| 05/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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HSBC opened line of credit and received physical card along with all other documentation- I WAS DENIED ANY ACCESS TO THE ACCOUNT - USAGE OF THE LINE OF CREDIT - UTILIZATION OF ADVERTISED OFFER - WAS ALSO REFUSED ANY ASSISTANCE WHAT SO EVER *****UPDaTE XX/XX/2019 Since FAILING TO GET TO GET HELP FROM ANY AGENCY- the account was closed without my authorization - I am still receiving writable checks and other advertisements regarding the account via physical mail - later got a one lined letter simply stating : " this account has been terminated '' I am RE-FILING this COMPLAIN - because I am sure the person I spoke to at CFPB with the NASTY attitude deleted my initial submission -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Journal of events : HSBC ACCT # XXXX To whom this may concern : This account was approved and opened on XX/XX/19 I chose this card offer for the advertised balance transfer incentive.
I have been receiving offers for this credit card at my home address for over 8 months from HSBC Since XX/XX/19 I have been trying to contact HSBC and have been given misinformation on every attempt Today XX/XX/19 I am still unable to access my account, line of credit, and have no indication if a submitted balance transfer is going to be processed I have been denied other financial opportunities and am unable to pursue other personal finance actions at this time HSBC makes it impossible to access your online account without the issuing of an EBN # AND A 6 digit code that is not provided automatically through email and is not provided with the information accompanying the physical credit card packet in the mail. The only way to obtain this information is to call the customer service number and somehow get a resolution manager and spend 40 minutes on the phone under scrutiny of identification.
Summary of events XX/XX/19 3 phone calls 40 minutes Random reps, XXXX ( ID # XXXX ) XXXX I was finally able to speak to a representative that was willing to assist me after 2 previous attempts. This person is located in the XXXX I was told that I can access my online account as soon as it completed being generating in the system.
I was told my card has been mailed out to me I was told I can take advanced of a balance transfer when I have access to the online account.
I was told I would need an EBN number to get into the account online.
I was told I would be called back by a representative to access me online account when it was ready in their system I never received a call back.
XX/XX/19 5 phone calls 1.5 hours XXXX ( ID XXXX ) XXXX ( Escalation Manager ID XXXX ) XXXX # XXXX # XXXX I spent the better part of my evening learning that a customer of HSBC has no possible way of receiving assistance from a representative in the United States.
Each person I reached was either in XXXX or the XXXX I was not able to be transferred to the correct department unless I was forced to provide ALL of my personal information including Social security number, phone number, address, and spelling and pronunciation of my name every time.
The fifth representative asked me for this information every other time I had a question Her name was XXXX after a half hour on the line with XXXX she told me that they need to verify me to send me the EBN number Then she wanted to send me a code to my phone and to my email.
To no avail, she insisted the issue was related to my choice of phone carrier I explained that I have already revived codes to my phone by reps verifying me before I got to her level and no issues with my email.
I escalated to her manager She told me there is an unknown issue in the system and can not provide me my access information.
I spent 40 minutes with her on the phone while she talked in circles refused to transfer me- or answer any of questions regarding my new account.
She then rubbed in my face in a passive aggressive manner - that I would not be able to perform a balance transfer when accessing my online account.
I was told my card was only shipped out the same day of XX/XX/19 In order to escalate for a follow up I had to open complaint inquiries as to why I am not being given correct information access to my account etc.
I was told I would receive a call back from XXXX XXXX XXXX Manger in order to provide me with my EBN number access to my account I scheduled the call to be conducted during my lunch hour from my full-time employment I did not receive any such call. The next day I got an automatic generated email stating the card has been shipped out.
XX/XX/19 4 calls 1 hour I called several times speaking with many different people I demanded assistance from help in the United States and also learned that no notes were placed on my account from previous interactions.
I was given a number to call in XXXX NY, buy it goes to a voice messaging service- to which no one has ever responded to my requests.
XX/XX/19 9 phone calls 3.5 hours XXXX ( Resolution Supervisor ) Refused to give ID # XXXX # XXXX # XXXX # XXXX I first made attempts during work hours.
After providing ALL of my person identification information to about 4 or 5 different people I managed to reach an escalation manager It took 40 minutes for here to send me the verification code, EBN number and an additional 6 digit code to my email that I was not aware of.
She seemed very hesitant to do her job. It was the same treatment I have now come to expect.
I was finally able to access my online account that has been in their system for a week at this point. I was denied any update as to when my card would arrive.
When I got home after work, my card had arrived. I called the 1-800 # and activated the card.
I immediately went online and accessed my online account.
I proceed to fill in the information for a balance transfer.
After inputting all of the requested and correct information, the website generated an error on the page. I logged out, cleared my cookies logged in again and proceeded to repeat the same steps.
Once again the error was generated.
I then noticed in red lettering at the top of one of the account screens activate your card In a furry I tried to get assistance. I went through the phone system talked to about 5 different people and had to give out ALL of my personal information again to strangers I talked to some manager who told me its my fault because I did not have physical my card and I am doing something wrong by trying to use the account services. Obviously the person did not listen to anything I told them. My card was in my hand and I activated it earlier in the day via the activation phone number.
I spent my free time evening arguing with XXXX who was reluctant to assist me every step of the way and over verified me by forcing me to re state ALL of my personal information every time I started a new subject of the account errors.
In order to escalate for a follow up I had to open complaint inquiries as to why I am not being given correct information access to my account etc.
I was told I would receive a call back from XXXX XXXX XXXX Manger in order to provide me with my EBN number access to my account I scheduled the call to be conducted during my lunch hour from my full-time employment I did not receive any such call. The next day I got an automatic generated email stating the card has been shipped out.
I tried many times during my work hours to receive appropriate assistance and was denied. If a rep. actually looked at my account I was either hung up on or transferred to another cue, where my phone would be on hold for 25 to 30 minutes and then the call was dropped.
After a day full of anxiety - I made more attempts in the evening. I finally got to an escalation manager ) from XXXX call center. I was forced to recite through the entire ordeal from the start, because this agent did not care to review the notation of events recorded to my account. I had to provide all of my personal identifying information 3 times.
I was told that two balance transfer requests were made in process fromXX/XX/19 XXXX & XXXX Turns out that two balance requests were submitted, without any confirmation or notification. No email, no text message, nothing at all.
I had to fight to explain to this person, that the website generated errors specifically stating nothing was processed both times. Only the XXXX balance transfer was intended.
I was told that in order to cancel the second balance transfer for XXXX, ( that was generated by HSBC In error ) I have to go through a special verification system, to which only this type of approval will ensure the cancellation of the XXXX balance transfer *Neither balance transfer were shown on the account pending transactions at this point, and the account balance shows100 % usage with XXXX available credit Reluctantly I was transferred to a cue, where I was prompted to enter my cards security pin number then was returned to the agent.
I was GUARANTEED that the cancellation of the ( XXXX balance transfer ) would NOT affect the ( XXXX balance transfer ) I made an official request for written confirmation of the XXXX balance transfer posted XX/XX/19 I WAS DENIED *I was told to send requests via bank mail which is a web form with no time stamp or record of submission in order to get the assistance to fix my problem. To this day I never received any responses from bank mail or by leaving a voice mail on HSBC XXXX NY main number when prompted to leave a message.
After spending 1.5 hours on the phone to perform a simple task, to now have transferred to another manager who also refused to provide any form of confirmation. I had to open complaint requests in order to get an identifying number to make record of the phone call I was told that I would receive a phone call the following day with resolution information.
*The agent revealed by mistake from the notes on the account, that a previous agent hung up on me due to not being able to her me. I was told this information when I wanted to submit separate complaint for the agent who hung up on me because she did not like what I had to say. She absolutely could hear but did not want to do her job period.
*I received no follow up call the next day XX/XX/XXXX XXXX XXXX ( XXXX NY ) ; XXXX XXXX ( XXXX XXXX Branch manager ) I went online to find any other contact information. I found an alternate number for the XXXX NY office I spoke with XXXX XXXX in the business department who refused to transfer me to help for my credit card account she further confirmed that there is no possible way for to get assistance from a rep. in the U.S.
I was told the only way to get assistance from the United States is to get lucky using the phone system I explained that over 50 call attempts I never was able to reach a Unites States representative Later she confirmed that there is no XXXX call center She refused to get me further assistance even though she acknowledged that I have an escalated issue regarding my credit card and was already speaking to XXXX NY. Absolutely and did not care. Her attitude was that she was taking pleasure knowing I was not able to get any help.
She told me to try a branch in person. I was not aware they had physical branches.
I called the XXXX XXXX, NJ branch and reached the manager XXXX XXXX He was extremely unhelpful and was reluctant to even bother looking at my account. When I told him that I would file with the FDIC he told me that balance transfer was processing and if I need more help to contact the CC department.
I asked him how that would be possible being that the credit card department is an internal department. He said I have no idea Have you tried customer service I asked if I am not being provided the assistance that I am entitled to, as an HSBC bank customer, because I am not physically standing in the branch? Then I offered to make an appointment to take time off work to come to the branch. I was told It doesnt make a difference and I am unable to see your account information When I asked about the last statement, he then denied looking at my account previously on the call.
He offered to contact the credit card department on my behalf and call me back in a half hour. This implied the expectation that he would contact the banks internal Credit Card department to have my issue reviewed properly. I waited 1.5 hours and then decided to call the branch back.
He pretended that he did not offer to do anything for me continued to argue he asked me more questions in retort to my questions, but when I answered them he would pretend not to hear the answer.
Between the phone conversations with XXXX XXXX, I was no longer able to log into my account. I had been checking it periodically to see if there was a progress update.
He denied tampering with my account, but his tone and attitude told me different.
XX/XX/19 I tried a different approach via online chat whereon previous attempts I was denied to be transferred to a United States online chat agent.
I restarted the chat 12 times. On the 12th time a person named XXXX claiming that she is from the XXXX NY help center which I believe was a fabrication.
She wasted my time for an additional 40 minutes, pretending not to read what was entered into the chat conversation. I had to type ALLL of my personal information into the chat dialogue social security number, phone number, home address, cc account number, verification pin number and so forth, because she refused to send me a verification code to my phone the first time I submitted the requested information.
After that whole mess and waste of my time her reply after 40 minutes was : The problem is your web browser I informed XXXX that I am an IT engineer and that I have already tried different computers I.P. address, I even asked a co-worker to log into their HSBC account from the same internet access point at my location of employment. I demanded escalation.
A XXXX came on the chat pretending to be from the United States when clearly she is from the XXXX call center.
After a long dragged out sessions of having to re explain everything and provide ALL of my identification AGAIN, she confirmed my suspicions that a block was put on my account, she could not tell me why or by whom.
I was able to get back into the account online, and there were errors. The summary page showed all available credit of XXXX AND THE DETAIL PAGES SHOWED XXXX AVAILABLE CREDIT AS IT WAS 2 DAY PRIOR AFTER SUBMITTING THE BALANCE TRANSFER REQUEST She refused to give me any recourse to correct the problem online, to provide me a confirmation of the balance transfer. to give an update regarding any of the submitted documented complaints on the account Interesting enough during the chat with her phone calls came to my cell from XXXX, A XXXX XXXX claiming to be a resolution manager was calling me during my work hours. After all the bull he was trying to feed me, I told him that he has no idea what he is doing, wasting my time, and had no purpose for the call. Turns out he was sending me a follow up from 3 days before which I never got.
First he told me you balance transfer is processing I said that he is full of it and that I am chatting with a manager online from XXXX. He said Oh then it isnt I said if you do not have accurate information regarding my account or open cases, then why are you calling me?
I was told : I am following up on your request I said which one, there are many at this point. He responded : About your request for balance transfer confirmation SINCE WE ARE THE BANK WE DO NOT HAVE TO GIVE YOU ANYTHING The rest of the conversation did not go well for him.
I explained everything to the chat agent manager and I explained that this is the type lies I have been receiving since the opening of the account.
SHE OFFERED NO RECOURsE RESOLUTION EXPECTATION OR SOLUTION I called the branch back, and got XXXX XXXX on line. He obviously did not want to help me I was persistent to the fact that as a branch manager he has to assist a HSBC card holder customer. He put me on hold for a long time and sounded surprised when I was still on the line, he did this 4 more times after about 20 minutes he finally got someone on the line.
I was introduced to the phone agent and was told he is in the internal credit card department. Then XXXX abruptly hung up his phone.
When I asked who I was speaking with and for their credentials agent ID this was a regular customer service rep from the XXXX. After being on hold for 45 minutes, this person was given no information by the branch manager regarding my issues or concerns.
I had to re verify myself by giving ALL of my personal identification information and pronunciation and spelling of my name- followed by a phone verification code.
After all that I explained that I am not able to get back into my account. This person was talking in circles and basically babbling, He said something that my account has been closed and then went quiet. I explained that I had given to authorization to have my account closed, but he could not confirm that is it temporary because they are fixing something or someone closed it. I was put on hold for another 25 minutes without my permission so he could find out who closed it. When he came back on the line he pretended not to know what we were just talking about. At this point I have given up Conclusion : I have been denied access to my line of credit I am denied utilization of the advertised balance transfer incentive I am unable to access my account online or any of its services including my personal information I have no confirmation or indication that the submitted balance transfer status I have planned the next 3 months of finances based on this line of credit I have cancelled my vacation plans I have no indication that my physical credit card will work in case of an emergency I have received NO EMAILS, NO CALLS, and NO TEXT MESSAGE regarding my account status I have been denied financial opportunities IN A NEGATIVE WAY due to the opening of this line of credit with HSBC Opening the said account has impacted my credit score I am prevented from pursuing other personal financial options with HSBC competitors The account is affecting me in a negative light currently showing 100 % utilization **I DID NOT AT ANY TIME REQUEST OR AUTHORIZE ANYONE TO CHANGE, MODIFY OR CLOSE MY ACCOUNT WHAT SO EVER** I HAVE NO IDEA WHAT IS HAPPENING TO MY ACCOUNT AND NO WAY OF OBTAINING APPROPRIATE ASSISTANCE
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| 11/15/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Older American |
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I address to you at this opportunity in order to request the following : opened an account from XXXX in the XXXX XXXX XXXX, Client Number XXXX XXXX, which had an office in the City of XXXX , XXXX .
This bank closed its facilities and sent Bank representatives to XXXX who said that her account had passed to XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, with the same account number. The Account was managed from XXXX which evidences the existence of the account and the address which In the last quarter of XXXX, my client was informed that XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, was no longer going to operate and that her account would be transferred to HSBC BANK USA. On XXXX, my client receives a notification to her son 's email which is : XXXX which said that she had to sign the master deposit On XXXX HSBC BANK USA, opens the account Number in my name, having been present to provide any security data for the Bank.
On XXXX, my client received an email from HSBC BANK USA to send the transfer instructions. On XXXX in the same an email receives instructions to close the account i had in The In order to expand the information about it, to which he received no response. By the time the account still could not be used.
On XXXX and XXXX, i sent an email requesting information for the account for not having received any type of communication. On XXXX my client sends an email in which i indicates that i wants to travel very soon in order to fix the situation in that financial institution. On XXXX i receives a communication stating that after so much time, i must inform in advance what day they will be in the city to make an appointment. On XXXX i receives an email in which is instructed to contact the Bank ; due to the situation of the country in XXXX, it is almost impossible to communicate with the United States and, as we have already stated, when they called to request authorization for a card or account to be paid, they did not respond and the account could not be activated. i thought it was the same .On XXXX an email was sent stating the following : " Good afternoon, sorry I did not answer you before. I do not have the pleasure of meeting you since the contact I have had has been with Mrs. XXXX and I made arrangements with her to make a personal visit to fix our situation ( my mothers and mine ) before this prestigious banking institution, but our visit has been delayed. I am at your disposal for what you need. My phone numbers : home and cell ".
The email was underlined and bold as the example above. As seen in the email, by this date, it had been impossible to use the bank account in HSBC BANK USA. And the account had been having movements, the money had been withdrawn through ATMs, checks, etc. and they never notified my client, instead they kept silent.
On XXXX i received an email from XXXX XXXX XXXX XXXX, Premier Relationship Manager, who said they could be calm knowing that their accounts were in good hands, as it should be, because when someone has an account in a bank, it is for the security that this provides in the custody of the money ( attachment marked " O '' ).
On XXXX they sent an email in which they said the following : " I take the opportunity to consult you if you are the person in charge of my account, since I had always had contact with Mrs. XXXX and I would be interested in getting in touch as I am trying to schedule a flight to update my account and know which branch to go. ( ... ) I await for your response, thank you. " In this email they point out that they are going to update the account, which they had not done until this date and they could not use the money. They obtained the following answer : ( ... ) " If you are around here, please stop by. I'm located on the same office, the XXXX one. Happy birthday again = ) ( ... ) ".
Never did they tell her that the account was active, or that the money was being moved, or anything like that. ( attachment marked " P '' ).
On Monday XXXX, XXXX AM i sent an email that says the following : ( ... ) " To : XXXX ; Good morning, I need to talk with you I have called your phone number that appears in your email and I have not had been able to connect with you, please when you can send me a number where I can contact you, Thank you, Mobile phone ".
It should be noted that the communication my with HSBC BANK USA, always was from the an email .com, and the phone number indicated for contact Mobile phone.
In view of not having been able to communicate with HSBC BANK USA, and in order to update her account, meaning in order to move and use my money, on XX/XX/XXXX, i went to the offices of HSBC BANK USA, located in XXXX ; i found out that what i had not been able to do for years ( which was to activate my account, until she personally went to the Bank 's offices ) someone had done it already, either inside or outside the bank and my account was in negative balance.
Now, in summary, the situation is that her account comes from the XXXX XXXX XXXX, Client NumberXXXX, which had an office in the City of XXXX, XXXX. As this bank closed, the account passed to XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, which my client always managed from XXXX. i was never in the offices of HSBC BANK USA, located in XXXX, or any other office of that institution in order to personally appear and provide the information required to use the account. It should be noted that whenever i called the HSBC BANK USA Offices, located in XXXX, she was told to go personally in order to identify myself and fill thenecessary steps to activate the account.
Not only the account had been used, but they had also changed the an email, address and telephone number and that the money had disappeared, and that we must wait for a mail from the bank to make the report, which we received on XX/XX/XXXX.
This mail indicated as address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, which is not and has never been her address. The address is in XXXX,, as indicated by the XXXX XXXX XXXX account statements, Client Number - XXXX, and XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX.
According to what is evidenced by the XXXX and XXXX passports my i never traveled to the United States or to XXXX, nor to any other country ; which is why she could not have been in the Bank 's offices to change the email, address and telephone number. i was never in any office to fill out the forms and sign them, we do not know how they activated the account, they delivered a card and they opened a current account and they issued a checkbook.
When i personally showed up at the Bank, they did not give my the account statements even though i had proved my identity, they did not give my information on how, when and where the account was activated. The address being used by the bank was XXXX XXXX, a shipping service.
On XX/XX/XXXX, i went to the offices of HSBC BANK USA, located in XXXX, with the purpose of delivering a mail regarding the account Number ; in which she requested information on why her account was activated, if i had always been told when she communicated with the Bank 's Executives that until i personally addressed the Bank 's Offices, i could not use the Account, and that someone had done it, either inside or outside the bank and that my account was in negative balance.
i noted the following : " ( ... ) I still have not received an answer for these questions : how did they activate the account, issued a card and checks? I personally, despite having identified myself, did not receive information on how, when and where was the account activated.
I request the refund of the money of the transactions done with debit card from the XX/XX/XXXX to the XX/XX/XXXX and the refund of the money paid by the bank for the checks : XXXX for an amount of {$8300.00}, XX/XX/XXXX XXXX for an amount of {$7800.00}, XX/XX/XXXX XXXX for an amount of {$9200.00}, XX/XX/XXXX XXXX for an amount of {$9000.00}, XX/XX/XXXX XXXX for an amount of {$7500.00}, XX/XX/XXXX XXXX in the amount of {$8000.00} XX/XX/XXXX XXXX for an amount of {$9500.00} XX/XX/XXXX and XXXX for an amount of {$8500.00} XX/XX/XXXX These checks were paid by the Bank between XX/XX/XXXX and XX/XX/XXXX.
So : 1. My account was never activated, 2. I never received a checkbook to use it since they told me that I should fix my situation in the Bank Offices and for that I had to personally go to the HSBC XXXX Office ; which I did not do until XX/XX/XXXX I see with extreme concern the ease with which they could use my debit card and checkbook and as in a month with checks over {$5000.00}, totaling {$67000.00}, the Bank allowed the payment of them, even when the account was inactive for a long time. I also request the refund of transactions identified as PAYMENT XXXX XXXX-CASH FOR THE AMOUNTS OF {$7500.00} and {$9800.00} DATED XXXX AND XXXX. For the reasons indicated above.
On XXXX XXXX I made a report to XXXX Police Department case number XXXX.
How is it possible that an account that was inactive for more than nine ( 9 ) years, for not having been opened according to the Bank 's requirements, had in one month transactions for more than XXXX XXXX AND XXXX XXXX DOLLARS ( {$150000.00} ), WITHOUT YOU BLOCKING AND TAKING THE CORRESPONDING SECURITY MEASURES?
You as custodians of my money must guarantee to me even the last dollar that was deposited in my Account, because you were in the obligation to take care of it and have all the necessary means to activate the account and so you let me know when, on repeated occasions, you indicated me that to activate it, I had to go to the Bank 's offices in XXXX to fill out the forms and sign. I believe that you should do a thorough investigation of this situation as this generates me little credibility in the bank, and you should respond for my money and for all the damages and losses that this has caused me.
I do not recognize any transaction, deposit or transfer that had been made, in any way, in my account, either by debit card, check or any form of withdrawal that had been used, and I request the refund of all transaction which could never have been made by me, since never did I go to the Bank 's offices to sign any form, nor did I change address, an email or telephone, and they were charged to my account ( ... ) ".
Notably, the HSBC IN XXXX ; acknowledged that there was a banking fraud and reversed the consumptions made with the debit card from XX/XX/XXXX to XX/XX/XXXX ( attachment marked " T '' ). Even though in emails sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( attachment marked " T '' ) i continues to demand the refund of the money, on XX/XX/XXXX, XXXX a.m. i finally obtained an answer : ( ... ) " Denying the claim of the fraudulent check since too many days have passed ( months ). There is no other instance where to scale the case. All departments say you took too long to start the claim. I know that this is not the information that you are waiting for and if there was someone to continue talking with, we would connect you with that person ( ... ) ".
To which i responds on XX/XX/XXXX asking if they made an administrative investigation within the Bank, because of the strangeness of the situation.
From which she received as an answer : " ( ... ) Before the fraud happened, the account was not " closed '' as you thought. An account can not be closed if it has funds inside. What I think happened when you called the branch to get information, is that we are not allowed to give information by phone at the branch level when we have not met the client personally.
For example, if you had called me a year ago to ask for information about the account, I would have said " Mr. XXXX, since we do not know you personally yet, you should call customer service to get information about your account '' What I want you to understand is that this account was always open, and all the fraud was done by someone who called customer service, and knew the responses and answered all of your mom 's personal questions correctly ( ... ) ".
I wonder what personal questions, if there was never an opportunity to create them.
On XX/XX/XXXX i sent an email again indicating that although the account was open, it could not be used, until the owner appeared personally to provide the data and to create a password, a user and some security questions that would let you know that this is the account holder. I told them that it was really an odyssey at that time to accessmy account with the multiple requirements of the bank as we know, because we just went through that, to be able to access the account online despite having attended the XXXX XXXX and to have your wonderful collaboration, it was quite difficult, because we had to request access to you.
Later we had to wait for a password that would arrive by an email, a key that would reach the indicated cell phone and after we placed those passwords we had to wait for the Bank 's security to allow us to enter, the question is : did the Bank conduct the administrative investigation, with the purpose of knowing how these procedures were done in order to activate the account? Where was the information stolen in order to change the email and the telephone number to which the account was associated? If the owner never showed up at the XXXX to identify myrself and activate the account with all the security mechanisms that you have.
If an investigation ha been made I would like you to tell me what the result was and the number of it. If they have support on how and what were the security data that was provided for the account in question.
I subsequently sent an email on XX/XX/XXXX and XX/XX/XXXX until he received the reply that they could not resolve anything and at never conducted an administrative investigation in order to determine the bank 's responsibility I request your good offices to open the investigation of the case, to determine if there was bank fraud and the responsibility of HSBC Bank USA, N.A., in the same, or negligence of the institution to allow the use of the account, since even though that financial institution acknowledged that there was banking fraud, because it returned to my client the transactions made with debit cards XX/XX/XXXX until XX/XX/XXXX ; they do not recognize the rest of the consumptions made with the debit and checkbook card ; as in a month with checks over {$7000.00}, totaling $ XXXX.The Bank allowed the payment of these, even though the account was inactive for a long time, in addition to transactions identified as : PAYMENT XXXX XXXX-CASH FOR THE AMOUNTS OF {$7500.00} and {$9800.00} DATED XXXX AND XXXX XXXX.
For a month the Bank allowed the use of an inactive account with transactions without blocking the account or requiring the presence of the account holder in the Bank 's offices in order to identify and recognize the transactions, and allowed the change of address, email and telephone number. The only true data that they had of my client, without demanding the physical presence and identification of her, they approved the change of all the data without confirming said data with the only thing they had as a form ofcommunication which was the email address.
How is it possible that an account that was inactive for more than nine ( 9 ) years, for not having been opened according to the requirements of the Bank and demanding the presence of the holder of the same had in one month used more than XXXX XXXX XXXX XXXX DOLLARS ( {$150000.00} ), WITHOUT HSBC Bank USA, N.A. HAVE ITBLOCKED AND TAKEN THE CORRESPONDING SECURITY MEASURES?
It is really strange that this has happened without the participation of people from the same Bank, since normally when an account does not have regular movements and suddenly begins to have them, the Financial Institutions block them and invite the client to personally go to the Bank. As indicated by my in one of my emails : " ( ... ) because we just went through that, to be able to access the account online despite having attended the XXXX XXXX and having the collaboration of the account executive, it was quite difficult, because we had to request the access, then had to wait for a key that would arrive by an email and a key that would reach the indicated cell phone and after these keys were placed we had to wait for the Bank 's security to allow us to enter, ''.
The question is whether the Bank conducted the administrative investigation, with the purpose of knowing how these procedures were done in order to activate the account, from where the information was subtracted to be able to change the an email and the telephone number to which the account was associated? If the owner never showed up at the XXXX to identify myself and activate the account with all the security mechanisms that you have. If an inquiry has been done, I would like you to tell me what the result was and the number of it. If they have support on how and what were the security data that was provided for the mentioned account.
I believe that a thorough investigation of this situation should be done, the Bank must be accountable for the money of my, which totals {$67000.00} in checks, the Bank allowed the payment of the same, even though the account was inactive for a long time, also transactions identified as : PAYMENT XXXX XXXX-CASH FOR THE AMOUNTS OF {$7500.00} and {$9800.00} dated XXXX and XXXX. {$17000.00}, transactions of debitcards over {$50000.00} and for all the damages and losses that this situation has caused. I respectfully request that this document be processed according to law.
|
| 05/19/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
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On Friday, XX/XX/XXXX a domestic wire from XXXX XXXX in the amount of {$50000.00} was sent to my account by an investor/business partner to my business account at HSBC US. XXXX XXXX gave a copy of the original wire instructions and receipt which follows all compliance and banking laws and cleared the funds on Friday, XX/XX/XXXX. On Saturday, XX/XX/XXXX I checked the account balance and the funds had not been credited to the account. On Monday, XX/XX/XXXX I called my banker and sent a text message to his mobile as well as an email with the copy of the wire receipt to him to which he stated he would give me a call at XXXX to give me an update on the reason for the delay but also stated the funds should be in the account by end of business day. I did not receive a call back nor had the funds been credited to the account. He also suggested I call HSBC customer service number on the back of my debit card to which I asked had they received any funds and the CS rep stated they had not. Tuesday, XX/XX/XXXX I again checked the balance and it had not been credited, I followed up with my banker who explained he was in meetings all day and to deal with Customer Service, again I called customer service and they stated that no funds had come in to HSBC with directions to be credited to my account. Wednesday, XX/XX/XXXX I again reached out to customer service and the gentleman did more digging as I gave him the reference number giving to me by XXXX XXXX and he tracked the funds letting me know that in fact the funds had been in HSBC all along and that I should probably wait until the end of the day he was confused as to why the funds were not credited to the account and also was confused as to why the previous bankers stated funds were never received by HSBC. I told him my banker was not being helpful and asked if he could check with the wire room, he obliged. He told me that the funds are being held and the transaction is being reviewed by compliance department as they needed additional information from XXXX XXXX. I asked what the additional information was and if I could be of service to oblige what may have been needed and he stated I should get my relationship manager involved. I asked if there was a number to compliance department and a contact person who I could direct my banker and XXXX to so we can get the issue resolved. He stated he was not allowed to give me the list of information HSBC needed nor was he allowed to give me a contact and phone number to compliance. I asked why had I not received a call, email or letter and he stated he was not sure. I called my banker and sent him another email to which he called me back and stated that nothing was wrong or out of sorts with my account and that XXXX failed to give information needed to credit the funds to my account so the issue was with the sending parties wire instructions. He stated that HSBC sent a communication requesting the information to XXXX XXXX and that HSBC was waiting on the response. I asked what information was needed and he stated he did not know and that they would not tell him but that the bank is liable if they credit the funds to my account in error which I found perplexing as the original wire receipt stated to credit the funs same day, the funds were for investment and that the funds were clean, clear, non-criminal origin and had no liens nor encumberances. He also stated that the transaction was in fact not being held by compliance but by wire investigation.
I reached out to my investor/business partner and we both reached out to XXXX XXXX. We were told by XXXX XXXX that the funds not only were debited from the sending account they had also already cleared and released the funds, they also stated that the Fed usually reviews all wires within 24 hours and that the Fed also cleared and released the transaction/funds. I called my banker back and relayed the information that XXXX gave me and he gave me a number stating not to tell the department that I received it from him, I gave my investor/partner the number and they relayed to XXXX XXXX. I called the number and a gentleman answered the phone and told me that he recognized the request as someone had just called about the transaction and he told me I had the wrong department and that he was not able to even look at my account as he could not log in and look at accounts. I asked if he could direct me to the wire room or to compliance so that I may speak with the department to which he stated he had no way of giving me the number to either because he did not have a directory nor could he help me.
XXXX and my investor/business partner called me back and stated that they reached out to HSBC to which the gentleman who answered the phone stated XXXX needs to give more information and they inquired as to what information was needed so they could oblige to which he said he could not give the list of information needed and that he could not help. I went into a branch of HSBC and spoke to another business banker who also called and placed the phone on speaker to which we had XXXX call once more and again the gentleman would not give information to XXXX nor to the banker at HSBC making the call even after he was authenticated giving his PIN number. The same gentleman that stated he could not help me, could not log into the account and could not direct me anywhere while on the phone logged into my account as the banker gave him my account number and the reference number. The banker proceeded to tell the banker that XXXX needed to contact him to give more information to which the banker stated XXXX had just called him and the gentleman again lied and stated they did not. The banker requested to speak with another colleague of the gentleman and/or his manager to which the gentleman asked why and the banker responded that he had a situation similar to which the gentleman was not helpful and he wanted to speak with someone who would better service the client as well as work to come to a resolution.
The gentleman asked that we call back in 10 minutes, we called back in 10 minutes to which he asked that we call back in 20 minutes, we called back in 20 minutes this went on until XXXX est and we called again and the gentleman stated his manager and all his colleagues were in a meeting and he didn't know when they would be coming out.
Thursday, XX/XX/XXXX I sent an email to both the banker at the main branch that helped me and my banker asking for an update at XXXX est as they both said they would get back to me top of the morning I also followed up with phone calls to no avail. The bankers wrote me back a few hours later stating that HSBC just needed more information from XXXX XXXX and basically outlined what we already had been told.
I reached out to my business associate and we contacted XXXX XXXX who reiterated they had in fact NOT received any communication from HSBC via XXXX nor email and they had reached out both via phone and XXXX to HSBC to which they still had not received any answer as to what additional information HSBC needed nor an answer as to why the funds had not been credited. The banker sent a formal email to my associate who is their account holder and I forwarded a copy to my bankers to which no on e responded yet again. I called customer service and again was told it was being held as they are needing information from XXXX XXXX when I stated that XXXX XXXX has reached out numerous times and that they had not received any communication from HSBC the customer service rep called the wire room to which she came back and stated that HSBC sent a XXXX requesting information and that XXXX had in fact responded but not with any information needed. I told the young lady that I spoke with and have documented proof XXXX XXXX requested information and had not received any thing from HSBC to which she stated I should suggest XXXX XXXX send another XXXX she also questioned why was a wire sent and not an ACH. To which I stated ACH is an electronic check and takes 2 business days at least to clear and wires are more efficient and the investment is time sensitive. I also stated that wires are better as they are more secure than ACH to send and that wires automatically are sent within international banking law regulations.
Friday, XX/XX/XXXX I again attempted to reach both bankers at HSBC to which no one responded nor called me back. My business associate called XXXX XXXX and asked for an update and XXXX XXXX sent an email stating they escalated the situation and sent a XXXX requesting confirmation of credit to my HSBC account to which they again did not receive a response to date. I called HSBC customer service once more and the young lady called the wire room and they again stated they sent a XXXX on Friday, XX/XX/XXXX then again on Thursday XX/XX/XXXX to which I stated that was not true as XXXX XXXX has been very honest and HSBC kept lying first by stating they never received money then by stating earlier in the week they needed XXXX to reach out and XXXX did and the gentleman also lied by stating he could not log into my account and could not help and lied by stating that XXXX XXXX had not reached out to him when in fact they had and I was on the line when they did so. I told the young lady that XXXX XXXX had not received any communication from HSBC and that HSBC was not helpful in getting XXXX XXXX the list of whatever information they were supposedly missing in order to credit my account as XXXX XXXX had already cleared and released the funds and the wire was in compliance complete with all information needed to send a wire transfer. The young lady asked if the XXXX was sent from XXXX XXXX XXXX or XXXX XXXX US, to which I stated as she can see on the transaction it was a domestic wire thus I am even more perplexed as to why she would ask to which her response was that she was just wondering because this is unusual and international wires tend to have more issues to which I stated it should not take this long to credit funds to an account that has clearly passed compliance and the receiving bank has already released. She contacted the wire room again and no one answered. She suggested I have XXXX XXXX escalate the situation to which I stated they already have and have not received any response or information from HSBC. She asked that I call back on Monday and asked if I would like and email sent to the wire room to which I agreed to and thanked her.
To date the funds have not been credited to my account despite the wire being in compliance and pushed past Fed routine reviews and XXXX XXXX not only clearing the transaction but also releasing the funds a week ago. All attempts to get whatever list of information HSBC is stating they need from myself, XXXX XXXX and my bankers at HSBC has been unsuccessful. No one has contacted me from compliance nor investigations and no one will give me a contact or reference point to communicate with that apparently is handling my 'investigation '. It has been a rat race, chaotic, unproductive and detrimental to our business and workflow as we have now missed deadlines to which we are responsible to meet and have not been able to due to HSBC 's actions/inactions.
|
| 01/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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|
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Web |
Servicemember |
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This complaint should be submitted to the following financial institution under the federal regulations of the FEDERAL TRADE COMMISSION and XXXX 'S THE XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to be filed on the following financial institution : HSBC Bank XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Tower XXXX XXXX XXXX. XXXX XXXX This complaint is in nature to the following transaction initiated by XXXX XXXX XXXX, XXXX. Please review the detailed information below produced and provided by XXXX XXXX XXXX, XXXX. This complaint can be used for EDUCATIONAL PURPOSES ONLY for teaching those that need to know and learn about online investing and investing within and with a country like XXXX for all the evidence that will be produced will be truthful information in accordance with the Federal Trade Commission and XXXX Federal Trade Commission. How can anyone go wrong when one place trust in the system or in the process of both countrys rules, regulations, policies, procedures, applicable laws and statutes, and the receiving bank or institution does not and does not or can not answer or respond to the sending banking institutions request for recall and return such funds due to fraud and money laundering.
We must validate and see if the receiving bank did surrender an answer or response to the sending bank or institutions request XXXX XXXX XXXX XXXX, XXXX. ) and now everyone must get involved to police these events and activities from ever happening again. Now lets take a look at the proof of such transaction performed by XXXX XXXX XXXX, XXXX. ( PLEASE POST THIS FOR EDUCATIONAL PURPOSES ) WIRE TYPE : XXXX XXXX XXXXXXXX XXXX ET XXXX SERVICE XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : HSBC XXXX XXXX XXXX ) XXXX ID XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RELATED Review the information submitted to XXXX XXXXXXXX XXXX, XXXX.
XX/XX/XXXX Amount : XXXX Type : Withdrawal Description : WIRE TYPE : XXXX OUT XXXX XXXX ET XXXX SERVICE XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : HSBC BANK XXXX XXXX ) XXXX ID : HSBCXXXX PMT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-RELATED Merchant name : XXXX XXXX Merchant information XXXX XXXX category : Cash, Checks & XXXX : Other XXXX XXXX currencies in XXXX : ( new ) ( {$5000.00} XXXX {$1500.00} ) HSBC Bank ( XXXX ) XXXX XXXX XXXX Name : XXXX XXXX ( Broker w/ XXXXinancial licenses ) Beneficiary account number XXXX XXXX Shortcut code/bank transfer account number ( shortcut code ) : HSBCXXXX Bank XXXX : XXXX Bank Address : No. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Post date : XX/XX/XXXX Amount : XXXX Type : Withdrawal Description : WIRE TYPE : XXXX OUT XXXX XXXX ET XXXX SERVICE XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : HSBC BANK XXXX XXXX ) XXXX ID : HSBCXXXX PMT XXXX XXXX XXXXXXXX XXXX XXXXXXXX RELATED Merchant name : XXXX XXXX Merchant information : Transaction category : Cash, Checks & XXXX XXXX XXXX Expenses -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Now please contact HSBC BANKING and ask for their official license and certification under the Federal Trade Commission and XXXX XXXX Commissions regulations to receive funds that should be under strict rules XXXX regulations, policies, and specific procedures under both country statutes and laws.
When another Bank in Good Faith transfers funds to another financial institution in Good Faith and under good purposes and intentions should the receiving bank or institution too should receive and accept such funds in Good Faith and do exactly what the funds are set out in the disclaimer to do? If funds are for TRADING PURPOSES, then such funds are to be placed in a FOR TRADING PURPOSE ACCOUNT and to be pooled for TRADING PURPOSES ONLY. The receiving bank should have Trading purposes licenses or certificates in their system in accordance with the Federal Trade Commission and Regulators requirements. The receiving bank or institution too should have the true name of the person or accountholder name, date of birth, address for an immediate request by the bank in accordance with Federal Trade Commission Regulations.
When a sending bank or institution send out something in good faith and there is an issue or an alert of illegal events or activities should the receiving bank or institution immediately respond and respond with proper documentation that such account or transfer was proper and is in accordance with the Federal Trade Commissions regulations. Should the receiving bank alert the sending bank that such funds have been received and arrived for the intended purposes such as trading?
When the receiving bank can not answer the sending bank request to recall such funds or perform a reversal and a Hold Harmless Letter or Letter of Indemnity claim do we have a breakdown in the process so set up and established by the Federal Trade Commission and the XXXX Trade Commissions regulations?
When the receiving bank can not notify law enforcement on their end to report this illegal bank account and to report such receiving account as a money-laundering account should we say that such receiving bank is not operating in GOOD FAITH and is aiding and abiding in money laundering?
Does the Money Laundering Statue read and states as follows?
The Money Laundering Control Act of 1986 ( Public Law 99-570 ) is a United States Act of Congress that made money laundering, a federal crime. It was passed in 1986. It consists of two sections, 18 U.S.C. 1956 and 18 U.S.C. 1957. It for the first time in the United States criminalized money laundering. Section 1956 prohibits individuals from engaging in a financial transaction with proceeds that were generated from certain specific crimes, known as " specified unlawful activities '' ( SUAs ). Additionally, the law requires that an individual specifically intends in making the transaction to conceal the source, ownership, or control of the funds. The law states that there is no minimum threshold of money, nor is there the requirement that the transaction succeeds in actually disguising the money. Moreover, a " financial transaction '' has been broadly defined, and need not involve a financial institution, or even a business. Merely passing money from one person to another, so long as it is done with the intent to disguise the source, ownership, location, or control of the money, has been deemed a financial transaction under the law. Section 1957 prohibits spending in excess of {$10000.00} derived from an XXXX, regardless of whether the individual wishes to disguise it. This carries a lesser penalty than money laundering, and unlike the money laundering statute, requires that the money passes through a financial institution. [ 1 ] [ 2 ] Now after reading the above paragraph should the receiving bank should have acted and responded to the sending bank XXXX XXXX XXXXXXXX XXXX, XXXX. ) in a timely manner to reverse the transaction and immediately notified the local law enforcement agency in their jurisdiction and reported the account holder to local law enforcement.
Do we live on the general principles when you see something, you say something?
With the above-noted paragraphs in nature to HSBC Banking ( International ), The CFC should immediately contact such financial institutions and ask for the records in response to XXXX XXXX XXXXXXXX XXXX XXXX. request and why such financial institution has not answered or responded to XXXX XXXX XXXXXXXX, XXXX.
I the complainant have done everything I am supposed to do, and these funds should be still within the banking system for they should not have ever gone out if the Trading disclosure has not been met.
By now the receiving bank should have notified the Federal Trade Commission and the XXXX XXXX XXXX of these crimes to prevent others from falling victims to this criminal network.
Any failure on other parts and not my parts is not my fault or responsibility. I paid XXXX XXXX XXXX, XXXX. to perform a legal transaction for legal purposes only and without any intent to mislead such transfer for other purposes.
The Disclosure says for Trading Purposes only under the XXXX XXXX XXXX under a licensed agent that XXXX XXXX XXXX should have on file and in their system to be able to set up and establish a trading account.
Since such receiving bank will not answer XXXX XXXX XXXX, XXXX. now they should immediately answer Consumer Financial Protection Bureau, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and THE FEDERAL TRADE COMMISSION showing proof that this complaint is not legal, accurate, or truthful. They must produce FACTS on what they sent back to XXXX XXXX XXXX, XXXX. and to show proof to the Consumer Financial Protection Bureau and the Federal Trade Commission and XXXX XXXX XXXX what records they produced and provided to XXXX XXXX XXXX, XXXX, and the local law enforcement agency.
To contact the Federal Bureau of Investigation you can go here to file such IC3 Report so that such event of activities can match up. https : XXXX # If I can file a report to local law enforcement and other agencies so should the banking institutions and the alleged people names that are on or associated with these accounts. Everything must iron out and equal out for funds are still missing and still outstanding in accordance with the Federal Trade Commission and XXXX XXXX Commissions regulations.
Funds were to be deposited into this XXXX XXXX and XXXX XXXX Trading account under the physical address listed for the record of : XXXX XXXX and XXXX Trading CEO : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXXXXXX XXXX XXXX XXXX ________________________ XXXX XXXX and XXXX Trading XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX No. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX https : XXXX _________________________ Senior Broker/Trader Instructor name is XXXX XXXX her name should be in these records and it is her is the one that can vouch that this trading took place under the Country of XXXX 's Trading Regulations. If XXXX 's law enforcement needs her information, I will assist in whatever is needed for them to deal with her directly.
The financial institution should have all legal account information and sworn affidavit and police report showing that such was reported to their local law enforcement agency or agencies and something showing date and time when responding back to XXXX XXXX XXXXXXXX, XXXX. in nature to why these funds were not returned back to XXXX XXXX XXXXXXXX, XXXX. on XXXX XXXX XXXX, XXXX. recall such funds or perform a reversal and a Hold Harmless Letter or Letter of Indemnity claim do we have a breakdown in the process so set up and established by the Federal Trade Commission and the XXXX Trade Commissions regulations?
By now everyone should have something on this public matter or request for the safety of consumers in accordance with the Federal Trade Commission Regulations in both countries.
|
| 12/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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Checking Premier account was opened by me online via HSBC US website on XX/XX/2020. Upon opening the account, {$25.00} was deposited there from my XXXX checking account.
During the time since opening, I made three deposits of {$5000.00} to this account ( initiated on XX/XX/2020, XX/XX/2020, and finally XX/XX/2020 - each clearing several days later ) funding it in total for {$15000.00}. During that time there was also {$0.00} of interest accrued so far. I used this account to fund my stocks trading activity via XXXX brokerage moving money into and out from XXXX account several times with no issues.
On XX/XX/2020 after checking my HSBC Premier Checking account balance via mobile online banking app and confirming it has more than {$8000.00} available I have issued a personal check # XXXX in my own name for {$4000.00} and have remotely deposited it into my XXXX checking account via XXXX XXXX feature of XXXX XXXX XXXX.
On XX/XX/2020 at XXXX XXXX I received an email from XXXX XXXX ( attached ) requesting me to contact HSBC Fraud Team in connection to recent activity on my account via provided phone number XXXX XXXX. Having no reason to treat this email and instructions in it as authentic I decided to contact HSBC via known to me support Live Chat to verify its authenticity ( attached ). I got a confirmation that the request was indeed from HSBC Fraud Team in relation to check # XXXX. So I made a call and talked to a person with the name XXXX, who asked me to confirm that I did indeed issued check # XXXX in my own name. Ive confirmed that and she said that the transaction is now cleared.
Concluding that this was a one time concern, same day XX/XX/2020, I have issued the second personal check # XXXX again for another {$4000.00} in my own name and also deposited it remotely to my XXXX checking account.
Late evening XX/XX/2020, while trying to access HSBC Online banking system via mobile app, I was surprised to see that my access has been suspended ( see attached ). I also immediately checked my XXXX accounts and discovered that check # XXXX got bounced, which created a negative balance on my XXXX checking account, causing an overdraft. To avoid overdraft fees I was therefore forced to transfer the needed amount from my other XXXX checking account to cover the negative balance. This, in turn, resulted in a balance on that account lower than necessary to be maintained in order to avoid monthly service fees of {$25.00} dollars, putting me at risk of incurring this fee in the current month of XX/XX/2020.
The HSBC US mobile app provided the only available suggested action - to contact the bank via number XXXX XXXX, which I did immediately and after describing the reason for my call I was informed that only HSBC Fraud Team can deal with this issue and I need to call them directly at XXXX XXXX during HSBC open business hours, which are XXXX EST.
In the morning XX/XX/2020, I discovered in my XXXX checking account that I was charged a fee of {$12.00} dollars for returned ( bounced ) check # XXXX. I called the number provided by HSBC support previously XXXX XXXX and the person who responded said that I should call XXXX XXXX instead, but they would also go ahead and transfer my call there. They failed to do so as the call got dropped after some waiting on hold and listening to music. Calling back again twice, passing identification again twice, and explaining the situation again twice, after some minutes on hold at around XXXX XXXX I was told that I have to go to HSBCs local branch.
On XX/XX/2020 at around XXXX XXXX I arrived at the XXXX HSBC branch located at XXXX XXXX, XXXX XXXX XXXX, XXXX, was greeted by XXXX XXXX Manager Ms. XXXX XXXX, who established my identity by verifying my HSBC XXXX Checking debit card and my driving license, conducted verbal questionnaire about my recent transactions, asked me to set additional secret question/answer pair of phrases, asked me to sign a paper with what looked like an agreement to open a deposit account, but she said this is just a signature card for the bank to have my signature on file ( justifying that they did not have any since the account was opened online ) and also a W-9 form. She also made a photocopy of my driving license for the records.
While doing that, she put me on a call with the HSBC Fraud Team via dialing on the branchs internal phone the number I was provided earlier - XXXX XXXX. After verifying my identity and looking into account info, the person ( the name was not provided ) on call has transferred this call to another person, to whom I had to explain again my reason for calling, where I am, and go through the identification process again. Having done that, this person then moved on to talk to Ms. XXXX and identify her via internal bank procedure also providing his name - XXXX XXXX XXXX. After all this hassle, Ms. XXXX relayed to me that there is nothing Mr. XXXX can do and I would have to wait another 24-48 hours until someone from some department would call me regarding this issue. Wanting some more clarity I went back to talk to Mr. XXXX myself and was informed by him that comments made by HSBC Fraud Team were cleared, but there was another comment placed by the HSBC Deposit Fraud team that prevented them from removing the suspension of my account. After asking what exactly is causing the issue I was not provided with any comprehensible explanation and referred to the HSBC Deposit Fraud Team. I asked to transfer the call to that team and Mr. XXXX seemingly did so. Another person responded to the call and after confirming to me they are indeed from the HSBC Deposit Fraud team asked me to again explain the reason for the call, put me on hold, and then with no explanation switched to the automated identity verification system. Upon going through the automated identity verification system I was unexpectedly connected to an ordinary first-line support agent to whom I explained the issue again and asked to reconnect me back to the HSBC Deposit Fraud representative. The person did so and I got connected with again another representative of the HSBC Deposit Fraud Team. I asked that representative to provide me with their employee ID or another way to identify them and received an answer I can not provide you with my employee ID or name, you just call HSBC and that is it. After another round of explaining what my issue is and being put on hold for about 10 minutes call was abruptly disconnected. This call took about 40 minutes in total and ended at around XXXX XXXX.
After getting no progress I requested from Ms. XXXX to let me speak to her supervisor and she kindly complied. After 5 minutes of waiting I got another chance to explain the situation to Senior Branch Manager Mr. XXXX, who again could not provide me with any comprehensible explanation on what was the cause of my account suspension beyond some department in the bank placing some suspicion, this sometimes happens with first check issues and in future, you should. We discussed the current balance on the account, options available to me to try to access my funds in form of a cashier check or cash and I also got a reply multiple times from him that there is no way for me to get any documental evidence that my account has been suspended and I have no way to access my money without removing what he called special instruction on my account. Mr. XXXX nevertheless suggested trying to contact the area manager and see if maybe she on her level could remove this special instruction. He said it could take several hours for her to reply, so I decided to take a lunch break and left the branch.
While discussing options of retrieving my funds, I believe, Mr. XXXX also resorted to the technique of trying to scare me out of such actions by warning me that there will be a CTR ( Currency Transaction Report ) filed if I choose to cash-out all my funds.
XX/XX/2020 at around XXXX XXXX I have arrived back at the XXXX branch of HSBC again where I spoke to the Senior Branch Manager and he informed me that at XXXX XXXX he has received a response from the area manager of HSBC in XXXX California, whose name he said was XXXX ( the surname was not provided upon request ) that she can not remove that special instruction blocking my account and again he can not provide me with any evidence that my funds are made inaccessible to me, suggesting to wait for 24-48 hours until the Deposit Fraud Team will complete their review. Mr. XXXX promised that I will be getting a paper mail letter with an explanation on reasons of why check # XXXX has been rejected by HSBC within 5 to 10 business days. Strangely enough, he has also confirmed that check # XXXX has cleared successfully, although XXXX on their side has put a hold on it till XX/XX/2020, which made those funds also unavailable to me.
I was also provided with yet another phone number of the department allegedly responsible for removing the suspension from my account - XXXX XXXX After collecting business cards of the Senior Branch Manager Mr. XXXX XXXX ( XXXX XXXX XXXX ) and XXXX Relationship Manager Ms. XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( see attached ) and recording the name of an HSBC Fraud Team member who was on the call with me while at the branch - XXXX XXXX XXXX, I have left the branch and decided to try to get at least some evidence of funds inaccessibility by using ATM. I tried to perform 2 transactions : checking balance and checking withdrawal of {$20.00} and got receipts rejecting my requests and instructing to contact the card issuer ( see attached ).
Having no other options to act on I resorted to waiting. As of XXXX XXXX on XX/XX/2020 HSBC representative, whose name was XXXX confirmed that there were no updates on the issue and I should call in close to the end of the business day on Monday, XX/XX/2020 and that by that time there definitely should be more known or resolved.
This makes funds inaccessible to me for 5 full calendar days minimum, which is obviously unacceptable and creates unnecessary financial complications for me and my family.
Needless to say, all of the described above events have destroyed any kind of trust in HSBC as a financial institution for me. They also triggered monetary expenses of at least {$12.00} fee for the bounced check and {$2.00} parking fee near the HSBC branch, an estimated cost of {$6.00} for 12 miles driven ( at {$0.00} per mile rate ), as well as a non-monetary burden of at least 8 hours of time and efforts spent in this process, including time for composing this comprehensive complaint. That is if not to mention the potential losses created by making {$15000.00} of my funds inaccessible to me for days.
|
| 09/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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This complaint is based on HSBC Bank USA, N.A. refusal to award a {$200.00} incentive bonus for a new checking account applied to on XX/XX/XXXX and funded XX/XX/XXXX. Terms state {$1500.00} in new funds must be kept in account for 3 months and processing of promotion takes 8 weeks. Secure chat, secure messaging, and phone calls to customer support centers ( including unanswered messages to customer retention department ) have been made regarding the missing {$200.00}. All phone calls and secure messaging responses from HSBC Bank USA, N.A. have been recorded. The offer page was saved as a PDF before the application was submitted in XX/XX/XXXX. HSBC Bank USA, N.A. is refusing to honor the terms and conditions of a checking account campaign widely disseminated across the United States. HSBC Bank USA, N.A. refuses to accept evidence proving eligibility of the promotion. HSBC Bank USA, N.A. is stating the offer is invalidated because of a credit card that was opened in XX/XX/XXXX. This is not stated in the terms and condition, which explicitly define New Consumer Deposit Offers as checking accounts. HSBC Bank USA, N.A. is refusing to furnish terms stating ineligibility of the promotion due to a previous banking relationship in the past year. No consumer deposit account has ever been opened besides the choice checking account on XX/XX/XXXX. Below is the entire complaint that includes secure messages from HSBC Bank USA, N.A., web history screenshots, and account terms from https : //www.us.hsbc.com.
This complaint is based on HSBC Bank USA, N.A., hereafter HSBC, refusal to award a {$200.00} incentive bonus for a new checking account, which was applied to on XX/XX/XXXX and funded XX/XX/XXXX.
Summary of terms saved on day of account application, XX/XX/XXXX : Open your new HSBC Choice Checking account online by XX/XX/XXXX ; and Deposit a minimum Qualifying Balance of {$1500.00} or more in New Money in combined checking and savings accounts within 30 calendar days of account opening ; and Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance.
You will automatically receive the {$200.00} Welcome Deposit in your new HSBC Choice Checking account approximately eight weeks after completing all qualifying activities. It's that simple.
Two transactions were made to the checking account : {$1500.00} was deposited XX/XX/XXXX and {$100.00} was deposited XX/XX/XXXX. All calls to HSBC were recorded and I would be happy to provide a link if necessary to corroborate what is written below. Secure message replies from HSBC sent through secure chat are copied below.
A chat was initiated on XX/XX/XXXX inquiring about the bonus. The response is displayed below : XX/XX/XXXX Dear REDACTED : We are writing you in regard to the conversation you had with us via Live Chat.
Upon review, we show that you did not qualify for the promotion when opening your account. The reason for this, was due to the account not being opened through the promotional page. If you have proof that you followed the account opening process correctly for the promotion, please either utilize our Live Chat feature or call our Premier Customer Service line at XXXX ( toll free at XXXX ) to provide this proof.
If you have any further questions or concerns, please don't hesitate to contact us either via BankMail or Live Chat.
For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XX/XX/XXXX. All Rights Reserved.
I called the number listed in the secure message from HSBC and told the representative I had proof in my search results of clicking the offer link in addition to a saved PDF of the offer page from XX/XX/XXXX. I was told there was no mechanism for me to submit this proof. I then initiated a secure chat was was told the same thing. Finally, I sent a reply to the secure message above stating I had the evidence requested, but no HSBC agent had the means to accept it. Each time after contacting customer support I was told to wait 5-7 business days for the marketing and promotions team to respond since this was not a customer facing team.
The response from HSBC is below : XX/XX/XXXX Dear REDACTED : Thank you for contacting HSBC Bank USA, N.A.
We understand your concern with regards to the promotional bonus offer for {$200.00} Please be informed that my colleague has forwarded the concern to the online team please allow 2-3 business days to investigate on this.
However the offer link has to be from HSBC link.
We apologize for the inconvenience this may have caused.
If you have any further questions or concerns, please do not hesitate to contact us by calling XXXX, initiating a Live Chat on us.hsbc.com or by replying to this BankMail.
For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XX/XX/XXXX. All Rights Reserved.
Ten days later, on XX/XX/XXXX I received a reply from secure messaging stating a new reason why HSBC was refusing to award the promotion -- a credit card application that was approved XX/XX/XXXX. I responded to the secure message quoting the terms below, which do not include opening a line of credit as an exclusion to the checking account offer : Customers who held an HSBC consumer deposit or investment account from XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. All qualifying activities must be completed within the stated time frames in order to be eligible for the Welcome Deposit ... Eligible customers who take advantage of this offer can not receive any other New Consumer Deposit Offers provided by HSBC Bank USA, N.A. New Consumer Deposit Offers are defined as incentives in a form of merchandise and/or cash bonus that are offered to customers who open an eligible checking account and satisfy qualifying activities.
After no response through secure messaging I called the premier call center and asked to speak to a supervisor. Both I and the supervisor agreed that per the terms new consumer deposit offers clearly refer to checking accounts and not lines of credit. She made a new inquiry to the marketing and promotions department asking for clarification on what account was previously opened in the past year. She then said if the only previous account was a credit card I could expect to receive the {$200.00} bonus. The response via secure messaging was received XX/XX/XXXX : XX/XX/XXXX Dear REDACTED : Thank you for contacting HSBC Bank USA, N.A We thank you for your follow-up BankMail with regards to the account opening promotional bonus.
We regret to inform you that the account did not qualify for the promotional bonus as you had previous relationship in the last 1 year of campaign start date.
We regret for any inconvenience this may cause.
If you have any further questions or concerns, please do not hesitate to contact us. Alternatively, you may contact our Customer Relationship Center at XXXX for further assistance.
Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XX/XX/XXXX. All Rights Reserved.
After replying again and stating the terms do not define a line of credit as a new consumer account I received a response XX/XX/XXXX.
Note the link to the offer page in the reply from HSBC is for the advance checking instead of the choice checking : XX/XX/XXXX Dear REDACTED : Thank you for contacting HSBC Bank USA, N.A We thank you for your follow-up BankMail with regards to the account opening promotional bonus.
In order to get the bonus you have to be new to bank customer Upon review, we notice that your account did not qualify for the promotional bonus as you had previous relationship in the last 1 year of campaign start date. In order to know more details Please click on the below link.
https : //www.us.hsbc.comXXXX # advance-checking-details We appreciate you giving us the opportunity to service your account via this mode of communication. We encourage you to continue to use this service for your banking related inquiries.
If you have any further questions please do not hesitate to contact us by initiating a chat with us. Live Chat agents available 24 hours a day, 7 days a week to help with many of your banking needs. Log on to Personal Internet Banking and click the Live Chat button found on the right side of the screen to start chatting. or by replying to this Bank Mail. For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com alternatively you may also call our customer care at XXXX - XXXX Monday - Sunday XXXXXXXX XXXX - XXXXXXXX XXXX EST.
Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XX/XX/XXXX. All Rights Reserved.
New message from XX/XX/XXXX : XX/XX/XXXX Dear REDACTED : Thank you for contacting HSBC Bank USA, N.A.
We understand your concern with regards to the promotional bonus offer for {$200.00} Please be informed as per the investigation done by our Marketing and Campaign Team, your account is not qualified for the promotional offer.
As there was a past relationship with HSBC in last 1 year of campaign start date. However, please be informed we have forwarded your request again to the Campaign Team based on your BankMail to reconsider and consider your account.
Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XX/XX/XXXX. All Rights Reserved.
New message from XX/XX/XXXX : XX/XX/XXXX Dear REDACTED : Greetings from HSBC USA N.A.!
Hope this BankMail finds you well.
We are writing this BankMail with regards to the welcome bonus inquiry you had.
As we mention in our earlier correspondence BankMail, we regert to inform you after our Marketing and Campaign Team has reviewed your account, it has been concluded that you do not qualify for the offer as we notice that your account did not qualify for the promotional bonus as you had previous relationship in the last 1 year of campaign start date.
We regert any inconvinience this may have caused. However, as per the promotion offer of your account opening, customer who held any HSBC consumer account are not eligible for the offer.
Please be informed, we have log a complain number XXXX on your behalf so that our Management Team can review it.
We sincerely apologize for any inconvinience this may have caused.
Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XX/XX/XXXX. All Rights Reserved.
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| 01/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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After multiple years participating into our alleged mortgage, we noticed some unknown concerns regarding its origination. While researching an unknown increase in the alleged mortgage payment, we found issues regarding Mortgage XXXX XXXX XXXX XXXX XXXX, as Nominee for HSBC Mortgage XXXX ( XXXX ) /HSBC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, proving a fraud on an Assignment of Mortgage from a property participating with Housing for Urban Development ( HUD ). The fraudulent Assignment of Mortgage was recorded in the XXXX, Ohio XXXX XXXX XXXX 's office Instrument Number : XXXX, volume number : XXXX, page number : XXXX. XXXX XXXX ( Notary ) out of the state of New York XXXX XXXX XXXX XXXX gave his official seal and stated he witnessed XXXX XXXX personally appear and sign this Assignment of Mortgage regarding Loan number : XXXX and XXXX ID number : XXXX. We raised multiple concerns disputing the debt, issues about the origination of the mortgage and presented evidence about the fraudulent transferred mortgage to the alleged current XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) not in its individual capacity but solely as Owner XXXX of XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX servicing, XXXX ( XXXX ). The alleged XXXX XXXX XXXX stated response is attached. They claimed they do not have an economic or beneficial interest in the loans and have no authority with the respect to the management of the real estate held in the XXXX, including the above referenced property referring to XXXX XXXX XXXX XXXX XXXX, Ohio and stated, " All questions should be directed to the servicer ( " XXXX '' ). '' " XXXX has a responsibility under the trust agreement to address the issues. We never agreed to our note being securitized and that we are owed XXXX. We also raised these concerns to XXXX who stated, " although we service the original Mortgage and Note we did not take part in its origination, and we are unable to respond to the issues relating to the origination of the loan ''. We retained a XXXX Document XXXX XXXX XXXX XXXX in Ohio who is Board Certified through testing by the XXXX XXXX XXXX XXXX XXXX. Her Assignment was to compare the XXXX signatures shown as XXXX XXXX on the Assignment of Mortgage to determine if they were identical of very similar. She conducted her examination and rendered her professional opinion in a report dated XX/XX/XXXX. Her report concluded that " No one writes his or her name or signature exactly the same way twice. '' " Human beings are not capable of machine-like precision and repetition. '' " ... the XXXX signatures shown as XXXX XXXX on the Assignment of Mortgage are Identical. '' " ... as an individual can not write XXXX identical signatures on a document, it raises a question as to the method used to place these signatures on this document. '' She provided her examination in affidavit form with her Handwriting Examination Report recorded with the XXXX, Ohio XXXX XXXX XXXX 's office on XX/XX/XXXX instrument number : XXXX which is linked to the fraudulent Assignment of Mortgage dated XX/XX/XXXX. There are also XXXX Certificates of Satisfaction for the Mortgage in the Name of and for the Benefit of XXXX XXXX XXXX and XXXX XXXX XXXX for the property commonly known as XXXX XXXX XXXX XXXX XXXX Ohio recorded with the XXXX, Ohio XXXX XXXX XXXX XXXX XXXX. The first satisfaction was recorded on XX/XX/XXXX, with the date of Satisfaction of XX/XX/XXXX in the amount of XXXX by XXXX XXXX XXXX Bank instrument number : XXXX volume number : XXXX, page number : XXXX. In this first release in XXXX by XXXX XXXX XXXX Bank, they stated, " WHEREAS the indebtedness secured by the mortgage described below has been fully paid and satisfied, XXXX XXXX XXXX Bank XXXX XXXX ..., owner and holder of the debt, hereby declares that the XXXX of said mortgage is forever XXXX and satisfied. '' The second release by XXXX XXXX XXXX XXXX XXXX XXXX recorded XX/XX/XXXX, date of Satisfaction signed XX/XX/XXXX in the amount of XXXX Instrument Number : XXXX, volume number : XXXX, page number : XXXX stated, " KNOWN ALL MEN BY THESE PRESENTS : that XXXX XXXX XXXX XXXX XXXX XXXX, ATTORNEY IN XXXX FOR XXXX XXXX BANK, NA, AS TRUSTEE, holder of a certain mortgage to secure the amount of XXXX, whose parties, date, and recording information are below, does hereby acknowledge that it has received full payment and satisfaction of the same, and in consideration thereof, does hereby cancel and discharge said mortgage. '' XXXX XXXX XXXX and XXXX XXXX XXXX never received these releases. On XX/XX/XXXX, ( XXXX months and half BEFORE the latest recorded release of satisfaction of mortgage from XXXX XXXX XXXX XXXX XXXX XXXX, ATTORNEY IN FACT FOR XXXX XXXX BANK, NA, AS XXXX ) HSBC Mortgage XXXX ( XXXX ) claimed XXXX XXXX XXXX and XXXX XXXX XXXX borrowed XXXX from them and signed a note in which they agreed to repay the loan. The fraud perpetrated here is the question about the Borrowed XXXX because XXXX XXXX XXXX and XXXX XXXX XXXX never received any credits in any of their accounts for the alleged borrowed XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX had no means to retrieve those credits and HSBC claimed the repayment Obligation was secured by a Mortgage executed by the XXXX 's on XX/XX/XXXX. So, as it would stand, from the looks of the recorded documents, HSBC would have entered XXXX XXXX XXXX and XXXX XXXX XXXX into an alleged Mortgage contract on XX/XX/XXXX, while they were engaged in a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX, ATTORNEY IN XXXX FOR XXXX XXXX BANK, NA, AS TRUSTEE, Mortgagee : XXXX XXXX XXXX XXXX. The release of our Mortgage was not signed until XX/XX/XXXX, and recorded XX/XX/XXXX, from XXXX XXXX XXXX XXXX. Noticing there has been XXXX recorded releases on this Mortgage in full, from our understanding, no one can have XXXX separate mortgages on a home at the same time, as the first mortgage is secured on the house, so as far as any additional lending with a different company the second lender ( HSBC ) would only be an unsecured loan, not a mortgage. These are some of the issues we found prior to the XX/XX/XXXX, fraudulent Assignment of Mortgage. We also received evidence that the XX/XX/XXXX, Mortgage and note has been securitized. The first piece of evidence we gathered to prove this Mortgage has been securitized is a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. This evidence/letter made statements about a " XXXX XXXX [ XXXX ] Trust '' XXXX " XXXX acts as Trustee of many trusts that holds various real estate properties '' " We have no authority with respect to the management of the real estate in the portfolio '' and " XXXX has a responsibility XXXX the Trust Agreement ''. The second piece of evidence we have to prove this loan has been securitized is a Limited Power of Attorney sent to us from XXXX XXXX XXXX signed by XXXX XXXX, witnessed by XXXX XXXX and XXXX. XXXX and notarized by XXXX XXXX XXXX giving themselves authority to serve as attorney-in-fact for XXXX. The XXXX of Attorney is attached. it states " KNOW ALL MEN BY THESE PRESENTS, that XXXX XXXX XXXX XXXX XXXX XXXX solely as owner XXXX, pursuant to the XXXX Servicing Agreement, dated as of XX/XX/XXXX. '' This Limited power of attorney was filed at the XXXX XXXX, Utah XXXX XXXX XXXX by XXXX XXXX XXXX on XX/XX/XXXX Instrument number : XXXX, Book : XXXX, Page : XXXX. This alleged lender seems to have taken our " note '' and put us into some sort of investment contract without our knowledge under the Statues of XXXX. Our " note '' is now a " registered security '' and we have a possible claim of recoupment on the proceeds which is spelled out in the various laws that we have not received. All companies paid by XXXX XXXX XXXX and XXXX XXXX XXXX have been Unjustly Enriched due to the perpetrated fraud. HUD Identifiers for the participation in the HUD program For XXXX XXXX XXXX and HSBC Mortgage XXXX XXXX for the Conventional Uninsured Loan ; XXXX Number : XXXX, Loan Number : XXXX, File Number : XXXX. We have made multiple attempts to rectify our issues with HSBC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and MER 's. No one has done any investigations about our claims, and we are still being harassed for payment by XXXX XXXX XXXX XXXX and Their Attorney XXXX XXXX when we have presented clear and convincing evidence of a perpetrated fraud dealing with our account. The XXXX XXXX XXXX has contacted HSBC about the Issue, but HSBC has failed to provide any information on the Account to XXXX XXXX XXXX and XXXX XXXX XXXX 's Attorney-In-Fact. The evidence of this power or attorney was sent to the organization and an authorization was signed to release records. HSBC, MERS, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX are not the true holders in due course, and are not required payment. the attachments prove this. This will be our last attempt to try and remedy this issue peacefully and privately, we have contacted the Attorney General, IRS to run and audit, and the FBI for fraud and other civil and criminal penalties. We have been trying to report a crime and fraud within our mortgage, it seems our only remedy is to start a Federal Claim with the XXXX XXXX and go to the news, newspapers, and other media outlets to expose the fraud and crimes against humanity. We have also recorded our " Affidavit of Obligation Consensual Commercdial Lien a Verified Plain Statement of XXXX Declaration as Testinony '' this has all attempts of settlement, its also provides XXXX Defalult Judgments witnessed by a Notary. Thes Lien is also recorded with XXXX XXXX XXXX here in XXXX Ohio, its intrument number is XXXX XXXX, Volume : XXXX, XXXX. WE REQUEST A FULL INVESTIGATION REGARDING OUR ACCOUNT, AS IT STANDS OUR CONTRACT IS VOID AB INTIO. ALL RIGHTS TITILES AND INTEREST NEEDS TO BE REVERTED BACK TO THE TRUE OWNERS XXXX XXXX XXXX AND XXXX XXXX XXXX. THEY HAVE BEEN INJURED FOR MULTIPLE YEARS TENDERING PAYMENTS TO COMPANIES WHO WERE NOT EVEN REQUIRED TO RECIEVE PAYMENT. NOW THESE COMPANIES HAVE BEEN UNJUSTLY ENRICHED AND OWE XXXX XXXX XXXX AND XXXX A XXXX WHO NEEDS COMPENSATED ASAP AND THOSE COMPANIES NEEDS TO BRING A CLAIM AGAINST MERS AND HSBC TO BE COMPENSATED FOR THE FRAUD AND CRIMINAL ACTIONS AND ALL ACTIONS REGARDING ANY TYPE OF COLLECTIONS OR ENCUMBRANCES REGARDING THE HOME OF XXXX XXXX XXXX AND XXXX A XXXX NEEDS TO CEASE AND DESIST IMMEDIATELY. ACTIONS TAKEN NEEDS TO BE MAILED TO ATTORNEY OF XXXX OF RECORD XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX Ohio. Everything done under fraud is void from the beginning.
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| 04/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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After multiple years participating into our allegedmortgage, we noticed some unknown concerns regarding its origination. While researching an unknown increase in the allegedmortgage payment, we found issues regarding Mortgage XXXX XXXX XXXX XXXX XXXX, as Nominee for HSBC Mortgage XXXX ( XXXX ) /HSBC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, proving a fraud on an Assignment of Mortgage from a property participating with Housing for Urban Development ( HUD ). The fraudulent Assignment of Mortgage was recorded in the XXXX, Ohio XXXX XXXX XXXX 's office Instrument Number : XXXX, volume number : XXXX, page number : XXXX. XXXX XXXX ( Notary ) out of the state of New York XXXX XXXX XXXX XXXX gave his official seal and stated he witnessed XXXX XXXX personally appear and sign this Assignment of Mortgage regarding Loan number : XXXX and MERS ID number : XXXX. We raised multiple concerns disputing the debt, issues about the origination of the mortgage and presented evidence about the fraudulent transferred mortgage to the alleged current XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) not in its individual capacity but solely as Owner Trustee of XXXX XXXX [ XXXX ] XXXX c/o Servicer XXXX XXXX XXXX, XXXX ( XXXX ). The alleged Current Holder XXXX stated " We are not involved in the decision-making process of what properties are held in the various trust In our capacity as Trustee, we do not have an economic or beneficial interest in the loans and have no authority with the respect to the management of the real estate held in the XXXX, including the above referenced property referring to XXXX XXXX XXXX XXXX XXXX XXXX Ohio and stated, " All questions should be directed to the servicer ( " XXXX '' ). '' " XXXX has a responsibility under the trust agreement to address the issues you have described in your complaint. '' We also raised these concerns to XXXX who stated, " although we service the original Mortgage and Note we did not take part in its origination, and we are unable to respond to the issues relating to the origination of the loan '' and told us to direct our concerns to the alleged current note XXXX XXXX who already claimed no beneficial or economic interest in the matter. As we seen our concerns were not being properly investigated and seen that we were being spined in circles, we elected alleviate our concerns regarding the origination and disputed, with first investigating the suspected Fraudulent Assignment of Mortgage. We retained a Forensic Document XXXX XXXX XXXX XXXX in Ohio who is Board Certified through testing by the XXXX XXXX XXXX XXXX XXXX. Her Assignment was to compare the two signatures shown as XXXX XXXX on the Assignment of Mortgage to determine if they were identical of very similar. She conducted her examination and rendered her professional opinion in a report dated XX/XX/XXXX. Her report concluded that " No one writes his or her name or signature exactly the same way twice. '' " Human beings are not capable of machine-like precision and repetition. '' " ... the two signatures shown as XXXX XXXX on the Assignment of Mortgage are Identical. '' " ... as an individual can not write two identical signatures on a document, it raises a question as to the method used to place these signatures on this document. '' She provided her examination in affidavit form with her Handwriting Examination Report recorded with the XXXX, Ohio XXXX XXXX XXXX 's office on XX/XX/XXXX instrument number : XXXX which is linked to the fraudulent Assignment of Mortgage dated XX/XX/XXXX. There are also two Certificates of Satisfaction for the Mortgage in the Name of and for the Benefit of XXXX XXXX XXXX and XXXX XXXX XXXX for the property commonly known as XXXX XXXX XXXX XXXX XXXX Ohio recorded with the XXXX, Ohio XXXX XXXX XXXX XXXX XXXX. The first satisfaction was recorded on XX/XX/XXXX, with the date of Satisfaction of XX/XX/XXXX in the amount of {$41000.00} by XXXX XXXX XXXX XXXX instrument number : XXXX volume number : XXXX, page number : XXXX. In this first release in XXXX by XXXX XXXX XXXX Bank, they stated, " WHEREAS the indebtedness secured by the mortgage described below has been fully paid and satisfied, XXXX XXXX XXXX XXXX as Trustee ..., owner and holder of the debt, hereby declares that the lien of said mortgage is forever discharged and satisfied. '' The second release by XXXX XXXX XXXX XXXX XXXX XXXX recorded XX/XX/XXXX, date of Satisfaction signed XX/XX/XXXX in the amount of {$51000.00} Instrument Number : XXXX, volume number : XXXX, page number : XXXX stated, " KNOWN ALL MEN BY THESE PRESENTS : that XXXX XXXX XXXX XXXX XXXX XXXX, ATTORNEY IN FACT FOR XXXX XXXX XXXX, NA, AS TRUSTEE, holder of a certain mortgage to secure the amount of {$51000.00}, whose parties, date, and recording information are below, does hereby acknowledge that it has received full payment and satisfaction of the same, and in consideration thereof, does hereby cancel and discharge said mortgage. '' XXXX XXXX XXXX and XXXX XXXX XXXX never received these releases. On XX/XX/XXXX, ( three months and half BEFORE the latest recorded release of satisfaction of mortgage from XXXX XXXX XXXX XXXX XXXX XXXX, ATTORNEY IN FACT FOR XXXX XXXX XXXX, NA, AS TRUSTEE ) HSBC Mortgage Corportation ( USA ) claimed XXXX XXXX XXXX and XXXX XXXX XXXX borrowed {$56000.00} from them and signed a note in which they agreed to repay the loan. The fraud perpetrated here is the question about the Borrowed {$56000.00} because XXXX XXXX XXXX and XXXX XXXX XXXX never received any credits in any of their accounts for the alleged borrowed {$56000.00}. XXXX XXXX XXXX and XXXX XXXX XXXX had no means to retrieve those credits and HSBC claimed the repayment Obligation was secured by a Mortgage executed by the XXXX 's on XX/XX/XXXX. So, as it would stand, from the looks of the recorded documents, HSBC would have entered XXXX XXXX XXXX and XXXX XXXX XXXX into an alleged Mortgage contract on XX/XX/XXXX, while they were engaged in a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX, ATTORNEY IN FACT FOR XXXX XXXX XXXX, NA, AS TRUSTEE, Mortgagee : XXXX XXXX XXXX XXXX. The release of our Mortgage was not signed until XX/XX/XXXX, and recorded XX/XX/XXXX, from XXXX XXXX XXXX XXXX. Noticing there has been two recorded releases on this Mortgage in full, it seems HSBC should have offered an XXXX line of Credit, or some form of credits that would have been ascertainable because our asset/property has been deposited as collateral with a lien attached. Two different companies/lenders, from our understanding, can not have two separate mortgages on a home at the same time, as the first mortgage is secured on the house, so as far as any additional lending with a different company the second lender ( HSBC ) would only be a secured loan, not a mortgage. These are some of the issues we found prior to the XX/XX/XXXX, fraudulent Assignment of Mortgage. We also received evidence that the XX/XX/XXXX, Mortgage and note has been securitized. The first piece of evidence we gathered to prove this Mortgage has been securitized is a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. This evidence/letter made statements about a " XXXX XXXX [ XXXX ] Trust '' XXXX " XXXX acts as Trustee XXXX many trusts that holds various real estate properties '' " We have no authority with respect to the management of the real estate in the portfolio '' and " XXXX has a responsibility under the Trust Agreement ''. The second piece of evidence we have to prove this loan has been securitized is a Limited Power of Attorney sent to us from XXXX XXXX XXXX signed by XXXX XXXX, witnessed by XXXX XXXX and XXXX. XXXX and notarized by XXXX XXXX XXXX giving themselves authority to serve as attorney-in-fact for XXXX. The Power of Attorney stated : " KNOW ALL MEN BY THESE PRESENTS, that XXXX XXXX XXXX XXXX XXXX XXXX solely as owner Trustee, pursuant to the Securitization Servicing Agreement, dated as of XX/XX/XXXX. '' This Limited power of attorney was filed at at the XXXX XXXX, Utah XXXX XXXX XXXX by XXXX XXXX XXXX on XX/XX/XXXX Instrument number : XXXX, Book : XXXX, Page : XXXX. This alleged lender seems to have taken our " note '' and put us into some sort of investment contract without our knowledge under the Statues of Fraud. Our " note '' is now a " registered security '' and we have a possible claim of recoupment on the proceeds which is spelled out in the various laws that we have not received. This loan was initiated through HUD with XXXX XXXX XXXX as the Borrower and HSBC Mortgage Corporation USA as the Lender, with the date of settlement of XX/XX/XXXX and date of distribution of credits on XX/XX/XXXX, but XXXX XXXX XXXX never received these credits in the amount of {$56000.00} in any ascertainable account for himself. He was coerced without any full disclosure into paying HSBC Mortgage Corporation USA and servicers thereafter payments on the loan for credits he did not receive. All these companies have been Unjustly Enriched. HUD Identifiers for the participation in the HUD program For XXXX XXXX XXXX and HSBC Mortgage Corporation USA for the Conventional Uninsured Loan ; XXXX Number : XXXX, Loan Number : XXXX, File Number : XXXX. As of today, XXXX and XXXX attorney have Withdrawn their Order of sale for a judgment pending on a foreclosure action. We Believe XXXX and XXXX are making a good faith effort in recognizing the fraud in the Origination by them refraining from being active participants to the fraud by withdrawing the foreclosure sale. We believe they recognize that they and other prior Holders and Servicers did not have any authority to collect payments from XXXX XXXX XXXX and may be liable for payments received due to the fraud by Mortgage XXXX XXXX XXXX XXXX XXXX, as Nominee for HSBC Mortgage Corporation ( USA ) /HSBC Bank ( USA ) N.A .
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| 05/22/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Problem accessing account
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Web |
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We kindly refer to the previous correspondences with CFPB and FDIC pleas see attached our Description and requests as follow : -- -- - Forwarded message from " XXXX XXXX '' -- -- - Date : Sun, XX/XX/XXXX XXXX XXXX Subject : Fw : Fwd : Re : XXXX XXXX XXXX XXXX / XXXX XXXX - Suspect of misuse of accounts and deposits : XXXX, XXXX, HSBC, XXXX - XXXX XXXX XXXX etc.
To : " XXXX '' , " XXXX '' , " XXXX '' Cc : XXXX XXXX URAGENT / FDIC CASE No XXXX FROM : XXXX XXXX XXXX XXXX / XXXX XXXX /XXXX XXXX XXXX / XXXX ; ATT : Consumer Financial Protection Bureau ( CFPB ) / XXXX XXXX XXXX , Director of CFPB XXXX ; FDIC XXXX XXXX XXXX and XXXX to be forwarded to the Board of Governors of the Federal Reserve System ; SEC USA and Department of Finance of US - Congress , CC : XXXX ; Ladies and Gentlemen, We refer to the previous correspondences. According to our research there is urgent suspect of abuse of international currency and financial system worldwide whereby identified accounts, deposits, equity and assets owned by XXXX XXXX XXXX XXXX / XXXX XXXX are and were misused by banks mentioned below : 01. XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, branches from XXXX XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX is an universal bank, with the head office in XXXX / XXXX being fully responsible and liable for all the economic activities of its branches and subsidiaries worldwide.
02. XXXX XXXX XXXX, XXXX ; 03. XXXX XXXX PRIVATE BANK ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ; 04. XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; 05. XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) ; 06. XXXX XXXX, XXXX XXXX and XXXX ; 07. XXXX XXXX XXXX XXXX ; 08. XXXX XXXX XXXX and XXXX XXXX XXXX ; 09. XXXX XXXX ; 10. XXXX XXXX XXXX XXXX ( XXXX ) ; 11. XXXX XXXX XXXX, HSBC XXXX, HSBC XXXX XXXX, HSBC XXXX ; 12. SXXXX XXXX XXXX XXXX ; As part of this correspondence, we therefore provide you with evidence regarding our identified owner accounts, deposits and securities in association with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and refer to the documents already provided to you.
Today, we are adding other evidence of investments related to our company XXXX XXXX XXXX / XXXX XXXX concerning our shares, accounts, deposits and securities in connection with XXXX XXXX, XXXX XXXX XXXX ( HSBC XXXX, HSBC XXXX XXXX and HSBC XXXX XXXX and XXXX XXXX XXXX XXXX. The total volume of our investments amounts to USD XXXX. of which realized investments, our deposits, transactions and securities were and are on the stock market worldwide.
Based on submitted agreements with XXXX XXXX ( XXXX ) XXXX, for our company XXXX XXXX XXXX XXXX ( - this with reference to last bank statements dated XX/XX/XXXX, already submitted - ), is apparent that our deposits and securities at XXXX XXXX XXXX as at 15. XX/XX/XXXX amounted to USD XXXX, XXXX Billion. In addition, interest rates, dividends and income - that was never paid out - have to be added.
The value and key figures of executed orders and transactions through various banks in the name of XXXX XXXX XXXX / XXXX XXXX with the other banks mentioned above are partially apparent from the submissions in the stock market and refer to registrations with SEC, US FED, XXXX, XXXX, XXXX XXXX, clearing system, DTC etc. and also are partially insured with FDIC ( as confirmed by FDIC ).
Not one of these banks has paid dividends, income or interest to our company XXXX XXXX XXXX / XXXX XXXX. We have not received any information about our requirements regarding realized transactions it was not possile to enable us access to our own accounts, registered stock values and deposits. This is clearly evident from our correspondences since XX/XX/XXXX.
Not one of these banks has filed tax returns and/or declared binding statutory taxes regarding our assets, not one informed XXXX XXXX XXXX XXXX / XXXX XXXX about tax-matters and/or consequences. For years XXXX XXXX XXXX XXXX for these banks obviously served as a vehicle to operate offshore, doing their tax-exempt businesses in the billions of USD, this on our back and on our risk.
As proved by evidence and documents submitted to you, in XX/XX/XXXX, after conducting a full investigation ( with the support of the XXXX XXXX of XXXX ), XXXX tax authority has determined tax liability in volume of USD XXXX Billion charged to XXXX XXXX XXXX XXXX, solely with reference to the investments existing at XXXX XXXX XXXX in the name of our company.
Therefore it is obvious that banks mentoned above have acted improperly and with full intent, most likely also in consultation with each other, and abusive have used our own accounts, deposits, instruments, guarantees and securities and our stock values. On the part of the aforementioned banks, illegal transactions were conducted without our knowledge and without our consent, whereby over the stock market thousands of investors in the USA and in other countries were abused. By such illegal transactions from our accounts numerous criminal offenses have been committed, not only infidelity and abuse, but also forgery, money laundering and tax evasion. An example is illegally realized clearing transaction between XXXX XXXX ( XXXX ) XXXX and XXXX XXXX in XX/XX/XXXX in XXXX XXXX in the amount of USD XXXX Billion. This was done to the detriment of deposited assets of XXXX XXXX XXXX XXXX invested in XXXX XXXX ( XXXX ) XXXX ( please see page 6 of the official Clearing Document, which document already has been sent to you ).
It is extremely noticeable that through above-mentioned illegal activities of above-mentioned banks concerning our assets, and through close collaboration of the banks concerned, any inspection consequently was denied. This refusal was necessary in order to be able further to dispose of our assets without any hindrance.
The banks concerned ( e.g. XXXX XXXX XXXX ) seem to be relying on their illegal activities to remain undetected. Those banks primarily are systemically, why ( because of their size, economic importance and also political power ) they trust that even regulators will not oppose them.
Also from the letter addressed to XXXX XXXX XXXX ( dated XX/XX/XXXX ) it is conclusive to deduce that the banks have been proceeded and will proceed on a systematic and obviously fraudulent basis.
The criminal activities of these banks in connection with the legally exclusive assets of XXXX XXXX XXXX XXXX / XXXX XXXX consistently have deceived US INSTITUTIONS. This, with obvious aim that by misusing our assets as described, they gain an improper enrichment in favor of those banks, their customers and / or third parties. In addition, one must remember that these activities and methods already partially have been used for decades (! ). For XXXX XXXX XXXX XXXX this is completely inadmissible and unacceptable.
Due to such global fraud of the managers personally responsible for the respective acting banks ( to our disadvantage ), also the world-wide financial stability is extremely endangered. This, because of the gigantic sums and shifts of assets in the hundreds of Billions of USD.
XXXX XXXX XXXX XXXX therefore requests, this because of apparent threat to our assets and the threat to international financial stability, to take all legal measures to protect our assets, accounts, deposits, guarantees, bank instruments and securities and to make them available. In addition, it is necessary immediately to take adequate sanctions against the banks mentioned. In any case, XXXX XXXX XXXX XXXX intends further to invest a large part of our assets in the USA and also worldwide in agreement with the responsible US institutions.
We therefore ask you for your understanding that in view of such a gigantic, global scam with hundreds of billions of USD simple standard steps of the respective national supervisory authorities can not be expected. They are clearly overwhelmed. Further clearing and prosecution therefore primarily is in the responsibility of national and international law enforcement authorities. XXXX authorities already have been informed by us where we have submitted corresponding applications and requests.
Please note that in the meantime the Ministry of Justice in XXXX/ XXXX has informed us that the responsible Prosecutor General has been requested to process our criminal charges. Further there is our insolvency petition against XXXX XXXX XXXX filed at the competent court in XXXX XXXX XXXX.
We kindly ask you to forward this e-mail and all our correspondence related to the Board of Governors of the Federal Reserve System, SEC USA as well as to the relevant Department of Finance of US - Congress, and a.s.a.p. to inform us about.
We remain with kind regards XXXX XXXX, XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, 100 % XXXX XXXX and XXXX from XXXX XXXX XXXX XXXX ATACHMENTS:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) .XXXX XXXX XXXX ( XXXX ) XXXX Bank Guarantee AND CUSTODIAN XXXX-FDIC INSURANCE NUMBER -DBS BANK STATEMENT , AUTHORIZATION , PROOF OF FUNDS ASSET, BG COMMON
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| 07/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Summary : I feel that I have been treated unfairly and unreasonably by HSBC Bank, USA, N.A.. I hope with your involvement, they will be reasonable in accessing my experience with their organization and reaching a fair resolution. I am getting your organization involved as HSBC has continued to act unreasonably and unfairly with the involvement of the Arizona Attorney Generals Office, XXXX XXXX XXXX, and the various Credit Reporting Agencies.
Given your organization federal mandate to focus on the fair treatment of consumers by XXXX XXXX, lenders, and other financial companies I feel you may be best equipped to help us reach a resolution to this matter. Thank you advance for your assistance.
I opened an HSBC Credit Card account on XX/XX/XXXX to take advantage of 0 % APR promotion that they had solicited to me. After opening the account, I immediately draw the {$5000.00} balance of the card to take advantage of the promotion 0 % APR offer. I also immediately attempt to set-up an online profile and payment but am unable to access any account information or set-up automatic payments as HSBC requires a unique PIN that is provided via USPS mail.
I request the PIN from HSBC on numerous ( at least three ) occasions, yet never receive it. On one of those occasion ( XX/XX/XXXX ) I am told that the extenuating circumstances of my case would be escalated to management and resolved, but never received any follow-up from HSBC.
The account becomes out of sight and out of mind as there is no follow through by HSBC. Eventually, my account is assigned to a debt collector,XXXX XXXX XXXX XXXX. HSBC is unreasonable in admitting their contribution to the situation. I pay off the account in full on XX/XX/XXXX and immediately report the payoff to HSBC. HSBC responds stating the information they are reporting is accurate, although they are continuing to incorrectly report the account with a balance. I am denied credit by XXXX XXXX on XX/XX/XXXX. I launch a complaint through the Credit Reporting Agencies which HSBC reports to ( XXXX, XXXX, and XXXX XXXX on XX/XX/XXXX. HSBC finally updates the inaccurate reporting of the {$4100.00} balance, however, XXXX still has {$4100.00} write-off in the account status ( when the account was paid in-full ), and XXXX and XXXX still has charge-off as the account status. ( Credit Reports Attached ) The details of my case are below and attached.
Timeline : On XX/XX/XXXX, I opened a HSBC Credit Card account in response to a promotional 0 % APR mailing I received. I used the full $ XXXX balance given the attractive offer to invest in markets. Immediately after receiving the credit card by mail I attempted to register online to set-up automatic payments, but was unable to do so as setting up an online account with HSBC requires a unique individual four-digit PIN that they send you via United State Postal Service and I had not received mine.
On XX/XX/XXXX I proactively reached out to HSBC to notify them that I have not received the required PIN. I ask that they help me set-up automatic payments over the phone, which they say they are unable to accommodate. They tell me another PIN will be sent. I never receive the PIN. ( XXXX Phone Record Attached ) On XX/XX/XXXX I received a call from HSBC that my account is past due. Frustrated - I tell them I had requested a PIN on multiple occasions and have yet to receive one. I also previously asked to set up automatic payments over the phone, but their systems/policy wouldn't allow it. I asked for another PIN to be sent so I can access my account online and set-up payments. They tell me they will send me one in the mail. ( XXXX Phone Record Attached ) On XX/XX/XXXX - I received a call from HSBC that my account is now in collections. Incredibly frustrated, I explain that I have requested the PIN to be able to access my account on numerous occasions and have never received it. Additionally, I have requested automatic payments be set-up over the phone they have been unable to accommodate my request. The collections agent said that he apologies for the error and that my case would be escalated to management/supervisor where it would be fixed/resolved. Assured that this would be corrected, I make a payment in the amount of {$1200.00} to bring my account current and make an additional payment of {$750.00} as a token of good will, explaining I am willing and able to pay the balance in-full based on the follow-up of the escalation. Again I never received a PIN, nor any follow-up from HSBC. ( XXXX Phone Record Attached ) ( Attached Credit Reports reflect payment ) In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX that my account was assigned to them to collect the debt on my HSBC credit card. ( Letter Attached ) In XX/XX/XXXX, I received another letter from XXXX XXXX XXXX XXXX offering me to resolve my indebtedness for {$2800.00}, versus the account balance of {$4100.00}. ( Letter Attached ) In or around XXXX XXXX, I reached out to XXXX XXXX XXXX XXXX explaining there is likely a misunderstanding around my account. I always had the intention, ability, and willingness to pay the account in full and on-time. XXXX XXXX XXXX XXXX states they will contact HSBC.
XX/XX/XXXX, I am told HSBC 's position remains unchanged. I file a formal complaint with the credit reporting agencies and the AZ Attorney General 's Office. On XX/XX/XXXX, I file disputes with HSBC and XXXX and XXXX disputing the accuracy of the account.
XX/XX/XXXX, I receive email ( attached ) that my case ID : XXXX is assigned the complaint number XXXX and assigned to XXXX XXXX. ( Email Attached ) XX/XX/XXXX - I receive the attached letter from HSBC that my complaint / dispute was reviewed and determined to be accurate. No changes are to be made and the case is to be closed. ( Letter Attached ) XX/XX/XXXX - I email XXXX XXXX ( attached ) asking for additional information regarding their conclusion. ( Email Attached ) XX/XX/XXXX - I receive the attached letter stating they did mail the PIN ( although I never received it ). And that there was no evidence of bank error. ( Letter Attached ) XX/XX/XXXX - I email XXXX explaining I never received the PIN, and was promised this matter was going to be resolved by management when I made the payment on XX/XX/XXXX, the conversation happened on a recorded line and would be discoverable under any reasonable investigation into my complaint. ( Email Attached ) Throughout XX/XX/XXXX - I work with XXXX XXXX XXXX XXXX to see if they can negotiate cleaning up the credit reporting for a full payoff of the debt.
XX/XX/XXXX - I receive an email from XXXX XXXX XXXX attached XXXX which states that " a search for telephone records associated the number yielded no results ... our position remains unchanged '' ( Email Attached ). My phone records show the inaccuracy or incompleteness of their search.
XX/XX/XXXX - I send XXXX XXXX and XXXX XXXX XXXX Interim Head of Customer Relations at HSBC, who XXXX has CC on correspondence ) additional details regarding my case via email. ( Email Attached ) XX/XX/XXXX Frustrated without any response or resolution from HSBC with the updated information, I pay off the account in-full {$4100.00} via XXXX XXXX at XXXX XXXX XXXX XXXX. I am provided the payment confirmation number XXXX. I immediately email HSBC notifying them of the payment. ( Email Attached ) ( XXXX XXXX Statement Showing Payment Attached ) ( XXXX XXXX XXXX XXXX Proof of Payment Attached ).
XX/XX/XXXX - I receive a letter from HSBC stating that they reviewed my case, there's no evidence of bank error, and they consider the case closed. Additionally, XXXX 's response incorrectly references the Attorney General of Nevada, when in fact the complaint has been filed with the Attorney General Office of Arizona. Although, this may simply be an oversight I fear it shows the lack of reasonable effort their organization has taken to address my concern and correct this issue. ( Letter Attached ).
XX/XX/XXXX - I received a letter from XXXX XXXX that my recent credit application was denied, because of a charged-off account on my credit history. I immediately pull my credit reports to find that the HSBC account is still incorrectly showing a balance of {$4100.00} and they have not updated the account to show the XXXX payment. XXXX XXXX XXXX XXXX Denial Letter Attached ) ( Credit Reports Attached ) XX/XX/XXXX I file a formal dispute with XXXX, XXXX, and XXXX ) on XX/XX/XXXX ( Dispute Letters Attached ). Each respond over the next 30-days, correcting the inaccuracy of the {$4100.00}, however, XXXX still has {$4100.00} write-off in the account status ( when the account was paid in-full ), and XXXX and XXXX still has charge-off as the account status. ( Dispute Letters and Response Letters Attached ) ( Credit Reports Attached )
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| 10/10/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX NY XXXX. XX/XX/XXXX I closed on my property and HSBC Bank XXXX XXXX XXXX XXXX FHA mortgage loan # XXXX at purchase.
In XX/XX/XXXX due to XXXX related shutdowns I had a Forbearance Agreement with my mortgage servicer HSBC from XX/XX/XXXX - XX/XX/XXXX. My Forbearance Agreement was extended by HSBC to XX/XX/XXXX due to continued Clovid-19 related job shutdowns.
HSBC informed me that at the end of my Forbearance Agreement, in XX/XX/XXXX, to prevent foreclosure they offered me the option of a Payment Deferral Plan, explaining that my mortgage payments that were paused/suspended during my Forbearance Agreement period of XX/XX/XXXX - XX/XX/XXXX would be put on the backend of my already existing mortgage with no changes and I would resume my regular mortgage payments of {$3100.00} in XX/XX/XXXX. I agreed to this option for repaying my loan.
In XX/XX/XXXX after my Forbearance Agreement period ended I resumed making my mortgage payments to HSBC in the amount of {$3100.00} until XX/XX/XXXX when my loan was transferred to XXXX XXXX. I made my mortgage payments over the phone to HSBC and they were deducted from my bank account by HSBC. ( See attached bank statements. ) I received my Forbearance Agreement letters, but still have not received my Payment Deferral Plan Agreement letter from HSBC.
In XXXX of XXXX after my mortgage was transferred from HSBC to XXXX XXXX I immediately received notices from XXXX XXXX stating I must pay a lump sum of $ XXXX, the total of all my mortgage payments during the period of my Forbearance Agreement from XX/XX/XXXX - XX/XX/XXXX or they will foreclose on my home. Im confused with whats happening and how its happening.
My Payment Deferral Plan Agreement with HSBC aka XXXX should have applied when my mortgage loan was transferred over to XXXX XXXX and it hasnt. XXXX XXXX refuses to take my monthly mortgage payments since my loan was transferred to them in XX/XX/XXXX, causing my account to be delinquent since than until now. They are stating before they can accept mortgage payments from me I would have to pay the lump sum first. Can a bank refuse to take a mortgagees monthly mortgage payments and use that as a reason to also foreclose on them.
Im receiving foreclosure letters from XXXX XXXX stating if I dont pay the lump sum of now $ XXXX, theyre going to take my home where my grandkids and kids live with me.
XXXX XXXX also sent me a letter stating I filed for bankruptcy, please note I did not and have not filed for bankruptcy. XXXX XXXX is stating they can foreclose on my house over this too. Again Im confused how this is happening to me and my family.
Ive repeatedly called HSBC aka XXXX to get a copy of my Payment Deferral Plan Agreement to submit to XXXX XXXX to correct this erroneous error. Ive only received letters from HSBC stating theyll get back to me in 30 days. Thirty days has turned into 5 months. The communication with HSBC is lacking and Im getting the run around. Each time I call I have to retell them my backstory, that I was offered a payment deferral plan and need a copy of my payment deferral agreement. This should be an easy resolve but HSBC is making it impossible for me.
Im contacting the Consumer Financial Protection Bureau for help with getting my Payment Deferral Agreement from HSBC aka XXXX and for them to honor it to stop XXXX XXXX from wrongfully foreclosing on my home. XXXX XXXX is stating that I dont have a Deferral Payment Plan Agreement with HSBC XXXX that it was rejected.
I dont understand why or how XXXX XXXX can make that statement, when that was the offered and agreed to option with HSBC for repaying my loan well before my mortgage loan was transferred to them.
Please note I resumed making my mortgage loan payments as agreed with HSBC consistently for seven months after my Forbearance Agreement ended ( until my mortgage was transferred to XXXX XXXX XXXX, without any notices from HSBC of lump sum payments due, foreclosure or otherwise. I wouldnt have to deal with threats of losing my home to foreclosure and demands of lump sum payment if HSBC remained as my mortgage servicer and not transferred my mortgage loan to XXXX XXXX.
I found the following information below from the Consumer Financial Protection Bureau website section : Exit from Your Forbearance and from the HUD.Gov website Cares Act Forbearance Fact Sheet for Borrowers with FHA, VA and USDA loans.
I believe this information applies to me, my Covid-19 related Forbearance, my federally backed FHA mortgage loan and what my initial mortgage servicer HSBC followed and did when they offered the payment deferral plan agreement that I accepted, and proceeded to make my mortgage payments after my forbearance ended. However, it is not being applied by my now mortgage servicer XXXX XXXX.
2021 Mortgage Servicing COVID-19 Rule - Under the new rule, most mortgage servicers are required to take certain steps to help homeowners in forbearance find options for repaying their loan.
HUD/FHA does not require lump sum repayment at the end of the forbearance for an FHA mortgage loan. Homeowners on special COVID-19 Forbearance will be assessed by their servicer first for eligibility for FHAs COVID-19 Recovery Standalone Partial Claim home retention option no later than at the end of the forbearance period. If you were current or less than 30 days delinquent as of XX/XX/XXXX, you may be entitled to this option.
The COVID-19 Recovery Standalone Partial Claim is for homeowners who can resume making their current monthly mortgage payments in the future. The COVID-19 Recovery Standalone Partial Claim places amounts you owe into a subordinate lien that is repaid only when you refinance your mortgage, sell your home, or your mortgage otherwise terminates. This lien does not accrue interest.
If you can not resume making your existing monthly mortgage payment, servicers of FHA-insured mortgages will assess you for the COVID-19 Recovery Modification. The COVID-19 Recovery Modification extends the term of the mortgage to 360 months at a fixed rate and targets reducing the monthly principal and interest portion of your monthly mortgage payment.
With respect to the 2021 Mortgage Servicing COVID-19 Rule and the COVID-19 Recovery Stand-alone Partial Claim mentioned above, this is exactly what was offered and done by HSBC with my covid-19 forbearance and federally backed mortgage loan. I dont understand why HSBC is not directly responding to my request for a copy of my payment deferral agreement and why XXXX XXXX is saying it was rejected.
Although, HUD/FHA does not require a lump sum repayment at the end of the forbearance for an FHA mortgage loan, Im confused why XXXX XXXX is stating that I have to make a lump sum payment of my paused/suspended mortgage payments during my covid-19 forbearance that is not required and was already put on the back end of my mortgage or XXXX XXXX is going to foreclose on my house. Can XXXX XXXX legally do this?
HSBC followed the new CFPB 2021 Mortgage Servicing COVID-19 Rule, The COVID-19 Recovery Standalone Partial Claim and HUD/FHA for my FHA loan that was in Forbearance and followed through with actionable steps by offering me the payment deferral plan that I accepted and resumed my loan payments although they did not send me my payment deferral agreement that provides me with proof that follows the actions of HSBC and a fighting chance against foreclosure on my home. HSBC transferred my loan to XXXX XXXX in order to not be held responsible for how XXXX XXXX handles my loan or rather mishandles my loan based on my agreed to payment deferral plan option offered by HSBC for repaying my loan to avoid/prevent foreclosure on our home.
HSBC has been an approved servicer of FHA-insured loans for many years. In order to obtain and maintain FHA approval to service FHA-insured loans, HSBC was required to submit and did submit annual certifications stating that it adhered to all FHA handbooks XXXX regulations and policies. -The United States XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX attached the following supporting documents : -HSBC Forbearance Agreement Letters -Bank Statements showing I resumed making my mortgage payments to HSBC after my forbearance period ended -HSBC Statements -HSBC Loan transfer letter XXXX XXXX Transfer Letter XXXX XXXX Letters Stating I owe lump sum payment $ XXXX and need to pay immediately -Selene Finance Letters of Forclosure -XXXX XXXX Letter stating XXXX filed bankruptcy Thank you for your time and attention to my urgent matter.
I look forward to hearing from you. I can be reached at XXXX Sincerely, XXXX XXXX XXXX
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| 02/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My Name is XXXX XXXX and i am filing a complaint Against HSBC BANK USA NA On the month of XX/XX/XXXX i logged into my HSBC BANK USA NA Bank credit card app to view my credit card balance and i saw 3 suspicious transactions that combined make a total amount of {$3100.00} from XXXX XXXX from purchases i did not make. That same month of XX/XX/XXXX HSBC BANK USA NA had sent me a text message to my mobile phone informing me of fraud activity of a purchase made at " XXXX XXXX '' of {$31.00}.
I panicked and started to look for my HSBC BANK USA NA Credit card to see if i had it in my wallet or at home and i could not find my credit card anywhere. Very worried about the situation that was happening to me i decided to give HSBC BANK USA NA a call and i spoke to an agent from the fraud department and i explained to him that i am seeing charges in my account that i did not make and asked him what is going on?? This Bank is suppose to be a professional and trustworthy bank, why are they charging me for purchases i did not make?
He proceeded to help me and filed a claim and a few days later i noticed that the amount was not in my account anymore. I felt safe knowing that the bank had taken care of the situation. They sent a new card. Ever since this situation happened i was afraid to even use my New card so up until this day it's been unused.
This month XX/XX/XXXX I received a phone call from an HSBC agent stating that i needed to make a payment on my account that it was past due. I knew something was wrong because i have not used the card. As i log in i see that the amount of {$3100.00} is back on the account as if a claim had never been done. So i decided to call again and ask what happened to the claim.
An agent named XXXX id # XXXX, said that they put the charge back on my account because they needed more paperwork. I was very confused because on the first phone call the agent told me that i did not have to worry about anything and that the charge was going to be removed and that my account was going back to normal to XXXX balance. If they needed paperwork, why didn't they tell me on the first phone call or send a letter to my home or email during the week the fraud on my account happened? why did they lie saying that everything is going be ok and back to normal? This is very unprofessional.
I explained this to XXXX id # XXXX and she said that she couldn't do anything about it and that i needed to file a police report giving them the details of what happened 2 months ago back on XX/XX/XXXX. I asked XXXX id # XXXX why didn't HSBC tell me about the police report when i called the first time in XXXX? Why did HSBC wait 2 months when it was already too late to file a police report??
I told XXXX politely to please get a supervisor on the phone and she told me that the supervisor is busy and he will call me back, the supervisor never called me back.
I called back the next day to speak to the supervisor and they told me it was passed XXXX and that the supervisor went home and that he will give me a call back tomorrow, and again i never received a phone call from the supervisor This month of XXXX " Two months later '' after the incident happened and i was told everything was ok and not told any paperwork was needed, i went to the police station because XXXX id # XXXX told me thats what i needed to do.
At the police station the policemen told me that it was too late to file a police report because 2 months have past by already and this report needed to be done the first week and that since 2 months have passed by, the criminal might have already fled and cameras have probably gotten reseted by now.
I got home and decided to inform HSBC BANK USA NA about what the policemen told me at the police station. I called the bank and spoke to an agent named " XXXX '' and he said that he still couldn't do anything with out any paperwork, that a supervisor was going to call me back, and " AGAIN '' no supervisor called me back.
On Tuesday XX/XX/XXXX i was traveling out of state and i called early in the morning and asked to speak to a supervisor, and again none was available so i told them please tell the supervisor to give me a call before i get on the flight, to call me before XXXX they said ok, and the supervisor again did not call me back, again very unprofessional.
I called again on Wednesday XX/XX/XXXX and spoke to an agent and told him I've called many times this past week and begged him to please get a supervisor on the phone, he made me explain the whole situation to him again and then did a verification process and texted me a code to my phone to verify that it was me. After that he put me on hold and i waited 15 minutes to " FINALLY '' speak to a supervisor.
The supervisor 's name was " XXXX XXXX '' he said he could not provide me with an id number but only his full name and that i would be able to find him with this name only, and no id number was needed.
I explained the whole situation to the supervisor and he told that me that he still needs a report to complete the process, i explained to him what the policemen had told me at the police station and he still did not want to help me. I also told him that HSBC should have mentioned this police report the first day we spoke on the phone and not lie to me and say that everything was going to be ok and back to normal.
I am 2 months pregnant and i also suffer from anxiety and panic attacks, i work a full time job and i am a mother of a XXXX year old child and i also provide care for my nephew and niece it is really hard for me to get out of the house and make trips to the police station which is miles away. I have been very compliant with HSBC BANK USA NA and they have wasted my time and are still charging me for something i did not do.
I read that as an HSBC customer, I am automatically enrolled in their Fraud Alert program which states that i am protected under their " Zero Liability '' Policy unauthorized transactions. Their website also states the following statement : " Have peace of mind knowing that HSBC Bank USA, N.A. won't hold you responsible for unauthorized transactions. As an HSBC Debit or Credit cardholder, Zero Liability applies to your purchases made with your U.S.-issued Debit or Credit card in the store, over the telephone, online, or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if : 1. You have used reasonable care in protecting your card from loss or theft ; and 2. You have promptly reported to HSBC Bank USA, N.A. when you knew that your HSBC Debit or Credit card was lost or stolen. If you believe there has been unauthorized use on your account and you meet the conditions above, rest easy knowing you have the protection of the Zero Liability promise. To learn more about additional protections with respect to unauthorized transactions, please contact HSBC by calling the number on the back of your card. Zero Liability does not apply to the following ( or certain ) Mastercard payment cards : Commercial cards, unregistered prepaid cards or gift cards. '' Nowhere on the website does it say i need paperwork to be protected.
the terms also state that they would monitor my account 24/7 and send me text messages of fraud alerts, and the never sent me notifications for the 3 XXXX XXXX transactions, they only sent me a text message notification for a XXXX transaction.
You can read their Fraud Alert & Detection terms and policy on their website, which i have copied and pasted below : https : //www.us.hsbc.com/credit-cards/fraud-alert/ I will also attach screenshots of their policy.
I think HSBC Bank USA, N.A was being really shady, and tricked me into believing everything was ok, and than put the charge back on the account 2 months later knowing the police were not going to help me, forcing me to having to pay the balance so i would protect my credit history and not damage my credit score. If this is so they are in for a big trouble i am in the middle of buying a house and I am also worried that HSBC Bank USA, N.A will damage my excellent credit report, which will require me to make strong legal actions against the company.
My lawyer has advised me to take HSBC BANK USA NA to small claims court but i strongly believe that there can be a better solution to this.
This whole process has been affecting my mental stability and i am concerned for my health.
Please help me by finding a solution for this matter.
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| 09/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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To : The Consumer Financial Protection Bureau CFPB office Re : An unauthorized / fraudulent transaction on my HSBC credit card XXXX Dear Respected Madam/Sir, I am writing this letter to complain about HSBC reapplying the charge amount of {$6900.00} on my credit card XXXX on XX/XX/2019. I request HSBC refund the charge of {$6900.00} to my account. ( Attached 1 ) In the past few months I have been contacting HSBC regarding an unauthorized transaction on my credit card XXXX with the amount of {$7000.00} ( HKD XXXX ) by merchant XXXX XXXX XXXX XXXX on XX/XX/2019. ( Attached 2 ) First of all, this is a fraudulent transaction not a dispute transaction. The strongest evidence to prove this is fraudulent is the letter from the dispute department on dated XX/XX/XXXX attached the FORGED document ( Attached 3 ) presented by the unlawful merchant XXXX XXXX XXXX. The signature on the attached invoice # XXXX and sale slip copies is obviously NOT from the same person. I responded and sent my drive license, US passport and credit card application for HSBC to review on XXXX XXXX. My signature consists of the first two letters of my first name, which is XXXX, unlike the single letter XXXX shown on the invoice. However, HSBC dispute department considered that transaction {$7000.00} as valid because of the signatures are similar. The conclusion HSBC made is totally unfair, even a layman can see the signatures are from different person. HSBC asking a cardholder to pay unauthorized transaction based on a forged document is NOT acceptable for ANY credit card holders.
Second, I notified HSBC this fraudulent transaction and HSBC has RECEIVED my confirmation on the same day. HSBC should not made this fraudulent transaction {$7000.00} approved and paid to unlawful merchant in the first place.
My credit limit is {$6500.00} ( attached 1 ) the unauthorized transaction amount exceeded my credit limit. Also, I notified HSBC that this is a fraudulent transaction by email, but the website did not allow me to submit. ( attached 4 ) I called the service number XXXX XXXX on the card back but the service number does NOT work 24 hours and 7 days as it claims. ( attached 5 ) The fraud department was closed at that time. ( attached 6 ) I logged on online banking the live chat representative received my confirmation of this fraudulent transaction but recommended me to visit the local branch. ( attached 7.8.9 ) I visited a local branch in XXXX XXXX but it was closed due to the long XXXX holiday. As a card holder, I tried all the communication tools I could master at that time to notify HSBC and HSBC did receive my notice.
HSBC stated that they received my confirmation but their live chat agents were unable to assist with any security concerns. However, the HSBC website shows the live chat is a representative not an agent. ( attached 10 ) More important, HSBC can not shirk its responsibilities by requiring a cardholder to pay this charge simply because of its own malfunction security system lacking communication between departments or no one answering the 24-hour-service line. This is NOT acceptable for any credit card holders.
Thirdly, I reviewed all of my travel receipts in XXXX XXXX and checked my bank statements again in XXXX. I found that a transaction I authorized did not appear on my bank statement, but I saw this transaction as " pending '' while I logged online to report a fraudulent transaction on XX/XX/XXXX. I called the HSBC fraud department to report this transaction with the merchant named XXXX ( XXXX ) is the amount of XXXX ( XXXX XXXX ) ( attached 11 ) disappeared on my statement but I am not sure if XXXX ( XXXX ) and XXXX XXXX XXXX are the same store. Then, HSBC transferred my case from the fraud department to the dispute department. I believe if HSBC had denied unauthorized transaction {$7000.00} in the first place, the right amount {$160.00} would have been recorded on my statement. In fact, although it was a face to face transaction, it could be a fraudulent charge, especially among the notorious scam-ridden XXXX XXXX pharmacy store as I later learned from the XXXX consumer council. XXXX XXXX XXXX XXXX XXXX XXXX This fraudlent transaction happened in XXXX XXXX. I learned from the local websites that XXXX XXXX XXXX XXXX is one of the pharmacies on the black list. Many consumers complain that XXXX XXXX XXXX XXXX uses various tricks and schemes to cheat consumers, one of the schemes is to change the amount after the consumer paid via credit card. Their store name bears some resemblance with the XXXX XXXX famous store, thus consumer often mistook it as the famous store which has great credibility. The invesigation team from HSBC did not try to collect relevant information from XXXX in XXXX and ignore my explanation. Simply said they never heard that case before which is totally an irresponsible and unfair investigation.
HSBC require its cardholder to pay this charge and ask cardholder to work with the merchant to resolve this matter directly because of this fraudulent transaction not handle by fraud department but dispute department. That is unacceptable for any credit card holders.
Fourthly, I had an extremely upsetting experience with this case investigation because of language barrier. Each call was handled by different people, and in my numurous calls to HSBC, the same thing just repeated on and on. I was often cut off during the long wait for the XXXX interpreter. When I tried to communicate in English, the investigator either just hanged up, or the line was just cut off, or they just keep me waiting for long periods of time. I even had to wait one hour, and was not able to talk to the person who handled my case. In XXXX, HSBC dispute department accepted my claim to pay {$160.00} and agreed to refund {$6900.00} to my account. ( attached 12 ) English is not my first language, HSBC representative confirmed in XXXX that HSBC accepted my claim on XX/XX/XXXX. However, HSBC sent me a letter saying that was a TEMPORARY credit on XX/XX/XXXX. ( attached 3 ) HSBC did not honor their commitment to their customer. HSBC did not treat non-English customer fairly and I believe commitment is commitment no matter in what language they use. Otherwise, this is considered language discrimination for the non-English speakers. Language discrimination is illegal under Federal and California laws.
In fact, the following investigation could have been avoided if HSBC had denied unauthorized transaction {$7000.00} on time in the first place. HSBC told me that they made transaction approved excess cardholder credit limit because of customer who with excellent credit history. Ironically, the explanation from the same customer they did not believe and accept. I feel deeply insulted with the case investigation. As a cardholder with excellent FICO score ( over 800 before this incident ), I use my credit card regularly, upon realizing the suspicious transaction, I immediately followed all the procedures to report the fraudulent transaction. In fact, the fraudulent transaction was approved by HSBC, but not cardholder. I do not accept HSBC 's investigation results. The cardholder should not responsible for the charge. However, for my own personal credit 's concern, I still paid the minimum amount of {$70.00} by XX/XX/2019.
Also, I have reported this fraudulent transaction to XXXX XXXX Police Force # XXXX XXXX XXXX, Customs & Excise Department # XXXX and Consumer Council # XXXX XXXX.
Thank you for your precious time with my case, your response and advice would be highly appreciated.
Enclosures : 1. New credit card XXXX XXXX screenshot 2. Old credit card XXXX XX/XX/XXXX screenshot 3. Letter from HSBC dispute team dated on XX/XX/2019 4. Alert email unable summited to HSBC XX/XX/XXXX screenshot 5. The XXXX XXXX invoice phone callout XXXX 24/7 record 6. The XXXX 24/7 number nobody answer recording 7. Live chat XX/XX/XXXX screenshot 1 8. Live chat XX/XX/XXXX screenshot 2 9. Live chat XX/XX/XXXX screenshot 3 10. The live chat representative not agents screenshot 11. XXXX ( XXXX ) receipt 12. Phone recording XXXX talk with HSBC dispute team
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| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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The below narrative can also be found on the attached file named " Complaint Letter.pdf ''.
I want to file a complaint about HSBC XXXX on them not exercising due diligence and inappropriately reporting me to the credit bureau for late payment.
I am a current HSBC credit card holder. However, I rarely use HSBC 's credit card. ( please see the attached HSBC credit card statement regarding my usage of HSBC 's credit card ).
On XX/XX/XXXX, I was charged by a merchant ( XXXX XXXX XXXX ) without my consent for USD XXXX. Since I rarely use HSBC 's credit card and knowing that I haven't used it for months, I was not tracking my statement. Owing to this, I had a missed payment and I was notified by HSBC via a letter for non-payment. I called HSBC on XX/XX/XXXX and disputed the charge as I did not authorize it. I also told HSBC that to block this merchant from charging me again in the future. HSBC acknowledged ( acknowledged by HSBC XXXX XXXX, employee ID XXXX ) over the phone to me that they had disputed the charge. HSBC claimed that the charge for whatever reason was valid, but they had refunded me the late fee and interest charge. I was assured by a HSBC associate that I should not expect any unauthorized from that merchant. I have also explicitly asked HSBC to remove my late payment record that they had reported to the credit bureau due to the fact that it was an unauthorized charge and I should not be responsible for the payment. HSBC said over the phone to me that they had filed a correction request to the credit bureau, but to my knowledge they did not do anything as the late payment record can still be found on my credit report.
To my disbelief, 8 Months after on XX/XX/XXXX I was again charged by the same merchant XXXX XXXX XXXX XXXX ) for USD XXXX, on my new, replaced HSBC credit card ( HSBC had since replaced my credit card twice ). Since I haven't used my replaced card ( and knowing I probably never will ), I was not monitoring the credit card statement. That again incured a late fee and interest charged. I called HSBC on XX/XX/XXXX to reason and dispute with HSBC, and HSBC agreed to I ) remove the late fee and interest charge, XXXX ) start an investigation and dispute the charges, and ; III ) try to remove the late payment record reported to the credit bureau as I have disputed the event, and also to the fact that I have asked HSBC to block that merchant from charging me again in XX/XX/XXXX.
HSBC submitted a credit bureau dispute on XX/XX/XXXX, but then they replied to me via a letter that no late payment was reported to the credit bureau during that period, and thus there is nothing to correct. Since the result of dispute investigation was not made known to me by that time, I decided to wait and act until the investigation is done and communicated with me. Little did I know that during that period, HSBC reported me to the credit agency that I missed another payment. I was shocked to learn this only through my credit monitoring app ( " XXXX XXXX '' ). HSBC effectively just told me to wait for the investigation but also on the other hand reported me to the credit bureau on a late payment that I have just disputed and explicitly asked them not to. I called immediately HSBC on XX/XX/XXXX and spoke with HSBC XXXX XXXX ( Employee ID XXXX ) and asked how did this happen. I found that not only HSBC has not cleaned up my credit report from XX/XX/XXXX, but they were now adding another late payment record to my credit report in XXXX. I immediately asked XXXX to help to put a stop to my entire card. On XX/XX/XXXX, XXXX confirmed that HSBC has filed a dispute regarding both my XX/XX/XXXX and XX/XX/XXXX event to the credit bureau, and also my case was escalated and will be reviewed and contacted by someone from HSBC. During my talk with XXXX, I demand answers to the following questions : I ) I have disputed this merchant ( XXXX XXXX XXXXXXXX ) once already on XX/XX/XXXX and asked for a permanent block from this merchant at that time. Why is this merchant allowed to continue to charge me?
II ) I have already disputed the XX/XX/XXXX charges with HSBC by calling HSBC on XX/XX/XXXX. But why did HSBC just go ahead and reported me having a late payment when I was awaiting HSBC 's investigation result? This is not ethical, especially since HSBC knows that I cared about my XXXX XXXX and had communicated this explicitly with HSBC.
III ) I was assured by HSBC back in XXXX that I should have a new replacement card with a different card number and I shall not see any fraudulent charges. How did this happen again?
I requested compensation for my loss. I was in a process of buying a house, and the sudden drop in XXXX XXXX caused me to lose the opportunity. I demanded compensation of either the amount of XXXX money or HSBC willing to be my loaner when another opportunity shows up.
On XX/XX/XXXX, I received an email from XXXX XXXX, a Customer XXXX XXXX, citing my complaint number to be XXXX. I called that number given by XXXX at least 3 times and left messages, but I never got a response back from XXXX. I finally heard back from XXXX on XX/XX/XXXX ( Her response email is attached ). Her response was unacceptable to me, as she just noted that HSBC has found no wrongdoings and denied that I have requested to block transactions from merchant XXXX XXXX XXXX. This is in total contradiction to what the HSBC XXXX have told me during all the previous phone calls, and XXXX did not back up her statement with any more details. Upon confirmation with HSBC XXXX XXXX ( employee ID XXXX ), I confirmed that all HSBC phone calls are recorded. I thus requested HSBC to share those phone call recordings with me, especially concerning the phone call made on XX/XX/XXXX, as I clearly remember that I have asked HSBC to not let that merchant to charge me again on that day. XXXX has not responded to me since even though she had assured XXXX that she was going to communicate with me on XX/XX/XXXX. She never called me back nor respond to my request.
I am deeply disappointed that HSBC has not exercised their due diligence to take heed to their customer 's requests, and even to some extent deceiving their customer in my view. In my case, I was told by multiple agents that a correction had been made to the credit bureau, but that never happened. I have asked HSBC to block the merchant from charging me again, yet that again never happen. What's most important is HSBC advised me that I can sit and wait until the investigation is complete on my disputed payment, but in reality, they reported me for late payment to the credit bureau while I was waiting for the investigation result.
Attached below is supportive evidence " Account summary and transactions.pdf ''. This shows that I rarely use HSBC 's credit card, and thus I did not actively monitor the credit card 's statement knowing that I had not used it.
" XX/XX/XXXX - 10 day letter.pdf ''. This shows that I had already had an issue with the merchant in the past for XXXX consecutive unauthorized {$5.00} USD charges and I had disputed XXXX of those ( i.e. {$5.00} USD ) to HSBC on XX/XX/XXXX. ( presumably, as I no longer have access to my old 's credit card bank statement to confirm ).
" XXXX XXXX XXXX ''. This is the latest reply I got from HSBC. HSBC had not provided any objective evidence to support its claim for saying " I found no instances before XX/XX/XXXX in which you requested to block any transactions from " XXXX ''. ". My request for obtaining a record of the conversation I had with HSBC on XX/XX/XXXX has also been ignored by HSBC. XXXX XXXX XXXX is mentioned to be the Customer XXXX XXXX, and XXXX XXXX is mentioned to be the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
*A copy of the conversation I had with HSBC XXXX XXXX XXXX Employee ID XXXX ) can also be provided if needed. I can not upload it as it exceeds CFBPs XXXX uploading limit. But please reach out to me for a copy if needed, as XXXX and I have discussed most of my claims above.
XXXX XXXX XX/XX/XXXX
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| 10/09/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
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- Confusing or missing disclosures
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Web |
Servicemember |
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The purpose for recently contacting you is that I have been trying to get my adequate mutually agreed upon settlement from HSBC Bank. I was apart of the Class action against them in the XXXX case CIVIL ACTION NO : XXXX-XXXX however I did not receive a opt out notice from them so I could hire my own attorney. In addition to this I did not cash the settlement check I emailed them immediately after I received the settlement check which I did not cash stating that I did not agree to the amount of the settlement check. I later wrote the company that handled the disbursement of the settlement funds I wrote and sent them a letter certified return receipt mail receipt number XXXX before the final court agreements of settlement disbursement stating that I did not agree to the settlement amount and wanted more. I received no response, I then further filed complaints with several Senator XXXX XXXX office and Congressman XXXX XXXX office and with the Federal Trade commission complaint number XXXX, the Consumer Financial Protection Bureau Case No XXXX, the Commodity Futures Trading Commission complaint XXXX, and Securities and Exchange Commission complaint XXXX. Court documents indicate that the Attorneys on the case did not do do diligence so this confirmed my feelings that I did not get proper representation in court document 132 is a transcript of how the settlement is unfair and in the transcript the Attorneys for the class action state that there was not due diligence or very adequate discovery. Matters of res adjudicata do not apply because I did not receive a opt notice so I could hire my own Attorney, and I continued to write and solicit a proper settlement amount, both to HSBC Bank and Government Agencies. Since I dissented against the settlement amount I have never cashed the checked. By the latest at 36th and 37th 38th to 40th court documents the court had determined agreed that both parties should negotiate a settlement. Yet class action members like me our issues or concerns about the settlement amounts were not considered hence why I want to take the case to state court and sue HSBC Bank in State court. I have the complaint case both in the body of the email and in a attachment.
My dealings with HSBC bank were that I took out a line of credit to trade in silver, and I took out a policy with HSBC Bank that I thought was to protect me from identity theft, and to protect me if I had any losses and was unable to pay back the line of credit. Which was the case and I thought the matter was settled but HSBC Bank continued to solicit funds for the insurance policy via the mail, and HSBC bank put a negative mark against my credit report even until recently as far as 2016, in fact I was even contacted last summer from a company saying that I owed HSBC money. Though I was told on the phone that the matter was settled and fine when I had first contacted HSBC Bank about the matter. At least I thought that was the case, and that was the type of policy I was taking out but in the class action it was indicated that is not the case and also do to HSBC negatively effecting my credit report. I still do not know what actually the insurance policy was that they actually sold me. It is my understanding that it is illegal for a insurance company to trick someone into taking out a insurance policy that they didn't want, you can't sell someone something telling them it is one thing and in fact it being another type of policy. That is illegal, the state deceptive trade practices acts were enacted by the various states following the passage of the Federal Trade Commission Act ( FTC Act ), which prohibits deceptive acts and practices in the sale of products to consumers. In this regard, the state laws in this area are modeled on the FTC Act, and, therefore, are highly similar in content.
Please cconsider taking on this case on my behalf as your client against HSBC Bank. The case is pretty straight forward, and you just have to follow the general map set out in the Federal Case against HSBC Bank. HSBC Bank needs to be brought to Justice for what they have done and the amount they want to pay is pittances. HSBC bank has deep pockets and they want to get away with what they have done. During the time the law suit against HSBC Bank was before the Court HSBC Bank did not act in good faith the Plaintiffs and the Putative Class which I was apart of are and were also entitled to injunctive and declaratory relief including, without limitation, orders declaring HSBCs practices as alleged herein to be unlawful, unfair, unconscionable and/or deceptive, and enjoining HSBC Bank from undertaking any further unlawful, unfair, unconscionable, and/or deceptive acts or omissions. Which HSBC Bank continued to further break the law and were doing so during the time this case was before the court. HSBC Bank has and was during the time the case was before the court manipulating the libor rate, HSBC Bank has manipulated the price of Silver and Gold which directly effected my silver trading business. Which as a side note when I first was asked what I wanted to take out the line of credit for which I stated was to trade in silver I later found out that HSBC shortly after approving the line of credit started manipulating the Silver and Gold price course that would be very hard to prove but of course that isnt the crux of the issue here. The issue here is they sold me the wrong insurance policy. What I have asked for in regards to the settlement is shares in HSBC for them to transfer ownership of stock shares over to me. They can do a share buy back which it has been discussed in the press that HSBC bank was going to do that. HSBC bank can do a share buy back, and then transfer shares over to me, which would be a win win situation for HSBC Bank they strengthen the value of their stock shares by doing a stock share buy back and they can simply transfer some stock shares ownership over to me. So it would not be to difficult for them and if the amount is adequate then the matter is settled. So please help and consider taking this case it could be very lucrative for you, and it is so necessary because HSBC bank needs to be brought to justice and HSBC Bank needs to be stopped form doing this to other people. Also with the US. Senate Bill recently passing about not being able to sue banks which I would think is unconstitutional there is need to get this case done. I have also done some work on writing the case up my self but not being a lawyer and only being a XXXX XXXX XXXX I don't have all the complete nuances of how to write up the complaint. I could send you what I have written up and you can fill in the parts about the fact there was no due diligence in the case along with there being no adequate discovery, how matters of res adjudicata are not issues because the lack of the opt out notice, and HSBC continued to break the law while the case was before the court. Like I said the case is pretty straight forward and HSBC Bank settled rather quickly but HSBC Bank have been jerking me around about the settlement amount in the complaint with the Consumer Financial Protection Bureau HSBC Bank Acknowledges they owed me money and they state I did not agree to the amount and asked them for more, but that since I didn't cash the check they gave the money to a non profit organization. So since HSBC Bank has been jerking me around about the settlement amount I have found it necessary to take them into state court and finally settle the matter. So Please help me and consider taking my case this would be very lucrative for you and would bring about justice against HSBC Bank which has committed fraud and it would stop them from doing this to other people. I have put the original case complaint in a attachment in this email and also in the body of the email below the body of this email. Thank you for your time and consideration in regards to this matter and please help me and bring Justice against HSBC Bank.
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| 11/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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XX/XX/18 : I applied for the HSBC Platinum Rewards MasterCard and received an email response that they would review the application and respond within 7-10 days if they needed addition information.
XX/XX/18 : I received an email from HSBC asking me to send in proof of my address in the form of a tuition bill, utility bill, or lease agreement and SSA benefits letter dated within 60 days. HSBC provided a link in the email to upload the documentation. I clicked the link and uploaded a copy of my utility bill which had the address that matched the address I put on my application.
XX/XX/18 : I called HSBC to check the status of the application, was told by the representative that I needed to submit the documentation they requested. I told her I did, she put me on hold, then came back and said she did see that I submitted the utility bill, and I then received an email that I was approved for the HSBC Platinum Rewards MasterCard and that I would be receiving my card within 7-10 business days.
XX/XX/18 : I received the HSBC Platinum Rewards MasterCard. I followed the link provided on a sticker on the front of the card to activate the card online. I followed the activation procedure and successfully activated the card. I then attempted to add the card as a form of payment for a monthly auto-billing and it was declined. I called the customer service phone number listed on the back of the card and after 2 different calls in which I was on hold for over 40 minutes, I finally reached an agent who looked into my account and told me that my account was blocked and the only department within the institution that could remove the block was closed and that I needed to call back between XXXX and XXXX EST the next day.
XX/XX/18 : I made 2 different calls starting at XXXX EST to HSBC 's credit card customer service department. After spending just over 2 hours total time on hold, I got through to a representative who then transferred me to the department that could remove the block, which turns out to be their " Security Team ''. I was told by a representative of the Security Team that they could not verify that I own the phone number that I put on my original application and that was associated with my account, even though I was calling them from said phone number and they could see that. The representative said they would not remove the block until they could verify my phone number, and told me that the card had been blocked right after it was mailed out to me. I offered to email her a copy of my wireless phone bill to verify my phone number and the representative told me that that was unacceptable as proof of my phone number and that the bank would, " conduct its own investigation '' to verify my phone number and that this could take up to 24-48 business hours, or up to 6 business days. I told this woman that this situation was absolutely outrageous. That I had never even heard of a bank blocking a new card before the customer ever even received the card or had the chance to activate it, and then I asked her to please close the account. She said she would not close it because she could not verify my phone number.
Following this conversation, I XXXX to @ HSBC_US about the situation and was told to email them at the provided customer service email address, which I promptly did. A couple of hours later, I received a phone call from an HSBC representative. I described the situation and she said she could verify my identity by me generating a security code through the HSBC mobile app on my phone and then logging into online banking on the computer with said code. I did as she requested, she verified this, and said she could remove the block. After being placed on hold a few times, she came back to tell me that she needed to contact the same Security Team to ask them to complete the removal of the block. After placing me on hold a couple more times, she said the hold time was long and asked if she could call me back. I said she could and about an hour later, I received a call back from her. She told me that because the Security Team originally said they needed to conduct their own investigation into my phone number that the block could not be entirely removed and that a representative from the Security team would absolutely be contacting me to finish the block removal process within 24-48 hours.
XX/XX/18 : I decide to conduct some research into the HSBC Platinum Rewards MasterCard only to discover that a number of other people have experienced the same exact problem as I have. One individual had their card blocked right after it was sent out only to call in and be given the same exact excuse about their phone number not being able to be verified and this person has had the block on their account for almost 2 months now. There are a number of other individuals who have had the same exact problem and have been given the same exact excuse. I have come to find out that HSBC requires you to use the card within the first 3 months to trigger their 12 month 0 % interest promotion. I have come to the conclusion that it appears that HSBC is blocking new cards as they are sent out, and will not remove the block in order to prevent cardholders from using the card within the first 3 months in order to trigger the 0 % interest promotion. Essentially, they appear to be running a scam regarding the 0 % interest promotion in order to entice people to apply for the card, and once they are actually approved, HSBC then promptly blocks the card after its sent out and refuses to remove the block. This, in my opinion, and the opinion of a number of other cardholders, is fraud being conducted by HSBC and is causing undue harm to creditworthy individuals who can verify they own their phone numbers, yet HSBC will not accept proof of their phone number ownership from the customer.
XX/XX/18 : It is now 96 hours after I was told I would receive a call back from the Security Team within 24-48 to complete the removal of the block on my card, and I still have received no such call and there is still a block on my card. I am now in possession of a card that was issued over 2 weeks ago, had a block placed on it while in transit to me, and that have not ever been able to use. The account showed up on my credit report about a week ago, and the new account along with the inquiry to open the account has dropped my credit score 41 points, and this is because of a credit card that HSBC refuses to close, and I still can not use.
I would implore the CFPB to investigate this apparent HSBC Platinum Rewards MasterCard 0 % interest scam in which HSBC is approving customers for the card, then blocking the card when it is sent out, not allowing the customer to prove ownership of their phone number, and all in an apparent effort to keep the card blocked for the first 3 months the account is open in order to prevent the cardholder from using it and triggering access to the 12 month 0 % interest promotion. I am one of dozens, and possibly hundreds, if not thousands of new customers to be a victim of this apparent HSBC Platinum Rewards MasterCard scam, and I sincerely hope that other US applicants do not fall for this scam and get defrauded by HSBC as I, and many others, apparently have. The bank refuses to close my account per my request, and once again, I am left in possession of an HSBC Platinum Rewards MasterCard that I can not use and that has caused a level of damage to my credit report that will take months to recover from.
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| 07/26/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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In late XXXX or early XXXX of 2019, I received a piece of mail at my home from HSBC inviting me to open a new HSBC Advance checking account. The mailer advertised a {$370.00} " welcome deposit '' upon completion of the following qualifying activities : " -Open your new HSBC Advance checking account by XX/XX/2019 ; and -Deposit a minimum Qualifying Balance^2 of {$10000.00} or more in New Money^3 in combined checking and savings accounts within 30 calendar days of account opening^4 ; and -Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance '' The footnotes referenced above are reflected on the reverse of the mailer. The document goes on to state " You will automatically receive the {$370.00} Welcome Deposit in your new HSBC Advance checking account approximately eight weeks after completing all qualifying activities. It's that simple. '' On XX/XX/2019, I visited the website referenced on the mailer ( XXXX ), entered my " personalized code '' as printed on the mailer, and submitted an application to open a new HSBC Advance checking account. On XX/XX/2019, I received confirmation that HSBC had established my new account. On or about that date, I initiated a transfer of {$10000.00} cash from an XXXX XXXX savings account to the new account at HSBC. On XX/XX/2019, the transfer of {$10000.00} posted to the new account at HSBC. This account was the first one I have ever opened with HSBC, and it remains my only account therewith.
Based on the terms of the offer I received from HSBC, I noted for my records that I would satisfy the " 90-day requirement '' on XX/XX/2019 and that the welcome deposit should appear eight weeks from that date, on or about XX/XX/2019. I will note that from the point of initial funding on, I never debited funds from the HSBC account and at no point did the balance fall below {$10000.00}. To this day, the account balance exceeds {$10000.00}.
On XX/XX/2019, I logged into the HSBC mobile app to check the activity in my HSBC account and noticed that the welcome deposit had not posted. At that time, I initiated a live web chat with HSBC customer service to inquire as to the status of the welcome deposit. I referenced the mailer I received promoting the offer, provided the foregoing timeline of account opening and funding, and was told to allow 3-5 business days for review of my case. I was told that I would receive a written response via " Bank Mail, '' a secure means of electronic correspondence through the HSBC client portal.
By XX/XX/2019, XXXXve business days had passed since my web chat with HSBC customer service. I placed a call to HSBC Advance customer service on the afternoon of XX/XX/XXXX and explained my situation. I was told that there was an error with the query submitted as a result of my web-chat interaction and that they would need to investigate further. I was told that they would call me back the next day ( Friday, XX/XX/XXXX ) or early the following week.
On Wednesday, XX/XX/2019, I received a call from the same representative with whom I had spoken by phone at HSBC Advance Customer Service. The representative reported that the analyst looking into my situation confirmed that I opened the account from the correct landing page to qualify for the welcome deposit. The analyst requested the personalized code I entered with my application. Fortunately, I saved the original mailer that contained the code in question and I provided the code to the service representative. The representative told me that she would pass the code along to the analyst and that the deposit would " hopefully '' appear in two or three days.
On Friday, XX/XX/2019, I received another call from the same representative who indicated that she had " good news '' to report : HSBC confirmed that I satisfied the qualifying activities and approved the welcome deposit. It would appear in my account after four weeks, as long as the account remains open at that time. I asked the representative why it would take an additional four weeks for the deposit to appear, given that HSBC had definitively established that I qualified for it and that it should have been issued weeks prior. The representative was unable to provide an explanation for the further delay. I indicated that the delay was unacceptable and was a further deviation from the terms advertised on the offer I received by mail. I told the representative that I intended to file a complaint with the CFPB, at which point she said that she would like to apologize on behalf of HSBC and that she would escalate the matter internally in the hope that they could expedite processing of the welcome deposit.
As I explained to the HSBC service representative, my complaint has little to do with the amount of money at hand ; my issue is with the process and what appears to be a practice of failing to pay out the promised incentive, creating numerous hurdles for the consumer to overcome once alerted to the fact that the incentive has not been paid, and needlessly delaying the payment once it has been " approved. '' Based on my experience with HSBC, I have no confidence that I will actually receive the deposit in four weeks. There is no reason why I should have had to contact HSBC in the first place, as they have established that I satisfied all of the requisite terms of the offer from the get-go. Given HSBC 's acknowledgment of that fact, I have to wonder how many other customers have been denied welcome deposits and any other targeted incentives used in marketing materials to get people to open new HSBC accounts. It is sheer luck that I retained a copy of the mailer I received containing the personalized code that HSBC requested in order to verify my eligibility for the welcome deposit, despite the fact that I was required to enter said code before I could even submit an account-opening application from the web page referenced in the mailer. I accepted the terms of this promotion and satisfied every requirement of me as the customer, including giving HSBC eight weeks after satisfaction of the qualifying activities to pay out the welcome deposit. HSBC has not held up its end of the promotion that it went out of its way to advertise, and there is no reason I should be made to wait four more weeks to receive the welcome deposit to which they acknowledge I am entitled. All the while, my $ XXXX-plus account balance at HSBC is held captive. If I close the account before the welcome deposit is paid, I forfeit any claim to it. If the balance falls below {$10000.00} at any point while the account is open, HSBC will assess a monthly " maintenance fee '' on my account, the APY on which is a paltry 0.01 %.
I am fortunate in that I have the wherewithal to await a resolution to this matter before having to withdraw funds that would cause me to incur a monthly maintenance fee, or close the account and forfeit the welcome deposit entirely. I've spent hours trying to resolve this with HSBC to no avail, and I've kept meticulous records of every interaction I've had with HSBC in addition to retaining the original offer I received by mail several months ago. I would like a prompt resolution of my own issue with HSBC, but I am more interested in ensuring that others are not being taken advantage of as I have been.
Thank you for your time and consideration of this complaint.
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| 05/11/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
Servicemember |
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I took HSBC up on a checking account opening bonus offer and I 've held up my end of the bargain. They have not and they 've stated clearly that they do n't intend to. This is not an acceptable way to conduct business. Here 's the story : In XX/XX/XXXX H SBC began a promotion for their checking accounts : " Open a new HSBC Choice checking, Advance checki ng, or Premier checking by XX/XX/XXXX , and get a {$350.00} bonus with qualifying activities : Either : Pay at leas t two bills per mont h from your new HSBC checking account via HSBCs online Bill Pay for three co nsecutive months within 120 cale ndar days of account opening. Or : Receive at le ast one qualifying dir ect deposit per month into your new HSBC checking account fo r three consec utive months within 120 calend ar days of account opening. A minimum cumulative amount of {$3000.00} is required. ' XXXX XX/XX/XXXX - I applied for an HSBC checking account online. XX/XX/XXXX - I called to follow up on the account application that seemed to be taking too long. I was asked some questions about the source of funding and told things should be moving along. XX/XX/XXXX - Account still not opened so I called again and was told " almost '' XX/XX/XXXX - Account opened and received welcome letter Note : If we use XX/XX/XXXX as the account opening date, I 'll have to meet 1 of the 2 r equirements for the bonus before XX/XX/XXXX XX/XX/XXXX - Account gets funded with a transfer in from another financial institution where I also have an account. ( Note that it took 39 days from the date of original application to get a new checking account setup and funded ) XX/XX/XXXX - Added additional funds to account via transfer XX/XX/XXXX - Pa id 2 sepa rate bills using HSBC 's bill pay service XX/XX/XXXX - H ad chat session with customer service to verify terms of the bonus and key dates. Was told I needed to m ake 2 more months worth of bill payments in XX/XX/XXXX and XX/XX/XXXX . XX/XX/XXXX - Pai d 2 sep arate bills using HSBC 's bill pay service XX/XX/XXXX - Paid 2 sep arate bills using HSBC 's bill pay service With the completion o f 2 bill pay ments on XX/XX/XXXX I s atisfied the requirement to pay at le ast 2 bills u sing HSBC 's bill pay feature from my account within 120 days of account opening. The terms of the bonus offer state : " Qualified customers will automatically receive a {$350.00} welcome deposit into their new HSBC checking account approxima tely eight weeks af ter completing all offer requirements '' 8 w eeks from XX/XX/XXXX is roughl y XX/XX/XXXX . I wa s content to wait until that date and perhaps a bit beyond. In earl y XX/XX/XXXX upo n logging into my HSBC account I was presented with a message that I had not completed the requirements of the bonus offer. I used HSBCs BankMail system to send a secure message inquiring about the issue. Betwee n XX/XX/XXXX and XX/XX/XXXX I had a number of contacts via XXXX . There was a lot of waiting in between messages until I suggested that I might be forced to file a complaint with the CFPB. On XX/XX/XXXX I finally got firm language from HSBC : " Upon review, we notice that you have not met the bill pay requirements nor the direct deposit requirements for the promotional bonus. As such, the bonus was not credited to your account. Please note : Pay at leas t two bills per month from your new HSBC checking account via HSBC ? s onl ine Bill Pay f o r three c onsecutive months within 120 calenda r days of account opening. OR ; Receive at lea st one qualifying direct deposit per month into your new HSBC checking account for three conse cutive months with in 120 cal endar days of account opening. A minimum cumulative amount of {$3000.00} is required. Since you have not met the promotional bonus requirements, the bonus was not credited to your account. '' I replied and asked for them to check that again since m y 3 consecutive months of bill pay did occur within 120 days of opening and there was no requirement to begin the 3 consecutive months within any particular timeframe. On XX/XX/XXXX in reply, they sent me this : " Please be informed that in order to qualify for the {$350.00} bonus offer a new HSBC Choice Checking, you are required to pay at leas t two b ills per month from your new HSBC checking account via HSBC 's online Bill Pay for three cons ecutive months w ithin 120 calend ar days of account opening or receive at least one qualifying direct deposit per month into your new HSBC checking account fo r three conse cutive months within 120 cale ndar days of account opening. Upon review, we confirm that the bill payments was processed on your account from the month of XX/XX/XXXX . However the bill payment needs to be for three conse cutive mo nths within 120 calendar days of account opening. Please be informed that there were no bill payments in the month o f XX/XX/XXXX and XX/XX/XXXX . As such, your account is not eligible for the {$350.00} bo nus. '' I replied and noted that there was no requirement to begin the bill payment sequence within any particular timeframe, only to complete 3 consecu tive months of at lea st 2 bill paym ents per month within 120 days. ( Logically, the terms are designed to allow people to get their account opened and start the process of using their new account - that sometimes takes time - it took them 36 days to get my account opened - it would be nice if they 'd extend the same courtesy of patience to their customers. And they do in the way thei r terms are written - but I suspect the author o the terms and the interpreters of the terms for bonus paying purposes are not on the same page. ) Their final XXXX reply came on XX/XX/XXXX : " Additionally, we notice that you r Personal internet ban king service was successfully activated on XX/XX/XXXX . However, you initiated your first bill payment only in the month o f XX/XX/XXXX . As such, we regret to inform you that you do not qualify to receive the {$350.00} bonus. '' So, more of the same. So I turned to the phones. I called customer service on th e XX/XX/XXXX to attempt to address the issue. On the phone call, my last contact with the bank, I was told that researching the issue could take until XX/XX/XXXX . I realize that things can sometimes take a bit of time, but this is somewhat ridiculous. 23 days to research an issue that would seem fairly simple to address? I suppose for a bank that takes 36 days to get an account opened that should n't seem surprising, but at some point I start looking for an adult to step in and make a determination on things. Their bonus terms were fairly clear and I satisfied them. A new account opening bonus is due. I do n't know why a bank that wanted to get a new customer and was willing to spend {$350.00} to get one would work so hard to now push that customer away, but that 's where we are in the process. I honestly do n't know what these folks are thinking. I 'd appreciate a review of the issue and a final response from the bank so I can determine if we will continue to do business or forever be estranged.
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| 12/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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In late XXXX and XXXX, I kept receiving phone calls from HSBC local branch worker XXXX XXXX ( who I never worked with or known before ) to ask me to update my checking account and talking about investment opportunities.
On XXXX, I went to XXXX local branch to meet with XXXX XXXX, I updated my current checking account to a premium account and applied for a new credit card there with XXXX XXXX. but I never received the new credit card.
On XX/XX/2019 XXXX XXXX, I received a fraud alert message on my phone from HSBC, saying there is a {$1100.00} transaction on my card in XXXX, asked me to confirm if it was my purchase. I replied NO immediately and followed their procedure to call their fraud center to report the fraud and I told the receptionist that I never received the credit card. The receptionist confirmed that he acknowledged it, and the card was closed, and there would be a new credit card sent out.
Around 5 minutes after our call with HSBC, I got another fraud alert message from HSBC, saying that there was a transaction of {$380.00} at XXXX 's clothing, and asked me to confirm if it was my purchase. I replied NO immediately and called their fraud center again, the receptionist said he couldn't see the transaction under my credit card, but he could see it under a new debit card. Until then I know that there was a new debit card was sent to me as well. As I was never notified in any form that a new debit card would be sent out. And I told him that I didn't receive the new debit card, the transaction is fraud, and also I asked if there were any other purchases made on the debit card, and I was told the {$1200.00} transaction at XXXX as well. I reported fraud immediately, and the receptionist said he acknowledged it and closed the debit card, and a new debit card would be sent out to me.
On XX/XX/2019, I received the denial letter from HSBC regarding my debit card fraud transaction of {$1200.00} saying it was authorized and I should be responsible for the charge. ( For the debit card case I filed a cfpb complaint on XX/XX/2019 as soon as I got the deny letter, complaint case id XXXX ).
On XX/XX/2019, I received the denial letter from HSBC regarding my credit card fraud transaction, saying that I have to be responsible for the {$1100.00} charge according to the cardmember agreement and disclosure agreement, and the balance has to transfer to a new account number.
On XX/XX/2019, I called their fraud center, asking for an explanation of the denying, and the guy who claimed named to be XXXX and claimed to be the supervisor of the fraud investigation team told me that for the credit card {$1100.00} transaction as it is chip read, the physical card is used, that's why I have to be responsible. And regarding the debit card {$1200.00} transaction, at first, he told me that since the pin for the debit card was used, that is why it was my authorized transaction. I told him first we never received the debit card and never know about the pin, and according to our bank statement, as of XX/XX/2019, our account balance is only {$200.00}, the fraud transaction is {$1200.00}. How could that get approved and pass-through? And then he just changed what he said and told me that the investigator just got back to him, the {$1200.00} debit card transaction didn't use the pin, it was chip read as well. Since the physical card was used, so it is my authorized transaction.
This is nonsense, I followed the procedure and reported fraud as soon as I saw the fraud alert messages. And since HSBC detected the {$1100.00} transaction, but they still let the transaction posted to my account on the next day which is XX/XX/2019. Is their fraud detection just a joke? The {$1200.00} transaction also posted to my checking account after we have enough account balance as our direct deposits went in on XX/XX/2019, which is the next day.
Also, I tried to file a police report in the local police department, and the local police department needs affidavit forms from HSBC. We made a bunch of calls to the HSBC fraud team to ask for them, they always claimed that they sent it out, but I never received it until on XX/XX/2019 my wife and I spent more than an hour with XXXX ( HSBC fraud investigation team ) on the phone to make sure that he asked the investigator to send it over via email.
After I filed the police report with our local police department using the affidavit ( fraud claim form ). The police report number is XXXX and the police department is XXXX Pct XXXX XXXX XXXX, XXXX NY XXXX. The detective assigned to this case XXXX XXXX needs the exact time for all fraud transactions in order to retrieve the video from the department stores to see who made the purchases. Even the detective complained to me that HSBC is very unresponsive, he couldn't get the response from HSBC.
Today XX/XX/2019 I tried to call HSBC fraud team 4 times to ask for the exact time of the fraud transactions, One of the receptionists named XXXX told me that he needs to get one of the specialist to compile the receipt of the fraudulent transactions and they would get back to me today, but I never got call back, and the second receptionist told me that they don't have the exact time of the transactions, they only have the amount and the location of the fraud transactions. And finally, on the 4th call, the representative told me but for which I think the time is not accurate, cause she told me the {$1100.00} was made on XX/XX/2019 XXXX XXXX, but clearly my fraud alert message from HSBC was XX/XX/2019 XXXX XXXX. hence the transaction should on or before XX/XX/2019 XXXX XXXX. And she told me the {$1.00} transaction was also at around XX/XX/2019 XXXX XXXX. And they didn't have the {$380.00} transaction detail as it wasn't posted to my account.
Additionally, I asked HSBC the below questions via email to their investigation team : 1 ) since I didn't receive the card, how the new credit card and the debit card got activated?
2 ) if activation was via phone, what the phone number was used?
3 ) if activated online, what the IP address was used to activate?
4 ) what information was provided to activate the cards?
5 ) As we already responded to the fraud alert message and followed the procedure, why the transaction still gets posted and we should hold responsible. Is HSBC fraud detection just a joke?
HSBC never replied to me regarding my questions and confusion above.
Definitely HSBC has huge problems internally in its procedure ( the new card activation process and fraud transaction detection process etc ), Due to HSBC 's negligence and problematic procedure and their attitudes towards the consumers, there might be a lot of existing victims and potential victims like me. Due to HSBC 's problematic procedure with new card activation and fraud detection, fraud transactions process, there will be more and more victims of fraudulent transactions if they use HSBC cards. I have been with HSBC for more than 15 years. And as of now, I know how messy the HSBC internal system is and how HSBC treated their premium account holders. It is really a nightmare to deal with HSBC. I need a fair resolution for this case.
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| 04/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I initially contacted HSBC 's credit card customer service division early in XXXX via telephone to inform them that there were two credit charges that needed to be placed into a dispute status : 1. XX/XX/XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX. XX/XX/XXXX {$600.00}. I then followed this telephone call with an official letter explaining the reason for the credit card disputes and attached all necessary documents which included some 38 plus pages of shipping/ tracking documents. This was sent via CERTIFIED MAIL USPS Tracking # XXXX. According to the USPS website these letters and documents were delivered to HSBC 's correspondence address of : XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/XXXX they also had to be signed for..
I explained in my letter that these two charges were from two separate orders placed with XXXX XXXX XXXX XXXX. These orders were cancelled via phone with XXXX XXXX XXXX XXXX 's customer service department because I was able to find the merchandise at a significantly lower price. XXXXXXXX XXXX XXXX XXXX did not cancel the orders and ended up shipping the merchandise out in error. They shipped multiple items in multiple shipments. When I became aware of the error I immediately called XXXX XXXX XXXX XXXX and informed of them of their error. I was instructed to simply " refuse '' all shipments and they would issue credits as soon as they received them back. I did exactly as they instructed me.
XXXXXXXX XXXX XXXX XXXX has had their merchandise back for months now and they have only given me several credits here and there but have not given me the full amounts in dispute as they should.
I recently received from HSBC a letter dated XX/XX/XXXX where they were forwarding to me the merchant 's response which was nothing more than a nonsensical one line statement that simply said something to the effect of " the chargeback was invalid '' and to see their '' return policies '' and of course a copy of the order stating shipped beside each item.
I have absolutely no idea what kind of fraud XXXX XXXX XXXX XXXX thinks they can get away with here but these two chargebacks are VERY MUCH VALID!! I " refused all shipments from these two orders as they instructed me to do. They received everything back months ago accordinhg to all tracking documents and they are saying the chargeback is invalid??
In their response to HSBC XXXX XXXX XXXX XXXX didn't include any shipment/trackind documents like I did with HSBC because it would have shown that they received all shipments back as " refused '' by receiver thus making the chargeback disputes very much valid.
HSBC 's customer service department was contacted via phone at least 10 times today because I kept getting hung up on repeatedly and the representatives said they didn't know what happened to the certified mail documents originally sent in XXXX to the dispute department eventhough I have proof they received everything. They also didn't have any record of any forwarded emails that I sent to their dispute department from XXXX XXXX XXXX XXXX stating that they were going to credit me in full for both orders. HSBC 's dispute department has mysteriously lost everything documents/emails and now XXXX XXXX XXXX XXXX is trying to commit fraud with these rediculous statements.
After spending what seemed to be like 3 hours on the phone with HSBC 's customer service department... I got so frustrated I just gave up. They were INSISTENT that I resend all paperwork, which included cover letters, tracking documents etc. but told me they weren't sure what address to have me send it to but to just send it back to XXXX XXXX XXXX XXXX XXXX They didn't know the dispute department 's address and could not help me at all with addressing these issues. The dispute department gave me a deadline which is XX/XX/XXXX to get back with them if the case needs to be reopened or reinstated or whatever and the case hasn't even been resolved yet. I received no follow up phone call from HSBC 's dispute department and now they are rushing me to respond by the XXXX of XXXX, XXXX and that's only 5 days from today with a two day weekend. Absolutely unbelieveable!!!!
I ended up typing up a new 2 page cover letter this evening explaining all of these problems and that I was unable to get any help over the phone after 10 plus calls to customer service and that I was simply resubmitting all prior paperwork that had previously been sent certified mail for a total of about 42 pages. This is all being done at my expense and inconvenience of course. I will send this XX/XX/XXXX and pray and hope they receive it by the XXXX of XX/XX/XXXX.
I am sick and tired of having problems with HSBC 's customer service department and their inability to do anything/give out correct information/addresses/speak to the dispute department and resolve questions from letters we as customers receive.
When HSBC starts to loose important documents sent via certified mail and then claim they never received them then we have a real problem on our hands. Who's to say they won't loose this next set I'm sending tomorrow.
I need HSBC 's chargeback/dispute department to call me so we can discuss what we need to do to resolve these issues. Their inability to speak to anyone or take a transferred call from customer service is simply insane!!!
I DO NOT WANT THESE CHARGEBACK CASES CLOSED FOR ANY REASON FOR THEY HAVE NOT BEEN RESOLVED YET!!!! CASE # XXXX & CASE # XXXX.
The thing that bothers me the most is that noone seems to know what anyone else is doing at HSBC??????? The customer service department is absolutely oblivious to what is going on in the dispute department and you can never ever speak to anyone in the department to get any follow up assistance or help... .. making the customer feel absolutely helpless.
I am absolutely disgusted with HSBC. They need to get their act together and get these chargeback disputes resolved. This is costing me time, money and aggrivation and if they would just let the customers speak to the dispute department and stop loosing certified mail sent to their department specifically to help them with these disputes we wouldn't be dealing with this situation.
The dispute department just can't take the merchant 's response, " the chargeback is invalid '' and " refer to return policy '' as gospel ..... I cancelled these orders directly via phone with XXXX XXXX XXXX XXXX XXXXs customer serv. department they didn't cancel the orders then they shipped out the orders in error. They told me to " refuse '' shipments and I did exactly that and now they are saying that the chargebacks are invalid and to reverse them???? after they have all their merchandise back and showed no proof otherwise. No I don't think so. I'M GETTING ALL OF MY MONEY BACK IN TOTAL FOR THESE TWO CHARGES. They are trying to commit fraud and they are not going to get away with it!!
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| 12/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XX/XX/2020 two unauthorized purchases were made on my card in an amount of {$100.00} dollars each from an unknown merchant XXXX. After noticing the unauthorized charges on my card on XX/XX/XXXX, I promptly contacted my credit card company ( HSBC ) and reported it to them. I was assured that I would not be responsibly for any authorized charges and investigation would be launched within 10 business days.
HSBC makes claims on their site about {$0.00} Liability, Online Guarantee ( You don't pay for unauthorized charges. ) See : XXXX XXXX XXXX # liability After 3-4 days of not having hearing anything back from HSBC and not seeing any provisional credit in my account I once again contacted HSBC to try to figure out what was going on. After about 40 minutes of given the runaround by a customer service rep I was transferred to the fraud department and was told that investigation was ongoing and that I would be provided back with credit within 10 business days.
On XX/XX/XXXX, two {$100.00} adjustment charges were credit back to my account. Once again I have heard nothing back from HSBC and assumed the investigation was concluded and the charges were reversed.
On XX/XX/XXXX, I noticed the reversal of the charges again and once again two unauthorized charges appeared back on my card. Once again, without any communication whatsoever.
Upon noticing the reversal of charges on XX/XX/XXXX I once again called HSBC to get clarity of what was going on. I was connected with one of the customer agents XXXX but after spending over an hour on the phone she couldn't explain to me what was happening or why the charges were back on my card. At one point even mentioning that it was " bizarre to see the charges back while the investigation was still open ''. I asked XXXX to keep on investigating and give me a call back when she had more info. On XX/XX/XXXX, XXXX called back and left a generic messaging asking me to call HSBC back. Unfortunately she did not provide me with her direct phone number and instead left a general help number XXXX.
Upon calling back HSBC on XXXX XXXX, the new customer support agent XXXX spend an hour keeping me on the phone while giving me the run around. At one point she was " trying to connect me back to XXXX '' and her supervisor when I got frustrated after being holding for 45 minutes. When requested that I connect to a fraud department supervisor I was told that wasn't possible but the finally found some notes that my claim was denied. When I pushed XXXX for me details of who made the purchase, what was purchase and when was it shipped I was told she didn't have those details but since I requested them a supporting proof of documentation would be emailed back to me and I would receive a call back from a supervisor.
On XX/XX/XXXX i received a letter in the mail backdated back to XX/XX/XXXX, stating that " After careful review of the circumstances and the information you provided, we have denied your claim. Therefore, you are responsible for the Account Balance as set forth in your Cardmember Agreement and Disclosure Statement. If you would documentation supporting our decision please contact us ''.
Having not heard back from the supervisor nor having received the supporting documents of the investigation like I was promised on XXXX XXXX, I once again called HSBC on XX/XX/XXXX to get more details of the investigation and " proof of purchase '' they had previously promised me. I once again re-iterated to the agent that I never made the purchase and the charges were not authorized by me. After spending another 36 minutes on the call i was finally told that the reason my claim was denied was because HSBC received supporting documents that the merchant shipped the merchandise to the " address on file ''. They refused to provide me with basic details of what was the purchase, who purchased it, when it was shipped or a tracking number. The agent claimed that she " did not have access to view the supporting documents ''. They stated that the decision was final, there is nothing they could do about it and I should contact the merchant if i wanted any further action. I was once again told that supporting documents would be emailed to me to review. When pressing to speak to someone who can access the documents I was once again place on hold and 5 minutes later promptly hung up on.
After once again waiting few days to receive a copy of supporting documents and hearing nothing back from HSBC I decided to contact the merchant to see if they could shed some light on the situation. After XXXX the merchant XXXX XXXX I quickly discovered that the merchant was an XXXX company that had no US phone number or US based operation. This reaffirmed that the transaction was a fraud but decided to proceed anyway to see what info the merchant had.
After chatting with XXXX XXXX 's customer care agent XXXX ( see transcript of conversation attached ) I quickly discovered that nothing was ever shipped to my address since the fraudsters used my credit card to purchase gift cards. Those gift cards were then used to purchase other merchandise on the site. Upon requesting to confirm that the purchases made with the gift cards were not shipped to my address the agent would not provide any more info but did reassure me that all that info was previously provided to my bank.
" We apologise that we are unable to provide any further details on this to you. The original purchase made on your card was for a gift voucher which looking further has since been used to purchase product online. Please know that all relevant details surrounding the purchase do follow protocol and your bank will have all of this information to provide the authorities ... '' It is now becoming perfectly clear that HSBC never conducted a proper investigation or established that the charges were authorized by me. Instead all they confirmed was that my address was used to purchase the card, yet did not even bother to confirm that nothing was ever shipped to me. I have no idea how they are substantiating the claim that the merchandise was shipped to the " address on file ''.
The whole investigation is a sham of a process. HSBC failed to protect my account. Violate my rights under FCBA by failing to conduct proper investigation. Failed to provide me with evidence ( as required by law FCBA and previously requested ), and making me responsible for unauthorized charges that were never authorized by me ( another FCBA violation ). They are simply trying to get out of their responsibility under FCBA and their " {$0.00} Liability guarantee '' and simply make me the responsible party for the fraudulent charges.
HSBC has a history of shady practices, money laundering and covering things up and this example is no different. Looks like their never learned from their mistake. https : XXXX
|
| 11/06/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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My wife and i had a joint checking account with HSBC US and separate HSBC US XXXX facilities up until early XXXX XXXX. Through their customer Outreach Dept a decision was taken to close our checking account and terminate our HSBC XXXX accounts.
The only reason we can think of for this action to be taken was that we were unable to answer a series of questions about our personal financial circumstances within a given timeframe.
Both my wife and myself think their action was extremely unfair since we did manage to communicate at least on one occasion via the telephone and having not undergone this process previously we had no idea of the seriousness of the situation. The other major contributing factors that we believe could have led to this decision was the fact we live overseas, and it would appear HSBC Outreach Dept. 's lack of awareness with regards to our situation.
Here is some background to our case.
As mentioned above we had a joint checking account and HSBC XXXX. These were opened around XXXX and we have had no major problems prior to this. Our living overseas is down to working for the Federal Government XXXX XXXX specifically XXXX. This was advised to HSBC back in XXXX where our first posting was to XXXX. In XXXX we were posted to XXXX and again HSBC was made aware of this prior to our arrival. We had also clearly indicated on their online banking website that our preferred mode of communication was EMAIL. This point is very important since the telephone services were both unreliable and often poor quality. Sending urgent documents via regular mail was also problematic since all post to us comes through a Diplomatic Pouch which can take up to 4 weeks.
We finally became aware that there was some urgency in this matter when we were away on leave to XXXX and XXXX. We left XXXX on the XXXX XXXX XXXX and did n't arrive back home until the XXXX XXXX XXXX. Whilst away we contacted HSBC about another matter and during that conversation we were asked if we could speak to someone ( I believe from the Outreach Team ) regarding certain information they required to complete their records. I personally spoke to someone answering various questions about my financial situation but for some reason they never asked to speak to my wife. At the end of the call I was left with the impression that they had as much detail as they needed but would get back to me if more questions arose. During this conversation there was no discussion about whether we had received earlier communications requesting information and the urgency behind any subsequent request that might be forthcoming.
Upon our return to XXXX, my wife went back to work on XXXX XXXX and collected from the US Embassy the post that had accumulated whilst away. We received three letters from HSBC dated XXXX XXXX, XXXX XXXX and XXXX XXXX. One was addressed to my wife, another to myself and one to the both of us. Even the earliest did n't reach us in time before we left XXXX.
We also noted that in one of the communications dated the XXXX XXXX it stated that we had 'recently relocated to XXXX XXXX. We simply do not understand where this line of thinking originated. Our records should have clearly indicated that we were posted here 3 years ago! As mentioned above we certainly notified HSBC of this situation and we have had numerous transactions originating in XXXX. The communication also went on to ask for various personal documents related to net worth, income etc and requested we send copies via pdf. At this time as mentioned above we were in XXXX and XXXX so we had no way to retrieve the information they requested by the date required. If their request had been sent by email it could have been flagged immediately - we would not have been able to provide the information at that time but we could have entered into a discussion about a timeframe that would work for all concerned.
During that first week back from our leave I also contacted the Outreach Dept on a number supplied to speak to the individual identified in the letters. I made sure i called during US office hours but only ever managed his/her answerphone. I left a number of messages explaining our situation and that i 'd be happy to answer whatever questions he/she had to the best of my ability. I also informed him/her that I would call them at a time that suited their schedule and supplied my email address which they already had on file as a reminder. At this time at the beginning the account was still open and there were no messages from their online banking website advising they were about to close the account. I did use the bank mail as a further option to let them know we 'd been away for a lengthy period and were now back ready to assist with their enquiries. I got confirmation that this had been passed on but no communication was received from the Outreach Dept ( which considering their name seemed a little strange ) to arrange a possible appointment to discuss.
Where are we now?
Well it has caused us a great amount of disruption to our daily lives. Living where we do the day to day stuff that might be taken for granted becomes super important. Reliable and secure banking facilities are a key element in maintaining a standard of living we would expect back home in the USA. In addition we have also missed credit card payments which we have never done before. Money was transferred into the checking account to cover a due payment. Unfortunately with the timing of the account closure and without any final urgent warning we could not action the appropriate transfer and now the balance has been sent to us via a cheque in the mail which will likely take weeks to get to us.
Finally we had also accrued thousands of reward points on our credit cards which are worth many hundreds of dollars. These have now just 'gone ' as our XXXX facilities were terminated.
The most frustrating thing about this whole unfortunate affair is that we still do n't know why our account was closed. Had we failed some internal vetting procedure or simply missed a deadline?
We still just want our banking arrangements restored. That 's all we 're asking for.
I 've been in touch with a banking official at the branch where we opened the account but they are yet to come back to me with any answers or suggestions.
Due to where we live it 's not possible to meet face to face with someone to discuss so we 've had to rely on skype and email. So far we feel we 've hit a brickwall - have we been treated unfairly and do we have any grounds for at least a hearing?
We 'd like to think so.
Any advice or help you can give would be very much appreciated.
B Regards XXXX & XXXX
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| 08/30/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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TO : Consumer Financial Protection Bureau ( CFPB ) XX/XX/2022 Please immediately review and report concerning a mishandled wire transaction that was scheduled to occur on XX/XX/2022... but such " wired funds '' were never placed into my personal account until XXXX days later on XX/XX/2022. The amount involved was {$260000.00} ( plus my wire fees and all fines-fees-penalties and interest due me ) which was unjustifiably held by one or all of the guilty banking and or investment brokerage institutions listed below : Background Chronological Order : On XXXX XXXX Monday XX/XX/2022, my Primary Real Estate residence in PA closed ( Final Settlement ). XXXX XXXX XXXX, XXXX handled the settlement. " EMAIL : Thu, XX/XX/XXXX, XXXX XXXX I reviewed the XX/XX/2022, seller 's settlement papers/ fees and approved... Please make sure {$260000.00} is immediately transferred to my XXXX account... Thanks XXXX '' I instructed XXXX XXXX XXXX XXXX XXXX ) to wire funds due to me, the seller, ( {$260000.00} ) to my personal Municipal Money Market Fund ( XXXX XXXX # XXXX ) held at XXXX XXXX I gave XXXX the instructions to wire funds ( per XXXX web sites wiring instructions ) and paid additional fees to XXXX to have those funds directly wired to my XXXX account.
XXXX has assured me that their bank, XXXX Bank, wired {$260000.00} on XX/XX/2022, per instructions.
At XXXX PM Monday XX/XX/2022, XXXX XXXX, ( XXXX XXXX ) received wiring confirmations from XXXX XXXX # XXXX HSBC Bank USA that confirmed they received {$260000.00} ( from XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX On XX/XX/2022, I called XXXX and spoke to the XXXX Wire Transfer Department asking why my funds were not deposited into my Account. They did not have an answer and promised a return call. NO RETURN CALL WAS MADE.
On XX/XX/2022, a representative of XXXX XXXX XXXX XXXX XXXX joined me in a 3-way conversation with XXXX Wire Transfer Department XXXX She verbally shared with them both the XXXX and XXXX bank wire confirmation numbers. After an extensive delay, XXXX confirmed that their bank HSBC received the funds and MY PERSONAL VANGUARD ACCOUNT SHOULD RECEIVE THE FUNDS WITHIN 5 BUSINESS DAYS. I asked the reason why my funds could not be instantly wired into my personal XXXX XXXX XXXX Account plus all fines-fees-penalties and interest due me. NO ANSWER GIVEN On XX/XX/2022, I AGAIN called XXXX and spoke to the XXXX Wire Transfer Department. They informed me that the wiring instructions from XXXX XXXX XXXX were formatted incorrectly and that it will take 4 more business days to transfer the funds into my personal XXXX XXXX XXXX Account XXXX
" EMAIL : Fri, XX/XX/XXXX, XXXX XXXX My name is XXXX XXXX, and I am counsel for XXXX XXXX XXXX, XXXX. I have reviewed the wiring instructions you provided to XXXX and compared them to the outgoing instructions which were provided to XXXX XXXX. Those two sets of documents matched. Ive also confirmed the outgoing wiring instructions with XXXX XXXX to ensure they initiated the wire with the same instructions. XXXX XXXX confirmed that all of the information in the outgoing wire was exactly as set forth on the instructions you provided to XXXX. Ultimately, I appreciate your frustration, but my client has done exactly as required by the instructions they were provided, and any delay was clearly not caused by XXXX or XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX Fax- XXXX " On XX/XX/2022, I AGAIN called XXXX and spoke to the XXXX Wire Transfer Department . I asked why my funds were not deposited into my account. They initially informed me that the funds were never received by their bank. I was furious and insisted an immediate review be undertaken. After an extensive delay, XXXX Wire Transfer Department returned to the call and now confirmed that their bank ( HSBC Bank USA ) had my fundsbut the bank needs an additional 2-3 business days to transfer the funds ( including interest/dividends accrued ) into my account. I was now totally frustrated and asked the reason why my funds could not be instantly wired into my personal XXXX XXXX XXXX Account plus all fines-fees-penalties and interest due me. NO ANSWER GIVEN. Accordingly, I asked that my funds be immediately deposited into my personal XXXX XXXX XXXX Account REFUSED. I also asked for a phone call content log-summary of all the calls I have made to XXXX and the promises that have been made to me. REFUSED. I also asked to immediately speak to the Department Manager or President/CEO of VanguardI was informed that either one would call me within 24-48 hours. NO RETURN CALL WAS MADE.
Finally on XX/XX/2022 a XXXX representative, XXXX XXXX, contacted me to apologize and inform me that my funds ( {$260000.00} ) were now ( 16 DAYS after wiring transaction was initiated ) placed into my personal XXXX XXXX XXXX Account. ( WITHOUT any fines-fees-penalties and interest due me deposited into my account. ) Please immediately help me to determine the guilty party/parties and : 1. Supply to me the complete detailed information concerning the REASONS and SPECFICS for delays in my transaction ( revealed in writing ) 2 Fines/fees/assessments/interest should be levied against any/all guilty institutions ... payable to me 3 Corrective measures should be mandated so that such worrisome troubling unfair delays and horrible treatment never happen again to any American Citizen Thank-you " XXXX XXXX Cell " XXXX XXXX Email XXXX Contacts : Email XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX HSBC BANK USA, N.A XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX ( NY ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX XXXX XXXX services XXXX Background : Settlement Date : XX/XX/2022 Property Address : XXXX Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX File No./Escrow No. : XXXX Officer/Escrow XXXX : XXXX XXXX XXXX WIRE INSTRUCTIONS : Receiving Bank : XXXX XXXX # XXXX HSBC Bank USA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX For Credit to : XXXX Account XXXX, XXXX Incoming Wire Account For Further Credit to the Final Beneficiary XXXX XXXX Fund Number/Name : XXXX XXXX XXXX XXXX ( XXXX XXXX # XXXX ) XXXX Account # : ( XXXX ) XXXX digits XXXX XXXXXXXX Account Registration Details : XXXX XXXX XXXX XXXX
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| 04/02/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I have a HSBC ( online only ) checking and savings account. I have have XXXX teenage children that I'm a single parent to overseas that I support remotely by sending funds to them regularly as I live and work here in the US.
[ A fact to know about this HSBC ( called 'direct ' ) account is that there is no debit card or check book available. it is purely online and the only way you can get funds into it and out of it are through ACH transfers with other banks. So it would be normal practice to move money into/out of the account as regularly as you needed to. There is no rule or terms of use for the checking account that state there is a limit on how much you can move or how often ] I have an overseas HSBC account also, so I first sent the funds using a wire transfer from the HSBC US account to my account with HSBC overseas, this worked but the fees and commission were way too high.
I then tried another route that I'd seen online, similar to XXXX XXXX, it's called 'XX/XX/XXXXa money transfer service with very low fees vs regular banks. So then, I sent funds via ACH transfer using my HSBC account about a month ago to a domesticXX/XX/XXXX - XXXXXX/XX/XXXXXX/XX/XXXXso they could convert my XXXX dollars into the foreign currency to send to my children. This worked at least twice, then a few weeks ago I did the same transaction ( it got frozen from HSBC ) and I got a phone call from the HSBC fraud team asking me about the transaction, I told them the situation, they said that's fine I can proceed. A day later I get another call to ask me more detail. In the meantime, the money I transferred XXXX {$5100.00} XXXX was cancelled by HSBC and returned back to my account. When I called them up to ask why they had blocked my transfer they started asking me very detailed questions about where the money came from where it was going to. I was on the phone for almost 1.5 hours, I was so exhausted by the end of it. They then asked who XXXX was, I said it was a XXXX XX/XX/XXXX that did my money transfer, they couldn't grasp this concept and became highly suspicious. I suggested we call them, so we got on a three way call with XX/XX/XXXX me and HSBC, where XXXX verified yes, the account with them was indeed in my name. HSBC seemed satisfied by this bu then started asking me very detailed personal questions about my income, where the money was coming from, each payment into and out of the account for last few months, they interrogated me to a much more personal and deep level that I've ever had from any outside body, even law enforcement. They then said my accounts would be frozen with no access, my calls were recorded they would go through them in detail and they would launch an investigation into it all. They said they wouldn't give me any time frame when it would be resolved. They caused me such distress from the deep interrogation, like I was doing something illegal, criminal and the fact they would control if/when I'd have access to my funds again.
I have just tried to access the funds two weeks on and the accounts are still locked. [ The latest call was made on XX/XX/21 at XXXX ] I had to speak to the fraud team again and I was on the phone for 45 mins, with them asking me almost the same information again as before, probing into my background, questions like " where did the money come from '', " what are using it for '', " what are these other accounts where you've moved money in/out '', highly personal information which is none of their business whatsoever. They then said were awaiting documents from me before they could proceed. They did not tell even tell me this was a requirement from the first incident! They wanted proof that I owned the other bank accounts. They said they would send an email to me asking for bank statements and I said ok that's fine but as it's PII data I can only send it via a secure encrypted link/portal and the fraud team assistant said yes it was a secure link for sure, he said it twice in the phone call. I work in data privacy so I said I could only send them the statements via a secure encrypted link so my privacy was safeguarded. The email came through and it as a regular email, no additional security was offered, so he had deceived me. I had no option at all ( as I need access to those funds quickly ) but had to respond to the email with my bank statements attached and potentially risk a man-in-the-middle attack and identity fraud by sending it unencrypted, 'in the clear ' On a second note I'd like to launch a separate complaint and they should be investigated, on their poor information security handling practices and potentially compromising customer 's personal data : they should know better than this being a financial institution and adhering to XXXX, they are breaking GDPR and CCPA data privacy regulations by not offering to secure my sensitive personal data ( PII ) in response them. I am an expert in this area, this is my specialism and can testify that what they asked me do in sending my data this way would breach data privacy frameworks and regulation.
I needed those funds to help support my children overseas, pay for their food, lodging, child maintenance and school fees. By freezing my account totally for almost two weeks now XXXX and they said it could be more weeks still ) it's caused huge stress in not being able to get the funds to my children, where there is a great need.
I have been treated in a highly unfair and despicable manner. I've been made to feel like a criminal. I've never received such probing, interrogative and demeaning service from any financial institution before.
I am very upset about the whole situation with of feeling of being powerless against a major financial institution and them having my earnings frozen ( it's my money, I feel they've taken it extremely unfairly and I want what's mine back - they have absolutely no right to do this and treat me this way ). So I can't do anything with that money when it's needed as a matter of urgency for the reasons described above - my children.
I have never been in trouble with anyone before, I have never had any debts, I volunteer and do so much for others and the community around me and am a decent law abiding citizen. I feel this is a morally unacceptable behavior and a major injustice especially when in the end it's more young children that ultimately pay the price of them not getting the funds on time!
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| 05/31/2018 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower doesn't need, doesn't want or can't afford. This is exactly what XXXX XXXX XXXX XXXX ( Beneficial ) is guilty of in the case of my now deceased parents, XXXX and XXXX XXXX. CFPBs job is to protect consumers from this type of abuse when it is reported. I ask that CFPB hold Beneficial, XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, XXXX accountable for their unconscionable actions. Although too late for my parents, I hope appropriate action by the authorities will prevent thousands of other consumers from being financially destroyed by these unscrupulous and repulsive financial and servicing institutions. Background : On XX/XX/XXXX loan # XXXX was established between XXXX XXXX XXXX XXXX in the principle amount of {$32000.00}. The term of the loan was for 180 months with an astonishing high interest rate of 17.895 % ( Risk Based Pricing ). After reviewing the documentation regarding this loan provided by Beneficial, I have discovered the following unethical, or even perhaps illegal discrepancies. Discrepancy # 1 : Beneficial states, Please note that we are unable to provide the origination Appraisal for loan # XXXX ( formerly XXXX ) as it is not available. Therefore, Beneficial unethically lent money to a consumer without an appraisal for a property they were seeking a security interest in? I constitute that as predatory, or at least negligent. Discrepancy # 2 : On the Loan Repayment and Security Agreement ( Page 1 of 3 ), the property address is listed as XXXX XXXX, XXXX, NY XXXX, with the loan number being XXXX. This is neither the correct loan number nor is the property address zip code for XXXX XXXX, its XXXX. Note Beneficial states, You are giving us a security interest in the real estate located at the above address. This cant be the case, as that address does not exist. Discrepancy # 3 : The Truth-In-Lending Disclosure ( Page 1 of 2 ) contains the wrong address and loan number. Also, the Annual Percentage rate is an astonishing 19.001 % ( predatory ). Discrepancy # 4 : Loan Summary page contains the wrong property address. Discrepancy # 5 : XXXX XXXX credit report contains the wrong birthdates of both my parents. They ran a report for my father as XXXX XXXX. His name is XXXX XXXX, not XXXX XXXX and wrong birth date. They even disregarded four ( 4 ) XXXX alerts on the report. Instead of running a credit report for my mother ( co-signer ), they erroneously ran a credit report for a XXXX XXXX. The report had wrong name, wrong SS #, wrong birthdate and wrong address. Discrepancy # 5 : The Good Faith Estimate ( Page 1 of 2 ) did not disclose all charges. In all, they were charged {$1800.00} of excessive fees. Discrepancy # 6 : Title report was ran by XXXX XXXX XXXX XXXX XXXX on property with Deed dated XX/XX/XXXX, recorded XX/XX/XXXX, XXXX XXXX, Page 770. This is the legal description used in both the note and mortgage filed in XXXX County, NY. On XX/XX/XXXX loan # XXXX ( which is crossed out and replaced with XXXX ) was established between XXXX XXXX XXXX XXXX in the principle amount of {$62000.00}. The term of the loan was for 240 months with an astonishing high interest rate of 11.540 % ( Risk Based Pricing/Loan Flipping ), with the following discrepancies : Discrepancy # 1 : Loan Repayment and Security Agreement ( Page 1 of 3 ) contains the wrong property address. Again, they state, You are giving us a security interest in the real estate located at the above address. Thats impossible, because it is incorrect. Discrepancy # 2 : The Truth-In-Lending Disclosure ( Page 1 of 3 ) contains the wrong property address. Discrepancy # 3 : The Loan Summary contains the wrong property address. Discrepancy # 4 : The credit reports ran contain the wrong birthdates of my parents. XXXX alerts were discarded. Discrepancy # 5 : The Good Faith Estimate contains the wrong property address, as well as discloses misleading, repetitive and excessive fees that my parents were charged for just six months earlier. Discrepancy # 6 : The Settlement Statement contains the wrong property address and charges my parents an astonishing {$4100.00} in settlement charges. This totals a sum of {$6000.00} in charges over a six-month period. Discrepancy # 7 : Title report was ran by XXXX XXXX XXXX XXXX on property with Deed dated XX/XX/XXXX, recorded XX/XX/XXXX, XXXX XXXX, Page 770. This is the legal description used in both the note and mortgage filed in XXXX County, NY. Discrepancy # 8 : The Uniform Residential Appraisal Report does not match the legal description of the deed ran by the Title Company. Also, it only states the address as XXXX and later in the report as XXXX XXXX. XXXX. Discrepancy # 9 : The Mortgage and Consolidation Agreement attached contain the wrong property address. The zip code for XXXX is listed as XXXX. XXXX zip code is XXXX. Discrepancy # 10 : The Optional Credit Insurance Disclosure contains the wrong address. The loans listed above were then consolidated by Beneficial on XX/XX/XXXX in the sum of {$110000.00} and riddled with similar discrepancies and fraudulent behavior, which I have previously reported to no avail. After my parents passing, Beneficial fraudulently sold these deficient and unenforceable loans to XXXX XXXX XXXXt XXXX by XXXX XXXX XXXX XXXX, XXXX and transferred the serving to XXXX. XXXX and XXXX continue to try to enforce these unenforceable loans and threaten my parents estate with foreclosure. I would like to see the appropriate action taken against these institutions and for them to admit their wrongdoings and cease and desist their present actions. It is obvious Beneficial partook in predatory, unethical and fraudulent behavior and took advantage of my parents unsophisticated and uneducated financial literacy. Beneficial has the documentation I have cited, as they provided it to me. They need to be held accountable, cure the loans with XXXX and discharge the erroneous records filed in XXXX County, NY Land Records. As such, on behalf of my parents estate, I continue to dispute all alleged debt associated with XXXX account XXXX. I am fully prepared to litigate this matter should it become necessary.
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| 06/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I purchased an XXXX in XXXX with a loan from HSBC BANK XXXX XXXX Sometime in XXXX or XXXX, I paid off the loan and placed the ATV on non-op with the XXXX DMV. Recently I have fixed the XXXX and went to register it to find that I still have a lien on the title from HSBC BANK XXXX XXXX. The DMV said that I will need a lien release from HSBC BANK XXXX XXXX. Below is a summary of the times I reached out to HSBC USA ( took over HSBC BANK XXXX XXXX ) and the outcomes.
XX/XX/XXXX : Called HSBC USA and was given an email address ( XXXX ) to send details regarding my request. I sent a .jpg image of the vehicle registration to the email address and asked for them to look into the title / lien release. I was told I should have a response within 4 to 5 days.
XX/XX/XXXX : Follow up email sent asking for an update.
XX/XX/XXXX : Called HSBC again to follow up and was given a timeframe for response of 7 to 10 days, which has elapsed as well.
XX/XX/XXXX : First response from XXXX ( XXXX XXXX XXXX ) saying they could not open the attachment and to send them : Registered owners name, Year, Make and model, VIN and Requestor name and Mailing address to send the lien release to. I responded with all the requested information that day.
XX/XX/XXXX : Email from XXXX ( no person named ) asking for Registered owners name, Year, Make and model, VIN and Requestor name and Mailing address to send the lien release to ( again ). The reply had the original picture of the registration in the body of the email, which has all of the requested information as well. I replied back that day saying this is the 3rd time I am now sending them the information but again, give them all of the details they are requesting.
XX/XX/XXXX : Email from XXXX ( XXXX XXXX ) asking for Registered owners name, Year, Make and model, VIN and Requestor name and Mailing address to send the lien release to ( again ). I reply that day stating this is now the 4th time sending the information but yet again, send the details in the body of the email. I get a response from XXXX XXXX XXXX stating : " We are sorting all No interest letter request from XX/XX/XXXX to XX/XX/XXXX. If you send multiple request during this period. Youll be receiving responses for all the emails you send especially if details provided are not complete. '' This email showed all of the details I had sent them early in the day with all of the information they were requesting ( Registered owners name, Year, Make and model, VIN and Requestor name and Mailing address ). I replied with " I am not sure what that all means but can you now confirm you have all of the details you need? As I mentioned, I have sent all of the information 4 times now. I did not reach out till XX/XX/XXXX originally with this information, then again on XX/XX/XXXX, followed by the same request on XX/XX/XXXX and yet again this morning. '' XX/XX/XXXX : I called HSBC USA to follow up on this matter. I was on the phone with them for an hour and ended up talking to a virtual assistant in another country who was chatting with XXXX XXXX XXXX about all of the emails she or no one else had looked at where I provided all of the requested information. XXXX then replies to my email with " I have responded to the representative you speak with last time. Please see attached email and request. '' Although, nothing was attached to the email. After speaking to a manger of the call center, we finally got XXXX to figure out how to attach a letter to an email ( attached ). I took the letter to the DMV and was told it will work if it is notarized and an original is submitted.
XX/XX/XXXX : Sent email to XXXX stating that the DMV needs a notarized document and that the year of the vehicle was wrong ( XXXX instead of XXXX ). I received a reply from XXXX XXXX XXXX stating " Our No interest letter does not require signature or notarization. '' I took this to the DMV and was given form REG 166 and told that HSBC will need to fill out, notarize and send me the original document. I pre-filled out REG 166 with my information and the vehicle information and sent it to XXXX. 2 hours later, I receive an email from XXXX ( XXXX XXXX ) stating : " HSBC is required by law to retain account records for 7-years. I understand your concerns were addressed with our Customer Service team on XX/XX/XXXX. Enclosed is a copy of the letter sent to you on XX/XX/XXXX in response to your request for a lien release. Im sorry for any inconvenience you may have experienced. Since there is no record of bank error, we respectfully decline your request for compensation. '' I replied : " My concerns have not been addressed and I am not sure exactly what prompted your email as I sent the below message to your titles team 2 hours ago. No letter was sent to me on XX/XX/XXXX, rather this letter was pre-dated, the titles team doesnt know how to attach a file to an email or you have the wrong information. It is my understanding that HSBC US and HSBC BANK XXXX XXXX are one of the same origination at this point and HSBC BANK XXXX XXXX is still a lien holder on my title. I continue to be talked to and sent messages that are only circular arguments that make no sense. The DMV will only accept a notarized document ; your no interest letter may not require notarization but the DMV has their own, which coincidently, needs to be notarized. Please see attached for REG 166 ( that I have pre-filed with the correct vehicle information ), fill out section 3 on behalf of HSBC BK XXXX XXXX have the form notarized and mail me the original. If you can not view the pdf attachment, you can find the form here : XXXX XXXX XXXX '' I am getting nowhere with this and need someone above HSBC and their internal teams to get a resolution here. At this point I feel that HSBC is abusing their power over the situation to the point of harassment ( a behavior which is intended to trouble or annoy someone, for example repeated attacks on them or attempts to cause them problems ) and insanity ( doing the same thing over and over and expecting different results ). Along with all of the email exchanges, I have had multiple phone calls ( that all went nowhere ) and made multiple trips to the DMV to try to get this taken care of. I am not sure what else I can do as XXXX DMV is requiring a notarized document and HSBC is refusing to release the title or notarize the document.
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| 01/25/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
Older American |
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XXXX XXXX ( Owner and Servicer ) and I had a HELOC agreement on XX/XX/XXXX. HSBC USA Bank, HSBC Holding PLC, which owns XXXX XXXXXXXX, was found guilty laundering XXXX XXXX and other financial crimes. The DOJ DC signed an Adjudication Agreement with them for Money Laundering and Other Financial Crimes with a {$1.00} XXXX in fines, dated XX/XX/XXXX. On XX/XX/XXXX, I sent my last payment and invoked my XXXX XXXX XXXX to protect my home from sale or seizure. HSBC USA could not profit from a convicted crime. HSBC USA closed all their Mortgage Service Division by XX/XX/XXXX, per the XXXX XXXXXXXX Report.
HSBC entered into a Consent Judgment Agreement ( XXXX ) for their customers who were threaten with acceleration foreclosure during that period if litigation. I was threatened with Acceleration for Foreclosure but did not receive a notice to file a claim since my HELOC was fraudulently recorded with the Property Clerk of XXXX XXXX Texas to be owned by XXXX XXXX Participation Trust ( which is an entity not registered with Texas XXXX ) and XXXX XXXX XXXX XXXX XXXX, the Servicer in XX/XX/XXXX. I believe HSBC sent the notice to XXXX XXXX XXXX XXXX XXXX XXXX
HSBC sent out electronic letters on my HELOC account # XXXX stating the transfer to XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX. However, those letters were a part of a Class Action Lawsuit Against XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. as Trustee for XXXX XXXX XXXX XXXX, etc. in XXXX. They violated the FDCPA, FCRA, TILA, RESPA rules for transfer, assignment, purchase of a trust/securities/mortgages. In the State of Texas, XXXX XXXX XXXX XXXX is not registered to do business and initiate litigation. Therefore, XXXX XXXX does not own my property. I am a Protected Member of that XXXX. I was protected from any litigation toward my property.
XX/XX/XXXX, Securities Instrument # XXXX was filed with the Property Clerk stating that XXXX XXXXXXXX was the Owner and XXXX was their Servicer had transferred/assigned my property to XXXX XXXX XXXX XXXX ( Owner ) and XXXX XXXX XXXXXXXX XXXX XXXX ( Servicer ). There was a break in the filing of securities instrument because XXXX XXXXXXXX did not file a security instrument changing the servicer to XXXX XXXX XXXX XXXX XXXX XXXX EVER! I never received correspondence from XXXX XXXXXXXX notifying me that they were no longer the Servicer of the HELOC. I sent a QWR to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and with ever notice of transfer. XXXX XXXX did not respond to the Qualified Written Request to send a copy of the contract and/or Trust Agreement Page between XXXX XXXX and XXXX XXXX XXXX XXXX They did not respond to the included request for fiduciary accuracy. Since XXXX XXXX XXXX XXXX did not have an address, only a c/o XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX did not respond for XXXX XXXX I refused to accept that I had a contract with XXXX MPT. XXXX continued to harass me with collection letter and phone calls. for months. XXXX would never send a contract proving that a legal transfer existed. XXXX XXXX did not own the debt ; it couldn't because it is not a registered entity in Texas. FDCPA prevents the harassment I suffered for years when XXXX XXXX continued to lie that a contract existed with XXXX to be their Servicer when they could not do business in Texas. They had no contract and could not own the debt.
XXXX XXXXXXXX would not return my phone calls for proof a sell to XXXX XXXX XXXX XXXX in XXXX, XXXX, XXXX, XXXX, XXXX. On XX/XX/XXXX, XXXX XXXX XXXX " On Behalf of HSBC US MTG Servicing Oversight '' sent an email at XXXXXXXX XXXX, with an account ledger detail displayed a Balance of {$0.00} as of XX/XX/XXXX. I requested more detail of the accounting and if the property was assigned. I received no answers to all of my emails to HSBC XXXX XXXX, HSBC US MTG LIT, and XXXX XXXX. I have a copy of a letter from Attorney XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 's Debt Attorney which stated " Our file was closed on XX/XX/XXXX, due to the payoff of the loan. Please contact XXXX XXXX XXXX XXXX XXXX directly at ( XXXX ) XXXX for any additional information ''. I also have a XX/XX/XXXX statement from the XXXX Website Accounting Department which states the loan balance was XXXX.
XXXX XXXXXXXX did not respond and allowed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to knowingly file a frivolous lawsuit against me for a debt I did not owe in XX/XX/XXXX. In XX/XX/XXXX, a federal court awarded my property to XXXX XXXX XXXX XXXX XXXX XXXX There were many improprieties in the juridical administration of the case. XXXX has no record of being the owner of my contract with the property clerk.
I believe XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXXHSBC USA are part of a XXXX in which they conspired to defraud me of my legally protected homestead property with hundreds of thousands to launder money into the XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Registered with the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX was Global Head of Real Estate for HSBC since XXXX. He retired in XXXX. HSBC USA closed their Mortgage Services Department by the end of XX/XX/XXXX. XXXX XXXX became a member of XXXXXXXX XXXX XXXX in XXXX. I believe with his, XXXX, assistance/connection, XXXX and HSBC were XXXX to become predators to defraud XXXX XXXX Mortgage/HELOC Customers of their legally protected homestead property when they withheld vital QWR information proving the transfers were not legal and filing fraudulent securities with the Property Clerk and a frivolous lawsuit. XXXX XXXX and/or HSBC USA should have sent a " Release of Lien '' and a check to XXXX XXXX XXXX XXXX, it was sent to XXXX XXXX XXXX, in XXXXXXXX XXXX XXXX did not respond to any inquiries because providing those records would be evidence that a conspiracy and fraud existed by those parties. XXXX XXXXXXXX did not invoke the XXXX XXXX XXXX # XXXX which I included in the XX/XX/XXXX payment letter. It should have been invoked for all of XXXX XXXX Mortgage Customers.
Corporations are withholding required documents in order to defraud Homeowners of their property. The QWR must be enforced. Corporations lie to the Court with hearsay testimony and do not provide contracts of assignments and fiduciary accuracy.
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| 05/20/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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XXXX individuals jointly hold XXXX XXXX ( Checking & Savings ), and XXXX accounts at HSBC Bank USA, located at : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX FL, XXXX. The accounts holders all reside outside of the US.
The writer and complainant, was appointed by each of the XXXX accounts holders to be the Power of Attorney ( POA ) for all accounts in XX/XX/XXXX. ( Documents attached herein ) On XX/XX/XXXX, XXXX the aforementioned accounts holders, passed away.
On XX/XX/XXXX, a copy of the deceaseds Death Certificate was submitted via email to HSBC by way of its representative, who acknowledged receipt of such.
Consequent email communications from the above agent as well as others ( copy of emails attached herein ) indicated to the writer that in light of XXXX of the accounts holders death, all associated accounts were required to be closed, and new ones could be opened in the names of the surviving accounts holders if they wished to do so.
Based on knowledge about the surviving accounts holders wishes to maintain the existing accounts rather than closing them, the writer communicated such intent to the HSBC representatives. HSBC representatives responded indicating that closing the accounts was mandatory.
The writer inquired about the reasons for the mandatory nature of closing the accounts, and further requested that HSBC supply specific language of any current Federal or State Law, which mandates such, and/or a copy of HSBC Policies pointing to internal Bank regulations to that effect.
Between the times that HSBC Bank USA were supplied with the death Certificate, and our latest inquiry ( paragraph immediately above ), almost two months had elapsed, with multiple emails and a couple of phone communications.
On XX/XX/XXXX, XXXX representatives reached out via email, requesting a phone call between either the writer or XXXX of the accounts holders, and an HSBC supervisor XXXX The writer scheduled a phone call for later that afternoon.
During the phone call on XX/XX/XXXX HSBC supervisor indicated that upon consultation with their Legal Department, they had learned that the surviving accounts holders were not mandated to close the accounts, rather, the Bank merely recommended they did so.
XXXX also indicated that procedurally ( but not legally ) HSBC could not remove the name of the deceased from the accounts, and no other individual could become an account holder instead, because HSBC establishes a maximum of XXXX account holders in total.
The writer requested that this supervisor provided the writer with that information in writing, and he stated that -although he could not do so on Bank XXXX XXXX he would write this finding via email. An email to such effect followed ( copy attached ).
On XX/XX/XXXX, -after consultation with the accounts holders, the writer followed up via email with all the HSBC representatives involved thus far, requesting blank copies of HSBC USA Pay on Death ( POA ) and Transfer on Death ( TOA ) official Forms.
The same HSBC supervisor sent an email requesting a phone call to discuss this matter, which the writer declined due to her busy work schedule and other imminent time constraints. The writer suggested that the representatives present any questions or concerns regarding her request via email instead, to which Supervisor responded by inquiring the intent of the request for the POA and TOA Forms.
HSBC representatives were informed via email that the surviving account holders had decided to retain the existing accounts, and that they further determined they would name Beneficiaries to the accounts, thus the need for the pertinent forms.
HSBC representatives responded that this would not be possible given that all three account holders would have to sign on the Beneficiary forms, and given that XXXX of them is deceased, all required signatures could not be fully attained.
The writer responded that because the accounts had been opened and maintained as Joint accounts, the surviving account holders have full survivorship rights to management and disposition of the accounts. The writer further requested that in the interest of time and accuracy- HSBC representatives consult with their Legal department on this matter, and report back to the account holders and this writer accordingly.
On XX/XX/XXXX, XXXX account representative of HSBC called XXXX of the account holders to clarify and confirm the above account holders request. Consequently, XXXX XXXX representative sent an email to the aforementioned account holder, to request a copy of the deceaseds Death Certificate which had previously been provided to XXXX deposit acct representative by this writer on XX/XX/XXXX. Nonetheless, the account holder submitted an additional copy of such Death Certificate to the requester, and its receipt was acknowledged.
That was the last communication from HSBC Bank USA.
The writer and the surviving account holders contend that for reasons unknown- HSBC Bank USA is stalling any action or disposition that the account holders wish to exercise in regards to the accounts, thus unjustifiably impeding and delaying financial decisions with which the surviving account holders wish to proceed.
The writer and the surviving account holders contend that any internal Bank procedural rules and/or regulations do not supersede any Federal, State, or local laws.
The writer and the surviving account holders also contend that by preventing the surviving account holders from naming PODs and/or TODs per their own determination, HSBC Bank USA is violating Florida General Statute 655.79 which follows below : Florida General Statutes -Financial Institutions " 655.79Deposits and accounts in two or more names ; presumption as to vesting on death.
( 1 ) Unless otherwise expressly provided in a contract, agreement, or signature card executed in connection with the opening or maintenance of an account, including a certificate of deposit, a deposit account in the names of two or more persons shall be presumed to have been intended by such persons to provide that, upon the death of any one of them, all rights, title, interest, and claim in, to, and in respect of such deposit account, less all proper setoffs and charges in favor of the institution, vest in the surviving person or persons. ''
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| 01/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/XXXX, my identity was stolen and used to fraudulently open various accounts. I was alerted to this when I was mailed a XXXX debit card for an account I never opened. After quickly reporting the fraud on XX/XX/XXXX and XX/XX/XXXX and alerting the credit bureaus and filing an FTC report, I began pulling my credit history to check on other possible fraud attempts.
Another fraud account with XXXX appeared ; the thief attempted to acquire a loan in my name, which resulted in a hard inquiry with XXXX after the thief failed to acquire a business loan. XXXX other inquires ( HSBC and XXXX XXXX - these appear as soft inquiries ) also appear on my credit history with XXXX. This is after submitting XXXX disputes with XXXX as well as submitting to them a detailed report of widespread attempts at fraud in my name, and an FTC ID theft report and police report ID being provided.
605B of the Fair Credit Reporting Act, which requires XXXX and businesses to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information, is being disregarded out of what is seemingly XXXX refusing to investigate the situation with proper diligence. XXXX of my disputes was rejected within what wasn't even a day 's time, leading me to believe their company is not taking this fraud seriously. Companies involved in the dispute have been contacted with a letter from the XXXX XXXX XXXX requesting compliance, and details regarding that process are on record. In spite of this, XXXX will not remove the fraudulent inquiries- this is also in spite of the inquiries appearing as completely different cities/states that have no bearing on any of my past residences or business endeavours. All of the proof and compliance I have provided appears to still not be enough for XXXX to fairly and appropriately comply with section 605B and remove the attempts at fraud.
XXXX, XXXX and XXXX have all been provided a copy of the FTC fraud report, police report ID and accompanying details of the fraud occurring in various states and cities by the individual. The particular incident I am reporting is XXXX for not complying with the requested removal of the hard inquiry which was done via fraud on XX/XX/XXXX in addition to the less impactful but still fraudulent soft inquiries listed above. I have been punctual and timely with all information requested, and continue to contact the agencies which were complicit in running my credit without my permission for further compliance with the authorities.
Letters to businesses involved in the ID theft were mailed out the first week of XXXX as a follow-up, since the inquiries in question were largely still appearing- this is also when I filed a formal police report and an investigation was launched to assist in closing down the fraud accounts and resolving inaccurate reporting done on part of the credit bureaus where fraud had occurred.
In spite of all of this and my detailed record keeping, XXXX has rejected all attempts at removing these false inquiries- this is also as other agencies like XXXX have actually complied and done their due diligence to ensure their reports are correct. It's a shame that XXXX would want improper data and fraud in their records. The fact that another bureau has taken this seriously displays negligence of reporting on the part of XXXX ; it's not a matter of " if '' they can remove the fraud from my record, but rather that they just seem not to want to.
It literally appears someone is just auto-rejecting my request at this point in spite of the information supporting the claims above being provided and the XXXX XXXX of effort I'm making to investigate the matter.
At this time, nearly a month has passed with no resolution, and in the most recent dispute rejection, a note from XXXX was included stating " [ c ] onsumer 's dispute not specific, '' in spite of my request being as specific as possible. I'm concerned at this point that my submissions are being thrown out without consideration at this point, maliciously.
In particular, this complaint is with XXXX, who has an obligation under section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. The agency is well past that deadline and is not in compliance with section 605B, in spite of being provided a detailed FTC ID theft report and more.
Simply put, what more information can I provide to XXXX to prove that I don't live in XXXX different states and XXXX different cities pulling my credit at several different locations all in the same day? What more can I do to get the businesses who illegally ran my credit to comply, beyond what I've already done via getting police involved? Unless XXXX believes that I have somehow acquired the ability to clone myself and run my credit that fast, it appears they are being outright negligent with any consideration towards the details of my continued complaints with their reporting. It's insulting to read each dispute rejection that has come through, with their results finding that the information is " factual and accurate. '' XXXX XXXX XXXX and HSBC all have to bear responsibility for the error they've made in allowing the ID thief to run my credit for attempts at business, and XXXX in XXXX is owed specific scrutiny for not taking the continued provision of materials and proof seriously. It's as if I am trying to gather a bunch of children together to submit their homework assignments on time, and none of them are making it easy. How am I supposed to do anything more when I'm working with companies that allow ID thieves to apply for loans in my name, and credit bureaus that whimsically trust those businesses in spite of an ongoing police investigation? Does everyone in this situation have blinders on? Hopefully this complaint will motivate each agency to take my personal information more seriously. I will name each agency above in the formal submission of this complaint to further ensure they too comply with the FTC and CFPB.
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| 02/23/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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( TL ; DR at bottom ) In XX/XX/XXXX, I decided to open a Premier Checking account with HSBC. One of the reasons I decided to switch to HSBC was a {$470.00} dollar promotional deposit that the company was offering at the time.
I heard of the promotion on the following website link ( this link still reflects the company 's promotions for the month of XX/XX/XXXX ) : XXXX XXXX XXXX # PremierCheckingWelcome The details of the offer were described accordingly : " '' '' '' Minimum deposit to qualify : {$0.00} Expiration date : XX/XX/XXXX How to get it : Open a new HSBC Premier checking account by XX/XX/XXXX. Next, make monthly direct deposits totaling at least {$5000.00} from a third party for three straight months from the second full calendar month after opening the account.
When youll get it : About eight weeks after completing all qualifying activities Terms and conditions : This offer is only available to new HSBC Premier checking customers, and all applications must be completed online.
Monthly fees : {$50.00}, but can be waived if balance requirements are met Promotion page : HSBC Premier Checking Welcome Deposit " '' '' '' The final line included a hyperlink to HSBC 's promotional website for this offer. The company has continued to use this url for its promotional offers : XXXX XXXX XXXX XXXX XXXXXXXX I navigated to the HSBC promotional page in a separate tab to confirm that the offer was legitimate. Using HSBC 's own webpage listed above, I chose the Premier Checking promotion offering {$470.00} dollars as a promotional or " welcome '' deposit. I read the terms and conditions of the offer to make sure I qualified for the welcome deposit.
I applied on XX/XX/XXXX, and my account was opened on XX/XX/XXXX.
The main criteria to receive the welcome deposit was to " make recurring monthly Qualifying Direct Deposit totaling at least {$5000.00} from a third party to your HSBC Premier checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. '' I achieved the required Direct Deposit amount starting in XX/XX/XXXX. Under the language of the agreement, I became eligible for the welcome deposit by the end of the XXXX. Following the offer language that I would receive the deposit " six to eight weeks after meeting the conditions '', I expected the {$470.00} by XXXX. I made one or two calls to HSBC Premier customer service in late XXXX to confirm that the money was incoming. Both times, I was told that I had definitely met the requisite conditions to receive the welcome deposit, that the money was simply delayed due to the holiday season, and that I would receive the deposit in the first week of XXXX.
In early XXXX, I still hadn't received the deposit, so I called XXXX XXXX customer service again. They opened a query on my account and told me to expect a resolution within a week. I was told I would receive a call back to confirm my complaint within 5 business days. After about 10 days, I emailed HSBC from their website for an update on my query. I received the following message back on XX/XX/XXXX : " Thank you for contacting HSBC Bank USA, N.A.
We have received your follow up BankMail inquiry with regard to the status on bonus offer.
Your account was reviewed by our Campaigns and Promotions Department and found that your account application was not submitted via required campaign/Marketing Landing Page. As such, we regret to inform you that your account is not eligible to avail the bonus.
If you have any further questions or concerns, please do not hesitate to contact us. '' I was confused and upset when I received this response. For one, this statement was in contradiction to earlier representations made by HSBC customer associates. Second, the message did not indicate what evidence HSBC had to come to this conclusion, and did not provide any evidence or further explanation. If the promo page I had used wasn't the right one, what was the right page?
I called HSBC Premier customer service the following day. The customer service rep assigned to my query was XXXX ( phonetic spelling ). I explained my confusion and disagreement with HSBC 's written message. At the end of my call, XXXX told me that she would escalate my complaint and that I would receive a resolution within 5 days. She also promised she would call me back as soon as my query had been resolved.
Another 10 days passed. No resolution. No further communication from HSBC.
I called several times in early XXXX for updates. At this point, I was working with a customer service rep named XXXX or XXXX. Each time I called, she told me that her records indicated that the escalated query was still under investigation. This continued for about 2 weeks.
On or about XX/XX/XXXX, I called again for an update. XXXX/XXXX offered to personally forward my complaint to a " relation manager '' for resolution. She assured me that the relation manager would call me within 2 business days. She also indicated that other HSBC customers were trying to get their welcome deposit, and that I was " definitely not the only one '' having this problem.
2 days passed. No contact from HSBC.
On XX/XX/XXXX, I once again called XXXX and had a nearly identical conversation to the one around XX/XX/XXXX. She said she had re-emailed both her managers about my complaint, that she couldn't do anything more. She once again said a relation manager would reach out to me.
To date, I have still not heard from HSBC.
TL ; DR : I opened an HSBC checking account and qualified for a special welcome deposit of {$470.00}. After first telling me that I was going to receive the deposit, HSBC claimed I didn't meet the requirements for a promotional welcome deposit. They refuse to provide any evidence or explanation as to how they came to that conclusion. They have also promised multiple times that I will receive a call from a " relation manager '' to resolve my complaint, but nothing has happened. I have tried for two months to resolve this problem, but have been constantly frustrated by HSBC 's non-existent communication and refusal to address my claim.
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| 03/12/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Deposits or withdrawals
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Web |
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RE : Follow-up Complaint against HSBC and branch manager, XXXX XXXX HSBC branch address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear CFPB Supervisor : Since I filed my complaint against HSBC bank last month, I am now experiencing harassing and vicious retaliatory actions directed at me by HSBC, led by its branch manager XXXX XXXX.
I was shocked when HSBC threatened to " close ( my ) account '' and demanded that I provide a " utility bill '' as proof of my address last Friday, ( XX/XX/XXXX ). I told them I did not have such documentation because I live with a partner, and never paid utility.
HSBC reiterated again today they would NOT accept any other proof -- except for the exact, precise form they knew I did not have : a utility bill.
I cooperated with HSBC by offering to provide them with a variety of options, such as : updated DMV registration ; IRS records ; pay stub ; and other business documents that have customarily been accepted for proof. I even offered an affidavit from my partner -- but to no avail.
I have spent countless hours contacting HSBC everyday for " secondary proof '' options. But the local HSBC manager refused to answer. ( Email to XXXX, Friday at XXXX XXXX ). I have also asked ; but was not allowed to speak with the HSBC manager who demanded this unreasonable " proof '' requirement.
After two months with this bank, HSBC suddenly wanted to close my accounts. This decision " coincidentally '' came after I filed a complaint with CFPB about HSBC 's unprofessional and unethical practices.
It is clear that the REAL reason for HSBC shutting me down is so that they could ignore and dismiss the bad acts and grievances I have submitted to the CFPB about them.
Once I am a " Non-customer '' -- my complaints would be ' '' moot points '' and HSBC would no longer need to address their egregious conduct. Even worse, HSBC might try to falsely portray me as a " bad customer '' to undercut my complaint.
For the record, I am a XXXX XXXX with a sterling work and high-score credit history. I have never had any civil/criminal violations. I work hard ; and pay my taxes. There is no reason for HSBC to single me out for a specific " utility bill '' -- except to cruelly harass and punish me in retaliation for speaking out.
I originally came to HSBC because of a special program they offered : a {$370.00} bonus plus {$100.00} referral to open a checking/savings account. I deposited {$10000.00} usd. I also opened a {$100000.00} certificate of deposit ( CD ) for one year, earning 2.5 % monthly interest.
I would lose the bonuses and one-year CD interest accrued, totaling approximately {$3400.00}, if HSBC is allowed to deceitfully " close my account. '' This is flagrant customer abuse at its worse -- and it must be stopped.
In my lifetime of banking, I have never felt so deliberately mistreated and retaliated against, as I have experienced at HSBC. I also have accounts with XXXX for over a decade, where I am a Platinum member ( top tier ) ; and other big-name banks. No bank has ever created issues and demanded " proof, '' as HSBC has done with me.
I am appalled and exhausted by HSBC 's deplorable conduct to " punish '' and silence me. I would be happy to voluntarily close all my accounts, provided that HSBC compensates me for the applicable bonus and 2.5 % accrued interest I would receive, if I had stayed.
I urge the CFPB to assist me in resolving this matter as follows : 1 ). Request HSBC to immediately stop their harassment and abusive tactics.
2 ). See offer above : I would close all accounts immediately with the bonus and one-year interests provided to me.
XXXX ). If HSBC insists on singling me out and demanding " proof '' -- there need to be reasonable options for " proof '' and reasonable time allotted to answer their demands.
I look forward to hearing from you and bringing a fair resolution.
Please contact me with any questions.
Below is a timeline of latest HSBC incident here : WEDNESDAY, XX/XX/XXXX at about XXXX XXXX- Called HSBC Customer Service to request a ( another ) error be removed from my account. Spoke with XXXX. She said she would notify the local bank manager to correct.
FRIDAY, XX/XX/XXXX at XXXX XXXX- Received a voice message from XXXX XXXX XXXX at XXXX XXXX HSBC branch .
She said I must contact her and that HSBC " will close your account. '' FRIDAY, at XXXX XXXX- Alarmed and confused, I contacted Ms. XXXX . She requested a utility bill.
Informed her I do not have a " utility bill, '' but could provide others.
She said she would check. Never heard back from her.
FRIDAY, at about XXXX XXXX- ( Total call time : 54 minutes ) Called HSBC Customer Service to inquire. Spoke with XXXX.
Asked about other documentations I could provide.
XXXX contact Ms. XXXX at the branch while I was on hold on the phone.
XXXX said Ms. XXXX told her a DMV registration may work.
XXXX suggested that I email the local manager to confirm.
FRIDAY, at XXXX XXXX- Sent mail to Ms. XXXX .
Asked her if I could submit DMV registration? Never heard back from her.
SATURDAY, XX/XX/XXXX, at XXXX XXXX Waited all day, hoping to hear from HSBC local branch ; Never heard back.
Called HSBC Customer Service to inquire about other documentations to provide.
Spoke with XXXX, operator ID # XXXX.
She said will check with the " back office '' and call me Monday.
MONDAY, XX/XX/XXXX at XXXX XXXX XXXX called and asked if local branch manager contacted me yet?
I told her I never heard back. XXXX said will speak with Ms. XXXX.
I asked XXXX to check for alternative documentations?
She said will check and call me later.
MONDAY, at XXXX XXXX- XXXX said HSBC 's " back office '' would only accept a " utility bill. '' I asked to speak with someone from this " back office. '' XXXX said she was not allowed to let me speak with the " back office. '' I asked XXXX again for second form of " proof. '' XXXX said she would check.
Monday, at XXXX XXXX- XXXX told me she had emailed and reminded the branch manager to contact me.
Asked XXXX to call me back after she speaks with Ms. XXXX.
Never heard back from anyone.
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| 06/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Dear CFPB, This is a complaint against HSBC Mortgage. Please allow me to provide some background. As you know, HSBC has been fined and sanctioned on numerous occasions for its fraudulent practices. As an example, there is a XX/XX/XXXX Consent Decree ( XXXX ) in which HSBC admitted, among other things, that : I- ( 2 ) - ( f ) it failed to sufficiently oversee outside counsel and other third-party providers ... I- ( 3 ) By reason of the conduct ..., the Bank engaged in unsafe or unsound banking practices HSBC was ordered to and HSBC accepted to : a- An Action Plan, for " effective mortgage servicing ... compliance, quality control, audit, training, staffing, and related functions .... '' b- " Develop and implement an adequate infrastructure to support existing and/or future Loss Mitigation ... and ensure compliance with the Order '' c- " Develop organizational structure, managerial resources, and staffing to support existing and/or future Loss Mitigation ... '' d- " Adequacy of staffing levels ... e- " Agree to deadlines to review loan modification documentation, make loan modification decisions, and provide responses to borrowers f- " To ensure compliance with all applicable federal and state laws ... including those with the Federal Housing Administration and those required by the Home Affordable Modification Program ( HAMP ) ... '' I am one of those that was harmed by HSBC and is continued to be harmed by HSBC as describe below. As I demonstrate below, HSBC continues to violate the terms of its agreements with the regulators, including the above Consent Decree Order and others still in force. Let me elaborate. ( 1 ) I obtained a mortgage from HSBC in XX/XX/XXXX. Because of what I had read in the media about mortgages, I asked and HSBC assured me that the loan was a government-backed mortgage. Later, faced with an on-going hardship, I tried to use the HARP program but learned that despite HSBC assertions, the loan was a private loan hold presumably by HSBC itself, and was ineligible for HAMP. On numerous occasions I have asked HSBC to investigate this, compute and compensate me for the damages ( estimated to be about $ 100k ). HSBC has failed to comply with the enumerated terms of the Consent Decree ( XXXX ) above, and to address the switching of my loan type. I ask that HSBC investigate, respond, and make me whole without delays. ( 2 ) Unable to use HAMP, I attempted to refinance but HSBC refused. I attempted loan modification but HSBC twice rejected it because of its XXXX processor mistakes! After months of foot dragging, HSBC admitted its mistakes, promised a loan modification, but failed to provide the information I requested. HSBC has failed to comply with the enumerated terms of the Consent Decree ( XXXX ) above. I am asking HSBC to provide me with the breakdown of the amounts it used to compute my income and expense to evaluate my eligibility for loan modification. ( 3 ) I have requested HSBC to provide me with the general eligibility CRITERIA it uses for loan modifications ( the income / expense ratio range, loan to income rations, etc. ) HSBC so far has not responded. The servicer says the investor has that criteria, yet the investor is HSBC itself, and HSBC refuses to communicate with me hiding behind its incompetent servicer XXXX. These are just the kind of behavior HSBC agreed to curtail per the Consent Decree ( XXXX ) above. I am asking HSBC to inform me of the identity and contact information including phone and email for the real 'investor ' holding my Note, and also obtain and provide me the general eligibility CRITERIA used for loan modifications in general and mine in particular. ( 4 ) HSBC has now admitted to its mistake in rejecting my application twice, and claims it has performed a corrected review resulting in a loan modification offer for me. HSBC wants me to complete a trial period and then receive a permanent loan modification offer the terms of which are undisclosed. I have in principle agreed and so advised the HSBC asking how can I agree to go through a trial period for a plan whose terms are hidden from me? I have asked but the HSBC Case Manager refuses to provide me with the relevant documents. Not providing this information is conducting business in bad faith contrary to the terms of the Consent Decree ( XXXX ) above. I am requesting that HSBC provide me without delay a copy of the agreements / documents I would have to sign for the permanent " loan modification offer. ( 5 ) HSBC 's offer stipulates that I go through a three month trial period during which it will test my ability to pay the new monthly payment. YET, this new monthly payment is LOWER that what I have been paying for the past several years. This begs the question of what is the purpose of this trial period other than a delay tactic to inflict unwarranted anguish and harassment of the consumer. I ask HSBC to review and withdraw the irrelevant and unjustifiable trial period for my loan modification, and I request CFPB to review this and similar cases. ( 5 ) HSBC has sent me a letter stating that the loan modification will severely affect one 's consumer credit rating specially if the consumer is current on loan payments and has good credit!!! In other words, HSBC threatens decent people with hardship that it will deliberately report derogatory information on them to the credit agencies to damage their credit. I ask that HSBC abandon this vengeful practice of damaging the credit of good customers seeking loan modification, and conduct business in good faith with customers in good standing who, unlike HSBC, have honored their commitments. In summary, I have listed what I need from HSBC. I have also provided CFPB with one among many examples proving that HSBC has not complied with the terms of its agreements with the regulators, that it continues to violate the law, and that there is credible cause for action against HSBC by CFPB consistent with its mandate as a taxpayer supported US government agency created to make sure that lenders treat you fairly ( CFPBs motto ).
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| 07/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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Web |
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Dear Sir or Madam, 1. HSBC BANK : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 DAYS Late on this account in XXXX and XX/XX/2020, I immediately disputed this information with HSBC BANK and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account.
I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666.
Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a.
Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Because I take my credit very seriously, I contacted every name and account that was listed on the report.
I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to XXXX those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ).
We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it.
I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ).
I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
Thank you for your time, XXXX XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/19/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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A few month ago I opened 2 business checking accounts at HSBC. At the time of opening I was asking specific details on what what business does & sources of income. I explain I do XXXX XXXX and my main ( although not all ) source of income will be from XXXX collected. I then made it very clear to XXXX my Relation Manager that since the state pays via XXXX for the XXXX of my XXXX, I will have to submit a form to the state that going forwards they should deposit the funds into this new account which I opened at HSBC, I then reiterated to my relationship manager XXXX that since were currently in the midst of a Pandemic it can take up to 90 days for the state to process my request to change bank accounts, therefore he shouldnt wonder if/that there wont be much activity for the first 90 days. Approx 3-4 weeks after my 2 accounts were opened I deposited in each account a {$500.00} check which came from my personal account I have st XXXX XXXX. Them until approx a week ago I believe there was no activity. Then approx a week ago I owed someone {$100.00} so ( because HSBC offered me the ability to send wire transfers for free ) I wired that person {$100.00}. Following that I deposited a {$19000.00} check which came from my current places that Im banking at, which is XXXX XXXX XXXX XXXX, and in the check I wrote Transfer, I basically began slowly moving over my funds from XXXX XXXX XXXX to HSBC, that same day I also deposited another check for {$800.00} which was given to me by my mother ( her business ). Then 2-3 days later I deposited another check from XXXX XXXX XXXX for {$18000.00} & again wrote on the check transfer, and the same day I also got a {$2000.00} check from a company I do business with, so I deposited that in HSBC. This is exactly so deposits made into my HSBC account from when it was opened. Then on XX/XX/XXXX, I got a margin call from my Brokerage Firm XXXX and I had to come up with {$20000.00} immediate to cover the margin call. Now Id like to note that we can all agree that theres absolutely nothing wrong not illegal for a business owner to take out money from his own business account for personal use. In fact if a business owner is not allowed by law to withdraw funds or profit from his business, then we can all agree that nobody on this world would own a business. Back to my Margin call. The fact is, and youre very welcome to verify it, that XXXX XXXX XXXX XXXX dont have the ability to send wire transfers. Do being that I did have this capability at HSBC and being that theres absolutely nothing illegal for a business owner to withdraw funds from his own account, I wired {$20000.00} from my HSBC account I into my XXXX XXXX account to cover the margin call. Then on XX/XX/XXXX I was playing around with the HSBC mobile app, and I realized that theres a feature to send a wire transfer directly from the mobile app. So I wanted to see off it actually works, so I send a {$50.00} wire to the guy I send my first {$100.00} wire, since he was already saved as a recipient on my HSBC account. Of course I notified the guy that he might be getting {$50.00} in his account and explained why. Then on that same day XX/XX/XXXX, it was a free minute after XXXX oclock, and I wanted to login to my XXXX brokerage account to check on my stock positions. But I get a error stating that my act no longer exists. I began panicking and immediately called XXXX, and I was on hold for approx a hour until a representative answer my call, during this hour as I was on waiting to get through to a representative my friend that got that {$50.00} wire called me non stop, so I figured its probably emergency, so I answered, and he tells me that his bank ( XXXX XXXX ) froze his account and they ate refusing to release any money from it, and he called XXXX and they told him that the reason is because XXXX called to notify them that my business account seems to be a huge scandals or whatever they were thinking and the believe that hes involved with this scandal therefore they will not release his funds and they restricted his accounts. I then tried logging into HSBC and I wasnt able to. By note a XXXX representative finally answered my call, and in short told me that were informed that my account is involved in a HUGE SCHEME, therefore they can not release my funds and they can not discuss any further info. I need the CFPB t to understand my entire my saving was in my XXXX account. I have this XXXX accounts for 11 years already, my balance is {$75000.00}.
After this call I called HSBC, and every representative gave me a different story, they were mumbling as if they were trying to avoid answering me. So you called again and again until I was told that I need to reach out to my relationship manager and he will tell me exactly whats going on. So I called him and he had no idea that something is going on, he was shocked as well. I explained him that he must help me because every representative I call tells me that I can only speak to you. He began pancaking and perhaps even felt guilty for this huge damage I had, so he began making up excuses, but non of the things he did was true. I was in such despair that I told him if I dont get a straight and true answer I will not hesitate to bring legal action to the full extent of the law then he began mumbling and saying Ummm Ummm, first I need to understand something, even you opened this account you did its to collect rent checks, an I right? I said OK THEREFORE? He began saying, look your deposited 2 big checks from that other place youre banking with and, after constantly proving his that whatever hes saying in non sense, he began yelling at me and said you anyways threatened me trust youll take legal action, so theres nothing I can do for you, and he hung up the phone on me.
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| 12/03/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. HSBC BANK & {$6600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 05/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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To Whom It May Co ncern : I XXXX XXXX am filing this disputed complaint against multiple affiliated entities such as XXXX XXXX XXXX , and C/O : XXXX XXXX XXXX , and HSBC Bank/ XX/XX/XXXX , i n regards to their fallacious reporting 's to XXXX , entity. In Between XX/XX/XXXX , and XX/XX/XXXX , I contacted the original lender o f HSBC Bank/ XXXX , t o advised them of my immediate financial hardships and extenuating circumstances that would prohibit me, from making continuous payments going forward. As such, they advised me to enter into one of their affiliated credit counseling programs of which I complied and comme nced. As such, about a month thereafter, I received a call from a gentleman stating that he was just calling to see if they were any changes in my financial status, and of which I said no. As such, he continued on by saying your almost a year behind on your mortgage and still under water with many other financial payments and companies. And right thereafter, to my surprise he proceeded by saying that as of today he no longer would be pursuing this matter, and therefore, this debt will be made nullified as under cease and desist order and will be shared with all of their affiliates, to comply with going forward as well. However, to that narrative in XX/XX/XXXX , while I was residing in the east coast w hich is a bout XXXX states away a friend of mine had informed me about coming in contact with a subpoena order of which she founded on her door. So, I requested that she scan and e-mail such documents. Upon reviewing such documents it turned out that it was XXXX XXXX XXXX , who had filed a lawsuit by utilizing a law firm based out of XXXX XXXX Michigan suing for court costs, attorney fees, and other additional bogus charges other than the original left over debt balance of {$6 30.00}, range, and with theirs showing {$820.00}, from HSBC Bank XXXX , and with the lawsuit debt showing {$920.00}, stemming from XXXX XXXX XXXX , and affiliates, that they were currently utilizing to place judgement against me, in a cunning, and gravalicious attempt. So, right after revising such documents I decided to contact the courts and shared to them the same sentiments of what was said, to me verbally and also advised them that I was also, no longer residing in the current state and county of whe re such lawsuits were filed and in further, advised the court clerk that It would also be difficult for me to make it there, as I was l ike XXXX states a way. I also said, to the clerk, that if there was a way for me, to do the hearing over the phone on the date specified for such specific times as that would work out for me just fine. She replied by saying no, and that the information that I had provided her with was good enough to record down and proceed with. And in further, she also provided me with an email address and link to give such, shared verbal statements in writing of which I executed and completed, with also a follow up call to make sure, that such, request was received and of which was also verified out accurately. And that was that. In further, I also contacted the law firm and spoke to a gentleman and shared the same sentiments of what was said to me verbally over the phone stemming back from XX/XX/XXXX . That same gentleman at the law firm took my statement and replied by saying okay. Again, that was that, and to this day I have n't heard from any of the sources that I had called into about the shared sentiments and statements in general. But as such, I have been noticing constant reports being made against my credit under XXXX , enforced b y all XXXX entiti es of XXXX XXXX XXXX , an d C/O : XXXX XXXX XXXX , and HSBC Bank/ XXXX and on many numerous occasions that I have made constant contacts with XXXX , and shared the same sentiments, and to no avail, to this day no such, actions of deletions has been made by any of the affiliated entities that 's reporting all such negative and derogatory reportings. And as such, in my closing out analysis and conclusion surrounding this entire matter. I for one have d etected that these XXXX e ntities is full of ethical fallacies that supports their unethical behavior for how they all conduct their businesses with no good reputation or credibility behind them, and in further, they all utilize such disturbing approaches to entrap and take advantage of past and present customers that perhaps, would have never catch on to such undermining events, and for which many would deem as an act of non-de minimis attempts, which also supports acts of extortions on so many unjust levels. And as such, again, I therefore, request that all the se XXXX en tities cease, and desist all such reportings against my credit with XXXX , as one of your associates had already declared the aforementioned over six years ago which supports all my shared statements and sentiments with all the appropriate parties and entities here by in general. And as such, as it relates to the subject matter, I am requesting that very stiff penalties of swift acts of justices by the body of government that oversees, and regulates al l XXXX entities as their ways of conducting businesses at all levels demonstrates nothing but an act of deeply disturbing business conduct in general in the marketplace. And lastly, please see info on XXXX XXXX XXXX , law website regarding XXXX XXXX XXXX , and XXXX XXXX XXXX .
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| 06/13/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
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Web |
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A third-party called and pretended to be a representative from HSBC and tricked us into providing account login information and account confirmation code, to initiate an XXXX out of the our account. When this was identified as a fraud on XX/XX/XXXX within 10-15 minutes we contacted HSBC which was well within the standard 2 business days that is generally required to highlight this as an unauthorized transaction to a " XXXX XXXX '' and requested that the funds be recalled and that the receiving bank ( XXXX XXXX XXXX ) be advised to immediately freeze the funds.
The Premier Relationship XXXX confirmed to us later on XX/XX/XXXX, that the funds had been suspended by XXXX XXXX XXXX as requested by HSBC and that we should expect to receive our {$20000.00} back in 10 working days.
This did not happen and we have been contacting HSBC regularly and to date we have not received our funds and after two formal complaints we are advised that we are not entitled to a refund as there was not errors identified and the funds could not be recouped from XXXX XXXX XXXX.
The lack of detail and sufficient explanation that we have been provided after over XXXX months makes it unclear what steps were undertaken on our behalf to promptly investigate the fraud as soon as it was originally raised and what information was used to reach the current conclusions. We requested additional information on the full details of the investigation and how the current unsatisfactory conclusion was determined but to date this has not been received.
Furthermore, there is no reference made to the protections which we should be afforded as consumers under Regulation E : Electronic Fund Transfers 12 CFR 205 and the requirement of HSBCs obligations as a financial institution to comply with the Electronic Funds Transfer Act 1978 ( EFTA ) and Regulation E, to correct the error and initiate a refund to our account.
The below was specifically highlighted in our compliant referencing the Consumer Financial Protection Bureau ( CFPB ) FAQs dated of XX/XX/XXXX in this regard : Coverage : Transactions The term electronic fund transfer or XXXX means any transfer of funds that is initiated through an electronic terminal, telephone, computer, or magnetic tape for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit a consumer 's account. 12 CFR 1005.3 ( b ) ( 1 ).
Accordingly, Regulation E applies to any person-to-person ( P2P ) or mobile payment transactions that meet the definition of XXXX, including debit card, ACH, prepaid account, and other electronic transfers to or from a consumer account.
12 CFR 1005.3 ( b ) ( 1 ) ( v ) ; Comment 3 ( b ) ( 1 ) -1.ii.
Coverage : Financial Institutions Regulation E section 1005.2 ( i ) defines financial institution under XXXX and Regulation E to include banks, savings associations, credit unions, and : any other person that directly or indirectly holds an account belonging to a consumer, or any other person that issues an access device and agrees with a consumer to provide electronic fund transfer ( EFT ) services.
12 CFR 1005.2 ( i ).
Financial institutions include providers of P2P payment and bill payment services, if they directly or indirectly hold an account belonging to a consumer, or if they issue an access device and agree with a consumer to provide XXXX services.
Any entity that is considered a financial institution under Regulation E has error resolution obligations in the event that a consumer notifies the financial institution of an error, with limited exceptions. 12 CFR 1005.11.
Error Resolution : Unauthorized EFTs An unauthorized XXXX is an XXXX from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit.
12 CFR 1005.2 ( m ).
A third party fraudulently induces a consumer into sharing account access information that is used to initiate an XXXX from the consumers account. Does this transfer fall within the Regulation E definition of an unauthorized transaction?
Yes.For example, the Bureau is aware of the following situations where a third party has fraudulently obtained a consumers account access information, and thus, are considered unauthorized EFTs under Regulation E : ( 1 ) a third-party calling the consumer and pretending to be a representative from the consumers financial institution and then tricking the consumer into providing their account login information, texted account confirmation code, debit card number, or other information that could be used to initiate an XXXX out of the consumers account.. XXXX stemming from these situations meet the Regulation E definition of unauthorized XXXX.
As the transaction in question falls within the Regulation E definition because the the information to action the transfer was obtained via fraud, taking this into consideration together with our additional items raised above, we requested that HSBC correct this error immediately and initiate a refund to our account for the unauthorized transfer of {$20000.00}.
After escalation our claim has been rejected again and we are now being advised to refer this to local law enforcement as HSBC can no longer do anything. This is very shocking as when this was initially raised we were advised that as part of HSBC 's process that they would contact all the relevant authorities and we were not required to do anything directly.
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| 08/08/2019 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Unable to open an account
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Web |
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HSBC Bait and Switch Operations This spring I received in the mail a solicitation from HSBC Bank to open an account online called an Advance Checking account. I called the information number on the solicitation to ask some questions I had. At that time I was also encouraged to open a Direct Savings account online that paid 2.3 % interest using the bulk of the money I initially put into Advance Checking.
I went online in XX/XX/XXXX using the code number for a bonus that came with the mail solicitation. After providing all the requested information on the designated HSBC website, it rejected the application. An auto-generated email to me said my identity couldn't be verified. I had provided my valid New York State Driver 's License information and my own phone number, address, SSN, etc.
I called their phone numbers for help, and after much time on the phone I was advised to try again. They could not tell me what exactly the problem was. I was also advised over the phone that after opening the account, I could open the online Direct Savings account paying 2.3 % interest and transfer most of the money to that account.
After another failed attempt to open the account online, with the same result, I called back and was advised to go to a branch to open the account. This I did. I went to the branch at XXXX XXXX XXXX ( XXXX XXXX, NY XXXX ) and presented the coupon that came in the mail, which the bank officer took. At the branch, I was advised by the bank officer that they had a 5-month 2.3 % CD I could shift most of the money into once I funded the Advance Checking account. This was at the end of XX/XX/XXXX.
A few days later I sent {$10000.00} to my new HSBC account ( # XXXX ) by ACH transfer from another bank. I then went back online to open the 2.3 % online savings account. After completing the application, it was refused. Once again, the emailed reason was could not verify identity- even though I now had an account at HSBC .
I called their " help '' number, was given another number to call, and after taking my information and supposedly doing something to fix the issue, this person said to try again in 24 hours. I did that, and once again was refused- " unable to verify identity. '' I emailed the branch officer who opened the Advance Checking account and asked if she could do a transfer into the CD we'd discussed. She did not reply. Instead another officer responded, I presume the branch manager, and said it had to be new funds, which of course was NOT what the first officer had said. Then I asked if they could open the 2.3 % savings account, and was told No, that's online only.
As the bank had my verified identity in its possession after I had opened the Advance Checking account, it was invalid to refuse to allow me to open the Direct Savings account on grounds of non-verification of identity. I am entitled to interest from the date I attempted to open the account in XX/XX/XXXX.
As of now, this is the response from HSBC : I raised two issues in my complaint against HSBC Bank. One issue was completely ignored by HSBC bank in its response, and remains unaddressed, and the other issue was responded to with false information and misdirection.
There was no explanation or even a reference to why HSBC blocked me from opening the online Direct Savings account with the automated claim " could not verify identity '' even AFTER I ALREADY HAD AN ACCOUNT with the bank! Their " customer service '' dept. just said try again in 24 hours, after supposedly making a fix. Same thing happened. This account was offered as a teaser over the phone to induce me to open the checking account. To avoid fees I have to lock up {$10000.00} for 6 months.
As to the matter of the CD offered at the branch, I did NOT request it on XX/XX/XXXX, but on XX/XX/XXXX, as my dated email proves. And this business of missing an imaginary deadline of XX/XX/XXXX by a day for the money I had on deposit to be considered " new '' is spurious. No officer at the branch said anything about a deadline. And the only mention of " new '' money came later from the branch manager, who emailed that " new '' money was required for a CD. Again, nothing about missing an imaginary " deadline. '' I did some online research on HSBC and was shocked to discover a history of major criminality, as described in the following government announcements and news accounts : " HSBC Holdings Plc. and HSBC Bank USA N.A. Admit to Anti-Money Laundering and Sanctions Violations, Forfeit {$1.00} XXXX in Deferred Prosecution Agreement '' https : //www.justice.govXX/XX/XXXX" HSBC Bank Executives Face Charges in {$3.00} XXXX Currency Case '' - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " Investigation into Bank Uncovers Criminal Activity Dating Back to the XX/XX/XXXXs- Bank Violated U.S. Sanctions by Moving Hundreds of Millions of Dollars through the U.S. for XXXX, XXXX , XXXX , XXXX , and Other Sanctioned Clients- District Attorney XXXX Announces {$370.00} XXXX Settlement with HSBC Bank-XX/XX/XXXX .
XXXX : XXXX HSBC Money-Laundering Case Yields {$110.00} XXXX Bounty for XXXX XXXX XXXX
Updated XX/XX/XXXXhttp : XXXX Major criminal activity " dating back to the XX/XX/XXXXs! '' It would seem that this institution hasn't learned its lesson and needs to be kept under strict supervision.
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| 03/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In XXXX XXXX, HSBC approached us by phone saying we were eligible to refinance our existing mortgage. We own a XXXX apartment in XXXX. Our current mortgage, a $ XXXX XXXXyear fixed loan, was originated by HSBC back in XXXX.
The bank offered a very attarctive rate of 2.25 % for a XXXX-year term fixed mortgage, and we took their offer shortly after. We submitted an application for a $ XXXX refinance on XX/XX/XXXX, and locked the rate on XX/XX/XXXX.
Our XXXX XXXX management company and ourselves were very diligent in submitting all the required documentation : proof of income, XXXX questionnaire, credit check, appraisal was done on time, etc. It's worth noting that the mortgage being requested is approximately half of the appraised value of the unit, and that our combined gross annual income is over $ XXXX.
One of the items HSBC had identified as an issue were XXXX XXXX XXXX XXXX XXXX XXXX violations identified in the lien search. HSBC requested an indemnity letter from the XXXX 's management, which they received on XX/XX/XXXX.
On XX/XX/XXXX, with less than two weeks remaining on our rate lock ( rate lock expires on XX/XX/XXXX ), HSBC suddenly expects those XXXX violations to be cured in order to close. By letter dated XX/XX/XXXX and again XX/XX/XXXX the XXXX agreed to indemnify HSBC for all of the existing violations.
We pointed out there have been several mortgages in our XXXX that HSBC has closed recently even though there are XXXX violations. We asked for an explanation of why our mortgage is being held up, and asked to see the indemnification letters that allowed the other mortgages to proceed so that we can review the scope of the indemnification with the management company and get a revised letter that would be acceptable to HSBC. We even pointed out that they can redact the letters to protect names and personal information. Everything we have pointed out and asked for has fallen on deaf ears, with the HSBC representatives involved in this mortgage application providing absolutely no constructive information.
After pressing the issue several times, asking to speak to managers, we were finally told that the rate that HSBC offered was based on selling it to XXXX XXXX and that XXXX XXXX has certain criteria and restrictions, and were referred to XXXX XXXX Selling Guide. We were told that HSBC could not close on the loan at the locked rate of 2.25 % unless the violations were cured and we were instead offered a mortgage at a rate of 3.492 % - essentially the same rate that we currently have. This is simply unacceptable.
In the Selling Guide, XXXX XXXX points out title exceptions in B7-2-05 ( XX/XX/XXXX ) : XXXX XXXX will not purchase or securitize a mortgage secured by property that has an unacceptable title impediment, particularly unpaid real estate taxes and survey exceptions ( emp. added ). Neither real estate taxes, nor survey exceptions are at issue here.
The XXXX XXXX Selling Guide goes on to state that minor title impediments must not materially affect the marketability of the property. The lender must indemnify XXXX XXXX ( as described in A2-1-03, Indemnification for Losses ) for any Fannie Mae losses that can be directly attributed to the impediment ( s ). Again, please note that the violations at issue here do not materially affect the marketability of the property. According to data publicly available, there are hundreds of thousands of currently open XXXX violations issued to buildings throughout XXXX. The violations identified in the lien report were not issued to our unit, they were issued to a complex consisting of approximately 800 units ; they amount to {$20000.00} ( please note that our unit alone was appraised by HSBC at {$760000.00}, and we are only asking for a mortgage of {$380000.00} ) ; and most significantly the co-op has issued an indemnification letter to HSBC for all of the violations, which clearly would meet XXXX XXXX guidelines. After reviewing the XXXX XXXX Selling Guide, we see no way that these XXXX violations which are all minor in nature could be interpreted by a reasonable person to fall within the definition of a title exception that would preclude closing on our mortgage at the locked rate.
If HSBC interprets open XXXX violations as conditions that would preclude closing mortgages that they intend to sell to XXXX XXXX then that means that most of the apartments in XXXX are ineligible, and thus, HSBC should not be marketing these rates here. If HSBC has closed on mortgages with open XXXX violations then all we are asking for is to share the criteria and examples of the documentation that are acceptable so that we can obtain it and move forward. This is all we are asking for and which the HSBC mortgage team refuses to provide, and instead they give us the runaround presumably with the intent to run out the clock on the refinancing rate lock period.
This leads us to one of two alarming conclusions : 1 ) HSBC has been operating in bad faith, deceptive marketing and predatory lending practices ; and/or 2 ) HSBC is engaging in mortgage discrimination.
We would appreciate your assistance in getting this matter resolved, as we believe we're being treated unfairly.
We're including the indemnity letter the bank deems unacceptable as an attachment.
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| 06/20/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Servicemember |
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I was contacted by a company going by the name of XXXX ( XXXX ) XXXX on Friday XX/XX/XXXX for the first time advising me there is a claim ( Case # : XXXX ) against me in the amount of $ XXXX for a XXXX XXXX credit card that went into delinquency back in XX/XX/XXXX according to the representative I spoke to. I immediately advised the representative that I am unaware of any alleged outstanding debt and that any and all credit accounts held by me or jointly with my wife were discharged in Bankruptcy court in XX/XX/XXXX.
Prior to this phone conversation I have only ever had XXXX XXXX XXXX credit card held jointly with my wife.
I advised the representative of XXXX ( XXXX XXXX ) that I needed a few days to pull my credit report and also to get a copy of my Chapter XXXX bankruptcy discharge which was cleared on XX/XX/XXXX. Mr. XXXX stated to me that this alleged credit account was not included in the Chapter XXXX filing and that the alleged debt is still valid. Once again I explained to Mr. XXXX that I will get a copy of my discharge papers and would be happy to fax them to XXXX as proof that all of my accounts were discharged in Federal Bankruptcy Court.
I intended to call XXXX today, Thursday XX/XX/XXXX however, I received a follow up call from a Mr. XXXX XXXX ( XXXX, ext. XXXX XXXX yesterday XX/XX/XXXX advising me that my case was now referred to him. I proceeded to explain the same instance of details I explained to Mr. XXXX the previous week. Mr. XXXX quoted my representing attorney in bankruptcy court, quoted the bankruptcy discharge date , county and state of the discharge ( All public information by the way ) and stated to me that the account was not listed on the discharge. I requested specific paper proof showing me how they determined that this alleged specific account was not listed on my bankruptcy accounts list. I was informed that they simply look at the account, compare it against a discharge list that they have access to and can determine on their end that the account was not included. Again, I requested the proof that he is quoting to me about this alleged account and Mr. XXXX could not present any proof of said account either in paper or electronically.
If this is truly the case, why didn't they ( XXXX XXXX or any representing collection agency ) show up at the meeting of creditors during the Chapter XXXX proceedings? Considering that according to them, the account was delinquent since XX/XX/XXXX, and my hearings and ultimately discharge occurred in XX/XX/XXXX? Furthermore, the court never received any objections, written or otherwise to the filing when first initiated in XX/XX/XXXX.
I then informed Mr. XXXX that I can not simply go by his word that this account was not included. I explained that I only ever had one XXXX XXXX credit card account prior to our bankruptcy filing. I also advised Mr. XXXX that I have never seen the one account that I am aware of go into delinquency. This account has not shown up on my credit report as unpaid or noncollectable by the original crediting bank. Mr. XXXX then gave me an explanation that sometimes banks don't report delinquent accounts to the consumer reporting agencies in an attempt to give the debtor an opportunity to pay the account. Five years of leniency? I have never, ever heard of any creditor granting such mercy to anyone. Everyone of my accounts that I had previously, were listed on my credit report and never once did any XXXX XXXX account come up as delinquent until the Chapter XXXX filing in XX/XX/XXXXunder advisement of our bankruptcy attorney. Furthermore, after the discharge, all credit accounts that my wife and I had previously were closed under the chapter XXXX filing.
I advised Mr. XXXX that as a one time courtesy, I am going to fax them a copy of my Bankruptcy Discharge papers ( blocking out any personally identifiable information ) as proof that all accounts were in fact discharged. We ended our call at this time and I did in fact fax them all of the discharge papers to fax # : XXXX. I then proceeded to perform a reverse lookup of this fax number and the owner of the number comes up as XXXX XXXX and XXXX ( a collection agency ) located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX with a primary contact number of ( XXXX ) XXXX according to the XXXX website.
In my fax communication to this agency, I explained the content of the fax. I also at this time communicated my expectations that as far as I am concerned, this matter is fully resolved, null and void. I also stated in my letter accompanying the facsimile that should any of this invalid information end up on my or my wife 's credit report, I would seek full legal action against XXXX and any associated partners of their firm. I also furnished to XXXX the name and contact information to my Bankruptcy attorney 's office and made clear that any further information they might require would need to be obtained from the Attorney 's office and that I no longer wish to be contacted on this matter.
I'm filing this complaint at this time for two reasons ; 1. The methods of which XXXX or XXXX XXXX XXXX XXXX are employing to collect on a debt that was discharged in Federal Bankruptcy Court, and, 2. I'm not sure what they will do with the information furnished to them by me.
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| 12/06/2019 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Can't close your account
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Web |
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This is the craziest thing I have ever heard in banking. I work for XXXX. I have an HSBC savings. I had a checking there that I closed, and have a credit card that I am closing. I thought, last year, I lost a cashiers check of {$10000.00}. It was my money that I took out from HSBC, put in their savings account, and withdrew it to deposit elsewhere. I really think this company makes it difficult to leave. They issued a new one and had me stay there signing all kinds of notarized affidavits to issue a new check, of my money, and told me it was an exception to do this. The new check and the old had no expiration dates. Last week, I found one of the checks and tried to deposit it and it was returned by my other bank, XXXX. XXXX told me it may be returned because the date was XX/XX/2018. But, they said since it had no expiration date, they would try to see if the deposit would go through. If not they said to talk to HSBC. It didnt. That was fine. The assessed me {$12.00} for the return check fee today and said before, I could waive the charge. I went to HSBC this week. They refused to allow me to close my account and said I owed them {$10000.00} because I was issued two checks and they may have been cashed. I went off. One was supposed to be cancelled, stop payment, before it was deposited. The new one that I received, I couldnt recall if or where I deposited it. I am experiencing health problems and my short-term memory is fair at best. They could not even tell me which bank either was cashed at. Their research department is investigating and it takes them 7 to 10 days to do that. And, get this, they cant call the research department. I was there and asked, and they said they couldnt. I am so done with HSBC. As an XXXX employee, I will file a complaint on any financial institution thatI can not get service from. I did years ago, against XXXX XXXX, because I couldnt close the account and get {$70000.00} from them. My reason was the same. I could not get though to talk to anyone via phone, and then when I would, I would be transferred, and transferred again, and then it would discount. Same situation except HSBC has a brick and mortar office near my condo. XXXX is online. So I have wasted my time, being sick, going and spending hours there just to do normal transactions. The VP there blamed me, for depositing two checks. Really, they should be able to trace transactions to ensure a cancelled check isnt cashed. And, she then told me they dont cancel or stop payments on checks. I XXXX near fell out of the chair. Why the XXXX would they keep me in there last year signing all of this paperwork, issue a new check, and not tell me the old one wasnt really cancelled, because their checks expire 90 days after non-deposit. Well, that would have been good to know then. So, when people lose, misplace, or have checks stolen and possibly cashed when they thought the HSBC branch cancelled it, HSBC expects to be paid for the deposited amount of the check that was supposed to be cancelled. But, oh wait. They dont cancel or stop payment on checks. Truth is stranger than fiction. The examiners should look into their IT systems. And this policy. It is the most ridiculous thing I ever heard from a bank. Thank you for looking into to this. Whether they trace and find the other check or not, they would never get their money back, especially if it was found by someone else and cashed. That alone is stupid. Have them fix this and save others this trouble.
Also, I left a {$1000.00} in the savings maybe {$1500.00} because I thought it was a good bank and didnt want to close the account. They are holding my money while they research the two cashiers checks, and will not return it if they find that both checks were cashed. Well, get this, XXXX returned the one I deposited. SO THIS SHOULD BE A NONISSUE. There is no way both checks could be cashed. It is a wash. But their VP didnt understand this until almost one hour later of me arguing with her. Nor did the other person. A third person, employee, a personal banker, was there who completely understood and agreed with what actually happened. And understood that. I had to look up the rejected check in my XXXX account, have them take a phone shot of it because their inadequate IT system could not see the transaction. They had to have the research department look into it. They had no record of it in the branch. What the XXXX kind of institution is this where the branch can see their own rejected checks and cant call another division to find out what the XXXX happened? Their security systems are so good they cant even talk to each other. Too bad the rest isnt so. Thanks for looking into this and please check their IT systems. Or have an IT examiner go in and do it. They say because they are an international bank they are regulated more strictly and have more protocols. XXXX. So is XXXX and I dont have that problem with them. I can get my money anytime and they can reach back while Im standing there and get an answer in five minutes. Just like the rest of XXXX products, the services are below par too. Im sorry but Im pissed off. Consumers cancel checks so this wont happen and I was blamed for depositing two checks. Excuse me for having a brain injury. Happy holidays!
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| 03/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My wife and I applied to HSBC for a mortgage to refinance an expiring Home Equity Line of credit ( which was with another institution ). We were assured, from the get go, that our chances of getting this mortgage were excellent : our credit ratings are great, the ratio of amount requested to home value is 1:4, we have ample other assets ( worth over 7 times the value of the requested loan ), we have other sources of income.
The loan was, after a long and painful process, denied.
I am under no illusion that it's at a bank 's discretion whether or not to approve a mortgage. I am disappointed, of course, but more than that I am furious because of the WAY that this all went down. I will provide the basic outline of what happened : When we applied, a Mortgage Consultant ( I'll call him " XXXX '' ) was assigned to our case by HSBC. After hearing what we were looking for, he recommended a thirty-year mortgage with a fixed rate for the first 15 years, and floating after that ( we only intend to remain in our house for 5-10 years, so that's essentially moot ). He was polite, personable, and seemed knowledgeable. A few days after we started our application, with all the requisite ( and fully anticipated ) requests for documentation etc, XXXX called suggesting that we switch to a CEMA loan, something I had never heard of. The reason being that it would save us on closing costs. Of course we thought that was a better way to go, and resubmitted the modified application.
As part of this process, we needed to get a home appraisal ( again, fully anticipated ), which we did. We also received a letter from a local lawyer informing us that we needed to pay them {$950.00} for some sort of title search. Sigh. Okay, so we did that. Around this time we also started receiving communications from a Senior Loan Processor ( let 's call him " XXXX '' ) at HSBC, again requesting yet more information. Some of which contradicted what XXXX had said, but so be it.
And then nothing. No communications. Worse than that, both of them seemed to be ignoring my emails and phone calls. I received a communication from yet another Mortgage Consultant ( let 's call this one " XXXX '' ), who I contacted. He expressed surprise at having been assigned to this application mid-stream, and when I told him what I had been through thus far, he said, and I quote : " I can't believe that you're able to remain this calm. If this were me, I would have thrown the phone at the wall! '' ( at the beginning of every call with HSBC they tell you that the call is being recorded : I hope they are ). XXXX gave me the contact information for XXXX 's boss. We'll call her " XXXX ''.
I wrote to XXXX, and also left her a voicemail, asking her to please get in touch with me so we could discuss my application. I had no response from her. In the meanwhile, the lawyer that I'd paid {$950.00} to contacted me to tell me that the title search that was being conducted was actually moot for a CEMA loan because my original loan was with an institution ( XXXX XXXX ) that didn't participate in XXXX. She offered to return the {$950.00} ( which she did in total ), but this left back a few steps. Again I tried to contact XXXX had initiated XXXX but had not, apparently, done his homework and XXXX, and XXXX. XXXX eventually called me to tell me that my loan was now " pending declination ''.
After another 17 days not hearing from XXXX or XXXX, I left XXXX an exasperated ( but still calm! ) voicemail mentioning that I had escalated to XXXX ( his boss ). I also wrote to her, again. The following morning XXXX called, less friendly but still very professional ( to his credit ) to apologize and assure me that everything was back on track, and that he expected to hear back from " underwriting '' within an hour, and that we'd close on the loan " in eleven days ''.
It's been a week, and no call from XXXX. I called XXXX ( the second Mortgage Consultant ) again. He gave me the name and email address of XXXX 's boss, " XXXX ''. In the meanwhile, I received yet another communication, from yet another Mortgage Consultant " XXXX '' which consisted of just one word : " Cancelled ''.
What? Having basically had it at this point, I wrote to XXXX ( this was yesterday ) and laid out the entire sorry tale to him, using the real names of the people I'd had dealings with, and also letting him know, gently, that I was reluctant to throw people under the bus, but that I felt I had no other recourse. And also, that if I didn't receive some sort of apology or explanation or review, I would come to the CFPB. I have had no response.
Finally : right after I sent XXXX the email, I received a letter from HSBC in the mail informing me that the loan has not been approved. The reasons cited make no sense, but given how screwed-up the overall process was I have no doubt that the underwriting department was acting on flawed and incomplete information.
Suffice it to say that I'm disgusted by HSBC 's utterly incompetent and rude handling of me. By the time yesterday 's rejection arrived, I had already secured a loan through a different institution ( and with better terms, to boot ). Even had the loan come through, I had ZERO intention of taking it after what I've been through.
|
| 06/18/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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On XX/XX/XXXX, HSBC received a restraining notice on my account. As a result the decided to make my life miserable!!
I spoke to the legal Departmemt 3 times and was promised and I have it in email that it didnt affect my credit card and my line of credit plus any amount in my account above the restraining notice can be used.
However the situation was completely different!!
They conducted deceptive business practice and criminal activity all on the basis that its in the terms and conditions and therefore theyre allowed to do whatever they want.
HSBC simply fails to understand that terms and conditions can not override laws and consumer rights.
Ive been abused, I can show proof from my phone call history and especially my chats how I was lied to every day hundreds of times.
Im completely drained and suicidal, HSBC took away from my every appetite to breath on this world.
Its illegal to play around and lie to a customer no matter what the condition is.
I also received emails from consumer relations Departmemt that they are looking into this matter and will get back to me within 48 hours. But that wasnt the case!!!
Everything is documented and I have proof of everything should I need to pursue legal action.
Theres absolutely no way in this world they can make up the abuse they did to me!
And abuse of power is a crime under penal law.
I got an alert from the credit bureaus that my credit card and line of credit is closed which is was an adverse impact and I called in again and they told me without hesitation we see its not closed and everything is fine.
Then they shifted gears and said all I need to do is go to a branch to verify recent activity and everything will be ok. I went to 5 branches and not only did they tell me theres nothing we can do but threw me out as I was begging them for help.
This complaint is not about my money, I need answers!! I need to know why HSBC decided to make my life miserable and what sin did I do to deserve this!!!!
Then lem me go to the Fraud Departmemt which called me on XX/XX/XXXX that I need to email them documents and then everything will be good and theyll call me within 24-48 hrs!! And again that was not the case, they never called me and I keep on emailing them and theres no one to talk to!!
Im being transferred thousands of times and Im being made a puppet of!!
Simply taking advantage of me for no reason!!
On XX/XX/XXXX I spoke to a rep which finally helped me remove the restriction on the credit card and it worked for exactly 10 minutes.
please HELP WHAT DID I DO WRONG ALREADY!!!!!!
Im screeching from pain!!! Im chocking I just cant tolerate this corruption!!!
HSBC is basically allowed to do everything weather legal or not by using their excuse that its either in the terms and conditions or its for ur own protection!!! And how in the world does this protect me.??????
Then they returned just this week 4 credit card payments I made!!! They simple arent happy that they ruined my life but now they want to ruin everything I have!!!
I was now in a branch and the branch told me that the reason is the need to verify the source of the funds I told them in detail every penny from where it came from and I was shocked how every minute and every call they have a new reason, new excuse and new departments handling my account FOR MY OWN PROTECTION!!!
The punchline is they see and know their not right as a result 90 % of representatives just hang up the phone call on me.
I called in today another 100 times and told them I dont care anymore about my money, all I want to know is why in the world is HSBC doing this to me!!!???
I told them keep my XXXX as a donation and just tell me what did I sin and why are you doing this to me!! And again and again and again was I being transferred they transfer you nonstop its crazy!!
I ask the CFPB to please investigate their deceptive business conduct and fine them for billions of dollars even they have terms and conditions The pain and misery they are able to cause someone wasnt heard in history!! Even world war 2 didnt go through the torture theyre able to pull off!!!
I am definitely damaged for life and Ill never be the same.
I ask the bureau for permission to record my next 100 phone calls to show rock solid proof how Im being treated!!!
Should this continue Ill take legal action to the full extent of the law!!! Yes law!! Not terms and conditions!!!!
Ive already had a consultation with a criminal defense attorney and he mentioned 4 counts of fraud HSBC did to me.
And Im sure if their doing it to me their doing it to everyone.
If its really true that all that want is to verify activity on my account all they need to do is verify it!!!
But the problem is that excuse can no longer be used as I already verified it 100 times and was lied to and told that NOW YOIR account IS ALL GOOD!!
Then yesterday I spoke to the Fraud Departmemt which told me they only need to very a XXXX transfer and I verified it and then was told ok wait 5 minutes and Ill be able to login to ur account and everything will be ok and again that wasnt the case!!!
This can not be accepted!! The burea should look into them!!! And Im willing to anticipate with the bureau to fine them for billions!!
|
| 08/09/2019 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Please allow me to respond to XXXX XXXX XXXX, XXXX ( XXXX ) XX/XX/XXXX response to CFPB ( XXXX ) and Beneficials ( HSBC ) XX/XX/XXXX response to CFPB ( XXXX ), as well as XXXX XX/XX/XXXX response to XXXX XXXX of the New York State Department of Financial Services . As the following will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC and XXXX continued and past unscrupulous actions.
First, XXXX states, XXXX currently has the authority to process Assignment of Mortgage ( AOM ). XXXX is confident our processing of any AOMs is valid and compliant, and we find no merit to the claim of fraudulent AOMs. I disagree. Since XXXX failed to provide me a copy of the AOM, I obtained a copy myself. It lists XXXX as the assignor as Attorney In Fact for Beneficial Homeowner Service XXXX, yet no written power of attorney from Beneficial to XXXX is attached to the AOM. Does one exist? Has HSBC given XXXX Power of Attorney? The AOM was prepared and submitted by XXXX XXXX XXXX, not XXXX. XXXX XXXX XXXX is located in XXXX XXXX, MO and XXXX is located in XXXX XXXX XXXX, UT. How does that Notary process work? Did the Notary in UT fly to MO to notarize the document prior to XXXX XXXX XXXX submitting via simplifile? The Assignee is listed as Beneficial Homeowner Service Corporation, as indenture trustee, for the holders of the XXXX XXXX XXXX, yet the allonge to the note provided in XXXX response is XXXX XXXX XXXX XXXX. What about XXXX Validation of Debt Notice correspondence dated XX/XX/XXXX, stating XXXX was collecting debt on behalf of XXXX XXXX XXXX, the investor who currently owns your mortgage loan. Additionally, HSBC states they sold the loan to XXXX XXXX XXXX on numerous occasions, yet no documentation has been provided substantiating these transactions. The AOM states, For value received, the Assignor does hereby grant, sell, assign, transfer and convey, unto the above-named Assignee all interest under that certain Mortgage Dated XX/XX/XXXX, in the amount of {$32000.00}, executed by XXXX XXXX XXXX AND XXXX XXXX XXXX, Husband AND Wife to Beneficial Homeowner Service Corporation and Recorded XX/XX/XXXX, instrument # XXXX in XXXX XXXX, State of New York. It also contains the property address as XXXX XXXX, XXXX, NY XXXX and absolutely no legal description of the alleged security interest. My review of said recorded mortgage indicates the mortgage has an address of XXXX XXXX XXXX, XXXX NY XXXX in the amount of {$32000.00}, which are both inconsistent with the AOM XXXX allegedly legally recorded. It is my opinion, XXXX did not record the legal description because, as they have been informed, they know it neither matches the note or the mortgage making it void. However, in true XXXX fashion, they continue to misrepresent the facts in order to deceive and/or manipulate all interested parties to their benefit. They continue their Ponzi scheme in order to defraud the American public. Both the AOM and Allonge to the note is signed by XXXX XXXX, Document Control Officer. I am uncertain if this is a real individual or not.
Secondly, XXXX states, Please be advised XXXX has requested all recorded assignments, and they will be sent under a separate cover. Ive never received, nor do I believe they even exist.
Thirdly, XXXX states in its correspondence to the New York State Department of Financial Services, In the inquiry, Mr. XXXX requested an update on the foreclosure process on the account. Due to the status of the account, we will not be pursuing foreclosure. What is the status of the account then? Why does XXXX continue to send mortgage statements? Why has XXXX not filed a valid probate claim against the estate of XXXX XXXX XXXX? I surmise it is because there is no valid account, valid mortgage, or valid note. Additionally, this seems to be contrary to previous documentation I have received including a XX/XX/XXXX Mortgage Statement that states, XXXX has referred your account to an attorney for legal action.
Fourthly, XXXX states in its response to the New York State Department of Financial Services regarding property inspections, There may be occasions when more than one inspection is required, such as when an account is delinquent with limited customer contact. Its remarkably ironic, XXXX stopped inspections, forced placed insurance and sent notice of closure of an escrow account shortly after my complaint being filed. However, this does not negate the past fraudulent inspections, BPOs, forced placed insurance and misc. fees erroneously charged to the alleged account during the time preceding this complaint for a property they have no security interest or standing to enforce.
Lastly, it is evident both HSBC and XXXX continue conspire to defraud and prey on unaware private citizens as well as state and local governments/officials and continue to go unchecked or held accountable. My attachments provide my evidentiary documentation, and as the Fiduciary for the Estate of XXXX XXXX XXXX, I continue to dispute and reject any claims from HSBC or XXXX and affiliates.
PS : CFPB website would not accept attachments, therefore, they have been sent to interested parties under separate cover.
|
| 02/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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My name is XXXX XXXX, HSBC Bank has forced some of its members to move its accounts to XXXX Bank which does not have a location here in XXXX XXXX New York I have spoken with HSBC Bank customer service number is times regarding this change of banks, going back until XX/XX/XXXX when it's first was announced after looking into XXXX Bank the fees are ridiculously high this was explained to numerous of the customer service reps that handle the incoming calls at HSBC Bank. The assistant vice president of customer relations her name is XXXX XXXX, I have asked XXXX XXXX for documentation supporting the overdraft that I currently have, I want to verify that I signed any disclosures regarding transferring my account which she has never furnished. I have a minimum of six calls going to HSBC Bank regarding my checking account and credit line, On one of the calls I spoke with a young lady and I said to her that I was not interested in going to XXXX Bank for the obvious reasons, the fees are ridiculously high and their customer service is very very poor they are not here in New York, where we can go and speak to someone so it's not in my best interest to have a bank I can not go to if I have concerns if I have problems, I like to be in front of someone.
XX/XX/XXXX I received an email from XXXX XXXX stating, very rudely to me that my credit line was going over to XXXX Bank I specifically asked her please verify that the recorded calls will identify one of the representatives stating because the account is not paid off it will stay at HSBC, she informed me during the call that it was only two calls that made to this customer service about my account, I told her no, a minimum of six since XXXX was made, I asked you to please send me a copy of the disclosures for the overdraft and I have yet to receive it. This transfer has been a problem for many people as well as myself when I tried calling to discuss anything with HSBC they flagged your account, by you entering your social security number it identifies you're one of the customers that's being transferred and no one picks up, it tells you to call a different number so that you don't have any type of communication with anybody or questioning anybody about the account or the transfer until it's actually completed these are the experince i have, so they are forcing people to do things without being held accountable for the unprofessional conduct in which they are displaying, I have asked her in emails please provide the disclosures you have of my signature signing this, I have also asked for bank statements with all pages for the last 6 months showing deposit credits withdrawals I have yet to receive, this is important for me to show Trans actual history between both accounts, the disclosures they will not provide me I am sure it's already went over to this transferring Bank which I did not and am not comfortable with.
XXXX XXXX the vice president of customer relations has very unprofessional conduct with me, she feels what she says is going to happen regardless of my concern or if it will benefit regardless of the importance of the ability for someone to go to a branch to sit down and discuss issues, problems, Etc. I call customer service at XXXX bank and it's a very very poor professional response. I want my overdraft account to be stopped I do not want to deal with XXXX on this transfer. I would like for it to stay there and I will pay it off, they have recently sent me checks so I can make payments against my account for other creditors. XXXX XXXX is taking advantage of the consumers by forcing them to do things that are not in their interest for monetary gain. I am still waiting for all pages of my bank statement I am also still waiting for all pages of my overdraft account.
I was informed, my overdraft is moving over to XXXX bank and the checking account is closed due to a negative balance, I paid my XXXX from another bank on the XXXX of XXXX and received a check back for the {$82.00} on the XXXX of XXXX, the checking account was closed on XX/XX/XXXX.
XX/XX/XXXX, i spoke to XXXX XXXX again she said the bank is not moving my checking account because it close but the overdraft is going to the citizen bank.
How can HSBC close my account after sending me my money back and transfer my overdraft with a balance to a bank with high interest, this is unfair and I open up the overdraft at the branch where the customer service representative fill out the application and I signed it, I never received the terms and condition until today XX/XX/XXXX, by email.
this transaction with HSBC to XXXX bank has and is unfair to many customers and unfair, many people did not receive anything until the last week before the transfer is complete my checking was a premier account and was changed to a regular account and charged monthly with out them informing me that it was and has occurred, all premier account are staying with HSBC, there is unfair treatment with this. XXXX XXXX informed me she had 8 recording of calls she listen to on those recording you will find what was said to me about my account from her representative and what I was able to do.
XXXX XXXX
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| 10/26/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This complaint and subsequent information is in response to HSBCs response to my XX/XX/XXXX complaint dated XX/XX/XXXX, Case Number XXXX-XXXX. In HSBCs response, they seek additional information as to why the legal description in alleged mortgages ( XXXX XXXX ( HSBC ) XXXX, XXXX XXXX AND XXXX XXXX do not match the legal description of said property ( XXXX XXXX XXXX ). I regret XXXX XXXX, Vice-President Customer Disputes Customer Resolution Department and her associates are too inept to understand the facts. The following are the facts : FACT 1- DEED XXXX ( LEGAL DESCRIPTION ), DATED XX/XX/XXXX ARE CONTAINED IN RECORDED BENEFICIAL MORTGAGES ( HSBC ) XXXX, XXXX XXXX, XXXX XXXX AND ALLEGED CONSOLIDATED AGREEMENTS. FACT 2- THE TITLE SEARCHES CONDUCTED BY HSBC FOR EACH ALLEGED MORTGAGE CONFIRM THE LEGAL DESCRIPTION REFERENCED ABOVE. FACT 3- THE DEED CORRESPONDING TO XXXX XXXX XXXX IS LEGALLY DESCRIBED IN DEED XXXX, DATED XX/XX/XXXX. FACT 4- THESE LEGAL DESCRIPTION ARE TWO SEPARATE AND INDEPENDENT PROPERTIES ( SEE LEGAL DESCRIPTIONS OF EACH BELOW ). FACT 5- THEREFORE, HSBC NEVER HELD A SECURITY INTEREST IN THE PROPERTY AND RESIDENCE LOCATED AT XXXX XXXX XXXX AS THEY CLAIM. FACT 6- HSBC PROCEEDED TO SELL SAID MORTGAGES TO XXXX XXXX XXXX , XXXX AND TRANSFERRED SERVICING TO XXXX XXXX XXXXXXXX , XXXX ( XXXX ). FACT 7- XXXX XXXX XXXX IS ALLEGEDLY NOW THE NOTE HODLER OF THIS ACCOUNT. FACT 8- XXXX CONTINUES TO FORCE PLACE INSURANCE AND PURSUE FORECLOSURE ON XXXX XXXX XXXX ; A PROPERTY NEITHER HSBC OR XXXX OR XXXX HAVE EVER HAD A LEGAL SECURITY INTEREST IN. FACT 9- THIS IS FRAUD AND DECEPTION. To make it easier for HSBC to understand, I have drawn and included a map of the properties in question. All of this can be confirmed by researching documents recorded in the XXXX County, New York Land Records Office. +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ DEED XXXX, DATED XX/XX/XXXX AND CONTAINED IN RECORDED XXXX XXXX ( HSBC ) XXXX, XXXX XXXX AND XXXX XXXX ALL THAT PIECE OR PARCLE OF LAND SITUATE IN TOWN OF XXXX , COUNTY OF XXXX AND STATE OF NEW YORK, BEING PART OF LOT NO. 5 OF GREAT LOT 17 IN TOWNSHIP 8 OF XXXX PATENT, DESCRIBED AS FOLLOWS : COMMENCING IN THE CENTER OF THE HIGHWAY WHICH LEADS FROM XXXX TO XXXX, KNOWN AS XXXX XXXX XXXX ( FORMERLY KNOWN AS THE XXXX XXXX ) AT THE XXXX XXXX OF LAND ON THE XXXX SIDE OF SAID HIGH-WAY WHICH WAS CONVEYED BY XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, HIS WIFE, TO XXXX XXXX XXXX AND XXXX XXXX XXXX, HIS WIFE, BY WARRANTY DEED DATED XX/XX/XXXX, SAID POINT OF BEGINNING BEING ALSO THE SOUTHWEST CORNER OF LAND CONVEYED BY XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, HIS WIFE, TO XXXX XXXX XXXX AND XXXX XXXX XXXX, HIS WIFE, BY WARRANTY DEED DATED XX/XX/XXXX, AND RUNNING THENCE XXXX XXXX XXXX ALONG THE CENTER OF XXXX XXXX XXXX, 100 FEET ; THENCE XXXX AT OR ABOUT RIGHT ANGLES TO THE XXXX XXXX FET TO A STAKE IN THE XXXX LINE OF THE AFORESAID LAND CONVEYED BY XXXX XXXX XXXX AND WIFE TO XXXX XXXX XXXX AND WIFE ON XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ALONG THE XXXX LINE OF SAID LAND CONVEYED TO SAID XXXX XXXX XXXX AND WIFE, 200 FEET TO THE POINT OR PLACE OF BEGINNING, IN THE CENTER OF XXXX XXXX XXXX, BEING A TRIANGULAR PARCEL OF LAND. BEING PART OF THE PREMISES WHICH WERE CONVEYED BY XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, HIS WIFE, TO XXXX XXXX XXXX AND XXXX XXXX XXXX, HIS WIFE, BY WARRANTY DEED DATED XX/XX/XXXX AND RECORDED IN THE XXXX COUNTY CLERKS OFFICE ON XX/XX/XXXX IN BOOK XXXX OF DEEDS AT PAGE XXXX. SUBJECT TO PUBLIC RIGHT OF WAY OVER SUCH PORTION OF SAID PREMISES AS MAY LIE WITHIN THE BOUNDS OF THE HIGHWAY KNOWN AS XXXX XXXX XXXX. +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ XXXX XXXX XXXX DEED XXXX, DATED XX/XX/XXXX ALL THAT PIECE OR PARCEL OF LAND SITUATE IN THE TOWN OF XXXX , COUNTY OF XXXX AND STATE OF NEW YORK, BEING PART OF LOT NO. 5 OF GREAT LOT NO. XXXX IN TOWNSHIP XXXX OF XXXX PATENT, DESCRIBED AS FOLLOWS : COMMENCING IN THE CENTER OF THE HIGHWAY WHICH LEADS FROM XXXX TO XXXX KNOWN AS THE XXXX XXXX, AT THE XXXX XXXX XXXX XXXX NOW OWNED BY XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, HIS WIFE, BEING ALSO THE XXXX CORNER OF LAND FORMERLY OWNED BY XXXX, NOW OWNED BY XXXX XXXX, AND RUNNING THENCE XXXX XXXX XXXX XXXX ALONG THE XXXX XXXX OF THE FORMER XXXX XXXX, BEING THE PRESENT LINE XXXX XXXX AND XXXX, 300 FEET TO A STAKE ; XXXX XXXX XXXX XXXX PARALLEL TO THE XXXX XXXX XXXX FEET TO A STAKE ; XXXX XXXX XXXX XXXX XXXX PARALLEL TO THE XXXX XXXX OF THE FORMER XXXX XXXX 300 FEET TO THE CENTER OF THE XXXX XXXX ; THENCE XXXX XXXX XXXX ALONG THE CENTER OF THE XXXX XXXX XXXX FEET TO THE POINT OR PLACE OF BEGINNING, AS SURVEYED BY XXXX XXXX XXXX, SURVEYOR, ON XX/XX/XXXX. BEING PART OF PREMISES WHICH WERE CONVEYED BY XXXX XXXX XXXX XXXX TO XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, HIS WIFE, BY DEED DATED XX/XX/XXXX AND RECORDED IN THE XXXX COUNTY CLERKS OFFICE ON XX/XX/XXXX IN BOOK XXXX OF DEEDS AT PAGE XXXX. SUBJECT TO POWER LINE EASEMENT HERETOFORE GRANTED TO XXXX XXXX XXXX XXXX. SUBJECT TO PUBLIC RIGHT OF WAY OVER SUCH PORTION OF SAID PREMISES AS MAY LIE WITHIN THE BOUNDS OF THE HIGHWAY KNOWN AS XXXX XXXX XXXX XXXX.
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| 04/02/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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On XX/XX/XXXX, I opened an online checking account with HSBC ( {$350.00} sign up bonus ). On XX/XX/XXXX, I attempted to mobile deposit check # XXXX for {$5000.00} into my HSBC account. The money was debited from my XXXX account on XX/XX/XXXX. On XX/XX/XXXX, I attempted to mobile deposit check # XXXX for {$5000.00} into my HSBC account. The money was debited from my XXXX account on XX/XX/XXXX. On XX/XX/XXXX, I noticed that both checks were debited from my XXXX XXXX account but when I attempted to log in into my HSBC account through my HSBC application ( which I used to mobile deposit both checks ), I received the following error " The account or accounts do not exist in your internet banking provile. Please contact us at XXXX for further assistance. Ref. [ PC8 ] ''. Please note that the phone number provided is for their XXXX customer service, which I did not know until later ( please see below ). On XX/XX/XXXX at XXXX XXXX, I reached out to HSBC at XXXX to understand what could have happened to my account. I was on the phone for 17 minutes and 20 seconds. The lady on the phone explained that this account was closed due to suspicious activity and that the checks were rejected on XX/XX/XXXX and XXXX and would be back into my XXXX XXXX account within 7 business days.On XX/XX/XXXX ( I decided to wait a little longer due to the holidays, to make sure I would have waited long enough ), I reached out to XXXX XXXX as the funds were still not credited into my XXXX XXXX account. When I asked what other steps I could take to find my money, the lady stated the only thing she could do to help me was to give me an image of the checks. I informed her that I had access to this but was at loss and was not sure what to do next. She said that could not help me further since the checks were both paid to HSBC, and that HSBC would be responsible for the funds. The same day, I tried to call HSBC but they were closed for the holiday. On XX/XX/XXXX, I reached out to HSBC at XXXX which was the phone number provided on my XXXXSBC mobile application, thinking it might redirect me to a specific department, more knowledgeable about my situation. I was on the phone for 50 minutes when the lady realized that I was a US customer and did not have a XXXX account. I was then transferred to the US phone number, spent 10 minutes on the phone with a really helpful lady who was willing to do a conference call with XXXX XXXX. In the process of setting up the conference call, the lady inadvertently hung up on me.I called HSBC again ( at the US customer service number XXXX ), spoke the a gentleman who transferred me to the ACH department who then let me know that this was the wrong department to talk to as my issue was about checks. The lady from the ACH department transferred me to the general customer service, once again. After waiting for about 30 minutes, I got a hold of someone and I explained my situation, for the third time to a lady. She explained that Check # XXXX was never accepted as it was " reported '' as suspicious funds ( which I assumed she meant by XXXX XXXX ), therefore, they automatically rejected check # XXXX for " not sufficient funds ''. We decided to do a conference call with XXXX XXXX. After a total of two hours of being on the phone, one hour being on the conference call, HSBC stated they could not write a letter stating what happened as my account was closed. XXXX XXXX sent me an Affidavit of Forgery, Unauthorized draft or Altered item in order to have a dispute started. XXXX XXXX claims both claims were deposited at " HSBC 1 '' and " HSBC 2 '' while HSBC claims they never accepted the checks and rejected the money. They also closed my account on XX/XX/XXXX but I received this letter at a later date. On the statement provided, we can see that no money was deposited from XX/XX/XXXX and XX/XX/XXXX. There are trial credits by XXXX XXXX that are showing since I initially tried to transfer the money electronically to HSBC when I opened this account but it appears the funds were rejected ( Even though the account was confirmed with those trial deposits ). XXXX XXXX said that the dispute would take 90 to 120 days.
On XX/XX/XXXX, XXXX XXXX advised to reach out to HSBC to give them the information regarding my missing deposit, which I did on XX/XX/XXXX. HSBC stated that since the dispute was already placed, I would have to keep track of the dispute through XXXX XXXX and HSBC would be reaching out to them. On XX/XX/XXXX, XXXX XXXX stated that they sent a " Without entry Claim '' to HSBC and that the time frame would be 30-90 days. On XX/XX/XXXX, XXXX XXXX let me know that they had reached out to HSBC on XX/XX/XXXX and that HSBC informed them that they were still researching the request. I questioned what would happen after the 90 days mark, to which XXXX XXXX responded by stating that it would take up to 120 days. They asked me if I was able to take copies of the cleared checks to HSBC which I can't, because the closest branch is hundreds of miles away. As of XX/XX/XXXX, I am still waiting to hear back from HSBC.
|
| 12/08/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I have had this savings account for almost 2 years. On the XXXX I linked an external bank account to my checking account at XXXX ( a XXXX Bank that is either part of or uses XXXXXXXX XXXX for its services ) and then 2 days later verified 2 trail deposits that HSBC made to my XXXX bank and the linked bank was activated and then I transferred-in funds from XXXX into my HSBC account on the XXXX. The following day I received an email from HSBC efraudprevention department with Reference Number : - XXXX - they also disabled my online access to my savings account so I could not login. I called them and they verified some information and after several minutes of hold then transferred me again to some other call center possibly in XXXX ( because of the terminology used by the agent ) and was connected to " XXXX '' - he said I was on a recorded line ( would be nice if HSBC can get the recording and hear the recording so I don't have to type the details ). He verified my information again by sending a code to my phone but the texting doesn't work and he called and sent phone by voice and then called back to ask the code and after verifying it and my information asked me for the bank name and I when I told him the amount and the bank name - he seemed confused ( obviously ) because of XXXX combination and I explained him that XXXX is XXXX XXXX company and they use another bank for their services, I provided him the amount of the transaction and he asked if I was the owner of the account, then he asked me for my account number at XXXX but I declined to provide the full account number and he said I could provide the last 4 digits, which I did. Then he said he was not getting some verification from XXXX and I told him he could just cancel that transaction but he told me that if he cancelled the transaction my funds will be on hold for 60 days at their " Partner Services? '' and when I asked him what " partner service '' is and where exactly are my funds now and if they will be at HSBC or not he said they are at the " XXXX? '' When I asked him what that means and I don't understand where my funds are ( whether they are at HSBC or not ) and he was repeating the same info and that he needs to verify but is not getting verification. I asked him how long that will take and he provided some vague info like " if it was a debit transaction we could cancel it but since it is a credit transaction they have to verify it and it could take 3 days '' and I said fine I can wait for 3 days but then he said he was not getting verification from the bank- I also could not understand what he was trying to say at this point. Secondly, I could not understand how the funds will be on hold if the transaction were to be canceled and I asked him where the funds are/will be on hold ( whether at HSBC or XXXX ) and he seemed agitated and told " that is what he was telling me '' and kept repeating the same info " if it is debit it could take 3 days ... etc., '' and if he canceled the transaction it would take 60 days and that I should call XXXX and ask them to cancel the transaction. I told him that it is not possible to cancel an income ACH ( no bank does that in the XXXX, he should know this ) and the bankXXXX not only will be able to cancel it ( I told this to him twice ) but they will not likely entertain me because I am withdrawing funds from their account - add to it that XXXX only provides support by chat. Then he said he could call XXXX and I told him that they don't seem to provide phone support and only by chat but he said he has their phone number XXXX and he tried to call them but they did not answer and he said may be they closed because it was XXXX XXXX XXXX and that I can call back tomorrow at XXXX. Since I was not getting anywhere I asked if I could speak with a supervisor and he said the supervisor would tell me the same thing. In the meantime I logged in to my XXXX account and noticed that funds had already been transferred out and I told him that. I said ok, and I asked him for name and ID or any other number and said his name is " XXXX '' ( I hope is the only XXXX there and that does not help by just giving the first name ) and there was no ID - well, that helps a lot. NOTE : If HSBC wants to verify that I am the account holder by calling XXXX, they can do so by themselves and release funds but I can not call their ( XXXX ) number on the website there is no option to speak to a live customer service and only via chat - if HSBC wants to call them while I am on the phone with HSBC then they need to get proper contact number for XXXX and their hours or whom/to talk to and then call me or email me and let me know so they can properly connect with a rep at XXXX while I am on the line and not waste my time further ( I already wasted almost 5 hours on this issue, obviously each time I call the automated system will ask for my debit pin for the account that I don't have a debit card, and when connected to an agent, I have to explain everything, and go through multiple verification steps, etc., ).
|
| 01/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened a checking account with HSBC on XX/XX/XXXX. They had a promotion at the time, which I have attached a copy of.
The promotion stated that in order to receive a {$750.00} sign up bonus, one must : 1. Open your new HSBC Premier1 checking account online by XX/XX/XXXX ; and 2. Make recurring Direct Deposits totaling at least {$5000.00} from a third party to your HSBC Premier checking account ( s ) per calendar month 3. Receive monthly Direct Deposits totaling at least {$5000.00} into your checking account for 3 consecutive calendar months from the first full calendar month after account opening.
As you can see from the linked offer, there was nothing in the terms about leaving the {$5000.00} deposit in the account.
I opened the account prior to XX/XX/XXXX, thus meeting requirement # 1.
I made direct deposits for more than 3 consecutive months, thus meeting requirement # 2 and # 3, which are the same requirement.
I had the following direct deposits from a XXXX Business account which is how I get paid, as is evidenced in the attached bank statements : XXXX {$2500.00} XX/XX/XXXX {$2500.00} ( {$5000.00} total for XXXX ) XXXX {$2500.00} XX/XX/XXXX {$2500.00} ( {$5000.00} total for XXXX ) XXXX {$2500.00} XX/XX/XXXX {$2500.00} ( {$5000.00} total for XXXX ) That was 3 consecutive months of {$5000.00} direct deposits. As if that were not enough, I continued with the direct deposits : XXXX {$2500.00} XX/XX/XXXX {$2500.00} ( {$5000.00} total for XXXX ) XXXX {$2500.00} XX/XX/XXXX {$2500.00} ( {$5000.00} total for XXXX ) Each time I contacted HSBC, they came up with a different excuse as to why not to pay me the bonus as stated in the terms of the offer.
First, they simply kept telling me to wait longer. Then they said that they see that I did INDEED make the required deposits, but that I was required to keep the {$5000.00} in the account each month. As you can see from the offer terms, this was NOT a requirement.
From an email from HSBC on XX/XX/XXXX : " Upon review we see Direct Deposits were received but did not remain in the account for 90 days. We apologize the promotional funds will not be received due to the 90 day requirement was not met. '' That was false information. The bonus did not require leaving the funds in the account.
Yet another email from HSBC on XX/XX/XXXX. This email they completely contradict the first one. In this one, they again state the terms of the bonus, which again do not include leaving {$5000.00} in the account. They state that I WILL be paid the {$750.00}, but I need to wait another 8 weeks. This is a lie. I met the requirements more than 8 weeks ago. This is simply another stall tactic hoping that I will forget or let this matter go.
" We write to you in response to your inquiry with regard to {$750.00} Welcome bonus.
Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage.
To qualify for the HSBC {$750.00} Welcome Deposit you must : 1 ) open your new HSBC Premier checking account online by XX/XX/XXXX 2 ) make recurring Direct Deposits totaling at least {$5000.00} from a third party to your HSBC Premier checking account ( s ) per calendar month 3 ) receive monthly Direct Deposits totaling at least {$5000.00} into your checking account for 3 consecutive calendar months from the second full calendar month after account opening.
We appreciate you giving us the opportunity to service your account via the XXXX channel. We encourage you to continue to use this service for your banking related inquiries.
You will automatically receive the {$750.00} Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. '' In an email on XX/XX/XXXX, they state that now I will not receive the bonus due to not meeting the 3 months of direct deposit requirements.
" We are contacting you to follow up on the Campaign Query submitted for your HSBC Checking account. Our Campaigns Team has advised the account is ineligible for the {$750.00} bonus due to the account not receiving qualifying direct deposits totaling to {$5000.00} per month for 3 consecutive months. We apologize for any inconvenience caused. '' This is a lie and a contradiction of their first email on XX/XX/XXXX stating that I DID meet the deposit requirements.
As you can see, HSBC is simply stalling and making excuses not to pay me the advertised {$750.00} promotion. I played their games and jumped through their hoops in order to meet their bonus requirements, and now they simply do not want to pay. If you do some googling on HSBC, you will see that this is very common practice with them. Their hope seems to be that most people will either forget about or simply not pursue the bonus that was promised.
I really hope that HSBC will pay me the promised advertised {$750.00} bonus and that we can resolve this matter.
Thank you.
|
| 06/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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Web |
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I've had my XXXX Credit Card since XX/XX/2018 and paid my balance in full on time every month since inception. Recently I tried using the credit card to make a purchase at the grocery store and it was declined so I tried calling to find out what the problem was. I could not get through on the phone as it took well over 2 hours while I sat on hold for a representative so I tried emailing through the BankMail feature that the bank uses to communicate with customers and using the HSBC Chat option however no one would help. I was told that the only way I could use my credit card was to call the Security Dept. to unlock it. They wouldn't even allow me to pay my balance so I was in jeopardy of getting late fees and probably a blemish on my credit report. To avoid that from happening, I had to XXXX my check to some payment center in XXXX where they accepted and cashed my check. I continuously tried in vain to contact the security department at HSBC and was promised a call back numerous times however no one ever attempted to communicate with me.
I've sat on hold for hours to be transferred multiple times and then mysteriously disconnected. I've had my father who is retired sit on hold because I couldn't afford to lose my job sitting on hold during work hours because I was told the department I needed to speak with is only open from XXXX XXXX to XXXX XXXX EST. I called every number in the credit department that I was told to call. My attempts were fruitless.
I even called and sat on hold last Friday and began my call at approximately XXXX XXXX EST but exactly at XXXX XXXX on the dot, I was disconnected intentionally because the hours of operation ended and anyone sitting on hold just gets hung-up on like a piece of garbage.
Yesterday, I sat on hold for 2 hours and 57 minutes before someone would talk with me and then they transferred me so I sat on hold another 1 hour and 42 minutes until someone else finally picked up in the correct department. Even with that horrible experience, it wasn't enough since they use some device which is supposed to instantly confirm an identity of the person based on the telephone number you provide to them and that didn't work with me for some odd reason even though I've had the same number for 10+ years. I then demanded that they close my account but they refused and told me they couldn't talk with me any further. I have a home phone and cell phone and neither was acceptable even though it was good enough for them to open my account to then subsequently freeze it and steel my CashBack balance. It sounds awfully familiar to alot of thee complaints I read on-line. It appears they are running some type of scam only to steal customer funds and not allow you access to your cashback funds.
I provided my account number, social security number, 4 digit private pin that the bank assigned to me and 3 digit code on the back of my card and that still wasn't good enough for them to confirm my identity. I offered them copies of my drivers license, birth certificate and even copies of the utility bill but they wouldn't even consider that. The supervisor in the security department who finally took my call, had the ability to fix this mess with the stroke of a button but refused to unlock my account or accept my payoff even though she confirmed every bit of info that she requested of me to confirm my identity which I still can't understand why I have to do at this point. I can confirm anything in the world to confirm that my identity is who I am but that's not good enough for them. They have never called me even once to rationally discuss this even though I was promised numerous times both on the phone and through the secure Bank-Mail feature on-line that a supervisor would call me back.
You can review my account and see there is no problems and has never been. Maybe it's because I'm young or maybe it's because they discriminate against women. I then asked for the overnight mail address to file a complaint and the woman refused to give me a physical address and said they don't accept overnight mail. Who doesn't accept overnight mail in the banking industry?
I have now forwarded my complaint to you the NY Attorney General 's office is next. I hope an investigation of the banks credit card operations is initiated as a result. I also plan on contacting the Securities and Exchange Commission if they refuse to send me my money within the next 10 days. I'm sure they must be violating all sorts of banking and securities regulations and I hope they get fined to the max. Every single one of the people I spoke to or came in contact with on-line ignored my pleas for help. It shouldn't take an act of XXXX or my father having a stroke to get someone to help a customer that has nothing to hide or hasn't done anything wrong. I can't even close my account for gods sake. Please help me and thank you for your time.
|
| 05/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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good afternoon, the first time I come across this. Not professionalism, and even more so I did not expect. See this from representatives of the bank for which they work in the United States. Around XX/XX/XXXX, I made purchases with HSBC Cash Rewards Mastercard XXXX credit card and everything was fine.
The next day I discovered that I could not find my card - which I suppose was dropped or was stolen in a store. I Immediately Contacted HSBC Support in Mobile Chat. I asked to block the card and send me a new one.
A few days later I saw transaction XXXX XXXX # XXXX XXXX XXXX XXXX in the amount of {$660.00}. The transaction was made 50-100 miles from my city. After that, I again turned to Support in a mobile chat - and the representative AGAIN assured me that I should not worry, and that the card was blocked. At the time of contacting them, there were no Foreign transactions in my balance sheet. When asked why the transaction appeared on XXXX, he could not answer. The representative assured me that he opened Fraud Claim - and this will be processed within 10 days. After about 2 weeks - I did not receive a response from them and was forced to turn to mobile chat for the third time. I was given a phone number where I needed to call to clarify the status. I called the phone number that was given to me - The bank representative said that I did NOT have more than one open Fraud Claim, and she would make a NEW one - more than a month after my first contact with HSBC. I described the whole situation 5 times - and I was assured that I did not need to worry - and that I would not receive this amount in my Bills. It took about 6 weeks from the first appeal - they never contacted me, I called them for the 6th time and they connected me to the Claim department - they said that the investigation is still in progress, and I have to wait - I asked for a temporary loan so that my credit rate fell - but they refused - total about 6 weeks they cant deal with one transaction? After that I still called them 6th 7th 8 and 9 times with a request to connect me with the supervisor or give me a clear explanation of what was happening - they promised me that the supervisor would call me, but this was not done. Ill call 10 and talk with 10 representatives of XXXX and other foreign countries - I realized that this makes no sense. They just dont comply with the terms of their policy, I dont understand how this bank generally got a license in the United States. Later I was informed that my request was rejected. my attempts to find out at least some information or explanations - they ended up simply connecting me to a number that did not answer. 1 ) My question is why the promised protection was not implemented ( We've got you covered with Fraud Alerts As an HSBC customer, you're automatically enrolled in our Fraud Alert program. If we have your mobile number or email on file, you'll automatically be notified of suspicious transaction activity on your HSBC Debit or Credit Card Account. With Fraud Alerts, well notify you by free text message11 view footnote 1 or email if we spot suspicious activity on your HSBC Debit or Credit Card. You can then verify the purchase with a simple text or email reply so you can continue using your card or report it as fraud. If fraud is suspected, we may need to speak with you. 1 ) Why didnt I receive any SMS or E-mail - when {$660.00} was stolen from my card? 2 ) Why does the bank refuse to provide any explanation or to connect me with employees from the USA? 3 ) Why the Bank Refuses to Perform Fraud Protection As an HSBC in our fraud alert program. Point 2 which contains 2 Have peace of mind knowing that HSBC Bank USA, N.A. won't hold you responsible for unauthorized transactions. As an HSBC Debit or Credit cardholder, Zero Liability applies to your purchases made with your U.S.-issued Debit or Credit card in the store, over the telephone, online, or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if : 1. You have used reasonable care in protecting your card from loss or theft ; and 2. You have promptly reported to HSBC Bank USA, N.A. when you knew that your HSBC Debit or Credit card was lost or stolen. If you believe there has been unauthorized use on your account and you meet the conditions above, rest easy knowing you have the protection of the Zero Liability promise. To learn more about additional protections with respect to unauthorized transactions, please contact HSBC by calling the number on the back of your card. Zero Liability does not apply to the following ( or certain ) Mastercard payment cards : Commercial cards, unregistered prepaid cards or gift cards. 4 ) I Demand Immediately to Understand this situation, and remove this transaction from my balance. You can also close your Useless credit card, as I will not use it anymore. Thank you
|
| 01/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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I recently signed up for a new credit card with HSBC USA in XX/XX/XXXX. I received my approval for the card on XX/XX/XXXX.
I'll breakdown what happened in greater detail, but essentially, HSBC has sent three credit cards to me. The first and the second one were stolen in the mail ( I'm assuming in transit ) and I never received them. The third one I had mailed to my parents house in another state, which I did receive and now have in my possession.
The first card was mailed to me on XX/XX/XXXX. I then learned about fraudulent activity on that card because HSBC sent me a fraud email close to midnight on XX/XX/XXXX. I saw the fraud email ( for {$93.00} ) the next morning when I woke up and reported it right away on XX/XX/XXXX. While reporting the fraud, HSBC explained to me that a variety of other charges occurred, the most expensive ( over {$1000.00} ) at an XXXX XXXX. I can't break this down in greater detail because HSBC removed all of the unauthorized charges from my account. I can no longer view them. The total of all these charges ( {$1500.00} ) are shown on my statements as the XXXX purchase, but that isn't right. That total is actually the XXXX purchase plus other additional fraud purchases. I have no idea why all those charges would be combined and labeled as one. Furthermore, I don't really mind how this is shown, as long as the fees have been waived and marked as fraudulent, which from what I can tell and have been communicated, they have. HSBC 's fraud team did tell me recently that the investigation for that balance is still under investigation even though they've removed the charges from my account.
With my total balance of {$1500.00} reversed, HSBC mailed me a new card to the same address on XX/XX/XXXX. This card was again stolen in the mail and used fraudulently. There are four fraudulent charges on this card totaling {$3500.00}. The breakdown of individual charges is {$3400.00}, {$52.00}, {$23.00}, and {$2.00}. HSBC is now holding me liable for these charges. They've denied my fraud claim on the total amount of {$3500.00}. I reported the fraud charges on the second card on XX/XX/XXXX. The HSBC representative I spoke to on the phone assured me these charges would be reversed, but they were not. HSBC is holding me liable for these fraudulent purchases. It is worth noting that this second card was mailed to an incorrect address. I'm not sure if this had anything to do with the second cards failure to reach me or not ( incorrect address shown on email as well as statement ). I'd also like to note that I asked HSBC to lower this second cards credit limit to {$100.00} and/or lock the card just in case this happened again. HSBC said they wouldn't be able to do that, but if they had, all this could have been avoided.
After reporting the second cards fraud, myself and the HSBC representative I was speaking to at the time on the phone agreed that we should send the third card to a different address. I asked them to send the new card to my parents house in another state. The card was delivered successfully to my parents house and I now have that third card in my possession. However, HSBC has transferred the fraudulent balance of {$3500.00} to this third card, has denied the fraud claim I made on that full amount, and is holding me liable for these charges.
HSBC has said there is nothing more they can do on the fraud claim until they can speak to a detective. I have filed a police report and have provided them with a case number. However, I live in a very large city and it's the holidays. The police have said that they may not even assign this case to a detective since they get 15,000 - 20,000 of these types of cases a year! The detective that I need to speak to who determines if this case will get investigated or not is on vacation until XX/XX/XXXX. The police did say that I will need to get the addresses that the fraudulent transactions were made at if the case is to have any chance of being investigated and I need to verify they were made in person, not online. HSBC has been reluctant to give me any details about the transactions, so this may prove difficult to get for the police. I will follow up again on my end with the police next week.
I noticed various odd things happening throughout all of this. Such as getting text messages and emails about my HSBC account, almost if I was prompting them myself. I figured this was normal since I had just signed up for a new card with HSBC. However, looking back, I realize that these occurrences were most likely being initiated by someone trying to use my card.
I can provide statements, emails, screenshots, etc. of all the documentation I have on this matter. However, Im choosing not to upload any at this time due to concerns about sensitive information being revealed.
Ive also began making the minimum payments on this fraud balance.
|
| 08/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
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I have a joint HSBC checking account with my daughter, who lives out of the country. On XX/XX/2019 her wallet was stolen from her ( cross body ) purse on a bus in XXXX. She immediately told me and I helped her contact all the entities that might be impacted. Included in the wallet was an ATM debit card from the HSBC account which she had never used. There was a note on the card with the PIN, which I had given her ( and told her to take off! ). There were no translators available by the time she tried to go the same night, so the next day, XX/XX/2019, she went to a local police station and made a theft report. She included the HSBC ATM card in the report listing what was in the wallet that was stolen. Meanwhile the card was used 5 times in XXXX at ATM ( s? ) for withdrawals adding up to {$1000.00}.
I contacted HSBC on her behalf on XX/XX/2019 to contest those withdrawals as unauthorized. A few days later, dated XX/XX/2019, she received a Fraud Claim Form to complete. I filled it out for her, but it required a signature, so I called HSBC who said I could sign it for her. I did so, sent it back and attached the police report. A day later, but dated XX/XX/2019, we received a letter that the case had been closed and the transactions were found to be authorized!
I then called again, requested the documentation as the letter stated would be provided, asked that the case be reopened in light of the police report, which apparently hadn't been received when it was closed. Then followed weeks and months of calls and emails during which I was promised many things, including a provisional credit of the {$1000.00}.
I contacted the Assistant VP who had originally opened my account, XXXX XXXX, via phone ( XXXX ) and email ( XXXX ) on numerous occasions to ask his help. I called the Fraud department ( XXXX ) numerous times and each time was told it was being investigated, but no, I couldn't speak to the investigator, etc.
I did some research of my own on the CFPB website, and brought to XXXX 's attention Comment 6 ( b ) -2 of Regulation E which specifically addressed writing the PIN on a piece of paper kept with a debit card, and that it does NOT impose greater liability than is permissible under Regulation E. I asked XXXX to forward this to the investigator and Legal Dept and was told he did so.
After I was finally promised the provisional credit by XX/XX/XXXX, by a supposed supervisor who gave his name as XXXX XXXX ( XXXX ). I sent a very detailed email to XXXX outlining what I had been told, what I had said and what I was requesting he do. That was sent on XX/XX/2019. I have to this date, XX/XX/2019, never heard from XXXX again.
Having gotten no response from XXXX, I contacted the Vice President and Senior Branch Manager, XXXX XXXX, XXXX We had a conversation in late XXXX, XXXX XXXX ) and I forwarded to him all the numerous emails I had sent to XXXX XXXX ( XXXX ) He was much better about keeping me informed. Ultimately I received a voicemail from XXXX on Friday, XX/XX/XXXX asking me to call him back. When I did so within 30 minutes, he told me he " regretfully '' had to tell me that the case had been denied again, but that he was authorized to " split the difference '', and offer me {$500.00}. He said he had " taken it to senior leadership '' and they were in agreement that HSBC was not responsible due to " negligence in having the PIN with the card ''. I was, of course, furious.
I asked if he had spoken with the Legal Department and what their answer was to the law I had cited. He said they had. I asked for the documentation supporting their decision, which I had still never received about the first letter. I made it clear I wanted specific legal authority, including citations, and the facts supporting the decision. I told him that they were making a discretionary decision that was NOT supported by the law. I also asked for the name of a higher level person to whom to appeal.
Meanwhile I told him I would think about his offer. He sent me an email on XX/XX/XXXX stating that he had spoken to the " fraud and client escalation teams and a letter is being drafted to you explaining the reason for the denied fraud claim ''.
About a week later I received a letter dated XX/XX/2019 with the EXACT same wording as the first letter, with the name of XXXX XXXX ( it was not signed ). There was no explanation of the declination, no supporting documentation or law cited. There was NOTHING supporting the denial of the fraud claim. Again it said we could contact the sender, at the same number as the first letter.
I have all the emails I sent, and sent to me. I have the XXXX Police Report, a copy of the Fraud Claim Report I submitted, as well as the two letters denying the claim. I also have names and dates and times of all the many calls I made. I am happy to provide any and all information needed.
|
| 04/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
YOUR COMPLAINT On XX/XX/XXXX @ XXXX hrs I received a phone call from a XXXX number. The message left on my voicemail was an urgent message for******* ( yes they pronounced my name wrong ) formerly known as ********. Need to resolve a matter resulting in a judgement of my current property at my current address. or they'll call my place employment to resolve issue. I haven't worked for any employer for 3 years, i was medically XXXX and given XXXX. They then gave me an XXXX with a reference number of XXXX. So I called back @ XXXX hrs and during this XXXX minute XXXX second conversation i was harassed, my XXXX made fun of and was demanded to answer questions or id be sued in court. Then hung up on.
All the information i got was the company was a XXXX XXXX? I asked what that was and I was taunted with " you are totally in the dark about this whole situation? '' Let me put you on hold. XXXX minutes later I was asked again if i knew what this was about. I said, i have no idea. Then he proceeded to verify some of my information. I refused to give my ssn because I wasn't getting enough information back making this a legitimate business office. About XXXX more minutes into conversation he still wouldn't tell me who he was but only said that XXXX XXXX services was a legal company looking to obtain payment of a debt.
The last few minutes of conversation on his part got heated, still being confused about a credit card through XXXX XXXX that was dismissed 10 years ago through bankruptcy. His demeanor was consistently hostile. I stopped him and said my XXXX wouldn't allow the conversation to continue, he then proceeded to say i was too young to have XXXX and not being able to work. I then stated i had XXXX really bad and wont answer anymore questions until he's more pleasant. He then said XXXX has nothing to do with answering his questions. I then stated it has everything to do with the way you're talking to me. In fact, he said by you not answering my simple questions you are denying to make payments and ill note that on file. He also stated that he'll put a lein on my home that i own at the address on file. I said, what home? I don't own a house? He said, " you don't own a house with your husband? And he began to say my fathers name, i guess thinking he was my husband under my maiden name. I said no, thats my fathers name and he owns that house. He then in return said that, ok, well we'll put a lein on any future inheritance of property. I stopped him and said, listen to me, im not getting an inheritance and you are making stuff up. He then angrily said i was refusing to answer his SIMPLE questions that even someone with XXXX could answer and if i can't pay then he needed my husbands information or that other family members can pay my debt. I said you are getting rediculous here. I then said listen to what im telling you, he then proceeded to interrupt me angrily and said you are refusing to pay and we're going to put on record your blatantly disregarding and refusing to pay. He said we're going to sue you and good luck with that in court and he just hung up and ended the call at approximately XXXX hrs.
For XXXX, none of the information he was giving me was correct, so if he was going to sue me the judge wouldn't waste his time with it. He was harassing and he made fun of my XXXX. When he was wrong about information he threatened on numerous occasions to call my employer to verify employment ( in which i haven't worked in 3 years ), put a lein on my parents home and sue me for non payment.
I hope they record all their conversations cause they're not supposed to hang up on you. He never gave me a chance to talk. I was stuttering so bad with him because of my XXXX when he became threatening in the conversation. I advised him i had a mental XXXX and couldn't comprehend simple instructions or questions in a timely manner. He didn't care, just said i was too young to be XXXX. Im assuming there is a law protecting Americans with XXXX from threatening conversations from debt collectors.
A month prior I did receive a letter stating that the debt is too old to sue me and sent me a payoff bill and if i chose to make a payment then it could be reported to credit bureaus and i could be sued for non payment.
For one, the credit card was XXXX 10 years ago through bankruptcy so i ignored it because that debt was cleared. I tried to explain that to this disgruntled employee who likes mistreating people with XXXX and makes threats over the phone but he didn't want to here what i had to say.
Companies and their employees like these need to be held accountable for their actions for being verbally abusive and belittling people. He said what he said because he wasnt being recorded nor did he think i would pursue his actions for accountability to his threats
|
| 03/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
This complaint to CFPB is about wrong doing in customers service of XXXX XXXX.
My son XXXX XXXX and his wife XXXX XXXX are XXXX XXXX customers for many years. For same period of time I have XXXX in their account.
Special complaint about bad customers service in XXXX XXXX was mailed to HSBC XXXX XXXX in XXXX in XX/XX/XXXX. As it became known the letter was remailed for response to XXXX XXXX. So far XXXX XXXX response is absent.
The facts of XXXX XXXX wrong doing violating customers financial rights are following : 1. From XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is not clear who are main managers in this bank.
2. It was requested three months of phone, chat, emails communications to get new debit card in exchange of one which was announced by bank as invalid. Such outrageous procedure is a good illustration to bank fraudulent and humiliate policy. The person XXXX who is named as XXXX XXXX President and CEO didnt response on my letter about debit card problem.
3. Look at XXXX XXXX XXXX XXXX ) On this website there are only phone contacts when bank agents are factually irresponsible for the information given by them and try to record only what is said by customer. There are no any written forms of contact fax or email which can make bank agent be responsible for all information given to customer. Only way of contact is postal mail to XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX, NY XXXX. The headquarter address XXXX XXXX XXXX, NY, NY XXXX is not published.
b ) Bank agent in chat has very limited rights to really help to customers. Copies of chats were applied to letter to XXXX.
c ) Phone of headquarter XXXX is fraud. Real phone XXXX is XXXX. But by this phone it is impossible to reach anybody. You can check yourself.
d ) Customer Feedback is fraud and really cant be provided. You can check yourself that there is no any opportunity to send feedback.
4. Only opportunity to contact with bank agent by email is to open account ( so any other person who is interesting to become bank customer has no any opportunity to contact the bank in written form without ugly mailing ). They name it Bankmail. But to get such opportunity it should look at account website on really invisible micro envelope picture and click on it. After clicking you will see View all messages. That is fraud. Customer can see texts of messages sent by HSBC agents. The messages you printed and sent to bank it is impossible to see. That is another fact of irresponsible XXXX XXXX service policy. Only for XX/XX/XXXX I received from bank agent 7 messages as responses on my 7 emailed requests and questions about renew of debit card.
That is example of last bank response on XX/XX/XXXX : XXXX : Possible Account Error ( XXXX } Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX, XXXX.
We are sorry to hear that you have received service that has been less than satisfactory. Your comments was previously forwarded to our Management Team for further review and future enhancements to the level of customer service we provide. With regard to your replacement Debit MasterCard, we notice that some information has to be verified. As such, you may contact our XXXX XXXX Department XXXX between Monday - Friday XXXX XXXX - XXXX XXXX XXXX. The option to view the BankMail which are sent by you is unavailable. You may only view the BankMail response which you have received. We apologize for the inconvenience and delay caused by this matter.
Thank you, HSBC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. All Rights Reserved.
There is no any reaction from Management Team which is factually not exist.
XXXX As an example of service with respect to legal rights of bank customer as me is XXXX XXXX. Look at https : XXXX. Text of this website is applied to letter to XXXX.
In conclusion to letter to XXXX it was stated : Conclusion : Considering XXXX XXXX actions with such customer as me and my son shown above as actions of gang of scams, I request : 1. To replace current main managers of XXXX XXXX on more responsible persons who know what kind of respectful service should be provided to XXXX XXXX customers with great amount of attention to service experience provided by XXXX XXXX about feedback, complaints, email addresses and fax XXXX for written contacts with real and potential customers.
2. Immediately to order to XXXX XXXX to deliver to me by my address in XXXX, NY, mentioned above, not by mail but by bank messenger, new debit card and manual of XXXX XXXX policy which should be exampled from XXXX XXXX manual. ( The card was finally delivered to my son after great efforts described above ).
3. Immediately to order to XXXX XXXX to provide in contact with customer through account website ( Bankmail ) the texts of messages sent to bank by customer.
|
| 04/17/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Please see the attached unlawful reason for denial of my PPP application from hsbc bank and this was done to all the XXXX applicants with small businesses that i know of but do not have any business accounts because they do not have enough money to keep in a business account that demand a maximum-minimum of about {$20000.00}, {$50000.00} and {$100000.00} balance requirement daily. We can not afford those business accounts. For those reason we should not be left out of the PPP application from these big banks for those reason, and it is mainly minorities us that are being left out.
TO : US Small Business Administration, US Attorney General, NJ Attorney General, New York Attorney General, US White House, US Congress, US Senate From : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX, XXXX, Subject : Cares act ( the bank only looked at the application of its favourite companies that it makes most money from, and deny true small businesses even the ability to apply if they do not have a business account with them, most small business do not have a business account, and even more so when the small business is minority owned ).
The major banks that Congress, the senate and the president gave complete power to process the PPP loan application did not use the first come first serve fair process but instead shift through the applications for their favourite companies that they make the most money from and for some reason, these are all XXXX owned.
These banks barred all true small businesses who do not have a separated business account at their bank from applying at their bank, the people who are mostly affected by this are minorities, especially XXXX folks, XXXX, and women.
These banks that cares act gave total power to administer public funds have used discrimination, egregious and outrageous conduct in excluding true small businesses from applying and those few true small businesses who were lucky to sneak in their application to the bank, were ignored even thou their application were the earliest of the application, the banks decided to not process them because the banks focused on which businesses makes them money. My true small businesses and the 2000 small businesses that I have assisted and advocated for are victims of these banks and federal government unlawful conduct.
For this reason the over 2000 true small businesses I am respresenting did not even got their application looked at, most did not even get to apply because all the banks like HSBC, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX etcetera all said they are not taking any application from any small businesses unless they have a business account there, it does not even matter the owners has personal accounts at their bank.
I am asking for an investigation and I am informing that a class action lawsuit is about to be filed not only against the banks listed above but against the government agencies for violation of our constitional rights and making public funds only available to the private banks and their friends, the rich and powerful. There was literally no method employ that gave everyone a fair and equal chance of getting these Cares Act loans. It was design only for the wealthy and connected.
The damages being seeked will be {$50.00} XXXX dollars in damages for the government and banks tortious conspiracy to deprive regular true small businesses with no connnections and friendship with the rich and powerful individuals and banks from getting a chance of being approved.
An investigation is being requested into HSBC, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Congress, Senate, Small Business Administration, democratics and republic currently in the senate and congress and any part of the legislative and executive branch of the US Federal Government. What XXXX would put private banks in charge of processing this kind of funds?
Any person currently elected in the congress, senate, executive branch of government needs to be VOTED OUT of office PROMPTLY for allowing, aiding, abetting and conspiring with the banks and allowing this law to pass that gives private bank this kind of power to pick and chose whose application they accept or process. Causing severe and horrific financial harm to true and more vulnerable small businesses. And the amount of money these applicants wanted for assistance was 10 % smaller than than granted amount he banks gave to their friends and favourites.
I am calling for all my clients to vote no to anyone currently in office. It does not matter what office and what political party. For these reason a class action lawsuit will be filed against the defendants listed in this letter for {$50.00} XXXX dollars, {>= $1,000,000} submitted by XXXX XXXX
|
| 12/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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I have been contacted several times in the last XXXX weeks be XXXX XXXX XXXX claiming that I owe money on a credit card that has gone to collections. They are stating that they have tried to mail me proof at an address I last lived at in XXXX. I have explained to this company that I dispute the validity of their claims and to please send me proof of this debt. I have even gone so far as giving them my current address. They have told me that they have already sent it out to my old address and that they were going to take me to court to sue me.
The amount they say they will settle the $ 3000+ account for is roughly {$650.00}. I am fairly indifferent to the amount as I do not believe I owe this debt. I have explained to them that I have exceptional credit and that I have zero delinquent accounts. They have threatened me that my credit will be negatively impacted unless I pay them immediately.
XXXX XXXX has also made accusations that my last payment was in XXXX. I find this claim to be 100 % false and have demanded proof of both the debt, and the last date of payment. They have provided no written proof.
I am at the point where I need closure on these accusations of delinquent debt. I am more than willing to pay a debt if I am proven to be negligent, but I am certain that this debt is not legit. I am asking that XXXX XXXX sends me itemize as noted below ; XXXX XXXX must supply the information below so that I can be fully informed : Why they think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When they identify the original creditor, they must provide any other name by which I might know them, if that is different from the official name. In addition, they must tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, they must provide a copy of the written agreement that created my original requirement to pay?
If XXXX XXXX is asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Has XXXX XXXX made a determination that this debt is within the statute of limitations applicable to it? Tell me when they think the statute of limitations expires for this debt, and how they determined that.
Details about their authority to collect this debt.
I would like more information about their firm before I discuss the debt with them. Does their firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If they are contacting me from a place outside my state, does their firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
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| 04/05/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I applied for an HSBC Advance Checking account using this link ( https : //www.us.hsbc.com/checking-accounts/campaigns/offers/ ) back in XX/XX/2018 and deposited {$25000.00} to receive the {$350.00} welcome bonus. The terms for receiving the bonus were basically : 1. deposit {$10000.00} and 2. keep the {$10000.00} in the account for 90 days. Their terms also noted that it takes 8 weeks for the welcome bonus to be deposited. After approximately 5 months, which is more than 90 days plus 8 weeks, I still did not receive the bonus.
When I contacted the bank about it, I discovered a false note had been placed on my account by a customer rep I had previously spoken to. This note claimed that I did not use a valid link to qualify for the promotion. I am confident that I had used the right link. It is extremely negligent of the bank to rely on these " notes '' where the agents can add whatever they want with zero oversight or fact-checking rather than just actually check the source link my application came through. ( I was also appalled that agents were given so much power in altering customers ' accounts without their consent or knowledge. Never mind that the call had been an extremely poor customer service experience where the agent refused listen to what I was saying and kept interrogating me and insisting that I must have used an invalid link -- I vaguely remember feeling very tired of arguing. The fact that agents can go in change things on customers ' accounts just to XXXX them over out of pure malice or personal vendetta is very, very concerning. The last rep I spoke to tried to claim that they don't have this power even though my trouble with getting the bonus proves my point. ) The only other potential issue that might have caused the bank to claim I didn't use the right link was that when I initially applied, my application was delayed because of verification purposes. At the time I had expressed concern to the phone rep I spoke to about the delay potentially affecting my eligibility for the bonus promo. I was reassured that it wouldn't as long as fulfilled the terms ( deposit {$10000.00} and keep it there for 90 days ). This alternate explanation for what happened does not put HSBC in positive light either. In this case, it seems like the bank purposely interrupts the application process and redirects or restarts them elsewhere in the system so that the source of the application no longer appears to be from the promo link. I find it disgusting that a bank would engage in such dirty, shameful tactics to scam customers and get out of paying bonuses that were written in the terms and conditions.
I see that many other customers have experienced the exact same thing where HSBC claims that they did not use the correct promo link to get out of paying the bonuses. It seems to be standard practice for HSBC to make up this claim in order to avoid upholding their end of the contract. It makes me wonder what other false claims the bank or its customer service agents might make about my banking activity in the future in order to profit at my expense. Perhaps the {$10000.00} that mysteriously disappears from my account one day is apparently a totally " '' legitimate, verified '' '' transfer I " '' asked a rep to help me make '' '' according to some " '' note '' '' an agent put on my account.
Based on my personal experience, HSBC is at best extremely negligent by allowing their customer service agents to make whatever changes they want to customer accounts without any oversight and follow-up confirmation OR they are extremely dishonest and predatory by purposely disrupting and redirecting/restarting applications so they can cut off the applications ' original connection to the promo link and disqualify customers from receiving the welcome bonuses.
The last I heard from them is that an investigation has been raised and that this will be resolved within 2-3 business days. That has passed as well. Maybe HSBC coincidentally hires agents who tend to go rogue by altering customer accounts on whim, ignore customers, and/or lie to customers. But reading other reports to the CFPB gives me the sense that this is their standard protocol and perhaps they actively train their agents to carry out these acts so they they can take advantage of customers and get out of paying the welcome bonus. This was my first time banking with HSBC, which I thought was a reliable, trustworthy institution given its global presence. Turns out they're a bank that is prone to lying to customers and altering customer accounts with zero transparency and consent. Really regretting taking the leap of faith in thinking they were a bank with any integrity. Turns out they and their customer service agents have none.
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| 02/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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In XX/XX/XXXX, I received a credit card in the mail, that I did not apply for.
As soon as I got the card in the mail, I called the company, HSBC XXXX, to report fraud. This was on XX/XX/XXXX. I spoke with XXXX, in the fraud department and she said she would close the account and gave me a fraud claim reference number, # XXXX. Later, I received a letter regarding a returned check for {$9900.00} from the same account. I called again on XX/XX/XXXX and spoke with XXXX to file another fraud claim and ask why the account wasn't closed. He assured me that they already " flagged '' this account as fraud, that no charges went through successfully and I was not liable for any activity.
I then filed a claim with the FTC, ( Federal Trade Commission ), right away and sent a follow up letter to HSBC XXXX on XX/XX/XXXX, that I printed from XXXX. I also filed a police report, with the Police Department, I have the case number when needed.
In the end of XXXX, I received a statement showing multiple charges, starting with a deposit on the card for {$9900.00}, the same amount as the first attempted withdrawal ( in the form of a check ) and first charge I disputed. ALL of the the credit card charge details show the same thing, " Medical Purpose XXXX Debit HSBC XXXX '' to a XXXX XXXX XXXX XXXX. This obviously is a serious warning sign for any credit card company as fraud and to freeze the account. The credit card charges and dates are as follows : XX/XX/XXXX - Opening Balance = {$0.00} XX/XX/XXXX - Deposit = {$9900.00} XX/XX/XXXX - Withdrawal = - {$4300.00} XX/XX/XXXX - Withdrawal = - {$4700.00} XX/XX/XXXX - Return of Deposit item = - {$9900.00} XX/XX/XXXX - Return of Deposit item = - {$9900.00} XX/XX/XXXX - Chargeback Fee ( 001 Items ) = {$10.00} XX/XX/XXXX - Chargeback Fee ( 001 Items ) = {$10.00} XX/XX/XXXX - Interest Paid from XX/XX/XXXX thru XX/XX/XXXX = XXXX XX/XX/XXXX - Ending Balance = - {$18000.00} As I mentioned, I called to report fraud and closed this account. ( or so I thought ). This company never filed a dispute and allowed charges to go through under another name in another country. Not only that, I did not receive these statements until XXXX.
When I received this statement, I was livid. I called to dispute again on XX/XX/XXXX and spoke with XXXX. He was no help and could not answer simple questions, like " Why '' and " How ''? Nor could he find the fraud case number I was originally given.
I asked to speak to a Manager, she was honestly no better, her name was XXXX ( pronounced XXXX ). She located the case number, but could not explain why the account was never closed. I explained that the second rep I spoke with in XXXX, XXXX, said they flagged the account and that no charges could go through. The reps kept telling me not to worry, as " I wasn't liable for any of these charges ''. As if that makes me feel at ease, that someone can open a credit card in my name and rack up over {$18000.00} worth of fraudulent charges. Also, it DOES effect me when it goes to collections and brings down my credit score. No one would listen to me, assist me, or answer the simple question of how could this happen and I need a reference number showing this account is actually CLOSED this time. She would not give me a reference number, she said she can not do that and could not even explain to me as to why. I insisted she give me something before I got off the phone and asked for her employee number, she gave me the spelling of her first and last name, " XXXX XXXX '', wich she said would account for the reference of the conversation, as it was being recorded. ( I really have no way of knowing that ).
I received a few other statements, showing the same amount owed. - {$18000.00}, and stating that they were now " closing the account '' due to non-payment. I could not follow up with Identity theft, due to the Government shut down, the site too was shut down. Once back up, I am following up on the claim. I printed another letter to HSBC from the Identity theft website and will mail it today. I have already spoken to 4 different representatives at HSBC, which got me no where. It it pretty clear that they did nothing so they could let the charges build up, get their money and move it to a collection agency. I am at a loss for how to move forward. I am thinking to get a lawyer, as this company was more than negligent and could have prevented all this from happening. I also do not want this to happen to anyone else. Please contact me, and advise me on how to move forward.
Thank you.
P.S. I HAVE COPIES OF ALL STATEMENTS, NOTES, ETC. AND CAN PROVIDE. This site says not to put anything personal, so I will wait to send to the correct person ( s ).
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| 08/24/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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text from XXXX Text XXXX Tues XXXX XXXX XXXX, important documentation delivery failed. Call XXXX. Refer to acct XXXX for document details. Text STOP to OPT out.
text Weds XXXX XXXX XXXX we have tried to contact you regarding to a document issue. Call us back at XXXX. Refer to acct XXXX Text STOP to OPT out.
Text XXXX XXXX This is an attempt to reach XXXX. To avoid further escalation, please call XXXX. Reference Acct # XXXX. Text STOP to OPT out.
And have begun ( not sure how they got my wife 's cell phone # ) texting her asking if she knows me or knows how to find me or contact me.
Never ever received any notice of a " law suit going to be filed tomorrow '' re : some supposed HSBC or XXXXXXXX XXXX '' legal claim. Did not tell me the dates or age or much other than I had till Friday to do something to settle right now the money claim or they go to court and file suit against me.
Would not tell me address, or any information other than be very rude, threatening, and coercive to get money or restitution agreement from me right there on phone.
XXXX XXXX Country : XXXX XXXX area code : Massachusetts ( XXXX, XXXX, XXXX ) Read comments below about XXXX. Report unwanted calls to help identify who is using this phone number.
XXXX XXXX XXXX XX/XX/2023 | 2 replies Received a ridiculous text from this number asking me to call XXXX. I hope that the residence that is listed above is not going to be the phone that is sending this out.
Caller : Did not say Call type : Text message Reply!
XXXX XXXX replies to XXXX XXXX XX/XX/2023 There is no " residence '' listed above. You have the only post in this thread. I also find it hard to believe that they did not give any sort of reason for calling that number.
Reply!
XXXX XXXX replies to XXXX XXXX XX/XX/2023 I've gotten the same messages - something about documents but no information - who, what, etc.
Reeks of spam or phishing...
Reply!
XXXX XXXX XXXX XX/XX/2023 | 5 replies I also get tests from this number that look like this : We have attempted to contact XXXX several times. To avoid further contact efforts, call XXXX. Acct # XXXX. Text STOP to OPT out.
Caller : Scam Call type : Scam suspicion Reply!
XXXX XXXX replies to XXXX XXXX XX/XX/2023 | 4 replies I have gotten 2 texts one from XXXX XXXX today and one from XXXX XXXX on XX/XX/XXXX, both have same XXXX .No info/ no name of caller.I am turning them in to my AG.These messages escalate to a threatening request for you to call.
And i am treating as such.
Reply!
XXXX XXXX replies to XXXX XXXX XX/XX/2023 | 1 reply I received the same text message. Stating that theres document issues and I need to call back. Total scam Reply!
XXXX XXXX XXXX XX/XX/2023 | XXXX reply I keep getting the same texts from XXXX and try to report as junk via my text provider, but they still keep sending them.
Call type : Text message Reply!
XXXX XXXX replies to XXXX XXXX XX/XX/2023 yes, I am also receiving multiple of such messages from various numbers but including that XXXX account number from within the message. The common number given within the message to call is XXXX XXXX XXXX or XXXX. I place a block but they change the number they are ccalling from ; Thretening need for my response to docs they have but no ID of who they are..
Reply!
XXXX XXXX replies to XXXX XXXX XX/XX/2023 Same msg I just received Reply!
XXXX XXXX replies to XXXX XXXX XX/XX/2023 I got the same messages from the same # XXXX they said it was in regards to the hospital bill I have thats due Reply!
XXXX XXXX replies to XXXX XXXX XX/XX/2023 Got the same message with in the last few days it can be very annoying because are using my data any time to submit. For scam get a job people Reply!
XXXX summary and related numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX # locations no website even though it lists one Firm Details Firm Size 1 Though the operator or multiple people who answer claim there are many attorneys And lawyers who answer from XXXX location only give out XXXX XXXX XXXX and not the address in XXXX GA Others answer as if in Mediation Dept , others then answer only as Legal Dept, and still others claim other departments?
XXXX XXXX XXXX XXXX XXXX Member profile details First Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Member Email Address XXXX Member Phone Number XXXX Member Fax Number XXXX Member / Firm Description ( Viewable in the Member Directory Listing ) Attorney Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Older American |
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HSBC Bank USA, NA Gold Master Credit Card customer made a {$1000.00} payment on XX/XX/XXXX electronically through a bank to bank payment ; the minimum payment requirement had been met previously ; the outstanding balance posted at the online website for the HSBC bank USA gold master credit card showed a reduction of the current balance by the {$1000.00} ; however, the available credit did not reflect the payment several days even after having cleared the customer 's own bank account that made the electronic payment. The customer called and spoke to representatives both in the XXXX XXXX location and the XXXX XXXX location and was told that the payments made would not be reflected in availability for at least 10 business days and that that was due to " afloat. '' Customer flummoxed by this policy with regard to an electronic payment also was advised that in the written terms of the agreement this policy was stated ; however, the customer checked the written documents and couldn't find an applicable section of the agreement and requested that a copy be mailed to him. More egregious was that the sequence of steps that were necessary to make an online did not reflect this policy and only referred to " payment submitted after a particular evening Eastern time will process of the next business day '' " payment can be scheduled after 30 days in advance. '' " Terms and conditions " did not reflect any hold or reminder caveat, as a consequence even though I had made sufficient payment to cover recurring payments that would've been covered by the {$1000.00} payments and would be within the province of the online current balance, since the {$1000.00} payment was on hold and not actually available, new transactions would be rejected and render the MasterCard unusable for the duration of the hold. When this customer called and spoke with the various locations for the credit card department, no remedy or recourse was provided nor was there a sense by this customer that the bank would follow-up and contact me. I advised the HSBC bank representative in my most recent call on XX/XX/XXXX with a Ms. XXXX in the XXXX XXXX location that the website needed to be corrected and that the payment transaction protocol online was deceptive and misleading.
HSBC Bank USA, N.A.MasterCard 's online communication is also problematic : calls that I placed to the XXXX location often dropped out ; the website surprisingly is unstable : this customer while processing an online transaction got an error message and an apology that the website couldn't process the payment during the afternoon of XX/XX/XXXX ( error reference # XXXX XXXX XXXX ) Also the " terms and conditions '' rectangle on the make -a -payment section of the website has confusing authorized recipients, for example a recent trial payment using the website has the following terms and conditions : " by clicking the submit payment below you authorize XXXX XXXX card services to debit your account in the amount listed above on the indicated date. '' When I asked the credit card that : " who is or what is XXXX XXXX card services? '' the HSBC credit card rep had no idea ; I queried whether there were a technical support division and was told that " No, '' simply with whomever I spoke that person would create a ticket. ( Providing the customer with no sense of having a meaningful recourse to reporting a problem. ) Furthermore, when this customer wanted to make a " trial {$1.00} payment '' online so that the customer could print out what is seen, the terms and conditions section reflected a different authorizer surprisingly XXXX -- - which is indicated as the company that would be authorized to debit the account. In fin, the holder float policies employed by HSBC bank MasterCard are deceptive and misleading -- - both the written orally stated terms as provided by the bank representative when one calls -- - but more egregiously by the format provided to the customer when making a payment online.
This customer plans to discontinue using HSBC Bank USA MasterCard services. Customer found communication options quite limited : the 800 number only defaults to the department located in either the XXXX or XXXX ; there is no fax or direct telephone number or email to the USA division located in XXXX New York and one is provided only with a po box address. ( Customer noted a chat function available at the web page ; however customer preferred to speak with someone rather than getting caught up in typing text, etc. '' ) please note that based on the cautionary advice provided by the service, this customer did not upload the payment section of his MasterCard account.
|
| 06/22/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/XXXX I clicked on the a HSBC banking offer to get 3 % cash back ( up to {$600.00} ) for new customers who open an eligible HSBC XXXX checking account with qualifying activities. I opened a XXXX Checking account and set up direct deposit from my job so that I would be eligible for this promotion.
When I was looking through my first bank statement I noticed a few cents of interest instead of the 3 % deposit match that I had signed up for. On XX/XX/XXXX I first called HSBC - Was told I my account was eligible for the bonus, I just had to wait for it to post.
Called again XX/XX/XXXX after the few cents of interest were paid again in XXXX and XXXX Was given a case number and then when I was called back I was told the same thing. I was eligible for the bonus, I just had to wait for it to post.
Called XX/XX/XXXX - Rep had no record of my previous conversation where I was told I was eligible for the bonus. Was told that someone would contact me. As far as I know and remember, no one reached out to me.
XX/XX/XXXX - I sent an email to see if I would have better luck with the online team. They sent me this email : " Re : Checking Account Inquiry ( XXXX Message date XX/XX/XXXX Dear XXXX XXXX : Thank you for being a valued Premier customer and for contacting HSBC Bank USA, N.A.
We understand the importance of your XXXX inquiry about the promotional the account bonus.
For better assistance with attaching the promotional offer, please feel free to contact us by calling XXXX, initiating a Live Chat with an HSBC agent at XXXX.
For additional information on the products and services HSBC Bank offers, please visit us at XXXX HSBC has launched a new messaging channel for XXXX users! Messaging through your XXXX app is available at your convenience. It allows you to pause the conversation when needed and easily pick up where you left off. Try out the new feature XXXX. We look forward to servicing your banking needs!
Thank you, HSBC XXXX XXXX HSBC Bank XXXX, XXXX. XXXX. All Rights Reserved. '' So I called that same day XXXX XX/XX/XXXX ) and was told that I didnt click on the correct button so that wasnt eligible for the bonus. I told the rep that I had a screenshot of the offer I clicked on and she told me that she didnt have a way to receive that screenshot but she would make a case for me and escalate my request.
Called XX/XX/XXXX. The rep had no record of my case number and I never wrote it down. Was given a new case number : XXXX. After several back and forth phone calls ( XX/XX/XXXX ) I was told to send the screenshot of the offer to the reps boss I clicked on. I sent the email and the screenshot to XXXX. Never heard back from him.
Emailed XX/XX/XXXX asking about the status of my case. Was sent this email : " Re : Checking Account Inquiry ( XXXX Message date XX/XX/XXXX Dear XXXX XXXX : We appreciate your BankMail with regard to the status of the bonus associated with XXXX Checking account.
Your request is forwarded to XXXX XXXX XXXX for further assistance. We will contact you shortly with additional information on the status of your request shortly.
HSBC has launched a new messaging channel for XXXX users! Messaging through your XXXX app is available at your convenience. It allows you to pause the conversation when needed and easily pick up where you left off. Try out the new feature www.us.hsbc.com/abc. We look forward to servicing your banking needs!
Thank you, HSBC XXXX Team HSBC Bank USA, N.A. XXXX. All Rights Reserved. '' XXXX XXXX XXXX never responded to me. I sent another email XX/XX/XXXX asking if there was a number I could reach him at. This is the latest email and my last correspondence with HSBC " Re : Checking Account Inquiry ( XXXX Message date XX/XX/XXXX Dear XXXX XXXX : Thank you for being a valued Premier customer and for contacting HSBC Bank USA, N.A.
We appreciate your BankMail with regard to the status of the bonus associated with XXXX XXXX account.
As per Our Campaign and Promotional Team confirmation, the account did not meet the requirement for the promotional bonus as the account was not opened in the offer page which is required to be eligible for the bonus. As such, your account has been disqualified.
We apologize for any inconvenience this may cause.
HSBC has launched a new messaging channel for XXXX users! Messaging through your XXXX app is available at your convenience. It allows you to pause the conversation when needed and easily pick up where you left off. Try out the new feature XXXX. We look forward to servicing your banking needs!
Thank you, HSBC XXXX Team HSBC Bank USA, N.A. XXXX. All Rights Reserved. ''
|
| 12/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I recently set up a checking account with HSBC to take advantage of a cash bonus offer that offers 3 % cash back on all direct deposits for 6 months, up to {$100.00} reimbursed per month. In order to avoid banking fees, I was required to have direct deposits totaling at least {$5000.00} per month. As such, I scheduled direct deposits in the amount of {$2500.00} every two weeks, which came directly from my employer payroll. Once the first deposit went through, I requested a bank to bank transfer from HSBC to my primary bank, XXXX ( The XXXX XXXX ). HSBC froze my account after I submitted the request, stating that it was a security measure. I was passed around to three different departments, all asking me to verify the same 4 pieces of information each time. This includes sending me a code via text message, and repeating it back to the phone rep. It became very clear that HSBC was purposely creating roadblocks for me to access my money because they want to keep it in my account as long as possible. Doing this practice with all their clients would obviously result in material amounts of fraudulent interest being earned by HSBC on client funds which are intended to be elsewhere by the clients. After threatening legal action, I was finally put in touch with someone who unlocked my account. Two weeks passed, and another direct deposit came in. I was able to process my bank to bank transaction of {$2500.00} with no issue. Fast forward another two weeks ( the third direct deposit ) when I attempt the same exact bank to bank transfer for {$2500.00}, and they lock my account again. This time, they made it even more difficult to speak with the proper person ; passing me around three times ( verifying over and over ) only to disconnect my call. When I called back and demanded to speak with a supervisor, I was put on hold for more than 30 minutes before I gave up. I called back and finally spoke with someone who was willing to help after another 20 minutes of being passed around. This person stated that they would notate my account that I would be making the same {$2500.00} bank to bank transfer every two weeks. She then proceeded to release my transfer. 5 business days later, the {$2500.00} popped back up in my HSBC account, with the note that it had been rejected by my other bank. I contact The XXXX XXXX ( XXXX ) immediately. They were happy to help, and stated they had never been notified of the transfer request, that the rejection did not come from them. They also stated a previous bank to bank transaction from HSBC had been processed, so the rejection doesn't make sense. Please note that HSBC required me to verify The XXXX XXXX account by depositing two small amounts and withdrawing them. I state this because there's no way account and routing information could have been mis-entered because it was already verified and stored in HSBC 's system. I called HSBC again, this time with an attorney on the line. Upon notifying the HSBC representative of this, I was promptly hung up on. I called back, this time avoiding any conversation concerning my attorney. The person wanted to verify the standard multitude of non-necessities. It was at this point that it became very clear that HSBC is engaged with fraudulent money handling practices because after being put on hold for 10 minutes to " pull up my account '', the representative came back and asked, " why are you withdrawing your money so soon after the direct deposit? '' Please keep in mind, at this point I've gone through initial two-factor authentication, I've confirmed my SS number, and I've read back the code that was sent to me in real time text message. How does HSBC have the right, now that I've more than validated my identity, to ask what I'm doing with the money? This is crossing a line, and should clearly have legal ramifications. I advised the representative that I wanted to close my account immediately. The representative advised that HSBC would not close my account until I answered his question about what I'm doing with my money. At that point I terminated the call. I am not unable to access my money in HSBC because I refuse to tell them what I'm doing with my money. This is clear cut fraud on the part of HSBC. They are purposely putting up roadblocks for their clients to access their money in an effort to prolong their own interest accrual. I have taken advantage of cash back bonus offers with XXXX, XXXX XXXX, and XXXX XXXX XXXX, and never once had issues accessing my money. Customer service should be there to service customers, not create barriers to liquidity of liquid funds.
|
| 05/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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In XX/XX/2019, I applied for a balance transfer card. On XX/XX/XXXX, I left town and went to XXXX XXXX for a few days. While there, I got an email saying the card was on the way, and that I could go ahead and activate the account via my phone in the meantime. On the XXXX, I got a notification saying the card was being used in XXXX, NY. It was charged for {$1800.00}. I was physically over 100 miles away from the point of purchase, was still not in possession of the card, and had knew this had to be fraud. I called HSBC to report the fraud. They said " don't worry, well put a hold on the account and clear it up. '' Sounded hunky dory ...
I got back to XXXX XXXX XXXX on the XXXX, and went to the police station to file a report soon after. I thought HSBC was already taking care of everything, but we wanted to make sure we reported the crime in any case, so the police might track the person down. I also filed a report with the USPS since the card was stolen in-transit through their system.
When my wife and I followed up with HSBCs fraud department, we were told they denied the claim. We said we have a police report now, and would like to escalate. HSBC said okay and that theyd need to get in touch with the relevant detective at the police station where we filed the report. We gave them the contact information. HSBC told us theyd call the detective, and then would follow up with us. They didnt. Throughout all this, we asked for written confirmation of everything, but we never received any. No calls back, no confirmations, nothing.
Time went by. Every time we followed up, HSBC said they couldnt get through to the station yet. But every time we called the same station, we got through right away. They have someone at the phones 24/7. So then we physically went over to the station, picked up a copy of the report, and sent it to HSBC 's Fraud Investigation Unit directly, and waited again. When we followed up again, they said they got the report, but they still wanted to speak to the detective attached to the case. When we called the station again to try to help this along, they told us the detective had XXXX XXXX, so was out of the office. They couldnt transfer the case to another detective, so we waited. Once she recovered and returned, we called her and asked her to please call HSBCs fraud department since they really want to speak with her directly. She told us thats weird, but that shed call right away. We soon got a call back from the detective. She said that HSBC had told her they have no need to speak with her!
Meanwhile, the account was never frozen throughout out this. Credit scores are going down and down and down. Collectors keep calling. As you understand, paying the dues would not help our case here, so were holding out. But its burning our credit record.
After we got back in touch with HSBC again, they now informed us the claim has been denied again. Why? Because the police report was filed too late. Actually the police report was filed RIGHT after the crime. But HSBC failed to retrieve it like they said they would. Now they are claiming that the date we personally sent it to them is the date that it was filed. Those are two different things. The date it was filed was right after the crime. You can see that, if you look at the police report. Which is in front of them. Because we sent it to them.
Throughout all this, we talk to a different person at HSBCs fraud department every time. Weve also shown up to the neighborhood branch and begged for help there, hoping that an in-person interaction could resolve this. But the representatives there just pick up the phone and call into the same abyss of overseas call centers, and talk to other employees that have no power to do or explain much of anything.
We keep going around in circles. Earlier today, we were talking to the fraud department again, asking how we can escalate the claim. They redirected us to the collections unit, and the customer service unit. Both of those direct us to the fraud department again. When we get angry, we sometimes get a supervisor, sometimes not. When we do, theres a slightly more empathetic voice on the other end of the line. But the promises of calling back and sorting this out are just as empty. We have not received one call back. Or one piece of written confirmation from HSBC whatsoever.
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| 04/22/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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I opened checking account ending in XXXX on XX/XX/XXXX in the amount of {$10000.00}. This was a promotional offer, the terms were that I keep the monies in the account for 90 days and I would receive {$350.00}. The wording was " Maintain XXXX for 90 days from date deposited. Must keep open 90 days. I thought I funded the account the day I opened it. HSBC says I opened it on XX/XX/XXXX or XX/XX/XXXX, choose one, because they do not know.
On XX/XX/XXXX I called HSBC and spoke with CSR XXXX, who told me I could not close the account until XX/XX/XXXX. This seemed correct, as the wording was " {$350.00} welcome deposit in checking account approximately 8 weeks after completing all requirements ''. So time frame is : XX/XX/XXXX to XX/XX/XXXX is 90 days. Add 8 weeks from completing the requirements ( XX/XX/XXXX ) and that would take us to XX/XX/XXXX.
I called the bank XX/XX/XXXX and spoke with XXXX, Badge # XXXX. I was told the following things ( after hanging up, I did a little more research on my case ) : 1 ) Under the terms and charges disclosure I must keep this account open for 6 months or there is a monthly charge of {$25.00}. This is all new to me, what happened to the information that I had and that I was also given by XXXX on XX/XX/XXXX? HSBC does reference a {$25.00} fee if your balance goes under {$10000.00} but this is during the times set forward in the promotional plan, as set above. This 6 month time frame that I must keep the account open was NEVER explained to me and sneakily put into " small print '' that the bank is well aware nobody reads and furthermore, I signed up under a promotional plan with very clear terms. How does HSBC think it's fair to say : Open the account, keep {$10000.00} in for 90 days, keep it in an additional 8 weeks to receive your bonus but then, oh wait, keep it open for another month when nothing at all has been mentioned about keeping it open for 6 months. This is unfair business practice and the terms were hidden from me in the small print. I am being held to an account that I did not open ( unless you count being tricked by the small print ), I was " sold '' a different policy with different terms.
2 ) When I asked CSR XXXX the exact date I could safely close out the account she told me she could not " divulge '' that date, that it was against the rules, that the only way I was able to get it was to go into an HSBC branch. Firstly, there are no branches close to me and secondly, then why was it given to me by CSR XXXX if it was such a secret?
Fast forward to XXXX Monday morning, CSR XXXX takes over, who at one point denied to give me her badge number. She could not figure out how to send me an authentication code and when I asked her for her badge # and for a Manager she told me " she can not disclose her badge number until I am verified. THE complaint is that she can not get me verified so that I can move forward, that is the complaint for the Manager! She advised that I must receive the code while the CSR is on the telephone line, that is the only was it can be done. XXXX the night before and XXXX Manager both did it with a code that came into my house phone and then they called me back. She told me a Manager would return my call within an hour and of course I never received a call.
XXXX - CSR XXXX - I still have no information today despite all of the calls and promises of return calls. He provides me with a complaint # for the Manager not calling me back earlier, # XXXX. He finally gets a Manager to call me back, who listens but hangs onto the " small print '' and says technically I can not close the account for another month. She said she will " request '' that the back office waive the fee for the one month period left.
I have dealt with banks for over 50 years and this is disgusting. To trick your own customers is wrong and the treatment I received from these CSR 's is ridiculous.
HSBC 's stellar " World Class Service '' had me on the phone for 1 hour on XX/XX/XXXX when I was told about their tricky schemes, 30 minutes on the first call on XX/XX/XXXX with absolutely nothing resolved, the girl could not even manage to get me authenticated, another 25 minutes during the second call on XX/XX/XXXX and finally approximately 25 minutes again when hopefully we got the situation settled. That's world class service?
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| 06/30/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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Dear Customer Relation Agent : Complaint : HSBC refuses to return {$10000.00} belonging to XXXX XXXX. A request to close a checking account began 5 months ago and since then 25 calls have been placed and 15 plus hours have been wasted speaking with HSBC agents, wasting my time and theirs on something other banks resolve in one hour. Three Security department supervisors have failed to address a doable solution to the problem, and all walked away. I have been accused of wrong doings, hung up on, avoided and calls not returned all from a World Class bank.
After a 60-day investigation, HSBC said a letter and check would be sent, that never happened. I heard week after week the request was batched and processed, which meant nothing. Finally, in XXXX an agent from security department XXXX recognized the number of calls made and attempted to resolve the issue. It was advised a recall/dispute was required to return the funds. With him and the XXXX XXXX XXXX on the line where funds came from ( sees attach ), XXXX XXXX XXXX said this is not possible, the funds were accepted, XXXX XXXX has no access to the website and 4 months past. They stated this was an issue between HSBC and me. l Supervisor XXXX in the Security Department insisted this is the only way funds would be returned ; this was not possible, and I took this as a threat. At this point I had already called XXXX XXXX corporate and visited two local branches, all denying the request. XXXX said, Go to bank, go to bank! and hung up on me. It should be noted, he also alleged me of some wrongdoing actions on the account which are totally false. It should be noted he pulled XXXX off this case, someone who was attempting to resolve it. One great supervisor from a World Class Bank.
The next supervisor who came along was XXXX, a man of a few vague words, like XXXX, Go to bank. I arranged a call with him and XXXX XXXX from XXXX XXXX XXXX. I wanted them to talk because the Go to bank advice doesnt resonate with me. XXXX subordinate insisted that XXXX would leave the room. The purpose of the conversation was to learn what XXXX XXXX XXXX needed to provide. Totally insane. XXXX said few words other than a letter requesting return of funds from XXXX XXXX was required. ( See attach ). XXXX said his email was blocked, so I sent letter to the HSBC efraud prevention address, apparently this went nowhere. I called XXXX XXXX weeks later for an update and his subordinate, XXXX, got tangled in a lie about his availability wouldnt allow me to wait and took message ensuring XXXX would return the call. He did not return my call. XXXX was interesting, he said HSBC doesnt do any emailing, but expects XXXX XXXX can. It was also interesting his subordinate requested XXXX from XXXX XXXX to leave the room in conversation with XXXX. Why was that? If this request is a bank-to-bank transfer in which XXXX suggests, then why are not the two banks talking to resolve the issue? XXXX XXXX did not initiate the transfer to HSBC, I did.
The next supervisor came along was XXXX. His records show the only way I can have funds returned would be if XXXX XXXX XXXX sent a Hold Harmless letter. Again, XXXX XXXX XXXX rejected. At this point I realized these supervisors are totally incompetent of resolving this issue. All the documents requested ( bank statements, HSBC welcoming letter ) were all sent to their efraud prevention address, and each had no idea, cared, or read them, a bunch of lazy supervisors, in XXXX case he asked for me to resend them again while on the phone, a totally disorganized guy. XXXX said he would update me, but never did.
I question the knowledge of any of these supervisors. Three different nonsolutions to the same problem. All forgot the case existed and show no follow-up to resolve, either. Is this World Class Banking?
My intentions were to open a CD account, days later finding the funds went into a checking account, something I did not want. After total confusion and unclear conversation, I requested to close the account.
I cant believe a World class bank can waste these many resources on a relatively simple request.
In closing, I hope this letter is forwarded to a banking professional up the chain above any of the agents in this letter who can take the facts and resolve and not waste anymore of my time or yours.
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| 04/09/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Deposits or withdrawals
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Web |
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I wish to close my HSBC accounts and withdraw all my money ( over {$100000.00} ) from this bank immediately. I have contacted HSBC bank at least a dozen times since last week asking why HSBC was IMPROPERLY WITHOLDING my fundsI did not get a reply. I want a clear answer from HSBC as to exactly WHEN/ WHERE/ HOW I CAN GET MY MONEY and CLOSE MY HSBC ACCOUNT ASAP. Customers have the right to know and the right to access their account. HSBC has NOT provided me any answer. I FEEL HARRASSED and RETALIATED AGAINST BY HSBC in THIS LATEST HOSTILE ACT BY HSBC directed at me because I have brought several complaints about HSBC to CFBP. I am also of XXXX American heritage and I feel HSBC that is mistreating me as punishment for calling out HSBCs serious patterns of abusive acts. Due to a series of unprofesional conduct and eggregious mistakes made by HSBC on my accountincluding the HSBC branch manager in XXXX XXXX, XXXX XXXX, lying to me when he sent an email on XX/XX/XXXX, confirming that HSBC did NOT process any overdraft protection or credit card on my accound. ( Exhibit A attached ) However, I would later discover a hard hit initiated by HSBC on my credit report. ( Exhibit B attached ). I have NEVER knowlingly consented or authorized HSBC to run ANY credit check soft or hard whatsoever on my account. I have also submitted a complaint to HSBCagain NO reply is the typical reply. This communication black out from HSBC -- among other mishandlings of my account by HSBC compelled me to withdraw my money and terminate HSBC immediately. Throughout Monday, XX/XX/XXXX, I spent at least FOUR hours contacting HSBC and speaking with different HSBC representative to schedule an appointment at a local branch to withdraw/close my account ( I have phone records ). Finally, at XXXXXXXX XXXX, XXXX XXXX XXXX, a manager at the XXXX XXXX branch informed me that she could not close my account because HSBCs back office has taken over my account. In a very dismissive tone, she said she could not do anything further. I asked her WHAT IS HAPPENING to my account??! XXXX XXXX said that the HSBC back office informed her they have already spoken to me last Thursday ( XX/XX/XXXX ) and Friday ( XX/XX/XXXX ) about this matter. Another lie from HSBC. For the record, NO ONE FROM HSBC HAS EVER CONTACTED ME AT ANYTIME last Thursday and/or Friday via email/phone in any manner. I asked to speak with the person who claimed they had contacted me but she declined. I became more distress at HSBCs unprofessional staff and more lies they were perpetrating. I had no option left and NO ONE at HSBC would help. At XXXX XXXX, I called the HSBC toll-free customer line. I spoke with operator XXXX. I told her what the XXXX XXXX informed me, but that NO ONE from HSBC has ever contacted me last Thursday or Friday. XXXX called the branch manager in XXXX XXXX while I remained on the phone. Then, XXXX suggested that I contact the executive office. However, I informed XXXX I have already the executive office numerous times last week. NO live person has ever answered the phone at HSBCs executive numbers here : ( XXXX ) XXXX and XXXX. Both numbers go to the SAME answering machine recording. I already left a message ; NEVER heard back. Since last week, I began contacting HSBC after receving a notice from HSBCs Vice President of Customer Relations, XXXX XXXX on XX/XX/XXXX, CFPB was also copied. She stated that HSBC would not assess any fees on my Certificate of Deposit ( CD ) account if I were to terminate early and I could close my account at a local branch. I called to set up a time terminate my account at the XXXX XXXX branch. Then, the typical HBSC dismissive reply and endless run-around happened, per above. I and my family have suffered enough of HSBCs abusive actions taken against me. HSBCs deceptive practice, the run-around they put me throught, HSBCs black out of any communication, their hostile withholding of my funds, the unauthorized hard hit HSBC made on my account, the stress and headaches HSBC have caused me and my family are just some the examples of how a powerful banking institution will punish anyone who complains about their abuses. This horrific nightmare with HSBC must end immediately.
I want a clear answer from HSBC as to exactly WHEN/ WHERE/ HOW I CAN GET MY MONEY and CLOSE MY ACCOUNT IMMEDIATELY.
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| 06/05/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Complaint : XXXX XXXX failure to specifically and sufficiently respond to consumer 's notice of error or information request or qualified written request or CFPB complaints.
Attn : XXXX XXXX, Relationship Manager, XXXX XXXX, Consumer Ombudsman Specialist, XXXX XXXX, Ombudsman Specialist XX/XX/XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fax XXXX Account # XXXX RE : Notice of Error or Information Request or Qualified Written Request Please respond to the following errors and/or request for information : # 1 In a letter dated XX/XX/XXXX XXXX states, " We determined that we are unable to assist you in this proposed arrangement because pursuant to the servicing agreement governing this account, the owner of your mortgage has a right of approval and has denied this option based on a business decision. '' What proposed arrangement is XXXX referring to? Please provide copy of the section of servicing agreement that prohibits such arrangement. Note that just a day prior on XX/XX/XXXX, I received a letter that stated, " XXXX, the mortgage servicer on the above referenced account, is currently reviewing your request for options to resolve the delinquency on this account. '' # 2 XXXX failed to respond to the following concerns regarding CFPB # XXXX : In a letter from XXXX on XX/XX/XXXX, XXXX states, " To reiterate, you question XXXX adding Lender Placed Insurance ( LPI ) to the account. XXXX does not show that any LPI has been added to the account. '' If that is the case, please explain why on the latest Mortgage Statement under transaction activity, there is a line item titled Taxes & Insurance. The amount is {$1200.00}. On XX/XX/XXXX XXXX paid taxes in the amount of {$1100.00} ( on wrong property per note and mortgage ) for a difference of {$110.00}. What was the additional {$110.00} for? Insurance? In addition, there are " other fees '' listed for XXXX cents and " expenses pd by servicer '' in the amount of {$160.00}. Please provide account history detailing all charges for account # XXXX with justification.
# 3 The following concerns noted in CFPB # XXXX were not addressed in XXXX 's latest response dated XX/XX/XXXX : A ) Loan Modification ( dated XX/XX/XXXX ) falsification allegations, B ) Conflict of information regarding address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Which is it? C ) Role of Relationship Manager XXXX XXXX. Why have I never heard from her?
# 4 In a response from XXXX dated XX/XX/XXXX, XXXX states, " In your inquiry, you state that we do not have the correct legal description for the subject property. XXXX appreciates you pointing this out and has referred this issue to the appropriate department for research and if necessary correction. '' What is the current status? What is the legal description in the note and mortgage XXXX is attempting to collect debt on? What is the address of the property XXXX is attempting to collect debt on? What deed is attached to the property that XXXX is attempting to collect debt on?
# 5 In a response from XXXX dated XX/XX/XXXX, XXXX states, " The account was modified onXX/XX/XXXX ( Enclosed ). '' Besides the fact this document was allegedly fabricated, the Loan Modification Agreement itself under any circumstance precludes the assumption or assignment of the modification agreement ( Modification Agreement, section G. titled Loan and Agreement May Not be Assigned ). The Loan Modification Agreement is null and void.
As I have previously pointed out, the recorded notes and mortgages fraudulently established and sold by XXXX XXXX XXXX to the alleged new owner/noteholder, and now serviced by XXXX, are severely deficient and unenforceable. I continue to dispute all alleged debt associated with account # XXXX. XXXX XXXX XXXX XXXX and XXXX as servicer continue to try to enforce an unenforceable and erroneous obligation. To date, they have erroneously paid property taxes, conducted erroneous inspections, including a Broker Price Opinion and threaten foreclosure on a property they have no legal security interest in.
Besides legal ramifications based on the above allegations, please allow me to remind XXXX of it's RESPA obligations regarding Notices of Error or Information Requests or Qualified Written Requests.
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| 05/02/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Several months ago I began looking in to purchase a home. It was XXXX of XXXX to be exact. When I spoke with a lender, they told me that my credit was fine except there was XXXX collection on XXXX credit bureau for over {$3000.00}. I did n't recognize what it was so I disputed it with XXXX 30 days later XXXX came back stating it was verified. It said HSBC under a collection company 's name of XXXX XXXX XXXX but I have never done business with either company. I re-disputed it with XXXX and again the results came back with " verified. '' XXXX finally came around and I was having family over for the Hollidays so I decided to hold off until after the new year to complete an investigation. Once XXXX came and all my family had left I went ahead and started investigating the account again. I looked up XXXX XXXX XXXX since the credit report did n't give me any phone numbers and I could n't find hardly anything on them other that they were in Texas and they only had a BBB file opened less than 2 years ago. I started calling them to ask about the debt they had on my credit report and they would never tell me what it was for. I asked for documentation and they never provided it. I would call over and over asking for validation and they would always give me the run around. Around XXXX I was fed up so again I tried talking to a mortgage lender and again I was told the same thing. This account was preventing me from buying a home. The lender even attempted calling herself on XXXX XXXX and the collection agency would give her the run around too. I then tried in XXXX XXXX and it was more of the same. Finally, on XXXX XXXX I had enough and was ready to sue but I decided to cool off a bit and go talk to a credit professional. I went to a company named XXXX XXXX XXXX . I explained the situation to them and they gave me a copy of an F.T.C. booklet on the Fair Debt Collection Practices Act and told me to study it so I can learn to protect myself from predatory collectors. H e also informed me that not providing me with documentation after asking for several months was a big offense in the collection world. I felt so comfortable with them that I hired them to assist me. My representative called XXXX XXXX XXXX at XXXX and informed them that he was representing me as my POA in this matter. After verifying with me that they had permission to speak with him, my representative asked them for verification of debt as I had done for months. Then and only then did the lady say that she was just the payment processor and she could n't tell us anything ... Her name was XXXX . She asked for a call back number and said that someone would call us back on Monday. Obviously things started seeming strange to my representative so he started asking questions. He asked what time their hours of operations were and the representative then saw the time and before answering said " they all left early for the day. '' Seriously? All t he collectors left 3 0 minutes before closing time and left only the payment processor at the office? I 've never heard of a collection agency being that generous and noble with their employees before. Regardless, I waited until Monday and sure enough no call was received. Today is Tuesday and the day is almost over and again there is no call.. At this point I am going to sue. I 've studied the F.D.C.P.A. and I 've learned that this company has broken it on many occasions. Subsections 807, 808, and 809 have all been broken as they have constantly lied and misled me and my representative of everything regarding this account. They have failed to provide any documentation of any kind for this debt and therefore are collecting amounts that are not expressed in any contract whatsoever. Furthermore, they have broken the F.C.R.A. by misreporting wrong information and then claiming that it was legitimate or verifiable when it really was n't. I am contacting you because my representative advised that you are notified into this collection agency 's illegal practices so that you may stop them from doing this to other consumers. If this does not get taken off of my report in 30 days I will sue them anyways regardless of the outcome of this complaint.
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| 08/22/2020 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
Servicemember |
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I have several deposit and credit accounts with HSBC and lately there have been several issues with their HSBC Security team, online banking access and their ACH funds transfer system. I have gone through the traditional channels to have these issues addressed, but each time they fix one problem another pops up. Trying to call their 800 number for customer service often results in hold times approaching one hour, even for XXXX customers, which, being stationed overseas, costs real money in telephone charges.
1. The first problem started on or around XX/XX/XXXX when I initiated an ACH ( Bank-to-Bank ) transfer from my personal checking account to a business account at XXXX XXXX XXXX. After about two days I got a vice mail message and an e-mail from HSBC Security to call regarding an issue. Prior to calling, I tried to log into my online account and found it was blocked.
Calling HSBC Security, I was directed to speak to a security specialist who, unfortunately ( but from prior experience with HSBC Security is totally not an anomaly ) had the most dismal English language skills I have ever experienced. I could barely understand more than one or two words from every sentence he spoke. After a struggle, I understood him to say that the transfer was cancelled because transfers to business accounts were not permitted. I thanked him and hung up.
I then called normal XXXX customer service and reached a customer service representative who was not only failed to understand the issue, but was argumentative and hung up the call on me. I called again and reached a second CSR who explained that any external account for an ACH transfer must share the same name and be a personal account. She stated it is in the online banking Terms & Conditions, but then HSBC has XXXX dozen different XXXX XXXX XXXX so who bothers to actually read them all.
In any event, what HSBC should do is warn people when they set up the external account and not even let them enter a name other than the name of the XXXX personal account holder.
2. On or about XX/XX/XXXX, having been told that the ACH transfer was not possible and was cancelled, I set up a bank wire to the same external account. Two days later, I again found my online account blocked yet again and instructed to call HSBC Security. Again, the security representative was exceptionally difficult to understand because of his extremely dismal English language skills. One question he kept asking me was if I had been to " Ooode ''. I had to get him to repeat that XXXX a dozen times before he spelled it out : U T A HXXXX Utah. After that he verified the bank wire and unfroze my account.
3. On or around XX/XX/XXXX, I logged in to see that the wire had been successful. I also saw that they also withdrew the money for the previously supposedly cancelled ACH transfer thus overdrawing my checking account by over {$40000.00}. Ultimately that money was returned to me after three days.
Why would they allow a supposedly cancelled transaction to process? Why would they allow a transaction to process that would overdraw an account by over {$40000.00}?
Also, why do they block an online account just to verify a transaction? In order to simply log into my account in the first place to even set up the transaction I needed to go through their 2-factor authentication. Then, in processing the ACH or wire transfer I needed to verify an additional two security codes sent over my cell phone. Blocking an online account to later " verify '' a transaction is absurd. And even then, when you call to verify you reach someone insecurity who is functionally illiterate.
4. On or around XX/XX/XXXX I received a letter from HSBC Security stating that a new authorized user was added to my credit card account and that there had been an address change made. Although I knew this was because my XXXX Relationship Manager had followed my instructions to add my wife as an authorized user, I still logged into my account to further confirm. Although my login was not blocked, when trying to view my personal contact data, I was blocked. There is a screen stating there are issues and an error code of GSP-500 is given. I then called and again an hour on hold only to be told they don't know what the issue is and will check.
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| 01/28/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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I have lived in this home for over XXXX XXXX my XXXX XXXX XXXX in XXXX and prior to that she moved from the home in XXXX when we lived here together and I have live here since. She left the house in XXXX to me when she XXXX XXXX in XXXX at this time with the last payment I made on the mortgage there was only {$84000.00} left on a home equity line of credit because the house was already fully paid for and my mom took out a home equity line of credit that was what I was paying back the {$84000.00}. I have been trying to deal with the bank since XXXX through hiring several attorneys and none of them ever helped me XXXX even XXXX XXXX
I hired another attorney back in XXXX who has the case now. Since then I have been trying to get him to stop the foreclosure, he did nothing for XXXX then finally I requested my Loss Mitigation package prior that the attorney who left his firm got for me please, be sent to the bank - sitting on it and had not done anything for over a XXXX and a half. This other attorney who handle my case there, he was really solid on my but left the firm back in XX/XX/XXXX.
Even with most of the work done by this former attorney the owner of the law firm has refused to do anything to help me the way he should be. He's non-responsive, I have requested meetings, my emails are ignored, my calls are ignored, I even received " block '' email response from XXXX of my emails to a law clerk where she stated she would relay my messages to him and help me. Who did that response with the whole XXXX XXXX wondering why this happened that it was unprofessional that I needed some answers that I feel stagnated what's going on completely ignored me. I've asked for replies, updates - nothing. I had to literally find out that my lost mitigation package was not accepted by the bank attorneys themselves ( as I was left to go seek answers on my own receiving a XXXXXXXX XXXX LETTER notification that the house was up for auction ) and they told me they had reached out to my attorney XXXX prior to tell him that my loss mitigation was denied and I didn't know why it was denied. Couldn't even understand why I was now even paying for a home that was actually gifted to me. Nonetheless I kept seeking answers to try to get to some resolution to protect my rights but no one is talking to me and seem to just be moving ahead with their own agendas. I'm just confused and the attorney is not even stepping in to help me and they now do not even want to speak to me because of hiring an attorney and being represented by -- -- so it seems as if my attorney is just holding me XXXX. I can not reach him to even fire him and now they have set a date for this to take place which I'm just finding out about the response was XXXX ago to set a date for the auction sale in XXXX. I have tried everything and it's not fair how the bank is trying to basically steal this home from me ( the bank even has a notarized copy of the XXXX since XXXX showing my name and the address of the home in detail specifically stating it is to come to me upon her XXXX ). I sent it to them all of my personal information all everything my social security number it's not as if they're in the dark about who I am, I provided all of that that they asked of me.
Prior to this, when my XXXX left in XXXX I have been always diligent my XXXX payments always paid even before time, I kept the house up, everything was cared for. I never had any problem with taxes, since the bank has denied trying to deal with me everything has gone to XXXX they even sent me letters stating that the tax bill is accumulating but they're putting money in an escrow to pay the tax bill but yet I keep receiving tax bills that are not that it's not paid so I'm not sure what's going on with that either. I think they're just taking a bunch of money all of the equity out of the home and making up reasons for it and now they want to just throw me away and take the remainder of it but they've put me in a real precarious position of not even being able to do anything about it because my hands are tied I don't know what to do and it seems as if they're really trying to rip me off and XXXX XXXX XXXX XXXX XXXX XXXX from my own family home that I have inherited in XXXXXXXX XXXX XXXX Please help me. Thank you.
|
| 04/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Yesterday, XX/XX/2019 - I received a call from XXXX - they left me a message identifying themselves as XXXX from the XXXX XXXX XXXX XXXX and she said I had to contact XXXX, and provide a case number XXXX, which I did. The lady who answered the phone presented herself as XXXX XXXX, from the XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX # XXXX, XXXX, CA ( I have searched on XXXX, and there are 58 records found for XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and none had the name of her Company, XXXX XXXX XXXX XXXX XXXX - and neither under her name ; but I found someone on that list named XXXX XXXX XXXX XXXX Age XXXX and I can't say that she is the same XXXX that left me the first message from XXXX, who reside in XXXX, CA ). Well, XXXX XXXX said that HSBC had sold them a bill under my name. I asked the name of the company I supposedly owed some money and she didn't provide that to me. She said a civil motion was placed under my name, XXXX XXXX XXXX, Social Security Number ( She spoke out my full Social Security Number over the phone ) of a bill in the amount of USD {$2900.00} that could be settle for USD {$820.00} over the phone or at the end of the call they would proceed to send my case to Court. I said the same rights you have out there to request this payment, I have in requesting more information about it. She said a letter was sent to me on XXXX ( While over the phone, I searched in my mailing box and there was nothing there and I let her know that I had just searched for it and didn't find any letter of the sort ). She said on XX/XX/2019 they had send an e-mail to me to XXXX an e-mail that I don't use any longer for more than 5 years. Then she said it was also sent to my e-mail, XXXX, I said that I never saw it before and I checked my e-mails everyday after working hours. I arrived in my office today, I searched my XXXX, and there was an e-mail. When I opened it, " There was simply a message from XXXX XXXX Authorization Request with an e-mail that I couldn't reply them back, XXXX, with a link that I should click, which I did : It was now asking me for my SS # last 4-digits so I placed it ( Since they already new my full Social Security number. On this page, one could read a full name of an web site : Patent ( s ) : XXXX XXXX XXXX ) and clicked enter. In the new Window one just see a note from the XXXX XXXX where one could read : XXXX XXXX XXXX XXXX By signing this form, I authorize XXXX XXXX, to debit my account once for the amount indicated as a one time and final payment. Amount : XXXX, I hereby authorize the above transaction ( s ) click to sign. HSBC CARD SERVICES, - XXXX XXXX XXXX, ID : XXXX. '' This is it : no name of the company that I would owe some money and number of the account or credit card number owed, nothing. But these people have my full name, my full Social Security Number, my full address, my previous e-mail address, my actual e-mail address, and now they have my new cellular number as I contacted them twice. I have reasons to believe this is a scam because I contacted the HSBC ( XXXX ), spoke with XXXX, and was transferred to the HSBC SOLD Department ( XXXX ), spoke with XXXX ( If I got her name right ) and she didn't have anything under my name or Social Security Number. I immediately requested a copy of my Credit Report from XXXX, XXXX, and XXXX and still am waiting for it to verify if there is anything in it related to HSBC or else in the amount they told me over the phone. What you would advise me to do next? Because today, after speaking with one of your representatives, I contacted that same toll-free number and requested from XXXX XXXX their physical address ( reason why you read above their address ) and I also requested their Professional License Number and she refused to provide me with that number. So she ended the call by saying they would proceed to bring me to Court and the call was over. What else can I do, please? Oh! The most curious thing happened : After I found the e-mails sad Company had sent me, I made a forward of it to myself and never received such message from myself to myself - and guess what? I went back to XX/XX/2019 and the message no longer was available to me neither in my XXXX Inbox nor in my Sent Messages. This is just insane!
|
| 02/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
On XX/XX/XXXX, I was contacted by an XXXX from what he stated was XXXX XXXX XXXX. The first call was to my place of employment, on my day off, but luckily I was in the store when the call came in. I really did not understand the name of the person calling, and the place they were calling from was not stated during this call. The only information given was that I was being served papers. When I inquired what these papers were, it was for a debt that began 7 years ago. I kindly told them I would give them a call back as soon as I got home and would further discuss this with them. I was caught off guard that being threatened as soon as I got on the phone. Not only did they threaten me, they told my co-worker who answered the phone they were calling for me and that I was going to be served papers there the next day.
Once I called " XXXX XXXX XXXX '' back, XXXX claimed I had been mailed papers four weeks prior to this call. XXXX also stated that they were mailed to my place of employment. When I was confirming the address, it was my home address they had on file. I had not received any written explanation about this debt at the address they had on file, and have not received any written documents to this day, XX/XX/XXXX. While I was speaking with XXXX on the phone, he sent me an email of the debt that was owed. I was informed that the original debt was somewhere between {$500.00} and {$600.00}, the exact amount I do not recall. The email that I was sent, and the information that XXXX gave me over the phone, is that the settlement amount was {$1100.00}, but the balance on the card was at {$1800.00}. XXXX is now telling me the new settlement amount is {$830.00} ( if I am remembering correctly ).
On XX/XX/XXXX, I spoke with XXXX again, after I had spoken with an attorney for myself, XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX, CA. She informed me she had previously had a call similar to mine about a scam and someone using " XXXX '' as the name of their law firm, but she assured me it was not her. She informed me to contact the original holder of the card in order to track down this debt to know for sure if it was legitimate. Since then, I have contacted the original holder of the card and 6 other collection agencies, the most recent one the card was sold to in XX/XX/XXXX. I have been diligently working to find the owner of this account, but have hit a wall and not receiving calls back from the newest holder of this debt, which is not XXXX XXXX XXXX.
Also, on XX/XX/XXXX, XXXX called my place of employment after speaking with me, and informed my boss that he would be faxing over wage garnishment forms to be filled out. My boss immediately called and notified me of this, and soon after XXXX called and told me wage garnishment papers would be faxed. I did inform XXXX I had spoken with my boss and informed her not to fill out anything until I knew this was not a scam. She agreed with me, after I told her all the details of what is going on.
Since these calls started I have been in contact with the FTC, the FBI for possible identity theft since all of my personal information is in the email, trying to contact my state Attorney General, finding out the NC laws regarding being sued for a debt and the statute of limitations on being sued. I have researched the address on the email letterhead, which leads to an Executive tower in XXXX XXXX, but since there is no XXXX XXXX for this law group, I can not validate its legitimacy. I have researched the phone numbers, business name, checked with the California Bar Association, and I am unable to find this law group.
I am now receiving more threatening calls, latest one was today XX/XX/XXXX, in which XXXX told me I will be served with court documents tomorrow at my place of employment.This now contradicts what was previously stated on the XX/XX/XXXX. XXXX went from being able to send the garnishment papers straight to my boss to having to appear in court and have it court ordered. I can understand someone doing their job, but receiving threatening calls about being sued and being served papers is illegal, and XXXX calling my place of work telling them what is going on and speaking with my boss is not acceptable.
|
| 12/26/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
I am unable to access my HSBC Online deposit account.
On XX/XX/2018, I opened an online deposit account with HSBC Personal Banking, an online only banking service, depositing a large sum into the account.
For several days, the money did not appear in my account online, and when I inquired about this I was told that no such account existed at HSBC, but after some telephone calls to their customer service department the money appeared in the account, approximately one week after opening the account.
Every day after that, I logged into the HSBC website ( us.hsbc.com ) to check my balance and see that the deposit was still there, and to check when interest was credited to the account. There was no problem until Saturday XX/XX/2018. That morning when I attempted to log in I reached a page that read XXXX XXXX XXXX XXXX/There has been an error. Please contact us for assistance.
I then clicked on the proffered link to a chatline help service and spent hours explaining the problem to a gentleman in XXXX XXXX ( where all the customer service staff appear to be located ). He told me there was a technical problem and I should contact HSBC the following Monday, as they did not work on Saturday.
The same thing happened on Monday, except that this time I was told that the account had been blocked by the fraud prevention department. ( That day, I chatted online and spoke on the phone to more than one person in customer service. ) I pointed out that the only activity on my account was my depositing money in it and checking online to see that it was still there every day, so I could not understand what could possibly have led HSBC to block my online access to my account.
I decided to call the local office of HSBC, but found that when I called the head office in XXXX, I got through to the same customer service staff in XXXX XXXX that I had been speaking to on the phone.
I should add that each time I called HSBC customer service I had to wait for very long periods of time ( hours ), listening to music and announcements telling me that HSBC was unusually busy and that their staff were busy attending to other customers.
In the end, I asked to be put through to the fraud prevention department. Each time this happened, I had to wait hours listening to music and announcements, and nobody ever answered the phone. There is no detectible queueing system at HSBC, so there is no way of knowing how many more hours one will have to wait.
In the end, I talked to someone at HSBC customer service about this and insisted that I could not wait for days or weeks and would have to seek legal redress against HSBC for withholding my money illegally. At that, he promised to get the fraud prevention department to call me back within two hours.
I eventually received a call from a lady in XXXX XXXX who turned out not to be from the fraud prevention department, so said she could not help me. When I explained ( for the umpteenth time ) what had led to her having been asked to call me, she said she would put me through to the fraud prevention department. I was than subjected to more hours of music and announcement, and no answer whatsoever from the fraud prevention department.
I then completed a complaint form online and sent it to the State of New York Office of the Attorney Generals Bureau of Internet and Technology. They have now informed me that I should complain to CFPB, as they do not deal with banks.
On XX/XX/2018 I received an email from HSBC which said, inter alia : As a valued HSBC customer, we want to make sure you have the most up to date information on your account. We're pleased to let you know that the Annual Percentage Yield ( APY ) on your HSBC Direct Savings account has increased to 2.05 % APY1 effective XX/XX/2018. This would indicate to me that my account may well remain intact, but as I have no way of accessing the account online, I have no way of confirming this. The contact information in the email, including the XXXX headquarters address and the customer service phone lines, are the same as those I used before : all of them lead to XXXX XXXX and endless music/announcements.
|
| 05/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX I received a text message @ XXXX ( Free hSBC Fraud Msg : Did you charge XXXX {$1.00} SQ? Reply YES or NO. HELP for help or call XXXX. STOP top all card fraud alerts.
I did not respond to it due to receiving hacked messages stating the message was from XXXX.
I received the same text at XXXX, and that is when i decided to contact the bank. I called XXXX and asked to be connected to the Frauds dept. They cancelled my XXXX credit card, and instructed to call XXXX ( which was the wrong phone # for the credit card frauds dept. I also inquired the dates, times, amounts and location XXXX XXXX ) that the card was used.
I was informed that the charges started on XX/XX/XXXX.
XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XX/XX/XXXX {$77.00} All of the above charges went through XXXX charges were dropped from the account ( i think they'd max 'd my XXXX out.
XXXX XXXX {$760.00} XXXX XXXX {$160.00} ( i Did receive a text regarding this last charge via text Free HSBC Fraud Msg : Did hyou charge XXXX {$160.00} XXXX XXXX XXXX? Reply YES or NO. HELP for help or call XXXX. Or STOP to stop all card fraud alerts.
I contacted all the business 's ( except XXXX XXXX, you had to go on line for that one ) that my card had be illegally used and informed them that my bank would be in contact with them, I also contacted XXXX XXXX Police Dept XXXX to inquire what i would have to do to fill criminal charges. The desk officer informed my that the bank would need to acquire a Fraud affidavit from my bank.
I went to the branch office in XXXX & requested a copy of my credit card charges on XX/XX/XXXX and spoke with XXXX ( XXXX ) & XXXX XXXX XXXX XXXX, District Manager stated that they would being the paperwork. ( XXXX.
I had to made serveral calls to obtain the report, and the Branch manager had to intervine in my behalf.
XXXX sent XXXX charge ( XXXX XXXX ) and the manager after XXXX XXXX on the phone with the frauds dept. XXXX XXXX stated that the customer came into the branch and obtained a copy of her XXXX charges. Only after this information was disclosed to the rep, agreed to e-mail XXXX XXXX a updated Fraud claim form, and i was instructed that i would be able to take this form to the local police dept.
I filled the form out and, went to XXXX XXXX Police dept. only to be informed that the enclosed form wasn't the correct form.
I also received ( see copy of a promotional APR offer dated XX/XX/XXXX 3 days after cancelling the credit card account ( with enclosed blank checks ) in the name of XXXX XXXX ( which is not my legal name ) I brought this to the attention of the Branch Manager, and XXXX @ the frauds dept ( via 3 way call.
Both employee 's informed me that i would not be entitled to that offer on my new XXXX #, however, i would be able to use the blank checks ( on the closed account, and to sign the checks as XXXX XXXX.
I also want to include that i had opened up a saving account in XX/XX/XXXX, and was given a passport saving booklet, however the account belonged to another customer ( but in my name, XXXX XXXX XXXX ), and after calling XXXX to obtain the interest earned, i was informed that that account # belonged to someone else. I returned the booklet, and was given another account ( i was a little leary because the account # re-issued to me had my whole date of birth XXXX # XXXX XXXX.
And lastly, in XX/XX/XXXX I was informed that all of my personal information regarding my Home Equity loan had ( by error ) been sent to the cyber world.
I have also contacted my Life Insurance company, and my union ( XXXX XXXX ) to have alerts put on my accounts ( so no money can be assessed, and i will be contacting all of my store credit cards to put an alert on them.
I will be going to XXXX XXXX Police Dept on XX/XX/XXXX to file criminal complaint.
Enclosures : 2 copies of HSBC Fraud Claim Form ( s ) 1 copy of Promotional APR + the 3 blank checks copy of Chargeback information ( XXXX 6 pages, which includes thief 's cell phone # - this is a pre-paid account, and was opened on XX/XX/XXXX @ XXXX )
|
| 11/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Everything started off with a check that I received in the mail. I received an email telling me to expect one for the contract I signed up for months ago that offered me money for putting advertisement vinyls on my vehicle. They said the amount they were sending me would be for the cost of putting the vinyl on my car. I receive the the check, deposit it into my HSBC checking account via mobile deposit around the middle of XXXX. ( I dont have the exact date, youll see why later. ) 2 days go by and nothing has been deposited in my account. I go to log in through the mobile app and an error message pops up saying that my account was suspended. I called the next day to talk to customer service. The customer service team could not help me because the security team is only open from XXXX to XXXX. I call the next morning at XXXX XXXX and speak to customer service again and they forward my call to the security team. The lady on the phone confirms the deposit I made and said that my account is under a 5 day review and that I do not have access to my account during this time. She mentioned that it was a fraudulent check. I signed up for an advertising company and had no clue that this was going to be a scam. After 5 business days, I call back and ask for an update. Customer service team forwards me to the security team again and a different lady tells me that my account has been recommended for closure. I did nothing, but as long as I get my money, I dont care. ( The money thats previously in there, not the deposited check. ) The lady that I spoke to said that as soon as the account was marked recommended for closure the closure team receives a notification and a check is immediately made out with the remaining balance of whats in the account. She said to wait until Wednesday to receive the check. Then, on Thursday ( due to COVID-19, I gave the USPS an extra day ) I called back asking if they sent my check out yet. I was forwarded to the security team once again and the lady told me that after the closure protocols take up to 30 days. It went from 5 days to check written immediately, to up to 30 days. I call in today ( XX/XX/2021 ) and ask to see if it had happened to be sent out yet ( 15 days into the review ) and they said no and that they are still completing their closure protocols. After asking how long that takes just to confirm I would get the same answer, the agent tells me she doesnt have a clue. I asked if she could give me estimate, a day? A year? She said not a year but couldnt narrow it down any more than that. When I started asking her more questions, she forwarded me to the agent that was handling my closure account process. All this did was let this member of their team tell me how irresponsible it was to deposit a check that I didnt know the funds were good for. Im sorry, but no one calls the bank to make sure EVERY check is good before depositing it. Every time I asked him a question he would continue to ridicule me about how reckless I was for depositing that check in which I said I have clearly learned my lesson and that I would just like my over {$2000.00} dollars in my account to be sent to me. He said it takes about 30 or more BUSINESS days. Again, no definite timeline, but with the added business element to the date. So from 5 days, to immediately, to 30 days, to I havent a clue, to 30 OR MORE business days. I just want the money that is owed to me. This is causing my bills to be late and will inevitability cause credit score issues. I just want my money. I dont care about this fraudulent check with this fraudulent advertising company. I just want HSBC to send me my money.
I sent in a complaint via cfpb and they replied with something that didnt give me ANY information really. Just an apology for the frustration basically.
UPDATE : I called today ( Monday, XXXX XXXX ) and they are telling me it could take up to 90 DAYS???? Is this even legal????
So now, from 5 days, to 10 days, to 30 days, and now its 90 days! Seems convenient. Next time I call in Im sure it will be 180 days. I dont know how a bank is allowed to do this.
|
| 08/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted in XXXX ( not sure about exact date ) about a debt for a XXXX XXXX I had in XXXX that was sent to collections and was told that I was being taken to court if this matter wasn't taken care of right away. I paid this card off I believe in XXXX. I explained this to to a man named XXXX XXXX with legal services ( XXXX ) XXXX case number they gave me was XXXX. I didn't think much of this at the time as I had a strong feeling something wasn't right. Later in the month my old employer was contacted and asked how to get ahold of me. I work at XXXX on XXXX so I am not always able to receive phone calls, texts, or emails. Again, I told XXXX I would get back to him and try to resolve the matter. But wouldn't be able to do so until I got home. Fast forward to the present. On XX/XX/XXXX I received a screen shot text from my ex-wife and I quote, " You are approved for a 1 hour hold! Please have XXXX XXXX. contact our office at ( XXXX ) XXXX and reference XXXX for extensions or to update a location documentation should be sent to. They also were calling and texting her daughter. They had my phone number. Why bother someone I haven't spoken to in 7 years? I then called ( XXXX ) XXXX and talked to a man named XXXX XXXX, who proceeded to tell me I owe {$1600.00} or I could settle this right now for {$560.00}. I wanted to see some paper work to prove this was not a scam and needed to be a 100 % sure. During this whole transaction Mr. XXXX was rude and condescending and at even one point called me a liar, then hung up on me when I suggested this was a scam. I then called Mr. XXXX back and asked how this situation could be resolved. he explained to me that I could pay the {$560.00} with a bank transfer, credit card, or debit card. I asked if a paper check was good and was told " NO '' it had to be one of the earlier listed. I then asked for some sort of proof again that they were a legitimate company. He then emailed me a XXXX Document and stated that if I didn't want to go to court and settle this I had to sign the document and pay them within the hour. This threw up all kinds of red flags for me. I then did some research on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, Ca. XXXX ( XXXX XXXX XXXX and found a whole lot of scam details written by other people. I also took the time to look at the statue of limitations in my state as well as California ( it isn't 20 years its more like 4-6 ) I then called my local police department and they transferred me to the Alaska State Troopers and I was told to wait on a phone call back from them. In the meantime I received another call back from Mr. XXXX wanting to know if I had time to review the document and was ready to take care of this situation. I told him I was waiting on a call back from my Lawyer ( lie ) and started to hang up on him and he told me " you're so full of it '' and I hung up. This has been the last of any contact with these people. Although at XXXX, XXXX, and XXXX on XX/XX/XXXX I have received Spam Calls on my phone and will not answer these, only assuming it is someone from XXXX XXXX XXXX XXXX. I will no longer have any contact with these people. they know the last 4 digits of my # SSN They have my Phone Number and Birth Date way too much information for my comfort. They are rude and unprofessional. I have delt with credit collectors before and have never liked it but have also never had other people, and or employers in my life be harassed. I'm not that hard to find. So why not get ahold of me directly? Also there is the debt itself, its upwards of 20 years old, how is this even possible to collect.? Its not even on my credit report, HSBC the company these people told me was the ones who generated all this 15-20 years ago, has no record of me because they cant go back that far in their records even told me this must be some sort of scam. It all started off sounding legitimate but has turned into harassing conversation No paper work ( except the XXXX which I will attach ) and unwanted phone calls to employers and family. So please put a stop to this kind of action.
|
| 08/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I OPENED A CREDIT CARD WITH HSBC SHORTLY BEFORE MOVING AND SUBSEQUENTLY FORGOT ABOUT IT DURING THE MOVE. I RECEIVED A TELEPHONE CALL FROM HSBC ONE DAY ASKING ME ABOUT A RETURNED PAYMENT. I STATED THAT I MADE NO PAYMENTS AND HAD NOT RECEIVED THIS CARD. AFTER SOME BACK AND FORTH, THE CARD WAS CLOSED AND IT WAS STATED TO ME THAT THE CLAIM WAS DENIED.
WHEN APPLYING FOR THE CARD, THEIR SYSTEM REQUESTS A MOBILE NUMBER WHICH THEY VERIFY BEFORE APPROVAL. YOU WOULD THINK THAT SAME MOBILE NUMBER VERIFICATION WOULD BE REQUIRED TO ACTIVATE THE CARD.
I CONTACTED HSBC TO GET SOME OF THE MERCHANT NAMES AND DATES AND TIMES.
I CONTACTED A XXXX XXXX XXXX XXXX. HAVING EXPLAINED THE SITUATION TO THEM THEY PROVIDED ME WITH FUZZY DETAILS WITHOUT BECOMING TOO SPECIFIC.
XXXX XXXX XXXX XXXX ADVISED ME THAT A FEMALE USED THE CARD AND ALSO SCANNED A XXXX XXXX XXXX XXXX LOYALTY CARD BELONGING TO A MALE WHOSE NAME DID NOT MATCH MINE.
THEY FURTHER ADVISED THAT THE FEMALE GOT INTO A WHITE XXXX XXXX WITH XXXX PLATES WHICH WAS WAITING IN FRONT OF THE STORE.
I DO NOT OWN A CAR WITH XXXX PLATES NOR A XXXX. HSBC COULD HAVE PERFORMED THIS SAME INVESTIGATION YET THEY HAVE DONE ABSOLUTELY NOTHING. THE PERSON AT XXXX XXXX XXXX XXXX STATED THAT NOBODY HAD CALLED FOR THIS FOOTAGE TO HAVE IT " FROZEN '' IN THEIR SYSTEM.
THE OTHER MERCHANTS I CONTACTED REFUSED TO GIVE ANY INFORMATION TO NON-LAW ENFORCEMENT.
DURING THESE CHARGES, I WAS MOVING FROM NORTHERN VIRGINIA TO XXXX XXXX AND WOULD NOT HAVE BEEN ABLE TO TRAVEL TO XXXX XXXX, NORTH CAROLINA AND THE OTHER LOCATIONS.
IN ADDITION TO THIS CREDIT CARD, SOME OTHER DOCUMENTS, INCLUDING A TAX FORM FROM XXXX AND XXXX XXXX XXXX XXXX WERE ALSO STOLEN.
DURING THIS VERY DIFFICULT TIME, HSBC HAS CONTRIBUTED GREATLY TO THE OBLITERATION OF MY CREDIT SCORE DUE TO THEIR NEGLIGENCE. ONE OF MY ACCOUNTS WAS CLOSED BY XXXX XXXX XXXX CITING THE DELINQUENT ACCOUNT FROM HSBC.
CONTACTING HSBC IS QUITE FRUSTRATING AS EVERY REPRESENTATIVE GIVE ENDLESS CANNED/REHEARSED/SCRIPTED REPLIES AND THAT THE FRAUD DEPARTMENT IS NOT REACHABLE AND YOU CAN NOT SPEAK WITH THEM.
I HAVE ALSO TRIED TO REFINANCE MY MORTGAGE AND CAR LOANS TO NO AVAIL. HSBC IS CONTRIBUTING TO MY FINANCIAL DEMISE BECAUSE THEY REFUSE AND CONTINUE TO REFUSE TO REMEDY THIS SITUATION.
EVERY SINGLE ONE OF MY ACCOUNTS HAS BEEN PAID ON TIME AND WITHOUT A SINGLE PROBLEM IN 17 YEARS. IT DOES NOT OCCUR TO HSBC THAT SOMEONE WOULD NOT DESTROY THEIR CREDIT OVER {$1500.00} WHEN THAT PERSON HAS WELL OVER {$100000.00} IN REVOLVING CREDIT AVAILABLE.
XXXX XXXX HAS ALSO PLACED NEW LIMITS ON MY XXXX XXXX ( WHICH I AM PAYING A {$550.00} ANNUAL FEE FOR ) DUE TO THIS HSBC CARD BEING LISTED AS DELINQUENT.
I AM REQUESTING ASSISTANCE FROM BOTH CFBP AND HSBC TO REMEDY THIS SOLUTION IN A MEANINGFUL WAY.
I SHOULD NOT HAVE TO SUFFER BECAUSE OF A STOLEN CARD.
HSBC STATES THAT ALL THE PURCHASES ON THE CARD WERE MADE BY ME BECAUSE A PAYMENT WAS ATTEMPTED ON THE ACCOUNT. I STATED THAT I ONLY HAVE BANK ACCOUNTS AT XXXX XXXX XXXX XXXX AND A SAVINGS ACCOUNT AT XXXX XXXX XXXX XXXX. THE REPRESENTATIVES WOULD NOT TELL ME WHICH BANK THE ALLEGED PAYMENTS WERE MADE FROM. I ALSO OFFERED THE HSBC REPRESENTATIVES THE OPPORTUNITY TO CONTACT XXXX AND XXXX XXXX XXXX UNIONS TO VERIFY THAT NO SUCH PAYMENTS WERE ATTEMPTED FROM ANY OF MY ACCOUNTS YET THEY REFUSED SAYING THAT INFORMATION WOULD BE INVESTIGATED BY THE UNREACHABLE FRAUD DEPARTMENT. THE HSBC FRAUD DEPARTMENT HAS NOT CONTACTED EITHER INSTITUTION AS THEY HAVE NO PERFORMED ANY INVESTIGATION WHATSOEVER.
HSBC ALSO STATED THAT CREDIT CARDS MUST BE ACTIVATED USING A TELEPHONE NUMBER ON THE APPLICATION. I ASKED HSBC REPRESENTATIVES WHICH PHONE NUMBER WAS USED TO ACTIVATE THE CARD, THEY REFUSED TO PROVIDE THAT INFORMATION. I INFORMED THEM THAT I HAD DEFINITELY NOT CALLED TO ACTIVATE THE CARD AS I NEVER RECEIVED THE CARD AND DID NOT EVEN KNOW THE ACCOUNT NUMBER AT THE TIME OF THE CALLS. UPON REVIEWING THE TELEPHONE OUTBOUND CALLS, THERE WERE NO CALLS TO HSBC BEFORE THE ONES I HAD TO MAKE TO INVESTIGATE THE FRAUD INCIDENTS.
|
| 10/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that under no condition am I making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX XXXX XXXXXXXX Fair Debt Collection Practices Act : XXXX : XXXX CREDITOR CONTACT INFORMATION : HSBC BANK NEVADA NA 1 ) This account is so old, that it not only exceeds the legal timeline for collection, but there isnt an address for the actual account posted on a hard copy credit report. That is because the account is over 10-years old, and HSBC has not been in business in my area for over 20 years. The account information was picked up by a debt information pool by XXXX XXXX XXXX illegally.
2 ) The account must be deleted as the necessary timeline to be maintained on my credit report.
3 ) All files held by HSBC Nank Nevada NA must be purged, and any reference to such credit listings must be deleted from XXXX, XXXX, XXXX XXXX and XXXX respectively.
Please be advised that this is not a dispute, but a request to review the above listed tradeline, collection or item of public record. I realize that your job as a subscriber to the affiliated credit reporting agencies is a valuable service to the credit community, but as there are over XXXX, ( XXXX ) individuals just in the United States alone that depend on fairness on credit reporting, and mistakes do happen. At no time consider my objective to be a dispute against any of the bureaus, XXXX, XXXX, XXXX XXXX and XXXX respectively. I believe all medical collections if applied against me, should be removed without exception. However, I will negotiate any of those encumbrances if the collection is legal on its merits. I also request the deletion of tradelines if any prior payment histories have been removed or cut from my credit bureaus. In most cases, the 84-month timeline is valid, and my account, if showing a late payment within that 84-month timeline means under FCRA that the account should be removed, or if still a current account, brought to positive status. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act by-laws as mandated. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX XXXX
|
| 07/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On or about XX/XX/XXXX, at my place of work, I received a call from XXXX XXXX at XXXX XXXX XXXX advising me that I owed a debt to XXXX XXXX and that if I did not resolve the matter, they would be serving me with papers.
Out of fear and humiliation of being served at work, I agreed to make payment arrangements on a XXXX XXXX XXXX account that I knew I once had. Myself and XXXX came up with payment arrangements that would work for me. These payments were to be automatically deducted from my bank account.
XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - XXXX During the discussion, I asked XXXX to provide me proof in writing, advising me of the debt. XXXX agreed to send me an email.
On XX/XX/XXXX, XXXX left me a voicemail stating that the email was returned to her due to an incorrect email address. On Friday, XX/XX/XXXX, I returned XXXX 's call and provided her my email address once again. XXXX stated I would receive an email shortly.
On Monday, XX/XX/XXXX, I received an email from XXXX XXXX XXXX with an attached payment Authorization Form. I became suspicious of the form as it appears to be a generic form that is authorizing XXXX XXXX XXXX to charge my credit card with very little information regarding my alleged debt.
On XX/XX/XXXX, I made a call to XXXX XXXX XXXX and asked that they provide the original account number to me and XXXX XXXX XXXX stated that the debt was no longer owed and the account number for XXXX XXXX XXXX does not match the account number for XXXX XXXX XXXX that XXXX XXXX XXXX was providing.
After verifying all of the above facts, I called XXXX XXXX and advised her that if in fact, I did owe this debt, I would like to see some type of documentation that proves such ( a bill, confirmation from XXXX XXXX ) XXXX then transferred me to XXXX XXXX who advised me that if I did not pay this debt in full I would be served with papers. I then proceeded to advise XXXX that if in fact, I owe this debt, I would be willing to pay however, all I wanted and rightfully so as a consumer, was proof. XXXX stated that the authorization form was proof and my account number was on there. I told XXXX that according to XXXX XXXX that is not my account number. XXXX proceeded to tell me that XXXX XXXX has no business speaking to me as this is no longer their debt as it was sold to XXXX XXXX XXXX and they would be in trouble for speaking to me and XXXX XXXX XXXX would be sending XXXX XXXX a cease and desist letter. XXXX became very hostile and told XXXX to prep the paperwork and proceeded to shout and cut me off. I then told XXXX, if you won't provide me the info, at least allow me to look at my account online. XXXX stated that XXXX XXXX XXXX did NOT have a website and became more irate when I advised her I would look her up on the XXXX XXXX XXXX website. XXXX said " you don't want to settle '' and hung up.
I called back a minimum of 10x 's trying to talk to someone and all my calls were clearly being ignored via caller ID. It is a fact that every time I called XXXX knew it was me. I finally got through and " XXXX '' answered. I advised XXXX I was hung up on and would like to talk to someone besides XXXX. XXXX said " oh no, why were you hung up on '' and said please hold. XXXX came back on the phone and said " good luck in court '' and hung up on me.
I called XXXX XXXX on XX/XX/XXXX and was advised that any and all accounts I held with XXXX XXXX have been closed by me and have not been sold to a collection agency.
It should also be noted, that XXXX XXXX is NOT the only company trying to collect from me on a XXXX XXXX Account. I have asked XXXX for my money back that was deducted from my bank account {$320.00} and XXXX denied me.
After reviewing the company information on the XXXX XXXX XXXX website, it is clear as to why this company is rated F. They have scammed numerous people like myself out of money. They are threatening and harassing people like myself work not to mention the stress they put on people to say they have to come up with the money or else..
|
| 11/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
Servicemember |
|
HSBC DON'T WANT TO TALK TO ME, BUT THEY SENT A LETTER TELLING ME TO GET IN CONTACT WITH THEM, BUT I'M NOT GETTING NO RESULTS, I NEED CFPB TO STEP IN ... BECAUSE IM STRUGGLING, I PROVE TO THEM ABOUT THE IDENTITY THEFT AN THE DATA BREACH, I SENT ALL THE INFORMATION, THAT'S WHY THEY GAVE XXXX BECAUSE THEY KNOW IT WAS FRAUD ON MY ACCOUNTS, ALL OF THEM ... WHY GIVE ME XXXX IF THEY SAYING THERE WAS NO FRAUD, Y GIVE.ME ANYTHING, IT STARTED IN XXXX WHEN I OPENED THE ACCOUNTS, I REPORTED TO A LADY NAME XXXX THAT OPEN MY ACCOUNTS FOR ME, AN SHE ISSUED ME NEW ATM CARDS INSTEAD OF BANK CARDS, THAT'S WHEN THEY WERE LOCATED IN XXXX ON XXXX XXXX ... XXXX THEY MOVED IN XXXX I BELIEVE SOMEWHERE FURTHER ... .AN I COULDN'T GET THERE, HSBC NEED TO HONOR THE FACT, THAT THEY'RE WAS FRAUD AN THAT I NEED MY MONEY, I HAVE A XXXX SON AN A XXXX SISTER I TAKE OF, BUT HOW CAN I IF THEY ARE REFUSING TO GIVE ME MY MONEY BACK, THAT'S MY LIFE SAVINGS MY DAD GAVE ME, THAT'S ALL I HAD, THIS WAS TAKEN PLACE DURING THE PANDEMIC WHEN SCAMMING AN FRAUD WAS AT XXXX PERCENT, ALL THE BANKS KNOW THAT, IT WAS ON THE NEWS, FRAUD WAS EVERYWHERE, I LOST MY PROPERTY WITH ALL MY CREDIT CARDS, BANK CARDS, ATM CARDS, MY I.D . " s, WITH MY PIN NUMBERS, BECAUSE I WAS ISSUED SO MANY DIFFERENT CARDS, DUE TO THE FRAUD THEY WERE SEEING NOW THEY REFUSING TO RETURN MY MONEY, I WAS WITH THEM FOR A WHILE, A LOYAL CUSTOMER, HSBC DOCUMENTED ON BLACK AND WHITE ON THEIR LETTER HEAD, STATING FRAUDULENT ACTIVITY, BUT I HAVE NOTHING, XXXX, AN XXXX REFUNDED MY ACCOUNT, AN HSBC GOT TA REFUND MY ACCOUNT AS WELL OR SEND ME A CHECK FOR THE REST OF MY MONEY, I HAVE NOTHING DUE TO ALL THIS MISFORTUNE THAT'S HAPPENING TO ME, I CONTACTED THEM OVER XXXX TIMES, HSBC HAVE NUMEROUS RECORDED CONVERSATIONS OF ME CALLING THEM ABOUT THIS MATTER, AN I GOT ONLY XXXX BACK HOW IS THAT, IT WAS MUCH MORE, THEY'RE VIOLATING MY CONSTITUTIONAL AN CONSUMER RIGHTS, IM NOT THE ONLY 1 FOR SURE, AN I'M SO MAD THIS HAPPENED TO ME, BUT I PROVED IT WAS HAPPENING AN HSBC WAS SUPPOSED TO HONOR THAT AFTER THEY WROTE MY DOCUMENTED BANK LETTER HEAD PAPERWORK TELLING ME IT WAS FRAUDULENT, THEN TELLS ME ITS NOT BECAUSE MY PIN NUMBER WAS BEING USED, OF COURSE IT WAS IF MY PROPERTY WAS STOLEN AN ALL THAT INFORMATION WAS IN THERE, ON THE CARDS BECAUSE I HAVE SO MANY I COULDN'T REMEMBER ALL MY PIN NUMBER, S SO I HAD TO DO THAT SO I COULDN'T GET CONFUSED AN ALL THAT WAS STOLEN AN I REPORTED IT ... ..THIS STARTED IN XXXX UNTIL THE PRESENT AN BANK STATEMENTS PROVE THAT AS WELL, IT WAS PURCHASES FROM CLOTHING STORES, JEWELRY STORE, ONLINE ACCOUNTS IN MY NAME, I HAD TO GET A CONSUMER LAWYER, THIS IS OVERWHELMING TO ME, THIS NEVER HAPPENED TO ME NEVER, AN AT THIS MAGNITUDE, I CAN'T BUY FOOD, CLOTHES, I CAN BARELY PAY MY RENT, I'M NOT MAKING ENOUGH MONEY AT WORK, BECAUSE I WORK PART TIME, AN ITS NOT ENOUGH TO GET BY, HSBC NEED TO HONOR THEIR ORIGINAL INVESTIGATION AN THEIR PAPERWORK SAYS EXACTLY THAT, IM NOT CALLING THEM NO MORE BECAUSE THEY ARE LIARS, I GOT TAKE THIS TO THE COURTS, BECAUSE IM NOT GON NA STOP UNTIL I Get MY MONEY BACK THAT'S ALL I HAVE TO LIVE OFF TO MY NAME AN IT'S GONE, IF THEY COULD RETURN XXXX WHY NOT THE REST, ITS MY MONEY, NOT THEIR MONEY ... ..THIS IS NOT FAIR TO ME AT ALL ... WHAT AM I SUPPOSE TO DO NOW!! THIS IS OVERWHELMING, AN STRESSFUL, AN TIRING, AN EXHAUSTING, AN I NOT GOING TO CALL THEM ANYMORE, I GOT GET A CONSUMER LAWYER OR SOMETHING!! I DON'T KNOW WHAT ELSE TO DO AT THIS POINT, ITS LIKE THESE BANKS GETTING Away WITH THIS TYPE OF BEHAVIOR SN JUST LEAVE THE CUSTOMER HANGING AN CLOSE PEOPLE ACCOUNTS WITHOUT THEIR CONSENT NOR KNOWLEDGE, THATS UNCONSTITUTIONAL, THERE'S A REASON FOR EVERYTHING, AN THEY DIDN'T EVEN GIVE ME A REASON They JUST CLOSED MY ACCOUNTS, AN STOP TALKING TO ME OVER THE PHONE, THIS IS AMERICA, IM AN AMERICAN CITIZEN, I BEEN LIVING IN AMERICA FOR XXXX YEAR 'S, I NEVER EXPERIENCED THIS FROM A BANK!!! I'M GOING TO TAKE THIS TO THE MEDIA, AN XXXX IF I DON'T GET THE PROPER RESULTS FROM HSBC, BECAUSE I NEED HELP WITH THIS, I'M IN DIRE STRAIT 'S!!!!!!!!
|
| 08/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
FACTS On XX/XX/2019 I contacted the HSBC fraud department to communicate issues with suspicious and unrecognized activity on my card. The fraud department indicated that they could cancel the card and issue a new card in six business days. I emphasized the importance of receiving this replacement card in a timely manner. I was reassured that a replacement card would be issued in six business days. Unfortunately, HSBC failed to deliver the replacement card in a timely manner. This letter documents my bad experience with your customer service team when I called on Tuesday XX/XX/2019.
CONCERNS IS CUSTOMER GOODWILL WORTH XXXX DOLLARS?
The HSBC customer service representative in the XXXX did not show any empathy when I explained my frustration with not having the HSBC Mastercard. I rely on the credit card to make timely payments to different vendors. Not having the credit card caused me significant inconveniences where timely payment was not possible. The customer service representative conceded that the company failed to provide a replacement card in a timely manner. However, the customer service representative explained that there was no way to expedite the process.
Merely saying that you are sorry seems like a platitude where is no corresponding action to compensate the other party for the hardship. After considerable debate, the customer service representative offered me XXXX bonus points for my troubles. The representative was extremely reluctant to admit that XXXX bonus points was only {$5.00}. Essentially, HSBC did not appreciate any of the difficulties that I had endured as a result on not having access to a credit card. The company seems to indicate that my time is only worth XXXX dollars. Despite asking the question several times, the XXXX representative could not name a single item that I could actually buy with my XXXX dollar credit.
It seems insincere to apologize for the delay in providing a replacement credit card with XXXX bonus points. Even worse, your customer service representatives acted in a manipulative way to imply that XXXX bonus points was a significant concession. I am guessing that a XXXX dollar credit is not a significant investment in customer goodwill by a large multinational financial institution.
CONCERNS RUDE CUSTOMER SERVICE REPRESENTATIVES I spoke with three different representatives over a two hour period on Tuesday XX/XX/XXXX. In the course of these conversations, I incurred the following unprofessional behavior : 1 ) IGNORE THE QUESTION The customer service representatives would merely ignore difficult questions and simply read from a script. I do not like being treated like a child or an XXXX who can be ignored. I expect to be treated with respect. I am not an Alzheimers patient who will forget that no one answered my question.
2 ) PLACING ME ON MUTE AND IGNORING ME I was intentionally placed on mute and a customer service supervisor did not even listen to my concerns. She denied this unprofessional behavior. However, she could not repeat any aspect of my concerns when I asked her to prove that she was listening.
3 ) EXTENDED HOLD TIME After speaking to two customer service representatives, I was placed on hold for over 30 minutes before a manager eventually answered the line. No one ever provided an update during the 30 minutes on hold. No one ever apologized or attempted to clarify the unreasonable wait time. It seems like HSBC merely wants to frustrate customers with bad customer service so they eventually hang up.
4 ) LIES I was promised that someone from HSBC would contact me the following day. Unfortunately, no one from your company contacted me on Wednesday XX/XX/XXXX.
5 ) HANG UP My attempt to resolve this issue with HSBC was eventually terminated when a customer service representative hung up on me. Good customer service involves a certain level of patience and understanding. Unfortunately, customer service representatives who are easily frustrated and lose their patience is not acceptable.
|
| 09/16/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Web |
Older American |
|
In XX/XX/XXXX, I requested a copy of the Trust Agreement or Contract in which HFC II transferred my lien to XXXX XXXXXXXX XXXX XXXX HSBC ignored my requests. This is required since there are frauds involving over 11,000 transfers of lien. The letters sent in XXXX and XXXX of XXXX which stated transfer of ownership and servicer were material evidence of fact in the XXXX Class Action Lawsuit against XXXX XXXX XXXX Trust Trustee for LSF8 MPT, XXXX XXXX XXXX XXXX XXXX which reference the sale from HFC III. The Transfer of Lien filed with the Property Clerk of XXXX County Texas, was intentionally filed in XX/XX/XXXX stating, HFC III transfer my property to XXXX XXXXXXXX XXXX XXXX LSF8 MPT is an unregistered entity and can not do business and/or litigation in Texas. LSF8 MPT can not legally enter into a contract or Trust Agreement with HFC III. Therefore, the burden of a legal transfer of lien contract has not been met. XXXX XXXX XXXX, XXXX took over the servicing of the HFC III contract per a letter in XX/XX/XXXX. However, a transfer of that servicing from HFC III as the Servicer to XXXX XXXX XXXX XXXX XXXX as the Servicer was never filed with the Property Clerk and HFC III did not respond a letter to me regarding a copy of that Servicing Contract. The Security Instrument to Transfer the Lien to LSF8 MPT had an unauthorized signer as the Attorney in Fact. Caliber stated on the Instrument that XXXX XXXX was the Attorney in Fact for Caliber Home Loans. I have requested a copy of the Power of Attorney which the Principal, XXXX XXXX, signed authorizing him as Attorney in Fact. Caliber has never produced the Power of Attorney document. I have attached a list of authorized signers for XXXX, and it does not include XXXX XXXX. HFC III or HSBC USA, HSBC Compliance Departments have not produced Contract/Trust Agreement with XXXX XXXXXXXX XXXX XXXX. Caliber Home Loans can not legally enter into a Servicing Agreement with XXXX XXXXXXXX XXXX XXXX. Caliber Home Loans, Inc. is not the owner of the Lien per communication provided to me. Caliber could not act as a Lender in the State of Texas in XXXX. Caliber was only registered as a debt collector. 3 letters sent in XXXX and XX/XX/XXXX notifying that HFC III transferred my lien to LSF8 MPT and XXXX XXXX XXXX was the Servicer of my Loan, were the basis of a XXXX Class Action Lawsuit for violating RESPA, FDCPA, TILA and FCRA. I was a protected member in the XXXX. The Settlement was favorable to the Plaintiff and the Protected Members. We were exempted from litigation. However, another illegal transfer was made in XXXX to XXXX XXXX Trust as Trustee for LSF8 MPT in XX/XX/XXXX so they could defraud me of my home with a frivolous lawsuit naming XXXX XXXX Trust as the Plaintiff. HSBC Holdings PLC did not release the lien to me in XXXX but was an active participant in the real estate fraud. I invoked my Homestead Protection Act Instrumentation to protect my home from sell or seizure. HFC III still withheld the release of lien. The DOJ Deferred Adjudication Agreement HSBC Bank USA, HSBC Holdings Plc for Money Laundering and Other Financial Crimes was signed on XX/XX/XXXX. The fine was Asset Seizure and {$1.00} XXXX. HSBC Holdings Plc defrauded my interest by not releasing the lien and/or included me in the Consent Agreement of XXXX. HSBC Holding Plc had no right to sell my HELOC to anyone. I have attached pages from the XX/XX/XXXX 10-K report which addresses sells to third parties. On XX/XX/XXXX, a shareholder derivative action was filed by a shareholder against the directors, certain officers and certain former directors and officer of those HSBC directors and officers for breach of duties, a waste of corporate assets by causing the underlying US DPA. It is important to note that a Manager of HSBC Real Estate Division was now employed by XXXX XXXX XXXX in XXXX. See SEC 10-K XXXX Report. I allege negligence and intentionally withholding disclosures in order to perpetrate real estate fraud against me and thousands of others.
|
| 03/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XXXX XXXX, XXXX, XXXX XXXX XXXX, Vice-President Customer Disputes and XXXX XXXX ( that same person I spoke with on XXXX/XXXX/XXXX ), manager Customer Disputes, sent a letter to the NYS Attorney General stating that, " We have completed reconciliations on both accounts and can confirm that the account status on each account is accurate. '' AND " Account XXXX ( The account in question ) is current. The next payment is due on XXXX XXXX, XXXX, in the amount of {$1000.00}. '' Our XXXX XXXX payment was credited to our account on XXXX/XXXX/XXXX.
On XXXX/XXXX/XXXX after receiving a letter from Beneficial stating that we were in a repayment agreement and loss mitigation application that we had not initiated my husband called Beneficial to find out about this mysterious letter. He spoke with someone named XXXX who confirmed that they had made a mistake with the XXXX payment and we were not behind but up to date, and we are not in loss mitigation.
Statements for XXXX and XXXX XXXX do not reflect the correct payments that we made and my husband spoke with a XXXX at Beneficial on XXXX XXXX, XXXX and she confirmed that our mortgage loan account was up to date.
We received a letter dated XXXX/XXXX/XXXX from Beneficial saying that they have received our request for records of our account. The records we received are totally undecipherable.
We also received a letter dated XXXX/XXXX/XXXX from Beneficial informing us that our mortgage loan was being transferred to XXXX XXXX XXXX, XXXX effective XXXX/XXXX/XXXX. In the letter Beneficial states that it will not accept payments after XXXX/XXXX/XXXX.
Both my husband and I received XXXX copies of letters dated XXXX/XXXX/XXXX stating that we had to make a payment of {$2200.00} by XXXX/XXXX/XXXX or we would be in default and could lose our home. Note : the letter we received prior to these states they wo n't accept payments after XXXX/XXXX/XXXX. During this time they are also making repeated phone calls asking for payment. I consider this extortion.
Payment history : Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX we sent Beneficial a total of {$10000.00}. The financial records of our account that were sent to us by XXXX XXXX, Manager Customer Disputes, on XXXX XXXX, XXXX, confirms this and we have the cancelled checks to back it up. I am including that letter, with the records and the cancelled checks.
Our monthly payment is {$1700.00}. There are 5 payments due from XXXX XXXX through XXXX XXXX. {$1700.00} x XXXX = {$8500.00}.
So at the time that they sold our mortgage to XXXX we were not only up to date but ahead in payments.
From XXXX/XXXX/XXXX throughXX/XX/XXXX a total amount of {$3600.00} was received by Beneficial yet only one month was credited toward our mortgage.
We were also assessed XXXX late payment fees, XXXX on XXXX/XXXX/XXXX ( XXXX ), XXXX on XXXX/XXXX/XXXX ( XXXX & XXXX XXXX and XXXX on XXXX/XXXX/XXXX ( {$34.00} ) for a total of {$61.00}.
If they had properly credited our account with the payments we sent in and they cashed, we would have been credited with on time payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The total amount due for those 6 months was ( {$1700.00} x XXXX ) {$10000.00}.
We paid Beneficial {$10000.00} and that would leave {$500.00} for XX/XX/XXXX in our account.
Beneficial told XXXX we were two months behind when in fact we were more than a month ahead.
Beneficial sent a form letter response dated XXXX/XXXX/XXXX stating that they had received the above information and would respond in a timely and fair manner.
On XXXX/XXXX/XXXX Beneficial sent another letter of an extension notification because they needed more time to complete the necessary research to provide us with a satisfactory response to our correspondence.
On XXXX/XXXX/XXXX when we had n't received a response from Beneficial, we sent another letter to XXXX XXXX. They sent a letter dated XXXX/XXXX/XXXX acknowledging the receipt of this letter from us.
|
| 02/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Attn : Consumer Financial Protection Bureau, And as such, this complaint is in regards to a litany of fraudulent advances by the following entities, such as XXXX XXXX XXXX, XXXX XXXX XXXX, and HSBC Bank Nevada, N.A.
Moreover, this matter has been disputed in near the ending of XXXX, and in XXXX, of XXXX, in which I ended up winning on all disputed occasions with all three credit bureaus, but not only that this debt has no impact whatsoever on any of my credit files, or from any of the major credit bureaus.
Furthermore, it's a desperate and appalling attempt by all the entities that's still utilizing means of trickful advances with stunts to cause debt re-start, to take advantages in every possible and underlying ways disturbingly.
In addition, these advances by XXXX XXXX XXXX, XXXX XXXX XXXX, and HSBC Bank Nevada, N.A ... Are further attempts in which supports ethical fallacies, in written rationale fallacies, extortionate deeds, egregious acts, and downright major monkey businesses in which is seriously and dangerously non-de-minimis in itself etc.
Also, please keep in mind that such debt has long exhausted its maturity time frame to collect, and therefore these companies are well aware of every tactics in their mysterious approaches. More broadly, such acts can easily be labeled as knowing and culpable negligence without bias by any body of oversight governmental, and watchdog agencies undoubtedly speaking.
However, back in XXXX of XXXX, one of XXXX XXXX XXXX, affiliated entities, such as XXXX XXXX XXXX XXXX, utilized a symbolic method in regards to a college loan of nearly {$7000.00}, stunt-fully and tactfully by incorporating XXXX XXXX, to where I ended up bringing the matters to the Indiana State Attorney 's General 's Office, and as well as to the CFPB, and won both successfully speaking.
" Progressively, one of the attorney 's representing the Indiana State Attorney General 's Office, did share with me that if they XXXX XXXX XXXX XXXX, attempted to come after me, again by any deceitful and unscrupulous acts that they would revise what I layed out to them in complaint and take appropriate actions etc. '' So, in essence it appears that these interchangeables of entities hasn't learned any lessons to cease and desist from trying to underlyingly slight myself as a consumer, and perhaps the many other 's that has fallen to a emblematic approaches by means of ugly ulterior motives.
Additionally, XXXX XXXX XXXX, and companies affiliated will stunt-fully share a debt within their entities to entrap myself on multiple occasions, and I also believe that this is an unethical plan that is being utilized against otherly consumers to trick disadvantageously speaking, especially for those consumers that are not wisely privy to these nefarious acts by XXXX XXXX XXXX, and their affiliated counterparts.
In further, XXXX XXXX XXXX, also utilize means of in writtens of harassments, invasion methods of privacy by tracking consumers in credit establishments and to track where consumers are residing etc. It's a disgraceful act to begin with, but one that should be seriously investigated at the highest levels, that way the highest levels of justice 's can be levied without questions.
Progressively speaking, I am calling for an immediate investigation against these affiliated sister companies, as well as against HSBC Bank Nevada, N.A. Also, I would like for what I've shared thus far to be shared with multiple governmental agencies as a further means of helpful and informative information etc. And I will do my part as reflecting to a lawyerly pursuit, because it's time that these entities are taught a severe consequential lesson etc.
Furthertively speaking, these in writtens and shared chronicles now concludes the despicable acts of all the aforementioned entities that will for surely be facing swift and vigorous justices in a timely manner.
Please Note : Verifications of documents attached.
|
| 03/27/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
HSBC Premier Service Center.
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Case : Federal Transaction No. CHIPS XXXX USDXXXX. This is vital to the HSBC to trace the transaction apparently.
Compliance Dept.
On or about the XXXX XX/XX/2020, Mrs XXXX XXXX, a citizen of California, used an online CHIPS transaction through XXXX XXXX XXXX to send to my account with the HSBC USDXXXX. My account ends in XXXX. This was to pay 2 months rent ( XXXX and XXXX ) for her son to reside in our tenement accommodation in XXXX, XXXX XXXX. She has previously made quite a number of payments at the appropriate times and there has not been a problem. On the above date the transaction was successful for her, however, the amount of USDXXXX did not appear in my account. This caused a problem with the sender who felt she was not trusted even though I steered clear of making any suggestive comments as she had paid many times before. I rang the HSBC Premier and Fraud numbers several times over a few days as per the telephone menu guidance of the HSBC line. On every single occasion the HSBC stated that the amount had not manifested itself and there was no trace at all. To all intents and purposes it appeared that Ms. XXXX may not have been telling the truth. She gave me only few details that she had been given to her bank by the HSBC that they had launched an " investigation '' into the payment with undertones that it may be money laundering. WOW, so over the top by my bank without looking at my account where it would show Ms. XXXX 's previous payments. She persisted with XXXX XXXX XXXX and received information from correspondence that the HSBC had requested my date of birth and my gender and that she should be asked for these details! i will not repeat what her feelings over the matter were. Meanwhile I was completely without any contact from the HSBC inquiring about it - Yes! I am the account holder and left completely in the dark about these monies. I am both surprised and amazed that this inept attempt at making an investigation was made by the HSBC so called Compliance Department. Of course she did not know my date of birth. How silly is this and contrary to data protection values. I recontacted Ms. XXXX who had become stressed, as myself, as to what was going on as she and I were now " under investigation ''. Getting very frustrated with the HSBC I was even more determined to find out what the HSBC was doing with my money. She eventually managed to get hold of a federal transaction number under the CHIPS scheme as stated above. I gave this to the HSBC and finally it came up with the 'Compliance Department '. Suddenly there was a 'tracing to my account ' well known to their system yet no-one else in the HSBC knew about it. I left a formal complaint with the HSBC and the lady who answered me stated she had registered it. I am convinced, and will not be told otherwise, that my account had been randomly selected to boost the " compliance ' department 's statistical record to satisfy the executive. Personally I, as an XXXX XXXX XXXX and retired XXXX XXXX XXXX, suggest that the so called Compliance Department has a 'shake up ' of its system and people running it. Both I and Ms. XXXX have no record or other transactions to ' flag up ' a problem. Meanwhile with no contact from the HSBC to date, still wondering where my money is, how dare the bank keep my money without telling me and with no interest to be attached I have no doubt, banks being what they are reputed to be as on the 'mean ' side. This money pays service people, repairs, maintenance and service parts. I could go on but this action has caused me endless concern, stress and lack of sleep. If they keep doing this to people without just cause, we all could be out of business whilst the bank thrives from our monies. It is totally unacceptable and deplorable with the shabby way this transaction has been handled and my and Ms. XXXX 's treatment to boot.
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| 01/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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In XXXX XXXX I was offered a {$11000.00} cash for keys deed in lieu for XXXX of my investment properties of which I am in default since XXXX. I supplied all the documents. In XXXX my case manager, told me all documents were in and filed with each house. He told me there was n't enough time to save XXXX of the houses ( XXXX ) as the Sheriff Sale date was only a few days away. I had to except that. I lost the house. Then another property 's ( XXXX ) Sheriff Sale date came up and I was told it was too late because there were no documents on file. Later we found out the papers were filed incorrectly by the case manager. I lost that house but I appealed. I tried to get loan modifications but the offers were not in my best interest, then I was offered a {$11000.00} cash for deed in lieu for XXXX of my properties. XXXX property went through I received my check for {$11000.00}. Please note all the same documents were requested at the same time and received and successfully transacted for this property Once the papers were filed, it was up to the case manager to sort them and file them with the different properties. I have submitted a letter of appeal for ( XXXX ) The bank went ahead with the foreclosure claiming I did not file papers in time. Later we found out the papers were filed incorrectly. Another Property ( XXXX ) the bank decided to withdraw their offer in XXXX XXXX for {$11000.00} claiming there is a rule against cash for keys when a house has a Sheriff sale date. Now my new case manager XXXX has informed me the bank will not offer the cash for keys because the house is in active foreclosure. What? Why?? XXXX of the houses were in active foreclosure when they made the offer in XXXX. Suddenly the rules have changed? I was given the offer for the Deed in Lieu with {$11000.00} for ( XXXX ) with the tenants remaining in the house. Late XXXX I was told to have them move out and I should pay off a {$1700.00} lien and then I could reapply. Suddenly the rules changed. To be honest I do n't trust the bank and their offers anymore. I was not going to kick my tenants out before XXXX and if I do have them vacate, I do n't trust the bank will keep their promise. Will I still get the {$11000.00}? I find it awful that they want everything in writing from me, but from the bank, everything is verbal. I can not kick these tenants out unless I see the offer in writing from the bank. Needless to say and I am upset. Before I went into default we these mortgages, I ALWAYS paid my mortgages on time. I always paid all my bills on time. If my credit report was judged solely on my payment habits, I would have had an excellent credit rating. But since the XXXX economic crash, having XXXX loans made me a high risk. No banks would consider me for refinancing my high interests. My tenants were struggling, my houses need repairs. Land lording was getting more difficult and stressful. My health was failing, my finances were failing. I did not qualify for credit. YET I still paid my bills on time as of XXXX.Then I was advised but several resources, accountants, lawyers, financial advisers to stop making mortgage payments then the bank will listen and make offers to modify, offer deedinLieu or shortsale. But it took forever!! So much paper work. The loan modifications were a risk. Short sales were not getting offers. I wanted to get out form under this pressure. Then the bank offered {$11000.00}. I did n't ask for it they offered it! I am not a professional landlord. I have tried to manage these investment properties for 15 years. I have evicted XXXX tenants. Made too many renovations. Now ( XXXX ) is in repair due to frozen pipes. Landlording has putting me into a financial nightmare and caused my health to declined. All I ask is that the bank take the houses as they offered and pay me the {$11000.00}. Thehouses are in good shape. I cooperated in every way possible. Why are they changing the rules again!
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| 02/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX HSBC Mortgage Account # XXXX Company involved-HSBC, XXXX, and XXXX To CFPB : XXXX XXXX XXXX received funds from XXXX XXXX XXXXor my mortgage. The amounts were XXXX, XXXX, and XXXX. I XXXX XXXX contacted HSBC XX/XX/XXXX to confirm that they received the letter and the funds. HSBC Loss Mitigation informed me XXXX XXXX stated they received the funds. The HSBC Loss Mitigation Rep. informed me that they received the funds and it takes time for them to apply it to the mortgage account. The HSBC Loss Mitigation Rep stated that the HSBC State Fund Team handles applying the Funds to the account. The HSBC Loss Mitigation Rep. informed me that she has sent a number of emails to the HSBC State Fund Team concerning why they have not applied the funds to the mortgage account. The HSBC Loss Mitigation Rep. informed me she sent emails to the HSBC State Fund Team on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The HSBC State Fund Team did not respond. XXXX XXXX XXXX informed the HSBC Loss Mitigation Rep that HSBC told them that the past due amount was XXXX. The State agency on XX/XX/XXXX paid the amount of XXXX and XXXX XXXX and XXXX XXXX. HSBC State Fund Team received all three payments and did not apply the payments to the account to pay my mortgage. I XXXX XXXX contacted my worker and informed her that the HSBC Loss Mitigation Rep informed me that it would take some time for HSBC State Fund team to apply the funds to the account. The HSBC Loss Mitigation Rep stated that you know how HSBC State Fund Team works their slow. The HSBC Loss Mitigation Rep informed me that they have not responded to her emails. The HSBC Loss Mitigation Rep stated that it is a internal problem getting in contact with HSBC State Fund Team. XXXX XXXX XXXX asked if you received the funds XX/XX/XXXX and your HSBC State Fund is holding the funds and it is growing interest for your company HSBC. XXXX XXXX XXXX informed the HSBC Loss Mitigation Rep that I contacted my worker from the state of CT and I have a letter stating the funds amount and requesting that you apply it towards my mortgage account. The HSBC Loss Mitigation Rep. instructed me to email it to the Research Dept. XXXX and informed the Research Dept send the letter from the State of CT to the HSBC State Fund Team. The HSBC Loss Mitigation Rep. stated this should resolve the issue. The issue and problems still exist with HSBC Loss Mitigation and HSBC State Fund team. HSBC Loss Mitigation and HSBC State Team have not resolve their communication problems internally and did not apply the funds to my account for my mortgage. HSBC is also threatening foreclosure against my house. HSBC received the funds XX/XX/XXXX from the state of connecticut for the amounts of XXXX, XXXX, and XXXX and have not applied it to my mortgage. The HSBC Loss Mitigation Rep. informed me the funds are unapplied and in suspense. HSBC Rep are supposed to be certified and knowledgeable and not give inaccurate information. HSBC Rep. do both. HSBC Rep. are not knowledgeable and give inaccurate information to their customers. This company is also XXXX, XXXX, and HSBC it has reported inaccurate credit reporting, credit reporting errors, Inaccurate payment history, causing people to not qualify for loans, payments not accepted, causing customers not to be able to finance, lose customers payments, and harassing customers on phone call trying to get customers to feel frustrated.
I XXXX XXXX have provided you with both letters from the state and I could also provide you with records. HSBC has done all of the above to me and other minorities and we have submitted our complaint to your agency. HSBC is affecting our credit and we are forced to extend our loan for more than 30 years. Due to a number of errors HSBC has caused. Please get in contact with me as soon as possible. This is a huge problem that needs to be broadcast around the country.
Thank you!
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| 11/07/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
Older American |
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My father is XXXX years old and has a premier account with HSBC bank in XXXX. I have been bringing him to the branch on XXXX XXXX. the last couple years for his banking needs. Some of the staff at this branch know us & we have an investment consultant who has been helping my father 's investment accounts since the accounts were opened several years ago.
On XX/XX/XXXX, I brought my father to the bank to get some bank statements for the investment & money market accounts. One of the staff provided us the statements for the money market account & told us the investment account statements are being handled by the investment consultant only & she is out of the office. I told her that's not a problem & I can call her directly to schedule the appointment & come back next time. While I was reviewing the money market bank statements, I had some questions regarding three of the deposits that were rejected ( bounced checks? ) last month. I asked the staff if she could print out the supporting document for these items so we could investigate what the problems are.
While we were waiting to receive the supporting documents for these issues, this person ( later I found out his name is XXXX XXXX-Bank Manager, who we never met before ) approached us & told us : " I need to see him ( my father ) alone, you need to stay here ( waiting area ) ''. Then he ordered my father : '' Come to my office ''. My father looked at me & wondered what was going on. My father got up & tried to follow him to his office. I also got up & tried to assist my father ( who's using a cane for support, I normally assist him because even though he's in good health & him mind is still very sharp & clear, still he's XXXX years old & we always trying to assist him if possible to make sure he wouldn't fall ). XXXX saw me trying to walk with my father to his office, he shouted at me : " You need to stay here & can't come in ''. I wondered if XXXX understood his liability & HSBC 's liability if my father fell during walk to his office?
Inside his office, I heard XXXX ask my father : " What do you need? '' My father told him he would like to know the balance in his investment account. XXXX wrote it down on a small piece of paper & gave it to him than asked : " What else do you need? '' My father was getting irritated by XXXX 's rude behavior & told him : " I would like my daughter to come in to represent me ''. I went into his office & right away he told me : " I can only talk to your father but not you ''. He kept on shouting the same thing over & over again even though my father kept on telling him that he wanted his daughter to represent him. We both felt so furious about XXXX 's rude behavior that I told him : " I really don't understand how you run your business ''. XXXX got so angry from what I said then he shouted loudly & pointed his finger towards the front door : " GET OUT OF HERE & YOU ARE NOT EVEN MY CLIENT ''! He shouted the same thing three times & the entire office could hear him. This type of behavior by a bank manager is outrageous & totally uncalled for.
It's a shame that HSBC has a person like XXXX XXXX as a bank manager. Not only did he offer no customer service, he treated us like criminals & humiliated us in front of everyone in the bank. I understand that he never met us before & was trying to be careful, but we were there just to ask for, but not demand, documents. Knowing my father has the accounts with them & our investment consultant has been helping us for years, he could have just referred us to see her for our need, we would be more than happy to come back instead of being treated like criminals for such simple request. I am sure our investment consultant would have made her professional judgement as of what to provide or not.
HSBC management should follow up with XXXX XXXX & to make sure such a horrible experience that happened to us will not happen to other HSBC customers again.
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| 06/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I submitted a balance transfer of XXXX via web from HSBC to my XXXX XXXX account on XX/XX/2019. According to HSBC it'll take 10-14 days to processed the transfer. I contacted HSBC 14-15 days later to advised them that I didn't received the fund in my account and that if for some reason it didn't go through that it was okay to just cancel the transfer completely. The representative advised that they will look into the matter and will contact me for a follow up. Few days later I received a letter in the mail regarding issue of the balance transfer including a copy of a check from HSBC sent to XXXX XXXX referencing a completely different account number. I contacted HSBC right away regarding the letter and advised them that they have reference the wrong account number on the check. HSBC advised that they can not do anything about this matter because the check was already cashed by XXXX XXXX. In addition, they have advised to contact XXXX and have them re-route the fund to my account if it was incorrectly applied to a wrong account and that they can not further assist me.
The following week, Monday morning I walked-in to a XXXX branch and spoke to a branch manager regarding my situation. She assisted me in searching for the account number that was indicated on the copy of the check proven that it wasnt any of my account with them. Furthermore, she submitted an internal ticket within the bank about this matter. I asked I she could re-route or transfer the fund from that account to mine she advised that she cant process such transfer of fund because I do not have any of information on the copy of the check. She promised to follow up with me before the end of the week in regards to the ticket she submitted. The branch manager contacted me Friday morning and advised there wasnt any luck in finding any information about the balance transfer and provided me a contact number for the XXXX claim department for further assistance. I right away contacted the number given to me by the branch manager. I spoke to a representative and advised her of the issue that Ive been dealing with. The representative advised that they can not process transfer fund from one customer to another. She advised to contact the bank manager who Ive been speaking with that she would be able to contact the client/customer of the account number indicated on the copy of check and get a verbal confirmation if the balance transfer received on their account was valid or not. Again, right away contacted the branch manager and advised her what the claim department told me. She right away, advised me that shell do her best and will contact the customer and follow up with me as soon as she can. Later that afternoon I received a call from the manger and she confirmed that the customer with the account number on the copy of the check was another mutual customer of HSBC and XXXX and that person had also made a balance transfer from HSBC to Chase. Then thats when realized HSBC had sent me one of their customers proof of balance transfer. Also, the check was dated XX/XX/2019 which obviously can not be the check that HSBC claimed they've processed as my balance transfer fund to XXXX, the fact that I requested the fund transfer online on XX/XX/2019.
I've reached out to HSBC and advised them of the facts and requested them to find out what happened with the balance transfer. I have expressed my concern with HSBC about the re-payment which according to my statement first payment due on XX/XX/XXXX and how I felt that I shouldnt have to make any sort of payment until this issue is resolved but at the same time I was extremely concerned that itll greatly affect my credit score. This has been the most stressful situation Ive ever experience. Ive been contacting HSBC once or twice a week to get an update on this issue, unfortunately I havent heard back from the credit card company in regards to solving this matter.
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| 05/31/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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This is the letter I wrote to the CEO of Retail banking for HSBC ( XXXX XXXX ) after not making progress with the customer service center. It explains the situation in detail. I have heard nothing back from the bank since and have been unable to recover my {$25000.00} that was lost to the bank 's error.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear XXXX XXXX, I am writing to you to inform of you a very distressing experience with HSBC US. I am a Premier Customer who is going through a very bitter divorce. I looked at my accounts on my mobile app Sunday XX/XX/XXXX and discovered $ XXXX had been transferred out of my savings accounts into my ex-husbands XXXX account without my consent. I immediately raised a fraud concern. This conversation was horrendous, the rep continuously talked over me and was very unhelpful, I could not understand how this had happened and was deeply distressed. I kept asking how is it possible for my ex-husband to get access to my savings accounts? The rep assured me someone would call me back. No one did. I called back the following day to discuss further and got through to another rep ( who also talked over me! ). This rep informed me the savings account in questions was a joint account. This was a HUGE surprise to me. Back in XX/XX/XXXX I went into the XXXX XXXX branch of HSBC to open accounts in my own name to protect my assets from my soon to be ex-husband. I told whoever it was I spoke to what the situation was and that I needed help protecting my money from my ex as he pays nothing towards my XXXX daughters welfare. I was told I needed to open a new checking account and close the joint account which I did. I was also told I DID NOT need to open a savings account as I already had on IN MY NAME only. I categorically remember asking them to confirm this as I am sure you can appreciate how important it is for me to have protection of my assets.
When I was told by one of your reps today that it is a joint account I nearly fainted. I ask why I would put all my money into the one place he can get access to. As far as I was informed by HSBC it was not a joint account, it was my account solely in my name. Because I was misinformed I am now $ XXXX less well off, money I need to cover the costs of raising XXXX children alone in XXXX. There is a clear paper trail to identify all of that money as my money earned as part of my bonus for the year of XX/XX/XXXX, a year I lived alone with my XXXX children with no financial support from their father. Money he has now been able to help himself to because HSBC made a BIG mistake.
Once I realized HSBC has made this error instead of helping me I have been made to feel like I am on trial if you listen to your calls you will hear the countless reps I have been passed around too literally saying its your word against ours. No one has listened to me, no one has offered to help. I see this as a fundamental error of HSBC misinforming me when I categorically ask for help to protect my assets from my ex-husband.
I have enclosed screens shots from your HSBC website of my savings account as well as listed contact information nowhere showing my exs name and hence no reason for me to not believe the rep in your XXXX XXXX branch that confirmed that my account was in my name only and safe. For contrast, I have also included screenshots of my still existing joint account in the XXXX that does show the name of me and my ex.
I would like to kindly ask you to help me. What can HSBC do to help me retrieve that money money I have lost due to a HSBC error, money I can not afford to lose for the sake of my XXXX children? Money I had asked you as my primary bank to help me protect. This transaction is fraud and it is theft as it was taken from my sole account without my consent. It does not matter to me that technically it was a joint account as that technicality is the fault of HSBC.
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| 02/27/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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On XX/XX/XXXX XXXX XXXX XXXX contacted my sister-in-law in an attempt to reach me. They provided her with a reference number, a phone number, and mentioned it was a litigation matter. I received the information from her and contacted Integrity.
I was put in touch with XXXX at XXXX. She informed me that she had just received my account that morning and was trying to reach me to discuss the matter. I asked her to not contact my sister-in-law again and she confirmed my number. I questioned her on this being the first attempt to contact me as the number provided to me was in my call history ; the company had made previous attempts to reach me prior to the XX/XX/XXXX.
XXXX assured me this wasn't the case as she had just received the account that morning. She stated that she was attempting to collect on an account on behalf of HSBC Consumer Lending from XX/XX/XXXX for {$1300.00}. I asked why I did not receive any physical mail about the collection efforts. XXXX told me XXXX only had the account for 3 weeks and she did not control what the mail department does in mailing out account details.
I asked her to send me the information so I can review it and to include an address and account information for payments. She informed me they only take payments over the phone or thru the use of a prepaid card. I told her my discomfort and reluctance about providing debit/credit card information over the phone.
I remembered I had an account with HSBC thru Beneficial but not in XX/XX/XXXX. I began to question the debt 's authenticity and she threatened to serve me at home or work with a court summons suing me for the debt. XXXX mentioned she was authorized to offer me a settlement of a payment schedule for a reduction of the balance.
Once I began to ask questions to gather information about the debt, she became hostile and immediately stated she was putting me down as a refusal which meant this matter was going to court. I asked her wasn't she obligated to discuss settlement terms before she put me down as a refusal. I mentioned I was only trying to get information about the debt since Integrity 's policy is to not send out mail.
XXXX put me on hold. After a brief delay, she came back on line and told me her supervisors were listening to the call and that she should discuss the settlement terms. She then mentioned that the HSBC account was actually from XX/XX/XXXX and that the account had been placed into collections in XX/XX/XXXX.
She mentioned I needed to agree to the settlement that day only and had to consent in an email thru electronic signature on a form from them sent via email. I acknowledged that I had an account with HSBC but it was included in a XX/XX/XXXX bankruptcy and therefore the debt was no longer valid.
We ended the call her and I contacted the attorney that handled my bankruptcy to discuss this matter. I talked to a clerk and discussed this matter and the above mentioned recollection of events. I provided XXXX 's number and left it there. I contacted XXXX and provided my attorney 's information and that the matter is to be directed to the attorney. My attorney informed me that she would provide Integrity with proof of the bankruptcy.
My real issue is how and why did XXXX XXXX come into possession of this account considering it was discharged thru a bankruptcy. I contacted HSBC and they had no information attached to my social security number thus no active attempts to collect the debt. The aggressive nature of XXXX 's collection attempts, immediate refusal of offering a prestated settlement in lieu of me asking informative questions, and the threats of litigation were abusive in nature and combative. Due to the fraudulent attempts to collect and to avoid litigation, I felt immediate pressure to pay the settlement amount on the XX/XX/XXXX and even made a transfer of funds in my accounts to pay the {$750.00} settlement.
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| 04/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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We originally took out a mortgage loan in XXXX. After financial problems forced us into bankruptcy, we went through several lenders. Our mortgage was split in XXXX between XXXX XXXX and Beneficial. We recently settled with HSBC / Beneficial for a loan modification after 5 years in foreclosure status. When our bankruptcy was dismissed in XXXX, the monthly loan amounts went to XXXX per month from XXXX. We continually received monthly statements from the company, with that monthly amount, until it was reduced to {$890.00} in XXXX ( statements attached ). The amount we owed on the principal was outstanding at XXXX and the total amount due was {$290000.00} as of XXXX/XXXX/XXXX. A year and a half a go we secured our XXXX lawyer, and there was an agreement for a loan modification in XXXX XXXX. He arrived at an agreement with the mortgage company, which we reluctantly took, rather than be forced out of our home. The cost for the modification was {$4000.00}, plus a XXXX payment of {$810.00}. We felt hurried to make this agreement because in XXXX XXXX we were due to go to court and our lawyer assured us we would lose the house, because the judge was " tough '', in his words, and the opposing attorney only gave him XXXX options, the worse being ejected from our home in the middle of winter ( email attached ). In hindsight we would have asked the court to scrutinize the amount we need to pay over the next 20 years, plus a balloon payment of over {$100000.00}. Our new monthly will be {$790.00}, with {$89.00} going to the principal, {$200.00} going to interest, and {$490.00} going to taxes in an escrow account. The fixed interest is 6 %. Because our home was damaged by XXXX XXXX we can not fix our home to where we can secure insurance. Our yearly income is a {$XXXX} pension and {$XXXX} from part time work. We fear we will never get equity in the home, as our home has been valued around {$190000.00}. We have always acknowledged a willingness to repay the debt, originally take out by my deceased father-in-law. But it is the amount we are repaying, and the failure to give us a reason why the monthly amounts were so high. We originally took out the mortgage with XXXX XXXX until we went into bankruptcy and they sold the note. After that we could never confirm an actual amount owed, even with our lawyer, who was later relieved of his license by the state. Our XXXX lawyer, did not know anything about bankruptcy so he hired an other to work with us. They had a disagreement and she quit. We tried to contact him, but he never returned our calls nor answered our emails. We tried to get help through an advocacy agency in XXXX XXXX, we gave them all the information, and they asked for more. They stopped communicating with us, and when we finally did contact them, they claimed the funds were gone. We did make a complaint to the agency head. but received an answer not addressing our concern ( see email reply ). Our last lawyer admitted we had a difficult case, and after more than a year he suggested a loan modification. We were not happy with this, because it was five years later, and then the mortgage company decides to do the loan modification. Had this been done 5 years earlier, we would have avoided the interest, which was 8.99 %. Plus, with all this, the question as to why we were charged over {$5000.00} per month for years was answered in a XXXX email from our attorney 's firm, but was never resolved ( see email ). Also, we have a copy of the mortgage company 's attorney writing to our attorney : ... '' I apologize for hounding you, but this matter is set to be service-released to another servicer very shortly and HSBC seeks to get this settlement agreement finalized before that happens ... '' ( email attached ) That 's why we have no confidence in this settlement. We have emails and other correspondence and all other information regarding this case. Thank you.
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| 05/02/2016 |
No |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I continue to be denied mortgage assistance based on affordability as a result of false income inputs calculated and exploited by HSBC ( XXXX XXXX ). The purpose of this complaint is to obtain the raw data used to calculate the gross monthly income, net monthly income, and total expenses for me that was used to deny me for mortgage assistance multiple times now.
I provided HSBC ( XXXX XXXX ) with every document that was requested to include a letter of explanation for my income. Nevertheless, HSBC ( XXXX ) has continued to use erroneous income figures to deny me for mortgage assistance. I have requested the raw data from the case manager, XXXX XXXX XXXX, but XXXX XXXX advised that she does not have that data and that I would need to submit a QWR in order to obtain such data, which is the outrageous ; she should be able to convey what inputs were used to deny me for mortgage assistance as my case manager.
Attached and below, please find the explanation for my monthly income simplified in multiple formats and with multiple letters. I have provided every document that has been requested with regard to my income so if there was any discrepancy with regard to what was stated on the RMA and what was used, there should 've been further requests to validate the income ; no such requests were made to ensure valid inputs.
With regard to the validation of self-employment income, it would be incorrect to use solely the tax return to establish my self-employment income. All self-employed individuals will tell you that the goal is to minimize tax exposure with business deductions, which is what ALL business owners do to reduce their taxes annually. I listed my monthly gross income at $ XXXX monthly on the attached RMA and that figure has never been disputed nor has there been any additional requests for documentation to validate any portion of my stated monthly income.
Please instruct HSBC ( XXXX ) to respond immediately with the exact figures used for both the gross and net monthly financial figures, both income and expenses. To clarify, I will need to see each income source clearly on a gross and net level to understand the percentage that was removed by HSBC ( XXXX ).
Again, please instruct HSBC ( XXXX ) to provide the income figures used to deny me for mortgage assistance, since HSBC ( XXXX ) never did so when requested in the prior XX/XX/XXXX appeal, and since XXXX XXXX conveyed that she DOES NOT have that information. Please be specific because I could not calculate how HSBC ( XXXX XXXX ) set my income at {$4400.00} per month. My monthly gross income is {$9000.00} as evidenced by the aforementioned explanations and supported by the documentation provided and attached.
Again, please instruct HSBC ( XXXX ) to provide a detailed explanation of the financials used to calculate the new gross and net income for me since I was advised that the taxes were used to calculate current income ; however, the XXXX tax return was used ( covering XXXX income ) and that is not an accurate snapshot of the income received in XXXX ( or what will be received in XXXX ) nor does it appropriately convey the current economic upturn that business owners have experienced and are still experiencing in XXXX and XXXX. Please instruct HSBC ( XXXX ) to recalculate my income in an honest and ethical manner or provide a valid explanation for the HSBC ( XXXX ) Mortgage calculations.
I absolutely have sufficient income to qualify for mortgage assistance. It is my understanding that HSBC ( XXXX XXXX ) continues to deceptively deny me for mortgage assistance by falsifying or incorrectly calculating my total monthly income for the sole purpose of denying me for mortgage assistance based on affordability.
Thank you for your assistance with this matter and I look forward to hearing back from you and HSBC ( XXXX ) with regard to this complaint ( and consumer violations ).
|
| 07/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Beginning XXXX 2014, my income was reduced and I began having difficultypaying my mortgage. I applied for Loss Mitigation to try and reduce my monthlymortgage, however in XXXX months time, HSBC never reviewed the requireddocuments. They kept writing me saying the documents were old, and I had tosend more recent ones. When I did send more recent ones, they were neverreviewed in the time frame needed, and they kept asking me to provide morerecent documents XXXX bank statements XXXX. I worked with a mortgage specialist there, XXXX XXXX, who made sure I faxed the needed documents in time. He confirmed each times that he received my documents in time, and that I would hear from them with an answer in XXXX days. This happened at least XXXX times since XXXX 2014, but my application/documents were never reviewed, and I kept gettingletters from HSBC, saying my documents were old and I had to send more. At thispoint, my entire mortgage is now due, and my mortgage account has gone to theattorneys for foreclosure. I really needed help from HSBC with loss mitigation, however it seems they really are n't trying to help the customer with lossmitigation applications. It 's also often VERY difficult to reach the mortgagespecialist assigned to you, which also can delay the process. It 's unfair nowwhat has happened to me as a result - I waited at least 4-5 months sending themrequired documents on time, and they never even reviewed them. Now I stand tolose my home. Something 's drastically wrong as they make a commitment to helpcustomers, but they do n't hold up their end. Can someone make them keep theircommitment to help me?
After the Florida Atty. General investigation, I received a response from the Vice-President of Customer Disputes, XXXX XXXX XXXX. However, her information given was certainly NOT parallel with the information I received from XXXX XXXX, the Mortgage Specialist, nor his supervisor XXXX.
XXXX XXXX Office XXXX Customer Disputes XXXX stated the reason why my loan applications were denied, were the following:1. My bank statements had a " third party '' name XXXX joint account with my husband ).
2. I submitted bank statements from XXXX different banks XXXX which I use all actively ).
3. I did not submit my prior years tax return ( I was never asked for this item ).
These XXXX apparently required items ( above ) for the application were NEVER communicated to me by XXXX XXXX communicated to me by XXXX XXXX XXXX XXXX Mortgage Specialist ). XXXX XXXX viewed the documents I submitted, and communicated that I would receive an answer within 2 weeks. He communicated this to me each time I submitted further documents XXXX several times XXXX. He NEVER mentioned the XXXX items noted above. if I 'd known these items were required, I would have made the necessary adjustments much earlier, and had a better opportunity to finally complete my application. However, the only information I repeatedly received from XXXX XXXX, was the the documents were no longer recent, and I needed to re-submit recent documents, which I did several times in a timely fashion ( XXXX XXXX confirming the receipt of my documents in the given time frame with each submission ).
I ca n't help but ask, where and when did these apparently new requirements emerge? And why was I never informed? Were these merely presented in response to the Attorney General 's Investigation into my complaint? Why was I never informed of these requirements, or given full disclosure as required by law? Or have my rights to full disclosure been violated? Hence, seeing this pattern continued for months, and not being given the proper information XXXX the XXXX items numbered above ), my mortgage account is now completely delinquent, and will be dated for foreclosure soon. I 've done everything in my power to bring attention to this matter, in making a much needed application for loss mitigation.
|
| 02/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
I would like to file a complaint of harassment against Beneficial Finance, HSBC, which is now XXXX XXXX XXXX. They continue to ignore my original complaint against them skating the issue with signed documents and legal jargon that I am not able to understand. I have recently secured a lawyer XXXX XXXX of XXXX NY to advise me further in this matter. He is in process of reviewing this entire matter which is very complex but told me that Beneficial Finance has had many suits filed against them in the past and they have always had a reputation of fraudulent activity or a smoke around them of being in some sort of trouble.
My original complaint against them has to do with a mortgage that I and my ex wife went to them with in which they pressed me with a then new concept of a XXXX lawyer closing. I argued with them then that I had my attorney I always used and they had my ex-wife and I watch a video on XXXX lawyer closings and assured me then that if there was " any problems '' that they have a team in place of unbiased mediators that could get involved and solve any conflicts.
Feeling pressured by the local office and they quickly won my ex-wife over I reluctantly submitted to this process as they assured me it would make everything go smoother and faster in the mortgage.
In Beneficial 's response, which was bought out by HSBC, then XXXX XXXX XXXX they have never addressed my original complaint of the fact that they did not file all of my debt, nor was it disclosed to the then used attorney using blatant deception in getting their underwriters to approve this mortgage.
They then pushed the mortgage through not telling my ex-wife and I that all our debt was not included in this mortgage even after they required us to produce all of our debt listed on a paper copy plus required us to provide our social security numbers to do a further debt search.
We only learned of this after the closing where we were led to believe that all of our debt was now included in this new mortgage and that everything was paid off following the closing when debtors began to call us at the end of the month asking where their payment was. Many of these people we had contacted to tell them that the mortgage had been approved and that their checks would be cut at closing.
My immediate response was to call the local Beneficial office which was eventually bought out by HSBC now XXXX XXXX XXXX and demand an explanation. They called my ex-wife XXXX XXXX XXXX and I in for a meeting.
Their solution to this ooops! They suggested that this could be " fixed '' by a short term note for {$8000.00} at something like 23 % interest to cover the immediate payment need. They then suggested we apply for a XXXX mortgage in which the {$8000.00} would be paid off.
I initially refused demanding the mediation that they promoted. They informed me that the mediation did not apply to this and there was nothing else they could do.
We felt helplessly and hopelessly bound in this situation and reluctantly submitted to their plan.
To this day they are not answering any of this. They are only producing copies of our signed statements which were done under duress. The combined mortgages put our monthly payments from just over {$900.00} to almost {$1400.00} dollars a month.
When my ex-wife forced me into divorce proceedings over multiple issues that ended XXXX her chief complaint was financial pressure though I won the case with XXXX grounds later. If there was any single factor however that put undue pressure on this marriage it was this mess created by Beneficial later purchased by HSBC Bank now XXXX XXXX XXXX.
Beneficial has a smoke screen they feel over this now by the fact they have changed ownership, sold the original Mortgage to companies who scoop up what they feel are bad loans continued harassment filing now a foreclosure against me and my new wife.
Beneficial must answer
|
| 08/17/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
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|
I request that the CFPB investigate HSBC 's unlawful restraint of exempt funds in my account and charging of an illegal {$100.00} fee in violation of XXXX Exempt Income Protection Act ( EIPA ). HSBC 's illegal acts have caused me significant hardship. I am currently unemployed and do not have a permanent residence. Because of my difficult financial situation, I rely almost entirely on unemployment income deposited to my account to make ends meet. Over a XXXX month period, HSBC repeatedly refused to release the exempt funds in my account despite my concerted efforts. I had no money at all during this time and had to rely on friends and family to support me.
On or around XXXX XXXX, 2015, HSBC received a restraining notice against my account and levied a {$100.00} fee. ( Exhibit 1 ) The restraining notice was issued pursuant to XXXX law, in enforcement of a XXXX judgment. ( Exhibit 2 XXXX XXXX law provides that a restraining notice shall not apply to a bank account that contains less than a statutorily protected minimum amount ( currently {$2100.00} XXXX. If the account contains less than {$2100.00}, the restraining notice is deemed void. XXXX XXXX XXXX ( i ). At the time of the restraint, I had only {$270.00} in my account, far below the statutory minimum of {$2100.00}. Therefore, the restraining notice was void and my account never should have been restrained.
Upon unlawfully restraining the account, HSBC failed to send me notice and an exemption claim form. XXXX XXXX XXXX ( b ) ( XXXX ). The next day, XXXX XXXX, {$490.00} in unemployment benefits were directly deposited to my account and restrained, even though unemployment benefits are exempt from restraint by law. ( Exhibit 1 ). Shortly thereafter, I attempted to make cash withdrawal from an HSBC branch XXXX, and was only then informed for the first time that the account was frozen. When I complained that my account contained exempt funds, the bank representative told me that there was nothing she could do.
On XXXX XXXX, 2015, with the help of an advocate from New Economy Project, I reached out to the HSBC XXXX Department and was wrongly told by a representative that the restraint was not governed by XXXX law because the account was opened XXXX. The representative proceeded to place me on hold for over one hour and told me that an attorney from HSBC would contact me during the week, but no attorney ever contacted me. On XXXX XXXX, 2015, I reached out to HSBC a second time and was told by a representative to call the following Monday as no one in their Legal Department was available. The following Monday, XXXX XXXX, 2015, I called HSBC for a third time and was not allowed to speak to a bank attorney but was told once more that XXXX law did not apply. On XXXX XXXX, 2015, an attorney from New Economy Project spoke directly with the HSBC XXXX Department and explained that EIPA applies to my account and that the restraint was void, but once again HSBC refused to release the account.
On XXXX XXXX, 2015, New Economy Project reached out to the creditor 's attorney who agreed that the account should not have been restrained and offered to request that HSBC release the account. The creditor 's attorney informed us that she had received a legal opinion letter from HSBC reiterating an incorrect legal position. HSBC did not share the opinion letter with me or New Economy Project, but apparently the letter stated that EIPA did not apply because the account was opened XXXX. There is no basis in XXXX law for this opinion. To the contrary, the law is quite clear that a XXXX restraining notice does not apply to bank accounts containing less than {$2100.00}, and there is no geographic limitation on this protection. XXXX XXXX XXXX ( i ).
On XXXX XXXX, 2015, more than XXXX months after the unlawful restraint, HSBC finally released my account, but HSBC still has not refunded the {$100.00} fee.
|
| 03/10/2016 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
HSBC froze funds and closed checking and credit card accounts without giving reason and without allowing the opportunity for any defense.
We suspect the only reason is that the account holder is a XXXX national.
The account holder is a retired XXXX window who lives in XXXX. The checking account has been open for more than 10 years and the activity on the account has not changed since. The source of the funds have also remained unchanged, the account is funded with regular check deposits from passive rental income. The real property which is the source of the income is located within the US and has been owned by the account holder for 40 years, and it was purchased when the account holder was a permanent US resident, with income generated from employment in the US.
The problems started when suspicious calls were made by someone who purported to be from HSBC to the account holder 's residence in XXXX, so we inquired by sending an online banking " bank mail '' message and HSBC responded that there were no records of HSBC having made calls, so we assumed they were fraudulent calls. Later we received a letter sent to the US mailing address, stating that we needed to call a number to provide missing information before a certain date. No mention of what information was being requested was provided. We made the call in a timely manner but were told by HSBC that we had to provide the unspecified information in person, at a specific HSBC branch, ( which was not near our US address nor was it the branch where the account was opened ). The deadline was not extended regardless that we explained that the account holder resided abroad. The funds were frozen and online banking access blocked. The account holder was able to fly to the US and go the indicated HSBC branch a couple days after the deadline. She brought with us passports, bank statements and proof of the source of the income. We were told by a XXXX XXXX, a Bank manager at the HSBC Branch on XXXX XXXX XXXX XXXX, XXXX, NY, that " they '' may not accept the information and documents we were showing her. But she would not tell us who " they '' were or precisely what information was required. All we knew is that because the account was from a XXXX national, " they '' needed the source of funds information. We were, however, able to draw an HSBC cashiers check with most of the funds, and decided to take out business elsewhere. We were also told that we could continue using an HSBC credit card which they said had nothing to do with the checking account. Today, notwithstanding, we received a letter informing us that the credit account was being closed because we allegedly failed to provide the information they requested, and online banking is blocked so we can not even pay the balance on the account and will likely incur interests for late payment.
We vehemently deny having failed to provide information. We, in fact, provided information regardless of never having been clearly told what information was required or why it was being requested. The only thing we were told was that banking has changed now a days. I understand that HSBC has been involved in international money laundering. But we are not criminals, all funds are traceable to a legitimate source. Unfortunately, it appears that simply for being XXXX, lawful funds were withheld, credit ratings may be harmed, and the accounts were closed. All, for no good reason. The fear of loosing the funds she depends on have caused significant troubles and distress to the innocent account holder, who happens to be my mother and I am a US Citizen. I am also an NY XXXX and am able to understand how regulations work, so I can confidently say that HSBC appears to be acting unfairly and, perhaps, unlawfully. And my research shows that my mother is not the only one being treated this way. I trust CFPB will help end this discriminatory treatment.
|
| 07/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have recently been appraised of the settlement between the state 's attorneys general and HSBC mortgage. I had XXXX mortgages with HSBC ( HFC ). In XXXX during the economic crisis we applied to HFC for mortgage relief under both XXXX and XXXX. We were directed initially to XXXX who informed as had HFC that as HFC had not received any TARP funds they had no obligation to assist in any mortgage relief but that I could apply for a financial hardship request and a interest rate reduction. Our original interest rates were 9.5 % on our XXXX and 13.5 % on our XXXX. My husband was self employed and I worked for a company that ultimately closed and I also went into business for myself. Over the next several years we also had numerous health issues that also overburdened our finances. I received my first delinquency notice on XXXX. For the next several months we went back and forth with HFC. It was in XXXX of XXXX that my husband met with HUD to discuss the " Making Home Affordable Act ''. I already explained that HFC totally stonewalled us on that. Over the next XXXX years we received XXXX temporary hardship reductions for six month period of times. During those times the first mortgage was reduced for six months to 5.5 %. The process for interest rate reduction included long periods of time, many, many request for documents and duplication of documents by HFC. During these years I was constantly under threat of foreclosure and acceleration. By XXXX of XXXX we were still seeking a permanent modification. During the XX/XX/XXXX with foreclosure looming we started seeking help from companies who had contacted us by mail and phone. I was aware that I would have to go into foreclosure to try to get HFC to work with me. Almost all correspondence was between HFC and my husband who handles all of our financial issues. ( I have a XXXX '' binder of letters and actions between HFC and my husband and I. We finally settled on XXXX XXXX XXXX out of Calif. who required that we pay them {$3000.00} for services. We were aware that we should no have to pay for these services but HFC would not deal with HUD reps. By XX/XX/XXXX we were {$6700.00} in arrears. Although we were aware that these kind of companies are generally fraudulent we had no choice and they did work hard for us. In XXXX, XXXX was able to negotiate a reinstatement amount of the past due and acceptance of ongoing payments ( not reduced hardship ). XXXX was also attempting to get int. rate reduction. fee and penalties waived and if possible a reduction in principle. HFC agreed that if we would pay the arrears they would stop foreclosure. That amount had to be paid by XXXX/XXXX/XXXX. We paid the amount and the funds were deducted from our bank. A month later we found that HFC had no record of the pmt and that they were foreclosing. Later we found after waiting for three months and them refusing to locate the funds that they had posted them to an old acct. We were scheduled for foreclosure on XXXX/XXXX/XXXX. HFC even returned a pmt by check for a mnthly pmt they agreed to accept. The only reason the house did not go to sale is the trustee upon verification of our pmt by us refused to sale the property. A month or so before sale, HFC sold the note to XXXX and turned over servicing to XXXX Home Loans. We found out on the internet that this is a common practise of HFC. For the next six months XXXX refused to accept pmts. Demanded a huge amt of documents repeatedly and finally reduced the interest rate to 7 % for 5 years with interests deferred, accruing and penalties assigned. Still HARP or XXXX relief was denied to us. In the proceeding 8 yrs we have accrued $ XXXX in deferrals. Additionally, we attempted to file a Ch XXXX but XXXX challenged it as well as an IRS debt that accrued and it was dismessed by the judge. Gees were assigned by HFC for that. Still no long term relief.
|
| 05/27/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In XXXX I opened a Line of Credit with Household Finance Corp XXXX. According to HFC my last payment was XXXX XXXX which is also reflected as such on my credit report. I contacted HFC on XXXX XXXX, XXXX at which time XXXX informed me that my loan was closed. She said it was charged off and had a zero balance, I asked to have the Deed of Trust removed from my title and she told me to submit a written request for a release. I faxed the request that day. I called to follow up on XXXX XXXX, XXXX and spoke with XXXX. He claimed they had not received the request and asked me to fax it again which I did that day. In talking with XXXX he confirmed the info XXXX had given me, On XXXX XXXX, XXXX I spoke with XXXX who confirmed the info both XXXX and XXXX had given me only this time he also said that a release had been sent to XXXX County. I trusted that this had been completed and unfortunately when I checked my property records I did n't see it, On XXXX XXXX of this year I spoke with XXXX at HFC and explained all the history on this account. She confirmed again that the loan had been charged off and instructed me to fax a letter asking for a " Paid in full '' letter. I called on XXXX XXXX to confirm receipt of letter and spoke with XXXX, Once again he confirmed that the loan had been charged off and was showing a XXXX balance. He asked me to fax in a letter requesting a release and this time asked me to also send the deed of trust, I faxed both that same day. I was told it could take 15 days so I called on XXXX XXXX and spoke with XXXX she also confirmed the loan had been charged off and informed me that it could take several days before my request would be entered in their system and that they were behind. She said that it would be sometime between XXXX XXXX and XXXX before they would even see it on their screen. XXXX also instructed me to not send another copy because it would delay the process further. During my conversation with XXXX she told me that a reconveyance was sent to XXXX County on XXXX XXXX, XXXX and that I needed to call XXXX County which I did. XXXX County had not received anything in regards to this Deed of Trust. On XXXX XXXX XXXX at HFC said my request had been uploaded and had been assigned to someone but there was a 15 day turn around. He confirmed the info XXXX had given me in regards to a release being sent to the County on XXXX XXXX but could n't comment further and a supervisor was n't available, I made follow up calls on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. Each time they told me to allow more time for processing that they were behind and that my request was being processed and I asked each XXXX of these people if there were any problems with it getting done and they all said " No they were just running 15-30 days ''. On XXXX XXXX I spoke with XXXX who confirmed my loan had been charged off, showed a zero balance and my request was processing. I asked to speak to a supervisor, she gave me to XXXX who said my release was " on hold '' because the " Trustee '' they used for Washington went out of business and they did n't have a new XXXX. She could not give me any indication as to when my request would be completed. Later that same day I decided to call again and this time spoke with XXXX who told me that my loan had been sold to XXXX XXXX whom I have never heard of nor received correspondence from. XXXX said they had mailed me a letter in regards to this. I never received such letter and after pushing she finally told me that it was sent to XXXX XXXX XXXX. The letter is dated XXXX XXXX, XXXX this is impossible because I did n't give HFC updated address until XXXX XXXX, XXXX. It has never been mentioned in all of these calls that that my loan had been sold and I have never heard anything from XXXX. I have always contacted HFC. I believe this has exceeded the statue of limitations.
|
| 07/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have tried for the past 5 years to get a loan Modification with HSBC, it all started when our financial situation changed and HSBC put a forced insurance policy on the house when there was a lapse in the new coverage. The combination of the loss of income & increase mortgage put us in a detrimental financial situation. A modification packet was sent in all the paperwork they requested, we kept a log of all the calls and emails and soon realized they would take weeks to get back to us only to say that they needed more paperwork. Meanwhile HSBC filed a foreclosure case. After 6 months of going at it, we realized that every 30 days the modification was restarted by them. We must have submitted over XXXX modification packages. We contacted XXXX XXXX Counseling agency to see if with their assistance we can get better results. Nothing happened. We hired an attorney, the attorney got us to a Mediation with the XXXX 's XXXX, at the Mediation hearing it was agreed that they had all the paperwork required and a trial period would be started, they only needed for me to fax them XXXX additional piece of paper. We called and called and the trial was never started, they wanted a new packet. We called the Mediator and she stated she would reach out to HSBC but nothing happened. So stressed and dissapointed in the lack of effort on HSBC we just figured we would wait until HSBC came back to us and really wanted to help us work things out as nothing we did on our end was working. The foreclosure continued and in 2014 we decided to start the process again we had been told banks were now streamlined the modification process. We filed another modification packet, send it via Priority mail with proof of delivery, it is received by HSBC but they only uploaded part of the package they did not know where the rest of the packet was " THEY LOST THE MODIFICATION PACKET I MAILED IN '', so I need to resend the packet so this time the case manager gives me her email, I email all XXXX pages. By now I am speaking with the case mananger daily who is telling me they have everything I should have an answer soon. Two weeks go by I get a letter in the mail they are missing paperwork I sent directly to the case manager 's via email two weeks ago. The case manager is out sick at least once a week, she goes out on vacation, etc. this goes on for 6 months, always missing some paperwork or 30 days have gone by and need to submit new paperwork. I requested to speak with her manager and initially this new manager tells me she will handle, with her I finally get a confirmation that they have a completed packet, this is about 6/7 months after I started again in 2014. Since I know this packet is only good for 30 days I am on the phone every day asking making sure no other paperwork is required and I will get a decision. On day XXXX when I call in they tell me they are missing a updated form and that unfortunately I will need to resubmit, INCREDIBLE! I am beginning to fall ill due to the stress and the inefficiencies with this company, two more months go by I get the manager 's supervisor, top person in Modification to listen to my concerns and she steps in to help ... couple more months go by but at least she is a bit more responsive. New packet requested and is sent via email to both supervisors, case manager and general HSBC modification email after 28 days I got a call today after calling multiple times that the modification was DENIED because the principal & interest is greater than debt, do n't even know what that means but I just feel they have just denied it to avoid working out a solution, we qualify under the financial parameters, HSBC is deliberately doing this to take our home away. They have put up every barrier they need to make sure they do not provide a loan modification. I think it is totally illegal what is being done here.
|
| 04/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have had my loan with HSBC mortgage services for over 12 years and I was laid off from my job on XXXX/XXXX/XXXX. I have since fallen almost 2 months behind with my mortgage and have requested a modification from them. However, they have denied me, claiming that my home has no value. I was assigned to a mortgage service specialist ( XXXX XXXX ) whom I expressed my concern to about my mortgage being increased and also that I had requested modification and wanted to know what the status was. She explained the reason for the increase stating that my escrow had a shortage of {$2500.00} and that my mortgage was increasing from {$1200.00} to {$1400.00}, which I 'm still confused about. She also told me that when I called in for assistance in XX/XX/XXXX the representative that spoke with me advised me to send in my letter of unemployment but I did not respond to their request. I told her I was not asked to send in any information and I had only found out about it that very day that she was talking to me. She still insisted that I was informed. The specialist who was obviously aggravated with me continued to accuse me wrongfully so I asked her to play back the recording of the conversation that I originally had with the first representative when I called in to advise them of my dilemma. Realizing that I was not backing down from her lies and that I was going to prove her wrong, she paused and then apologized to me for the " miscommunication ''. I knew from then that I was going to have some difficult times ahead with her as a specialist and the only way to prove my innocence from there on was to record all my conversations with her, ( which I have in my possession ). She also advised me that I could get in contact with HUD. I called XXXX ( HUD ) who are trying to assist me. I called my mortgage service specialist on XX/XX/XXXX to advise her that I was meeting with a HUD representative on XX/XX/XXXX ( which was the following day ). She immediately advised me that I needed to let HUD know that I was already denied a modification so I would n't be considered for it again and gave me two extra days to advise her of what I wanted to do. On XX/XX/XXXX I called her back to advice that XXXX was now a third party representing me and she once again reminded me that I would not be considered for modification. The only thing HSBC is willing to offer me is a payment arrangement, Title-in-lieu, or short sale which is not an option for me right now. I am not willing to give up my house so easily. XXXX has faxed in all the necessary people paperwork and all the information that HSBC has asked of me.
HSBC contacted my sister in Florida on XXXX/XXXX/XXXX ( the same day that I spoke with XXXX XXXX looking for me or my ex-husband ( who by the way is no longer on my deed ). I am clueless as to how they got her number and why they would even reach out to my family member when I have been in contact with them and have also given them information of my third party representative ( NID ). That same day that they contacted my sister, a HSBC representative ( XXXX ) also called me. Is this their way of trying to embarrass and frustrate me to get me out of my home? I have proof of the phone call to my sister if needed and I also have a recording of XXXX 's call. I would appreciate any assistance that I can be given as I feel like I 'm fighting a losing battle. They have my cell phone number which is my only form of contact. I have never dodged any of their calls so for them to go out of their way to get my sister involved is very hurtful to me. HSBC 's customer service is very poor and it seems like their staff are all trained to be mean to their customers which makes me a very dissatisfied customer. I have taped all my conversations with them and have proof of it if needed. I do not trust them at all. Thanks in advance!
|
| 09/16/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
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1. On XXXX/XXXX/16, I called HSBC for a payoff balance on my Select Credit Account and paid it off on XX/XX/XXXX. Because HSBC moved out of NYS, this account was closed years ago.
2. Over the years, I 've set up automatic payments, twice a month, to pay it off as quickly as possible, more than doubling the payment. On XXXX/XXXX/16, I was in a position to finally pay the balance off and stop the automatic payments. XXXX told me the payoff was {$560.00}. So, I paid it off, repeatedly I asked her to make sure the auto payments discontinued, and requested a letter stating the account was paid in full. XXXX told me my statement would say it, but I insisted on a letter. She agreed. The confirmation # she gave me is : XXXX. ( See HSBC Item 1a/1b. ) 3. On XXXX/XXXX/16, I called back because the letter I received did not say my account was paid in full, but that it was closed. I spoke with XXXX. I explained I received the wrong letter and that I wanted a " paid in full '' letter. ( See HSBC Item 2. ) XXXX went on to explain there was a {$63.00} credit on the account. I put 2 and 2 together, checked my bank account online while still on the phone with HSBC and discovered they took {$60.00} out of my checking account with XXXX XXXX XXXX on XX/XX/XXXX. I told her I wanted my {$60.00} back and I did n't know what the {$3.00} was. She told me they had to investigate. HOWEVER, I told her if she can SEE there is a CREDIT on the account, there is no reason for investigation because SHE told me they owed ME. Everything I said fell on deaf ears. Long story short, XXXX promised to expedite and monitor my refund request. She told me it maybe 3 to 5 days before I get a check and then she will send me a " paid in full '' letter. Confirmation # XXXX.
4. On XXXX/XXXX/16, I received a statement from HSBC and NO CHECK, but the payment date they took the unauthorized {$60.00} out of my account was XXXX/XXXX/16! ( See HSBC Item 3a/3b. ) The statement states that they owe ME {$59.00} and interest charged {$3.00}. So I waited and waited for a check until XX/XX/XXXX. I called them back and spoke to XXXX. I went through the entire nightmare with her. I waited 45 minutes on hold, before I even got a rep to talk to. A very long story short, she claimed that her supervisor told her that it will be 3 weeks on Wednesday, XX/XX/XXXX, and that the request was processed and the check is in the mail. I was furious! They made me wait 3 weeks + 1 week since I paid it off, even though THEY MADE THE MISTAKE AND TOOK MONEY OUT OF MY ACCOUNT WITHOUT MY AUTHORIZATION. XXXX swore I 'd get my money and told me to hang on, it will be in the mail this Wednesday. Confirmation # XXXX.
5. Today is Friday, XXXX/XXXX/16 and as of yet, I have not received my money. I tried calling, but their phone system keeps hanging up on me. Today I decided I 've had enough. Holding my money for OVER A MONTH is no excuse. I want my money back and my letter stating I 've paid in full and that I 'm in good standing with the bank. This is THEIR MISTAKE, NOT MINE.
If they think I 'm going away, I 'm not. AND one last thing. To TOP IT OFF, XXXX had the nerve to ask me if I actually ASKED XXXX to cancel the automatic payments!! I told her I repeated myself and that SHE XXXX, not me. And asked her WHY ON EARTH would I allow the bank to take money from my checking account to pay on an account that is no only closed, but as of XX/XX/XXXX had a XXXX BALANCE??!! In a round about way, she agreed. But what kills me is that they WERE TRYING TO PUT THE BLAME ON ME!!! The are thieves.
I have a question for you that they could NOT answer. How could they charge {$3.00} on an account that had a XXXX balance? How? Why did they show - {$59.00} and not - {$60.00} on the statement they sent? Did they think I 'd give them 1 cent. No way!
Please throw the book at them.
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| 06/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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We have lived in our home for 34 years.
We made a Loan with XXXX XXXXXXXX / HSBC in XX/XX/XXXX of {$100000.00} HSBC was the Lender & the Loan Servicer.
Each month we would receive a " statement '' from HSBC to make our payment.
The payment was {$740.00} In XX/XX/XXXX we filed for Chapter XXXX Bankruptcy in XXXX, MO with Attorney, XXXX XXXX XXXX.
HSBC was NOT included in the Chapter XXXX Bankruptcy, as we were prepared to make our monthly payments to HSBC as usual.
HSBC was notified of this.
We paid off the Chapter XXXX in XX/XX/XXXX Since XX/XX/XXXX HSBC ceased ALL communication with us.
HSBC sent NOTHING No " statements '', No mail, No phone calls, nothing.
We tried calling HSBC for over 6 months We tried to find out where to send payments, but every phone call to HSBC was met with " we can not talk to you about your account while you are in Bankruptcy ''.
We wrote letters to HSBC with no replies from HSBC.
Our Bankruptcy Attorney, XXXX XXXX XXXX, called HSBC and was met with the same answer.
Our Bankruptcy Attorney XXXX XXXX XXXX, told us the HSBC will contact us after the Bankruptcy is finalized.
We paid off our Chapter XXXX in XX/XX/XXXX and still " nothing '' from HSBC.
It has now been " over 10 years '' since our last communication with HSBC and we received a " notice of Foreclosure '' from HSBC.
It is then I contacted Foreclosure Attorney, XXXX XXXX.
HSBC has since sold the Loan to XXXX XXXX XXXX, who has filed Foreclosure.
XXXX XXXX XXXX has since sold the Loan to XXXX XXXX, who has filed Foreclosure.
XXXX XXXX XXXX has tried to have us evicted.
Our Attorney, XXXX XXXX, had the Court set a Trial By Jury for XX/XX/XXXX.
XXXX XXXX XXXX has since filed a Unlawful Detainer.
XXXX XXXX XXXX informed our Attorney that they may settle for apprx {$65000.00}.
Knowing that we can not get a Loan while under Foreclosure.
We have no other avenues, as we are on Social Security now.
.
To me : HSBC was supposed to be the Lender & Loan Servicer, but has since turned into a Loan Collector and aggressor.
There is nothing in our Loan agreement that states HSBC has the right to cease ALL communication & not continue to send statements for us to pay the loan.
HSBC caused the loan to go into Foreclosure and made demands " after 10 years '', knowing full well that we as the Borrower did not have sufficient funds to pay the loan off.
Our rights as a borrower has been denied by HSBC & has caused " irreparable harm '' to our credit, home and livelihood.
HSBC has committed fraud on us, as the borrower.
The methods used by HSBC was fraudulent, and designed to obtain a Foreclosure which goes against many Lender / Borrower rights & laws of the State of Missouri.
Had HSBC kept with our agreement and made contact with us, instead of denying contact, we would still be making our loan payments and not be in the position HSBC has put us in.
We contend that HSBC never intended to service the Home Loan in good faith and instead became the collector / aggressor to make the loan move into Foreclosure thru fraud.
Why else the NO communication, phone, mail or any other means from HSBC?
Why else the " over 10 years '' of NO communication, phone, mail or any other means from HSBC?
We have continued to pay our Home Insurance & Home Taxes every year.
We also contend that XXXX XXXX XXXX and XXXX XXXX has NO stake in the ownership of the Loan or our Home, because of HSBC failure to Service the original Loan and having NO contact for over 10 years with us, HSBC has yet to offer any excuse.
XXXX XXXX XXXX should have accepted HSBC & XXXX mistakes & we should be the " Plaintiff '' & should have the right to sue them for all this XXXX.
We were always prepared to make the Payments as agreed, but " how could we ''? ... ..They would not talk to us or even offer to start making payments.
|
| 03/02/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Yesterday, XX/XX/XXXX, my husband was contacted by someone asking for me by my former married name. I called the number back at XXXX. I spoke with XXXX XXXX who talked very fast and told me that they are prepared to file suit against me in my home county of XXXX on XX/XX/XXXX. I live in XXXX, now.
XXXX XXXX gave me file # XXXX. He proceeded to tell me that they are going to get a judgement against me to garnish my wages from the State of XXXX and place liens on my assets. I was shocked and explained that I do not have any idea what he is talking about.
He said that they had mailed something to me back in XX/XX/XXXX. I explained that if they sent this in my former married name, it was probably thrown away because I only get junk mail in that name these days.
I asked XXXX XXXX to slow down many times so I could take notes. He stated that I agreed to arbitration when I signed up for the card and with that, it allows HSBC Household/XXXX XXXX to pursue this debt for up to 15 years and that it went to collections in XXXX.
I again, stated that I have no idea what he was talking about and that I haven't had any defaulted credit cards since I left my ex husband in XXXX or XXXX and that he was supposed to have been paying the credit card bills. XXXX XXXX stated that that is about 90 % of what he hears.
XXXX XXXX stated that they have not yet filed a complaint, but are prepared to do so on XX/XX/XXXX. He stated that the debt owed is {$2200.00} but if I make a XXXX time settlement, they would knock {$1000.00} off so I would only pay {$1200.00}, but if they take it to court, it will cost me over {$5000.00}. He also offered me a payment plan of $ XXXX, but that I would be paying the full amount, if I chose that option.
I asked XXXX XXXX what company he's with and he stated that he is with XXXX XXXX in XXXX and they are mitigating this debt on behalf of XXXX XXXX in XXXX XXXX, XXXX.
I explained that I needed time to talk to my husband and someone else about this and he stated that he would need to get permission from an " administrator '', ( I believe ), to put this on hold. He placed me on hold and came back and told me that he would need to hear back from me by the end of the day. I explained that I and my husband both work and I need more time than that. He stated he would give me until Friday or Monday and he would email me a " Validation of Debt ''. He gave me an outdated email that I haven't used in over 10 years. I gave him an updated email address and he sent me a form that I was supposed to initial and send back via XXXX. XXXX XXXX then gave me call back phone # XXXX ext. XXXX.
The first document I was sent, asked me to respond by XX/XX/XXXX. I called XXXX XXXX back at the phone number on the document, XXXX XXXX, ( a XXXX XXXX, CA area code ), and stated that I needed that date corrected and XXXX XXXX stated that he would get that changed to XX/XX/XXXX as it is now on hold. I received that corrected document and will attach it if able.
I've reviewed this document and can not sign something that I do not know anything about. IF I owe this debt, the last payment on this would have been around XXXX and it doesn't make sense that they would wait until XXXX to put it on my credit.
I've done research and obtained advice from an attorney who recommended that I file this complaint, that the debt is time-barred by the statute of limitations, and that it is illegal for them to threaten to sue, garnish, and place liens or to actually take these actions.
I have tried to obtain addresses for XXXX XXXX, XXXX XXXX, and XXXX XXXX, but was unable to find them in XXXX, XXXX, nor XXXX. I do not have any kind of address for these people and am beginning to wonder if this might be a scam altogether, which is worrisome as they have my personal information such as SSN and DOB.
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| 03/24/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Using a debit or ATM card
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Web |
Older American |
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Now the problem with the debit card that was much more serious.
I was then using my debit card that expires in XXXX / XXXX to pay my bills in the XXXX because I 'm in XXXX. And also to withdraw money in XXXX for my personal expenses.
Is that because they sent new debit card with ship, did not respect the expiration date of the card I had ( XXXX / XXXX ) and canceled it in XXXX, XXXX although I have informed several times by email, phone and bankmail that I was in XXXX and would only return to the XXXX in XXXX / XXXX, when I would take and activate the new card ( I have all the evidence of these notices by bankmail because I copied them all and have the names, dates, and times when I talked to the Customer Service regarding ( The bank has to have these conversations recorded ).
HSBC has left me in a very difficult situation because, not respecting the expiration date of my debit card, unilaterally broke a contract between the parties, as I had planned and bought trip to the XXXX in XXXX just to get the new card. Besides that, without debit and credit card, and can not honor my bills in the XXXX, I was also unable to withdraw money for my living in XXXX, where I am until XXXX XXXX.
So I called the customer service and asked to send new debit card to the branch of HSBC XXXX, closer to my residence. ( HSBC propaganda is this : " If necessary we send new card where you are ... anywhere in the world '' ) Informed the address of the branch and the manager 's name in XXXX different calls to the customer service on XXXX, XXXX and XXXX XXXX XXXX because they did not send the card. Now, I find that on XXXX/XXXX/XXXX they sent the card again for my mailing address in the XXXX where there is none. Now the problem with the debit card that was much more serious.
As the card requested for branch HSBC XXXX was not enough, I decided to send money to people on my mailing address for them to send me the card that arrived on XXXX. When they are ready to send, comes another card on XXXX. So these XXXX cards are sent to my address in XXXX by XXXX and I paid {$36.00}. The cards come to my house at XXXX. When I try to activate this card in customer service, they tell me that a third card was send for branch HSBC XXXX requested and only this third card was enabled to be activated. The XXXX who came to me had been canceled. All this happened without my knowledge and unilateral determination of the credit card department of HSBC XXXX. Then I called the branch manager of HSBC XXXX and he informed me that the card had gotten their hands. The next day I had to make a XXXX miles trip to pick up the card and finally the night to get it active.
I WAS EXACTLY ONE MONTH, WITHOUT MY DEBIT CARD, unable to pay my bills in the XXXX and especially unable to withdraw money in XXXX for my expenses fault of disorganization, negligence and / or incompetence and arrogance of the office staff cards HSBC Legally what Can I do based on the Consumer Rights. A branch of my account is in XXXX, Fl.
HSBC Caused me material and moral damages with their irresponsibility, negligence, incompetence and arrogance for dealing with neglect the needs of customers.
On the site below are XXXX Consumer Complaints & Reviews, almost all making serious criticism of HSBC, which strengthens my complaints XXXX additional important information. I am XXXX ( XXXX XXXX XXXX ), I live in XXXX and spend one month a year in the XXXX to solve problems with the bank. Have an account in HSBC XXXX XXXX XXXX XXXX branch, in XXXX XXXX, XXXXXXXX ) since XXXX XXXX which keep part of my investments in the XXXX. I am not, therefore, an XXXX citizen, and not resident. But I have investments and bank account in the XXXX since XXXX.
I look forward to your reply Thanks and regards XXXX XXXX XXXX XXXX Phone XXXX ( XXXX ) XXXX - XXXX : XXXX, XXXX XXXX
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| 10/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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In XXXX XXXX I contacted HSBC to see if I could qualify to have my existing mortgage modified to reduce my cost. I was an existing HSBC mortgage holder. I was assigned a case manager who was going to help me with this process.
I have been officially placed on permanent full medical social security XXXX as of XXXX XXXX.
XXXX XXXX was assigned to me as my case manager by HSBC.
Several months went past and I was finally asked to do a 4 month trial payment to see if I could afford the modification. My trial term started XXXX XXXX and was thru XXXX, XXXX and XXXX.
My original loan payment was {$1100.00}. My trial payment was {$1600.00} I was told I could no longer pay my mortgage at my bank and my new loan officer would take a payment directly for XXXX of my checking accounts. I complied with all requests.
Upon completion of trial payments, I was told I qualified for my modification. I was sent some info telling me the new APR was 2 % fixed.
A set of contracts were sent to me on XXXX XXXX. However now I was told HSBC made a mistake and the new APR would now be an adjustable at 5years @ 2 %, next 5 years at 3 % and on the 11th year it would cap out at 3.75 % .. I was n't happy with their making such a big mistake But I agreed to this new term.. I was told a new contract would be sent to me with correct information. I have still to this day ( XXXX ) have not received it.
There was also a question of the amount of my new mortgage. It was raised from {$170000.00} to {$180000.00} I was told {$4900.00} was added to create an escrow account.
An additional charge of {$2500.00} was added for accrued interest. I questioned this since I had never made a payment late. HSBC as told me at least 3 different places where they were putting my trial payments.
There was no transparency from HSBC as to where all my payment were going There was no explanation of why I was being charged for accrued interest. ( I made all payments on time ) 1st ... principal and interest was taken and the additional money was put into forming escrow account.
2nd ... Then extra monies were moved and now put in a suspense account.
3rd ... Then I was told the extra monies were moved to pay down principal.
HSBC could not decide what to do with my payments.
After a very frustrating conversation with XXXX XXXX, He told me he would no longer work with me and put his supervisor in touch with me.
My new loan officer was now XXXX XXXX. He was unable to answer any questions I had and kept telling me he needed to check with his department and would get back to me.
Finally I was handed over to a supervisor XXXX XXXX.
All this was over a 4 week time period.
All along I was assured my modification was approved and new contracts would be sent.
Now my mortgage was sold by HSBC as of XXXX. I was told by HSBC not to make a XXXX mortgage because my new loan would take effect on XXXX XXXX.
No contract has ever been sent to me and HSBC has left me hanging. They had 10 months to close this loan, but did not due to their negligence.
Lastly, I retained an attorney to help me with this process. I was told I need to put in writing his name and info. I faxed this info to HSBC on XXXX XXXX and was told they need 24-48 hours to verify info.
I was told by XXXX XXXX on the following Thursday ( XXXX XXXX ) that he was still not verified and they would not allow him to speak on my be half. I feel they knew my loan was going to be sold and just procrastinated to not have to fulfill their obligation to me.
I have been left now with no answers and no explanation to their process and their refusal to further assist me in any way.
My new loan company has told me that they can not answer any questions till XXXX and I do not know if all my time and work with HSBC has been in vain. The new mortgage company is not under any obligation
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| 06/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
Servicemember |
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Recently, upon my return in late XXXX XXXX from XXXX ( XX/XX/XXXX to XX/XX/XXXX ), I received a statement to collect monies that were 90 days or more past due from HSBC Bank. I was surprised by this, having thought that my fraud claim with HSBC via telephone and subsequent re-issue of a new HSBC card had cleared up the situation.
In response, I called the HSBC Bank both the Customer Service and the Fraud Alert Department. Per HSBC, I mentioned that the bank a fraud claim had been made and they re-issued the card, of which I have never received. During the conversation with the customer service representative, it was mentioned that the e-mail address didn't match the one I provided upon calling about this problem that had been unresolved, which was now seven months old.
To date, I have received no status details about the fraud claim, but did receive a letter dated XX/XX/XXXX that there was a DATA breach. The letter stated that " XXXX became aware of online accounts being accessed by unauthorized users between XX/XX/XXXX and XX/XX/XXXX ''. This was a generic letter sent to all online account holders and was not specific to my particulars.
My particular fraud problem revolves around a credit balance transfer of approx. {$5000.00} plus dollars between an XXXX XXXX XXXX and HSBC Bank XXXX XXXX, per HSBC. When reviewing one of the HSBC Bank statements dated XXXX XXXX-XXXX XXXX sent by paper mail, the balance was {$5500.00}, that I opened in late XX/XX/XXXX due to my extended overseas work assignment.
In response, I called the HSBC bank, both customer service and the fraud service department. The HSBC representative apprised me that my original fraud claim found me liable for the transferred amount. I stated that I did not make a transfer. At this time, they informed me that there was a transfer from an XXXX XXXX Card to the XXXX credit card. I did not recall this event, so I called XXXX XXXX to investigate the situation.
The XXXX XXXX representative, who was very helpful, tracked all my history with that company. He stated I had held one XXXX XXXX cards at two separate time periods ; one card which was never activated and the other card was closed in XXXX ). I called XXXX XXXX to see if my previous cancelled cards were used in this manner. This indicated that both the cards where inactivated before the time of the transfer in XX/XX/XXXX.
He told me to call HSBC and request the 16 digit card XXXX XXXX from which the transfer was made and to call back XXXX XXXX to re-verify the origin of the transfer.
So I called HSBC, and requested the information. They refused to provide the XXXX XXXX account number and the new re-issued HSBC card number. This new re-issued card was never received in the mail. I have carefully sorted and reviewed all the paper mail upon my return in XXXX /XXXX of XXXX.
The HSBC bank stated I had previously made a fraud claim and that is why they re- issued a new card. The fraud representative repeated asked me details about the amount transferred, which of course, I did not know since I stated I was not aware of the activity in the first place. At the time, I was only looking a the most recent statement dated XX/XX/XXXX. I knew fees and other fines must have been added but I didn't know how to back calculate the sums in quick order upon interrogation. No details would be released, not the 16 digit number of the XXXX XXXX Card or my new HSBC card that they re-issued. They stated that the only way I can get further details regarding the the issue was not go to a only single branch in Texas, over 150 miles away, adjoining state or country and show a proof of identity before any information would be released.
I need to know the next step in documentation, so I can resolve this issue as my credit score is being poorly effected.
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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I have been trying to open a checking account with HSBC for a number of weeks now. Each time I do so, the account opening is declined. They state it is due to wrong information from the Credit Bureaus and that I need to resolve with them.
I have attempted to open the account with HSBC 5 times, the last application ID is XXXX.
Complaint 1 : HSBC originally told me that I had to contact XXXX, XXXX and XXXX, and they didn't use XXXX, even after me querying this. After the 5th application, I was told I also had to reach out to XXXX. Inconsistent information given by the customer service agents about which Credit Bureaus they use and which ones to speak to.
Complaint 2 : HSBC 's terms and conditions allow them to enter and exit a relationship with their customer at any time. I asked the latest customer service agent on XX/XX/19 to point me to this online and he couldn't. He just read it to me. I believe he used this as the reason to not provide any more information on the exact nature of what was wrong and gave me an address to write to. I do not believe it is acceptable that a bank does not give an immediate way to understand the personal data that they are collecting about me, either through my application or through 3rd parties.
Complaint 3 : I have been attempting to resolve any discrepancy with my personal information with the Credit Bureaus. I have been having significant problems with XXXX, particularly with different information given by different agents.
Examples with XXXX : -I was told that I had to resolve the following notice on my credit report : " The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration . '' I went to my local SSA office and they told me that the date was fine. When I phoned XXXX again, they said that message is on every person 's report if they received a SSN after a given date. Hence, I wasted 3 hours in the SSA office based on wrong information.
-I raised a dispute on XX/XX/XXXX to remove an address that was wrong, which was resolved successfully. However, on XX/XX/XXXX, I called XXXX again and I was told that the same address I removed was still visible on their report. I called the dispute team on XX/XX/XXXX to be told that it wasn't there and the representative must have made a mistake, which is difficult to believe considering it was the exact same address I had removed previously. Additionally, on the same call, I was querying why the XXXX credit report that I had generated via the " 3 Credit Bureau Report '' product on XXXX showed my date of birth from XXXX wrongly. I also wanted to query why the XXXX credit report that I had generated from XXXX had the wrong address. The XXXX agent went on to lecture me with some very poor analogy that they don't have any control over what 3rd parties present for my data, even though they claim it comes from XXXX. He said that he could prove what data they hold by sending me a copy of my credit report. While I acknowledged that what appears to be on my credit report may be correct, it was technically possible that the data pulled electronically via 3rd parties may be from a data source. I told the agent that the 3rd parties stated that they didn't own the data, that XXXX does, and they have no way to change it and all disputes had to be raised with XXXX. The agent proceeds to lecture me with the analogy, the time he has given up for me - 25mins vs 6mins that a customer should receive - and that there was nothing for him to do. I think this approach shocking. No one is able to take ownership of the data quality issues, and I shouldn't be lectured about the time of a call, especially when I am stuck trying to resolve an issue that hasn't been addressed. He also alluded that XXXX could be a scam.
|
| 01/13/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Problems caused by my funds being low
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Web |
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I am a current HSBC client. I was recently was charged an overdraft on an overdraft account that was opened without my full knowledge and consent. They reported it to my credit report and lost 70 points from it. Here are the details : 1. I opened an HSBC bank account on XX/XX/2016. It was a very basic account where I have to pay 3 dollars every month for it.
2. The lady who opened the account for me told me to apply for a credit card because it had no international fees as I was travelling abroad. I told her that I am not sure I needed it because I already have XXXX. However she pressed and I agreed to apply. She brought me papers to sign for the credit card.
3. I received in about a week or two that my credit was not approved.
4. I then went into the branch and told her that I did not get approved. She said that it is okay that I can apply at another time. This was all in the months of XXXX.
5. XXXX in XXXX warned me about my credit score being low so I then went to check it with XXXX and XXXX.
6. XXXX and XXXX showed that I had a line of credit opened to my name. I did not recognize the transaction which I then filed a Fraud claim as I thought someone was using my identity.
7. I called HSBC to their fraud department and explained the situation. A man from the fraud department told me that I did open the account at that I owe XXXX dollars. I did n't know what he was talking about so he dispatched me to the HSBC branch in XXXX NY.
8. The HSBC branch in XXXX told me that I did sign for a credit line and for a credit card and that I made payments to the credit line on the phone XXXX for XXXX dollars. I had never received a call or a warning over this unauthorized payment nor had I seen a warning about it. The lady also said that the payment was made by phone which I never had a phone call. I requested to hear the phone payment conversation as they record everything. She said that she can not provide that and then I request for the credit line to be closed and she said that they will close the credit line.
9. After several attempts and being transferred to many departments for a month I tried to write them a letter but they refused to provide any email or any one person that can deal with my call. I spoke to one of their representatives in the online HSBC and they informed me there was already an investigation by a special department on it. I had not yet placed an investigation which I clarified and then questioned how will they investigate if they do not have the details.
10. On XX/XX/XXXX after 2 hours of waiting a person informed me that the initial payment for the overdraft was done automatically by the collection department and that there is nothing I can do for that. Apparently it is in the terms and condition which I was never aware of as I mislead and did not give my full consent. She told me that it went overdraft when I bought a plane ticket which then told them that it should 've been declined and I could 've paid with something else. She told me that she will dispatch to the collection department as they handle my case and that there is n't any more investigation. The payment was done, they can not refund it and that I just have to pay XXXX. She also told me that they can close my credit line which it is still opened.
This case involves not only misleading information by one of HSBC 's employees and presenting papers that were for a credit card along with overdraft papers which was label 'line of credit ' and not fully explaining them. Unauthorized payments and not making the customer aware of the charges and just reporting to the credit. I was unemployed for a whole year due to my XXXX. I had just graduated from college and still have a lot of debt to pay. What they are doing is illegal and violates my consumer rights.
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| 11/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
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Web |
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( 1 ) THE FRAUD EVENT On XX/XX/2023, I withdrew cash from an HSBC ATM in XXXX XXXX, using my XXXX XXXX XXXXXXXX XXXX XXXX XXXX debit card. I requested XXXXXXXX XXXX withdrawal, and at the final step on the ATM screen I was presented with a choice to ACCEPT or DECLINE the transaction. I was surprised to see that I would be charged XXXX pesos in surcharges in order to withdraw XXXX XXXX (! ), so given the option to ACCEPT or DECLINE, I pressed DECLINE. Nevertheless, the ATM machine dispensed XXXX XXXX ( XXXX XXXX notes ) and gave me a receipt showing the XXXX in surcharges ( total, XXXX pesos, image attached below ).
In USD terms, I got about XXXX USD in local currency from that ATM, and my XXXX account was charged XXXX USD! A Scam!!!
It is noteworthy that an on-line search ( which I did after becoming a victim ) reveals that others have experienced this same fraud at HSBC ATMs XXXX XXXX.
( XXXX ) ACTIONS TAKEN On Monday, XX/XX/XXXX, I went to an HSBC branch to complain about this problem and implore them to check their surveillance footage. I got nowhere ; they said I must take up the issue with my bank.
I therefore called XXXX on that same day and spoke with the fraud office. After many phone calls, I was told that the problem would be investigated and that I would meanwhile be issued credit for the amount lost in the scam. I felt reassured. And on XX/XX/XXXX, I saw that the amount of {$460.00} was credited to my account. I had no further communications with XXXX and saw no further messages in my XXXX phone app or on my phone or email account. I continued my travels in XXXX. ( Cash withdrawals at other bank ATMs were unremarkable, involving " normal '' expected surcharges. ) In late XXXX, I noticed in my phone app that the credit of {$460.00} was reversed ( taken back ) by XXXX on XX/XX/XXXX. I found, via my app, that the claim had been closed ; XXXX 's response letter attached an ATM transaction log from XXXX XXXX XXXX. The transaction log proved what I was saying -- that XXXX XXXX were dispensed to me, and that XXXX + XXXX XXXX in tax and surcharges + XXXX XXXX in banknote delivered = XXXX XXXX ( {$520.00} USD ) was charged to my account. XXXXXXXX XXXX case review consisted entirely of punting the issue to XXXX XXXX XXXX, and the reviewer at XXXX XXXX XXXX ( the person who made some annotations on the log ) did not even comment on the extreme surchages shown in the log. In fact, the reviewer seemed to claim ( despite the evidence in the log ) that I received the entire amount in XXXX banknotes. The log and the reviewer comments did not prove that I did not press DECLINE when presented with this extreme surcharge. But I really feel that I would be in the right in calling this a scam even if I had pressed " accept '' at the final step of the ATM transaction. ( But again, I didn't ; I pressed DECLINE. ) IN SUMMARY : - Did this monstrous and ridiculous ATM surcharge fraud occur, at my expense? YES, IT DID OCCUR. I told XXXX that on XX/XX/XXXX, and they did not need XXXX XXXX XXXX to tell them that again.
- Did I explicitly approve this fraudulent transaction? NO, I DID NOT, and the investigation does not show anything to the contrary.
- Would such a monstrous surcharge be legitimate in any scenario ( approved or declined )? NO, IT WOULD NOT.
- Did XXXX XXXX XXXX, acting as XXXX consultant, add value to the investigation? No, the ATM log confirmed that only XXXX XXXX was dispensed, and their annotations written on the log -- suggesting that XXXX XXXX in various banknotes were dispensed -- were fabricated and not derived from the log itself.
- Did XXXX do any investigation of its own with regard to HSBC, the bank responsible? APPARENTLY NOT. They might have asked for their surveillance camera footage, as I did without success.
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| 07/20/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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In XXXX XXXX, after numerous customer service issues with HSBC, I visited the branch and told them I wanted to close all my [ and my son 's ] bank accounts. I did not surrender my safe deposit box at that time because it was paid through XXXX XXXX. It took months and much aggravation for HSBC to actually close our accounts. Then when pursuing a refinance in the fall of XXXX, it was discovered that HSBC never filed a satisfaction of mortgage for a HELOC that they admitted was paid off in XXXX. After hours and hours on the phone, email and at the branch, the only way I got the satisfaction of mortgage was filing a complaint with the CFPB. Only then did HSBC respond. I am now compelled to file another complaint.
During this time, I was XXXX, with obvious XXXX limitations and severe pain. I was scheduled for XXXX on Monday XXXX XXXX, XXXX. On Saturday XXXX XXXX, XXXX, I went to the HSBC branch located on XXXX XXXX, XXXX NY XXXX to review the contents of my safe deposit box and remove whatever documentation my sons might need in the event something went wrong with my surgery. I was directed to XXXX of the tellers [ a woman ]. After looking up my account, she advised me that I was not allowed to have that box with HSBC because I had closed my bank accounts. She advised me that I had XXXX choices : open up a bank account or surrender the box. I told her that I did not want to open an HSBC bank account. She then told me that I had to surrender the box that day because if I did not, HSBC could break into my box to empty it at any time. So, I emptied my safe deposit box and surrendered the keys to the teller.I complied with every direction she gave me. I then had to go to the XXXX branch across the street to see if they had a safe deposit box. Fortunately, they had XXXX available. On XXXX XXXX, I received an HSBC bill deceptively backdated to XXXX XXXX, XXXX, demanding payment for rental for XXXX XXXX XXXX XXXX for the safe deposit box which I no longer had! At my first opportunity I called the HSBC XXXX branch on XXXX XXXX about the erroneous bill. I was told that " for some reason '' the box was still open on the system but they would " look into it '' and call me back.The HSBC rep did NOT deny that the box was surrendered. I did n't receive a call back. Instead, I got another notice more than a month later billing me again and calling it " past due. '' This time I called the central customer service number. In a call on XXXX XXXX, XXXX, customer service advised me that the notes showed that the box had been closed by me as I had stated but that it was remaining open on the system because the XXXX branch employee forgot to have me sign a cancellation agreement on XXXX XXXX, XXXX. He told me to fix this I just had to go back to the XXXX branch and sign that form. Today I went to the branch to sign the form and I was told that I could not sign the form. Instead, for the first time, they falsely claimed to have " no records '' of the box being surrendered and that they did n't have the keys! I asked them to investigate, that I would get them the exact date of the surrender so that they could identify the employee who handled the surrender. They had no explanation for why customer service advised me that the box was surrendered and only the form needed to be signed. I called the XXXX branch back to give the exact date of surrender to branch Manager XXXX XXXX. XXXX XXXX did not answer my questions about any investigation she conducted and refused to take any responsibility whatsoever. Instead, she told me that the only thing I could do was to take more hours of my work day to come back to the branch when they break open the box. I told her I can not do that because I need to work. She was completely rude, nasty, dismissive, laughed at me and hung up.
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| 11/27/2016 |
Yes |
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Web |
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This is a small matter, and it happened last year, but I have found it to be greatly aggravating. Related thereto : How would you like to delve into the world of credit card " bonus points '' and related cash-back offers?
The situation is as follows : In XXXX of 2015 I opened a new account at an HSBC bank branch on XXXX XXXX XXXX in XXXX. Because my initial deposit was rather large, I became a new " premier '' customer. As such, HSBC gave me a new credit card and said that I 'd get " XXXX points '' that I could turn into a {$250.00} cash-back ( or {$400.00} in airline tickets ) if I spent more than {$2500.00} in the first three months. I spent the required amount, but HSBC refused to give me the bonus points ( and therefore I did n't get the cash or airline tickets ). I spent my {$2500.00} during the three months after I had received the card in the mail, but HSBC said that I needed to have spent the {$2500.00} during the three months that began immediately upon the day I had signed up for the card at the HSBC branch. [ It took more than ten days for the card to arrive to me in the mail. * How did HSBC expect me to start spending when I had n't received the card yet? ] In order to understand this, I initially called the phone number on the back of the credit card. After some discussion, I was told that they would not award me those bonus points. I then went into the bank branch in order to question this decision. The branch manager was sympathetic, but after he spoke to HSBC 's credit card back office he told me that they refused to budge on this matter.
As a result of this -- which I consider to be a betrayal by HSBC -- I took all of my money out of my HSBC bank accounts and I cancelled the credit card. And I 've promised myself to never have another banking relationship with HSBC again. But those things are immaterial to the fact that I still think that I was entitled to the {$250.00} cash-back.
HSBC had made a big deal when I started that I had a " premier relationship '' and a dedicated Premier Relationship Manager at the branch. That person has changed since I opened my accounts there, and the new Relationship Manager kicked the ball to the branch manager who -- as I said -- was unable to intervene in this simple dispute and get it resolved in my favor. [ Parenthetically, it has become clear to me that the " premier relationship '' at HSBC is worthless. ] And even without a premier relationship, I would have expected that " reason '' would apply to this situation. You ca n't spend money with the card if you have n't received it yet. Three months should begin when you receive the card ( I 'm pretty sure that such deals, when offered by other credit card companies, work that way ).
People at the CFPB, if you wish to follow up with me on this, my contact information is shown elsewhere in this complaint. And thank you for your time in reading this note.
Sincerely, XXXX ( " XXXX '' ) XXXX Phone : XXXX ____________ * I have handwritten notes in my files that indicate that I " initialized '' the card on XXXX/XXXX/15. That 's the date I called HSBC to indicate that I had successfully received the card ; and ( to my way of thinking ) that should have been the date upon which the three months began. My notes also indicate that I changed the PIN on the card on XXXX/XXXX/15. [ I can only imagine that HSBC has electronic records of both of these events, and the dates they occurred. ] I subsequently spent {$2500.00} ( with the last bit of spending -- that put me over the {$2500.00} line -- having been done on XXXX/XXXX/15 ). Again I say that conventional wisdom would dictate that such a " bonus points '' deal applies to the first three months that you have the card ( but it seems that conventional wisdom does n't exist at HSBC ).
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| 07/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I purchased a XXXX XXXX XXXX convertible vehicle that I originally leased in the state of Ohio in XX/XX/XXXX. The original fiance company was : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, CA XXXX. The purchase price was {$8300.00} and the loan maturity date was : XX/XX/XXXX.
I was mailing my payments at the end of the loan to Illinois and I believe that XXXX was purchased by HSBC?
I received my title once the vehicle was paid off and put it in my lock box for safe keeping.
Fast forward to XX/XX/XXXX. I sold the vehicle this week to someone and signed over the title. When this individual attempted to register the title and get plates he was told that the vehicle had a lien on it. He immediately called me. Here is the documentation and steps that took since yesterday to resolve the issue : Lien Issue : Immediately called XXXX Lease Trust who owned the vehicle and they are sending a lien release.
( Approx. XXXX ) State of Ohio XXXX title division- XXXX- pulled up my title and said that they shouldve been a signature from XXXX for a lien release and that I must contact XXXX XXXX to get it.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX- called number online. It is now XXXX XXXX. You must know an individual extension number to reach someone. Dialing XXXX does not work.
Called the FDIC : they do not cover XXXX as it is a finance company and they are not monitored by the FDIC. Was told to contact one of three agencies : CA Secretary of State, CA department of motor vehicles, or the Federal Trade Commission. Gave me phone numbers to all three.
Called the CA Secretary of State re : XXXX XXXX XXXX XXXX CA : XXXX. Talked to a call center representative ( did not get her name as I was too upset at this point ). She told me that I have to call the Department of Motor Vehicles ( CA ) and speak to the field office. Gave me the phone number. She said that the Secretary of State does not monitor business closings and where information is transferred.
Called : Department of Motor Vehicles- CA : XXXX ( XXXX XXXX est ) and received a recording that there were a high number of calls- was disconnected automatically. Called again. ( XXXX XXXX est ) was on hold for 1 hour and 10 minutes before I spoke to someone in the field office they were unable to assist after attempting to pull up my VIN number as they purge every 4 years- Asked where the information is purged to and she said the ether and that it is gone for good- no information.
XX/XX/XXXX XXXX XXXX- Called XXXX at Ohio XXXX title- said the only two options was to try to track down the lien sale or to do a court order title. She said to continue using XXXX to try to track down company that purchased titles from XXXX and ask for the Title Administration office.
Called XXXX ( XXXX XXXX ) and was told that they only go back 6 years for information and since payments were from XX/XX/XXXX that information is gone. No one is able to retrieve it. Asked about going into the bank to get information and she said they have the same info and would not be able to pull vendor information.
Federal Trade Commission : XXXX XXXX am XXXX, unable to help but transferred me to..
( XXXX XXXX ) - Consumer Protection Bureau : XXXX Talked to XXXX.
File a complaint against XXXX XXXX XXXX XXXX ( consumerfinance.gov ) - upload the forms to the complaint They work to get a response to the company. It can take up to 15 days. Final response within 60 days.
Case number : keep it handy if you need to call in and get an update.
Filing a complaint should include : Most current company that held my title.
I can also file with the Better Business Bureau I am seeking to find out who owns my title and the current company responsible for my title. I would also like to have my Lien release mailed out to me immediately.
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| 08/07/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX, at XXXX XXXX., I received a phone call from a gentleman calling from XXXX. The gentleman on the other end of the phone ( who did not identify himself or where he was calling from ) informed that he had sent a certified letter to my home which had just been returned to his office and he had a XXXX XXXX from their legal department on hold to speak to me. At this point, I was quite suspicious as I have recently been laid off my job and am at home 90 % of the time and at no time did the postal worker attempt to deliver a certified letter or leave a notice that one had tried to be delivered.
Once on the phone with Ms. XXXX, I was inundated with threatening and untruthful and deceptive statements from this woman. She informed me that there was legal action pending against me if I did not clear this debt with her right away or sign a promissory note that I would pay this supposed debt by the end of XXXX and I had to make a decision on how to pay right that minute. She informed me that the debt was approximately {$1300.00} and that they would settle out of court for {$580.00}, then retracted that and said that the courts had rejected that settlement and that it would be {$690.00} plus some change.
I asked her about the debt, as I had just paid off all my debt when I was laid off and couldnt think of anything that I had forgotten about, she then upped her tone and told me that the debt was from HSBC Bank from XX/XX/XXXX and that the last payment on the account was in XXXX. I politely asked that she call me back in a week so I could research this issue on my own as so much time had passed, and I did not remember any debt from that time period that had not been taken care of. I also asked for information of this debt in writing to be sent to my home address as this was first time I was hearing about this. Ms. XXXX immediately escalated her threats, stating that her company had already investigated the debt, including an asset investigation and fraud investigation, among other investigations and that I had NO recourse but pay the debt immediately or they would take legal action against me and put a lien on my car and its registration, effectively blocking all future registration on my car until this supposed debt was satisfied.
Finally, I asked her what company she was with as it became apparent she was not with HSBC Bank and she informed me she was with XXXX XXXX. I told her that our conversation was over as I needed to research this issue further. Ms. XXXX then informed me that I had until noon on XX/XX/XXXX, to make a decision on how I was going to pay or the legal action would proceed forward. She gave me her number as XXXX in case I had any further questions.
As soon as I was off the phone, I began to research this company and found several similar complaints against this company and their aggressive and deceptive collection practices. In many of the complaints there said that there was a resolution in the matter and that the employee was fired as she was not in compliance with the companys policies. WHAT??? How can you have a multitude of complaints extremely similar threats over a course of many years and not have this be your companys business practice??? I believe this companys actions are in violation of not only the Fair Debt Collection Practices Act, but also the Texas Debt Collection Act and the Texas Deceptive Trade Practices/Consumer Protection Act, not to mention if this is a true debt, it is well beyond the Texas Statute of Limitations of 4 years.
If this is/was a legitimate debt, I would have no problem making arrangements for repayment, but after more than 8 years I seriously question the validity of debt PERIOD and feel this is a scam or some other form of fraudulent practice to extort monies.
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| 02/27/2016 |
Yes |
- Money transfers
- International money transfer
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- Money was not available when promised
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Web |
Older American |
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As a XXXX retiree form a XXXX D.C.-based international organization, I live about six months of the year in XXXX. I have an HSBC XXXX Account i the XXXX and XXXX in XXXX and I use a service called XXXX to transfer funds from the XXXX to XXXX through Internet banking while I am in XXXX. I pay {$50.00} a month for this privilege. HSBC links my XXXX accounts and the transfers are supposed to be immediate.
After having done this without problem for 5 years ( the funds would exit my XXXX account and be credited immediately to my XXXX account ), on XXXX XXXX, 2016 I tried to transfer {$1900.00} and the funds never got to XXXX. It took at east 20 calls to the HSBC XXXX call center and the XXXX call center. I spoke to at least XXXX call center employees in the XXXX call center ( probably in the XXXX ) and XXXX employees in XXXX. I spent a total of at least 30 hours on the phone trying to find out why my money got lost XXXX I explained that I needed the money MOST URGENTLY to cover expenses in XXXX as a retiree. Nothing swayed the call center staff into action.
Finally, after much begging, my problem was " escalated '' to a " technical team '' and I was told I would get an answer in 48 hours ( which turned out to be 48 WORKING hours, or 6 days ). The reply I got from the XXXX HSBC XXXX team was, quote : " We have no access to the XXXX systems, and therefore we are unable to ascertain whether there was a transfer ''. The call center employee who read me that incredible reply over the phone suggested sending an e-mail to the XXXX XXXX XXXX in XXXX XXXX, if I wished to pursue the matter further.
I called the XXXX call center once again ( it was around XXXX XXXX by then ) and they discussed the matter with XXXX. They were able to determine that the money had gone into a so-called " Transfer Suspense Account '' due to a technical glitch on their side.
By then I was REALLY short of money in XXXX so I had to return to the XXXX to access funds. Once XXXX, I continued to pursue my case and finally, XXXX of the countless XXXX call center employees who I had discussed it with called me back and promised I would get my {$1900.00} back in my XXXX account. Incidentally, every time you call the HSBC XXXX center you have to answer a long list of security questions to make sure you are the account holder. However, the customer service people are not allowed to provide any information on themselves. Thus, if " XXXX '', ( probably not his real name ) makes a promise like this XXXX, and the next time you call " XXXX '' is not there, no one is held accountable for his promise. In fact, they have no idea what you are talking about!
To make a long story short, I finally got the funds on Thursday, XXXX XXXX, in XXXX XXXX in my XXXX account. Of course, there was no interest added and of course the exchange rate mas most unfavorable. Oh, and by the way, I wo n't be able to use the money until I return to XXXX.
So let me state my complaint in the form of a series of questions : Why does HSBC, a banking institution with operations all over the world, offer a XXXX service that it is not able to deliver?
Why does HSBC offer a " XXXX '' service to its best clients and then does nothing to satisfy their needs, even if they are pressing as in my case?
I heard that HSBC had to pay a hefty fine for laundering funds for XXXX recently. Could it be that their XXXX XXXX XXXX in XXXX is too busy doing that type of transaction to care about a meager {$1900.00} transferred by a lowly XXXX expatriate who needs the money to live on?
I am aware that precisely due to money laundering concerns, moving funds internationally has become much more difficult and expensive in recent years. But remittances for legitimate purposes should not be made to pay the price..
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| 02/14/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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I have had my original company HFC promise a drop in my interest rate after 6 months of paying on time, this was the beginning of the loan which was to also include the taxes with the payment. When we originally did this loan it was all done by phone. No eye to eye until signing of paperwork. After arguing at closing in HFC office we were told to sign an ammendment sheet that was blank in front of the company rep. They would ammend the contract because we were refusing to go through with the papers that day. Signed a sheet with a few lines only for a signature on them and the date. Nothing was ever done with these papers because within 3 weeks of signing all the paperwork all the HFC offices closed and we were never told at paperwork time that they were that bad off to be closing all offices. They did cut checks that took forever to get where they were going too, this was a HELOC Loan and I only now had a phone number to call. Well years have passed and we are now behind because of my illness and my husband still works and we wanted something like a modification to help. Told that all modifications are only temporary and not willing to work with us. I have supplied through faxes alol the info they have asked for. I wonder where all that info of mine is because they are constantly changing people and company names and the left hand has no idea what the right is doing. EVER. I am now in foreclosure with them but have been aprehensive to talk to them from all the past renaging on previous deals. They have refused to start accepting payments from me from last year in XX/XX/XXXX because back amounts were n't payed. I asked them if is n't it better I pay something that is better than nothing? The girl told me because I took help from HUD and their MAP program that helped me catch up, there was nothing I could do. So all the paperwork I supplied them, paystubs, tax returns are where I asked? Someone must have them. no one can tell me that. I have had nothing but empty promises from them and will not move forward till I have an attorney deal with them. But all the complaints listed on this website sound like mine. What can we do as a group to sue these people or make them work with us? Is this legal for them to be able to steal homes? Please help because My time is running out. I am able to pay but told the last specialist that the other customer service people are quite mouthy and she told me thats too bad. I said I was going to record their responses and they immediately hung up. Now an attorney told me just to record them anyway. I guess I will have to do this. President Obama has helped people with other housing issues but HFC goes unchecked. Please I need some help here. How about people that are in actual need get some help? These seem to be all the same stories about this company. Now its HSBC who argues about my terms of my loan at every chance. I do not want to supply them with original copies like the housing XXXX wants me to because if my loan has been passed around should n't they have the original somewhere? And these are all high rate loans. 7 3/4 %. Bad .... I believe HSBC is the XXXX servicer of this loan but they have used this against me. Was HFC originally. Then Beneficial Finance. Then it was sold for a very short time to XXXX. I have the letter that says they are the new company and we had a new loan number. Then come to find out 2 months later it was HSBC who is guessing at my rate and if it 's fixed or adjustable. The last conversation with them was a lady telling me that my loan was adjustable and at 9 %. Which neither is correct. I told them to get their info right but they filed foreclosure papers against me. I have a mediation to go to to try to negotiate which I heard they do not do.
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| 03/07/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
Servicemember |
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# XXXX-I recently discovered I have continuously been a victim of identify theft throughout more than three quarters of my twenty year marriage, my wife who was in charge of all joint banking, was able unknown to myself acquire numerous credit card accounts without my permission, based on false information provided on her behalf to obtain the credit cards, that I only became aware of when it was suggested I obtain a current credit report. My score had remained consistent at XXXX as I had never fluctuated below a rating of excellent credit during my entire prior credit history established over the period of my life- I am XXXX years old establish a time line to base my complaint on, my credit now ranges approximately at a XXXX rating. A difference of over XXXX points upon first closing numerous accounts that appeared on my XXXX PAGE CREDIT REPORT obtained within days immediately following the Sheriffs Department Removing my now estranged spouse issuing an order of protection and a stay away order that were decided by the judge based on her unexplained XXXX inflicted upon myself and more so our youngest son who is now age XXXX, legally XXXX due to severity of XXXX unable to live alone, I am responsible for his well being and providing for him as I always have. I have full custody, his mother never so much has attempted to contact him or any of our other XXXX children, that I still provide for in addition to situations that have arised requiring financial assistance. Prior our marriage, she had XXXX prior marriages, entering the marriage with XXXX child from each husband, as well as having our only biological child I adopted XXXX of the children and provided no differently for the other XXXX, who no child support was in existence pertaining to their well being. XXXX of the XXXX kids reside with me as well as i assist my step daughter with caring for my granddaughter 5 times weekly at the family residence.
The importance of obtaining assistance from the Bureau of Consumer Financial Protection-assistance I was not aware of until recently as I constantly received lack of responses from numerous banking and credit card providers of the situations I have inquired information on after filing complaints based on information my credit report holds, I am a additional card holder on accounts I did not have knowledge of that were only approved to my spouse based on my credit and I stress without my permission. I have great concern as well as what appears to be present on numerous accounts that they were reported FRAUDULENT by the owner which appears was my estranged wife ( we have been involved in supreme court divorce proceedings since the time earlier noted till presently equaling a total of of 16 months ) court proceedings have exhausted what monies I had been left with, which were significantly less than what should have been. I worked 17 years as a XXXX forced to retire due to XXXX needed, I grossed over {$100000.00}. annually. Additionally my credit report contains proof of refinancing and or equity loans against our family residence, that I never knew of, gave permission of, or needed. To say the least the wrong doing on behalf of my own wife, whom I trusted allowed more identity theft and damage resulting in tremendous repercussions of attempting to correct matters has literally allowed more damage than a stranger stealing your identity, my credit score damage is a direct result. I am a XXXX veteran injured during XXXX XXXX my XXXX XXXX + having to post pone the 18-20hr XXXX needed, XXXX, as well as increasing daily risk XXXX. I fear losing my house next which is essential to myself and my family. She needs to be held responsible for illegal actions.As a XXXX I am a man of Honor not disgrace.
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| 02/11/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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I thought that I had an online banking account in XXXX XXXX but unfortunately, bad people used the name of HSBC and all money was stolen.On XX/XX/2017, a called from HSBC XXXX confirmed that I am a victim of a blow. Sorry, I can not spell her name, it is a greek name, but it is the phone number:XXXX. She explained me that HSBC does not work with this kind of account number even that, it is an online banking account. This website and Account number do not belong to the true HSBC bank, and XXXX XXXX XXXX is not a Manager employee in HSBC XXXX as she told me. XXXX Account number XXXX In XXXX, we have a limit in sending money abroad, for this reason, to send all fees required, it was sent in my name, my sister and mother name and XXXX friends too. The total is XXXX dollars. For that, we asked loans from banks and financials. I have all receipts.
XXXX XXXX XXXX sent me her ID, the address of the HSBC branch : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I checked all resources available like XXXX and Social Media and all of them were ok.
The laid who called me told me that HSBC can not do something for me. It is not true. IF HSBC HAS ANSWERED MY EMAILS SINCE THE BEGIN, IT COULD BE AVOIDED. Since I started to feel that something was wrong, I started send emails to other employees from other branches in XXXX XXXX but NEVER, I am repeating NEVER no one answers me back. In the last weeks, HSBC XXXX XXXX answered me back due to the high number of people who I contacted by XXXX and XXXX.
Unfortunately, It took 6 months. Six months without answers and no consideration for me.I want to be clear that is not my intention in prejudice HSBC employees in XXXX or anywhere in this world. I read the newspaper and watch TV and the economic situation in the world is not so simple. However, this blow could be avoided if since the begin someone has given attention and answered my emails. Can you understand my deeply disappointed with HSBC XXXX? I had an online account but I have never accessed it. XXXX XXXX XXXX and XXXX XXXX XXXX, my supposed managers, always asked for fees and more fees and she always said that after paying that, it would be the last fee and it never happened. The Last fee was XXXX XXXX, I did not pay it. What let me deeply down and disappointed with HSBC XXXX is this total disregard to me. This blow could be avoided but it wasnt due to total negligence from employees of XXXX XXXX have never got answers back and due to it, I am a victim of blow using the name of HSBC. I would like to avoid to expose HSBC in XXXX XXXX or something else. After such scandal, How many people would not do business with HSBC? How many customers would close their account and investments would be transferred to another bank due to such disregard to me? Believe me, for others banks, such scandal is a gift but just HSBC can avoid it I do not want prejudice someone but I will not just forget XXXX dollars which were sent to pay fees and charges to HSBC, plus others expenses. I am repeating again, All of it could be avoided if since the begin my emails were answered but it didnt happen and now the consequences. I am trying to settle it in a friendly way but it will depend now on HSBC. I will not give up about this money and I believe that HSBC will be reasonable enough to send me an extra compensation for this last six months without answers back ( soon XX/XX/XXXX it will be a year ) .Even now, I have asked them to answer me back, no one has answered me yet. I can send you all emails that I have been imploring for attention and solution. As I said to you before, I do not want to prejudice HSBC image and or business. I just want what belongs to me. HSBC XXXX XXXX was negligent. They can not treat people like that.
|
| 06/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Beneficial continues to deny the assistance requested with our account and to compensate us for our time and the lack of customer service and the ongoing damage it has done to us. The following are the issues that have not been resolved : On XX/XX/XXXX Beneficial/HSBC erroneously sold our home mortgage to the XXXX XXXX XXXX Master Participation Trust by labeling our account as in default, and/or a distressed loan in trouble. Not only were we not behind in payments we were ahead. As soon as XXXX began servicing our loan we contacted them to let them know that false information had been provided on our account by Beneficial. When XXXX informed us in XXXX that we were behind in payments we called the customer service number and let them know this was not true and we lodged a complaint. They indicated at that time that Beneficial 's records were a mess and it would take time to sort things out. We had been trying to get Beneficial to correct their mistakes prior to them selling the loan to XXXX XXXX. They did not complete any work to address their mistakes.
Question 1 : Why was our mortgage sold as a loan in default to XXXX XXXX in XX/XX/XXXX?
Beneficial sent letters dated XX/XX/XXXX stating that we could lose our home because it was 30 days in default. They sent individual letters to both of us by regular mail and certified mail. They stated in these letters : " You can cure this default by making the payment of {$2200.00} dollars by XXXX/XXXX/XXXX. '' This is 15 days after they have sold the loan to XXXX. Clearly this is an bogus debt and an illegal collection.
Question 2 : Why did Beneficial demand a payment of {$2200.00} after they sold the loan to XXXX XXXX?
Question 3 : Where is this money applied to our account?
In a letter dated XXXX/XXXX/XXXX XXXX XXXX of HSBC included records of our account that show the XXXX/XXXX/XXXX payment was made on XXXX/XXXX/XXXX. In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XX/XX/XXXX reconciliation, and the XXXX XXXX records referenced above that were sent post " XX/XX/XXXX reconciliation audit. '' Question 4 : Why was the XXXX payment erroneously applied to the wrong date in our account?
Question 5 : Why were the reconciliations of our account ignored?
Question 6 : Why did you tell the NYS Attorney General and the Bankruptcy Court that our payments were up to date and then tell us we were in default?
At no time from XX/XX/XXXX to XX/XX/XXXX did anyone at Beneficial indicate that they had made an agreement with XXXX that XXXX would be responsible for all errors that Beneficial committed on our account. Finally in XX/XX/XXXX XXXX XXXX ( XXXX ) stated in a phone conversation that there was an agreement and that she would personally contact XXXX to make sure they held up their agreement.
Question 7 : Why did Beneficial conceal the agreement they had made with XXXX from XX/XX/XXXX to XX/XX/XXXX?
Question 8 : Please provide written documentation of the agreement made with XXXX XXXX and XXXX.
A document is attached containing our payment history of our account with Beneficial. We need clarification on the following : Deferred Interest dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Deferred Interest sweep : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Further information in attached.
|
| 10/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
In early XXXX, I opened a credit card at HSBC with zero interest for 18 months on balance transfers. On XX/XX/XXXX, I received an email from the fraud department about some charges on the credit card. I called the bank and stated I had not made those charges because I had not received the credit card yet. I was told the credit card had been activated and the last four digits of my social had to been used to activate the card. I asked how could someone without the rest of my information activate a card? I could not get a straight answer from the call center. In addition a random phone number and email address had been added to the account in order for them to receive the pin codes to use the card. On XX/XX/XXXX, I filled a police report and a detective was assigned to my case the following day. I then called HSBC again, and gave them the police report ID number, the detectives name and number. I was told HSBC had begun the investigation on the matter. The following week I was informed by the detective they had found the perpetrator and there was a warrant for his arrest. HSBC was informed immediately, however at this point the detective still had not received a call from the bank. I continued to call to find out the status of my claim but no one could give me answers. In XXXX, I received a letter from HSBC stating I had not made my payments and I would be sent to collections. I called them immediately wondering where my fraud case stood and letting them know that these charges were not mine. I was informed the letter was sent by mistake and I was transferred to customer service. I spoke to XXXX and shared with her my situation and asked if I was now able to transfer my balance onto the new card? She told me that my 60 day grace period had ended and I would be paying interest. I told her I felt this was their fault for lack of due diligence and if there was anything she could do? Otherwise, the card would be useless to me. She looked into it and told me she would have to speak to the " people in the background '' and she would give me a call back. A couple days later XXXX returned my call and said they would honor the initial deal and I could get my balance transfer for 18 months at with no interest. I then transferred the money onto the account. I believed my problem was solved at that point, it wasn't. I have had to call several times every month requesting the interest would be removed from my account. I get different answers every time, some say my grace period had ended therefore the interest can't be taken off. Others have promised to look into it and call me back, no one calls me back. The last three phone calls have been in the last three weeks. I have requested to speak to a supervisor since the call center has their hands tied. The last supervisor I spoke to XXXX said she would call be back it would probably early the following week, never heard back. I called back this past monday and spoke to a gentleman who told me " he would call me back by wednesday latest ''. He was going to find out why XXXX had not returned my call but he will call me back with answers. I told him I was over this issue and it needed to be resolved. I didn't understand how I needed to repeat my story every time I called, did they not have notes on my account and how is it XXXX was able to fix my issue back in XXXX but for the last six months I have had to contact them to fix an issue that was supposedly resolved. HSBC dropped the ball from the very beginning starting with allowing the person who stole my card add a phone number and an email to the account when the card was activated. Since then the poor customer service and lack of resolving my issue is incredibly frustrating and unnecessary.
|
| 01/23/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
TIMELINE - Events that Led to Current Delinquency ( HSBC Loan # XXXX ) COMPLAINT : HSBC Loan Modification should have gone through XX/XX/XXXX Events : After the passing of my wife on XXXX XXXX, XXXX ... besides the large emotional loss, I experienced the financial hardship in losing her income contribution to the household. She also handled all the bills. I was able to keep up with all the bills and timely mortgage payments until being laid off XX/XX/XXXX. That is when I realized that I needed assistance and I reached out to HSBC first, stating that they do not offer refinancing. Unsure where to go, he mentioned Get Hope to HSBC and got to the loss mitigation dept. who informed me that they do not accept partial payments, only full payments, but to look into applying for a possible loan modification. This resulted in my submitting all the required documents to HSBC by fax for a modification review, with the assistance of my daughter XXXX & her husband XXXX XXXX. After this, I left several voice mail messages to inquire as to the review process status/update.
I only had phone call conversations with HSBC reps and NO written documentation confirming the receipt of the package, indicating any review in process, nor any written confirmation of an offer. The only written correspondence received were Notices of Right to Cure Default and indications of who is my designated Mortgage Servicing Specialist. The one in XXXX was XXXX XXXX XXXX ( # XXXX ext. XXXX ) and the most recent specialist letter dated XXXX XXXX indicating XXXX XXXX ( # XXXX ext. XXXX ). I have had a couple of conversations with XXXX. The first conversation took place XX/XX/XXXX when I was able to speak with her. She told me that they did receive the package, reviewed it, and that I had been approved for a loan modification that would include the homeowners ' insurance and property taxes ( escrowed - since I did n't have them escrowed at the time ) and provided me with instructions by phone. She said that it would also reduce his interest rate and his payment to $ XXXX/mth.
FURTHER INDICATIONS of a LOAN MOD = but without any documentation being received by me XXXX/XXXX/XXXX = Submitted a request for loan modification To : HSBC Loan Mod Dept. Fax # XXXX Told by phone from an HSBC rep to make two consecutive payments of $ XXXX/month, arranged to be taken out automatically from my bank account on XXXX XXXX & XXXX XXXX ... These were done electronically. He was told that after those XXXX paid, he can pay on own.
The HSBC rep on the phone informed me that with these 2 payments, the modification would be finalized. No indication of any written agreements or mailings were given in this call. There were no instructions of their mailing any documents to me either.
The first payment cleared on XXXX XXXX. The second payment in XX/XX/XXXX took 2 attempts but cleared my bank account by XX/XX/XXXX the second time due to an overdraft. However, neither of these 2 payments showed up as applied on mortgage statement. There currently shows only XXXX {$560.00} payment on Mtg. Statements as a " Partial Payment ( Unapplied ) ''. I then made a XXXX payment = XX/XX/XXXX.
My last time making this agreed upon payment of {$560.00} was done XX/XX/XXXX but returned to me XX/XX/XXXX.
ENCLOSED : XXXX Bank transactions showing 3 withdrawal payments made to HSBC = {$560.00} dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX * Fax cover sent to HSBC Loan Mod on XXXX/XXXX/XXXX along with hardship letter, wife 's death certificate & XXXX XXXX budget. There were XXXX paystubs also included in that package * Copy of HSBC correspondence = XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX I ATTEST THAT THE ABOVE IS TRUE AND ACCURATE TO THE BEST OF MY ABILITY.
|
| 09/28/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Complaint Description : On XXXX I opened a savings account at the bank. On XXXX XXXX the bank notified me that they were closing my account. That I had nothing to do and that they would send ma a cashier 's check for the full amount of the account balance including principal and interest. I did not receive my refund check I therefore contacted the bank. I spoke to the branch manager, XXXX XXXX, and he told me that there were no funds in the account to refund me a check. I tried to sit with him and get a clear and distinct reason he held that position and he refused to explain to me any additional information or sensible explanation. He would not help me and referred me to speak to someone in the executive offices. I did just that and spoke to XXXX XXXX and she told me the check I deposited in XXXX was no good. I tried to explain to her that was impossible. The check was drawn from my brokerage account from XXXX XXXX, a large brokerage house. I also have a copy of the cashed check from XXXX XXXX showing that HSBC bank cashed the check. I also have my bank statements showing the money in my account. Her story was impossible for the check to be bad. Impossible for the money not to be available on the closing of my account. Mrs. XXXX told me there is nothing she can do. I would have to contact the headquarters in XXXX, new York. I asked for an e mail or phone number and she explained to me that the bank does not take e mails or phone calls. I can only correspond the old fashion way by mail. Subsequently, after this complaint I am writing to XXXX. This is a case of theft of my monies by the bank, and a clear case of discrimination against me for their failure to offer assistance in the resolution of this matter. The facts are clear if someone in the bank took the effort and time to research this event. The money was deposited and never touched by me. I received interest. The bank statement shows the money in the account. The cancelled check shows that HSBC cashed the check. This is egregious behavior by the bank to commit theft of my money. They are leaving me no other alternative but to file a small claims case against them. I have written to Federal Reserve and the XXXX XXXX XXXX for help and assistance to get my monies so I do not have to file a motion against the bank. Thank You.
Preferred Complaint Resolution : To return to me my money.
My new complaint : Their final decision sent me XXXX is unacceptable and completely wrong. I reiterate again they claim a check was cashed on XX/XX/XXXX when in fact that was the day the check was written. It was not even mailed to me on that date. I sent to you the HSBC bank statements showing that they deposited the check on XX/XX/XXXX into my savings account.They cashed the check on XX/XX/XXXX. If the check was cashed on XX/XX/XXXX as they stated I would not have had the check in my possession. It would have been in the possession of the person who cashed it. How could I have deposited a check on XX/XX/XXXX that the bank claims was cashed on XX/XX/XXXX. Due to their error they then deduct the check from my account. Then on XX/XX/XXXX they see the error they made and put the money back into my account. On XX/XX/XXXX they decided to close my account for a reason I still don't understand why, and the account showed a balance of the amount of that check in question. The check was cashed by HSBC on XX/XX/XXXX when I opened the account and then when they re deposited the check in my account on XX/XX/XXXX because of their mistake the check was already cashed and couldn't be redeposited. Their oversight and error. They are completely wrong. I sent to you the cashed check from HSBC showing that they cashed it on XX/XX/XXXX.
|
| 09/30/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
Here is the background of this transaction : There are XXXX units in the XXXX XXXX XXXX. Because more than half of the units are rented, federally-guaranteed mortgage financing is not available to unit buyers. Moreover, XXXX XXXX is in need of costly building repairs that can no longer be deferred. As a result, the market value of XXXX XXXX XXXX units has been severely depressed, and the only recent sales of XXXX XXXX units have been for cash and at deeply discounted prices. I and many other XXXX XXXX owners have been trying to sell our units, but we have not been able to do so without selling for a below-market price.
Faced with this situation, XXXX XXXX hired a broker to find a buyer interested in buying our entire building - that is, all XXXX units and all of the common elements -- and then de-converting our condominium to a non-condominium apartment building pursuant to Section XXXX of the Illinois Condominium Property Act. Section 15 authorizes transactions of this type, and Section 15 requires that every owner must sell his or her unit when a bulk unit sale transaction has been approved by 75 % of ownership.
The broker found a buyer ( namely, XXXX ) who is willing to pay a premium gross purchase price of {$390000.00} for all XXXX units in XXXX XXXX in a bulk purchase transaction pursuant to Section 15 of the Illinois Condominium Property Act, with a portion of the purchase price allocated to each unit on the basis of each unit 's percentage ownership interest in the common elements. The proposed transaction with XXXX XXXX XXXX presents an especially attractive opportunity for my unit. The price that XXXX XXXX XXXX XXXX is prepared to pay for my unit ( and the other XXXX units in XXXX XXXX ) is at least 20 % higher than the price paid for any XXXX XXXX unit in many years. Moreover, the bulk sale structure involves significantly lower brokerage commissions.
The proposed transaction with XXXX was recently approved by over 80 % of XXXX XXXX 's owners, so Illinois law requires that I and every other XXXX XXXX owner deliver clear title to our units to XXXX at closing, which is currently scheduled to occur on XXXX XXXX, 2016.
In the case of my unit, the good news is that my unit 's 5.11 % share of the net proceeds of sale will generate approximately {$200000.00} -- all of which will be paid directly to you -- which is substantially more than what could possibly have been generated in a conventional private sale of my unit. However, the bad news is that approximately {$210000.00} will not be enough to fully pay off my mortgage with you, even though I will not be receiving any money from the sale of my unit.
The Illinois Condominium Property Act contemplates that all lenders release their liens upon payment of 100 % of the net proceeds of sale in a Section 15 transaction, even if the net proceeds of sale are not sufficient to pay off the entire mortgage debt. Therefore, I am notifying you of your obligation to provide a mortgage payoff letter and release of your mortgage lien for my unit 's share of the net proceeds of sale, so my unit can be sold as part of the Section 15 bulk sale of all XXXX XXXX units on XXXX XXXX, 2016.
The lender has refused to release the mortgage and they continue to add on late fees and other fees every month. I believe they are doing this to increase the amount of deficiency that I will owe. My question is do I have any recourse in regards to them not releasing the mortgage. The mortgage company HSBC 's lawyer advised them to settle and they still refuse. This is a clear violation of The Illinois Condominium Act. I would like to file a complaint and to pursue legal action. Can you please advise me on my options? Thanks!
|
| 10/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Complaint against XXXX XXXX Account I suddenly found out yesterday that my account with HSBC bank had been closed and I was shocked.
First, I opened this account earlier this year with the intent to use it for my business and persona needs, then I found out that I could open a business account as well.
I initially opened this account in the branch in XXXX XXXX, and the staff there were very nice and courteous.
But I missed the appointment to open the business account at this location because it was too far from my home in the XXXX district of XXXX XXXX. so, I went into the local branch here on XXXX XXXX to open this business account, where I met the Business Relationship Manager named XXXX, and from the very first moment, I noticed strange things were happening there.
He was sort of illegally recording me with his laptop ( this is violation of my privacy and PII ) and asking me questions unrelated to opening an account. Shortly afterwards, he told me that he will be doing some review and getting back to me.
Over the course of a few weeks, I noticed that he would call me using min HSBC numbers and I had no idea what this was all about, then I asked him why the account not opened yet, then he said I must make a deposit first to have a business account open. I asked him why, am I seeking a loan or anything?
This was unbelievable and ridiculous, so I called the corporate office of HSBC in NY and reported this matter that I was basically told I could not open a business account unless I made a deposit first, even though this was a start-up and I wasn't asking for loan or anything. All I needed was business account to conduct business exchanges.
Every other person I know opens accounts and business accounts without being asked invasive questions and told to have had the business running for years and with money to open the business account, especially when the company is a start up. This is XXXX XXXX!
This personnel was using tactics that are condescending and discriminatory to profile me!
When I reported this matter : I was told by the manager that I spoke to that he had sent the report to the banker 's ( XXXX ) manager and the latter will be calling me.
Till today no such call has happened. This incident took place in XXXX or there about.
I am so convinced that some discriminatory practice had happened and that was why this banker 's manager had yet to contact me.
For this reason, I was dissatisfied with the operations of your team here in XXXX XXXX and it affected my perception of the bank.
I am not going to bank with a Bank that will profile me as inadequate or not " good enough '' in anyway.
I was waiting for their response and resolution to this misconduct of their employee for months that was why I could not use the account. If a customer is mistreated, how can that customer still feel free to trust you with her money unless you resolve the matter?
So what are you closing this account without this resolution done?
Why did no one call me or email me to ask me how I was doing following this incident?
To my shock the account was now closed and I was being reported as having a negative balance.
I also have evidence to believe that this bank has now spread adverse and negative information about me all over the banking landscape without due diligence.
The amount they are claiming I did not pay them is {$25.00} of my money which they were deducting every month. My money!
I wish to make it known that this bank 's branch here on XXXX XXXX is conducting discriminatory actions against law abiding people with the intent to destroy their credit and their information.
The account information are : XXXX and XXXX as shown on my cheque copy.
|
| 04/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I applied for an HSBC XXXX XXXX on XX/XX/XXXX, was approved, and sent a card on the XX/XX/XXXX of XX/XX/XXXX.
I activated it in XX/XX/XXXX and I purchased goods from XX/XX/XXXX to XX/XX/XXXX, total cost of the goods was {$150.00}.
HSBC then locked my card/account. They also locked me from making a payment.
I contacted them through their online chat twice, the last time XX/XX/XXXX. Both times they were unable to help and they told me to contact their security team, the phone number they gave me was XXXX.
I called it. It asked for my card number, I entered it, it couldn't read it, so it connected me to an agent, who could not hear me.
So I hung up, and called again.
This time the automated machine picked up my card number but not my PIN number. So again I was transferred to an agent, who could hear me, but then after telling me he would transfer me to the proper department, simply transferred me back to the automated machine, which asked for my card number all over again.
So, I hung up a 2nd time. 3rd call Next time I called, the machine accepted my card number and my PIN, and an agent transferred me to the proper department. After waiting on hold for 45 minutes, the agent came back on the line and asked if he could schedule a callback for sometime in the next 48 business hours. I said I can't do that because I need to make a payment on my card for the due date of XX/XX/XXXX, the day of these calls.
After a further 15 minutes of waiting, the agent again came back on the line, and finally transferred me to the proper department.
I talked to a man named XXXX or XXXX, I believe ( he slurred his name ). He asked me for my card number and my name, I gave him both.
He put me on hold for another 15 minutes.
When he came back, he told me that he would not be able to unlock my account because they needed further verification, specifically my Driver 's License. This is where I lost it and spoke rudely.
He then asked me to confirm my email address. I did, he sent me an email. I asked him if I could take a picture of my license with my phone and send it in through the email. He said I could.
I read the email. Here is the intro : " Dear XXXX, Thank you for your application. We need to obtain the following information from you in order to continue to process your application. '' What application? I'm not applying for a new card. They've already approved me. They sent me a card. They didn't ask for my license when I applied. I made purchases for 10 days and had the card fromXX/XX/XXXX-XX/XX/XXXX with no problems. They let me activate the card. Why do they need my license? I have 10+ other credit cards and none of them have ever asked for my credit card?
The agent asked if I'd like to visit a branch. I told him I'm in Colorado. He told me HSBC doesn't have branches in Colorado ( I haven't verified if there are HSBC branches in Colorado ). I was so frustrated and felt like HSBC was untrustworthy, and being frustrated I hung up.
Regardless of all my objections to HSBC 's practices, I still need to make my payment.
So I responded to the email, attaching my driver 's license. I listed the reference ID they gave me in the email in the subject line, and gave them my card number, name, and the basic info of the situation, and stated that I wanted my account unlocked.
They have not unlocked my account, I can not make the payment to the account. They have also not responded to the email. I don't trust HSBC or their employees, and now they have my Driver 's License ID as well, and I am honestly afraid that my personal identity may be at risk.
Again, I just want to pay my bill. That is all.
I didn't want to do this complaint but I feel this is my only option.
|
| 05/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Hello, I feel like I am being victimized by XXXX mortgage companies and my bankrupt attorney. I do n't know what I owe or who I owe it to. I guess Beneficial /HSBC XXXX still my mortgage company. I can not understand the terms of my loan due to getting conflicting information and different answers to my questions. Due to huge medical bills we had to take a Chapter XXXX Bankrupt and we entered into a modification agreement with Beneficial on XXXX XXXX. The terms of this agreement was : Current payment XXXX to go down to XXXX, current interest rate was XXXX to go down to XXXX, term was life of the bankruptcy. In XXXX XXXX, we entered into a new agreement with Beneficial. Terms : payment XXXX, interest rare XXXX. Term was life of loan. Agreement was effective XXXX XXXX with our XXXX payment which was made to Beneficial. Then without prior notice, I received a letter from a XXXX XXXX XXXX that said " Notice of Sale of Ownership of Mortgage Loan and XXXX was the new Mortgage Co. So, I began making payments to XXXX in XXXX XXXX of XXXX and confirmed with XXXX at that time the balance was XXXX, XXXX. I continued my payments until I called to make the XXXX XXXX payment XXXX XXXX refused payment and said that they had no record of this modification agreement and to send them documents and to contact Beneficial. Then in XXXX XXXX, I received a motion of relief from Beneficial. So I contacted my Bankrupt attorney to find out what was going on. I was told there was no XXXX modification on file and it was Beneficial who filed the motion for relief. Since then, I have made numerous phone calls to XXXX and Beneficial. I have faxed in the same documents over and over again. The documents always seem to get lost, or ca n't be found in their system. Right now, I dont ' know who my loan is with, how much I owe, what the payments are, what the interest rate is or anything. So, since the motion of relief had been filed and I did n't want to loose my home, I followed my bankrupt attorney advise which was to put down {$1000.00} of good faith money and Beneficial would put past due payments at the end of loan and XXXX payment of {$1100.00} would start in XXXX XXXX, if not Beneficial would demand all past due money be paid and might proceed with foreclosure. On XXXX XXXX, I gave the {$1000.00} to my attorney 's office and again asked them the about terms of my loans and was told when they settled on XXXX XXXX with Beneficial lawyer they would get all the terms of the loan. I explained to the mthe payment of {$1100.00} was a lot higher than either XXXX of the modifications and it should n't be. I asked how would the {$1000.00} be applied to my account, to past due payment or to the arrears. Imagine my surprise when they said it would go to pay Beneficial lawyer fees XXXX their fees of {$250.00} would come out of my bankrupt payments, as well. I do n't understand that if Beneficial sold the loan to XXXX in XXXX XXXX, how can they file a motion against me in XXXX of XXXX. Why was I allowed to make payments from XXXX XXXX - XXXX XXXX ( the first XXXX with Beneficial and the rest with XXXX ) at the modification rate and now they 're raising the payment to {$1100.00}. I 'm writing to you in hopes that you can help me figure out once and for all the terms of my mortgage and I do n't think it 's fair that I had to pay {$1200.00} in lawyer fees for a situation that was not my fault. I was making my payments according to the terms of the agreement. I am stuck between XXXX mortgage companies and a bankrupt attorney and no one agrees with the other. I do n't know what to do. Please help! ( p.s. I do have copies of all my agreements, letters, notes, etc. if you need to see them. )
|
| 02/27/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
Older American |
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Approximately 20 years ago, I took out a second mortgage with HSBC for {$42000.00}. In an attempt to eliminate this long-standing debt, I reached out to HSBC to try to negotiate a settlement. HSBC responded with the following options which were very unfavorable to me which included a : 1. Hardship settlement 2. Short Sale 3. Deed-In-Lieu Consumer Resolution Attempts : I called HSBC and informed them that this loan was not a first mortgage but was a second mortgage. The customer service representative was extremely rude and told me that I would have to sell my house and pay HSBC.
I then asked HSBC for a loan payoff and was shocked to learned that the loan balance after 20 years of payments, all made on time, was {$39000.00}. See Attachment II.
This meant that in 20 years of payments that the loan principle balance had only been reduced by {$3200.00} or 8 % of the original principle balance. I was outraged to say the least. I called HSBC to ask them " how could it be that my loan balance was still so high after 20 years of payments ''? I also asked for an amortization schedule which I have not received. In total, I have spoken with the XXXX-following individuals with HSBC and neither of them had any answers for me.
1. XXXX XXXX XXXX - Mortgage Service Specialist - XXXX, ext. XXXX 2. XXXX XXXX XXXX - Mortgage Services Specialist - XXXX 3. XXXX XXXX - Mortgage Service Specialist - XXXX Each of these individuals have been mediocre at best in terms of helping to understand what is going on with this loan with absolutely no ability to bring resolution to this issue.
XXXX XXXX said, " that it 's out of his hands and is in the hands of the research department '' and that someone in the research department would be reaching out to me soon. I asked XXXX XXXX for the name and number of the contact person in the research department and was put on a brief hold. Upon XXXX XXXX ' return to the phone, " he said that he did n't have that information although he clearly stated moments before that someone from the research department would be calling me ''.
XXXX XXXX called me a few days later as a follow up to my call to XXXX XXXX. I specifically asked XXXX XXXX about the status of my loan amortization request. XXXX XXXX stated, " HSBC does n't provide loan amortization schedules ''. I was outraged. XXXX XXXX acknowledged receipt of my request for a loan amortization schedule in HSBC 's system and then stated, " we do n't provide those ''.
My last call from HSBC was from XXXX XXXX on yesterday, Friday, XXXX XXXX, 2017. She said that a manager would be calling me on Tuesday, XXXX XXXX, 2017, but could not or would not provide me with any further details regarding my request for information on this loan.
HSBC Violations : As a consumer, under Regulation XXXX XXXX Code of Federal Regulations - XXXX - Request for Information, I am entitled to an amortization schedule regarding this loan which HSBC has refused to provide. The Code specifically states that a servicer must " timely '' comply with the borrower 's request for written information, which HSBC has refused to. I submitted a request for a loan amortization on XXXX XXXX, 2017 which I have not received. ( See Attachment XXXX ).
In addition, HSBC is also in violation of XXXX XXXX XXXX XXXX XXXX regarding the way this loan was structured which does not allow for reasonable reduction of the principle amount borrowed over time and artificially keeps the borrower in debt where payments made are credited towards interest with no significant reduction in the principle amount borrowed over time. Once again, I 've been in this loan for 20 years with only an 8 % reduction in the principle amount borrowed.
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| 05/16/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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XXXX XXXX XXXX , XXXX. ( SPS ) and XXXX XXXX XXXX ( Beneficial ), is in violation of conspiracy to commit fraud, deceit, falsification of documents and misrepresentation. Complaint # 1 : On XX/XX/XXXX and XX/XX/XXXX, I received a response concerning a CFPB complaint from both XXXX and Beneficial ( see attached ). Within those responses were copies of a document, entitled Loan Modification, dated XX/XX/XXXX. The ONLY signature on the document was my deceased fathers, which he dated XX/XX/XXXX. My deceased mothers signature block contained the word Deceased. In addition, the document included a stamp on the first page that stated, Received XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX. On XX/XX/XXXX, I received correspondence from SPS which contained what appeared to be the same Loan Modification document which I received copies of from XXXX and Beneficial on XX/XX/XXXX and XX/XX/XXXXrespectively. However, upon further review, I could see how it had been fraudulently altered and/or falsified/backdated. The similar Loan Modification document I received on XX/XX/XXXX now contained two additional stamps. One stated, Received Inter-Office Trailing XX/XX/XXXX Capture Center XXXX, FL and the other stated, Vice President and Asst. Secretary, Administrative Services Division of XXXX XXXX XXXX. In addition, this copy of the document now contained the unreadable signature on the Lender signature block, which was dated XX/XX/XXXX ( see attached copies ). I can only assume these documents were altered sometime after XX/XX/XXXX and XX/XX/XXXX ; more than two years after my father signed the document on XX/XX/XXXX. Therefore, I deem this fabricated document as null and void. Complaint # 2 : On XX/XX/XXXX in correspondence I received from SPS, they give and address for XXXX XXXX XXXX XXXX ( Alleged Owner of Note ) as XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX. This contradicts the address XXXX provided me in correspondence dated XX/XX/XXXX. In that correspondence they stated the address was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Attention : XXXX XXXX XXXX XXXX. Complaint # 3 : In numerous correspondences from XXXX they state, Your assigned Relationship Manager is XXXX XXXX. I have yet to hear from this person via telephone or in writing and preliminary investigation indicates that she is not who XXXX states she is. Complaint # 4 : On XX/XX/XXXX, I received correspondence from XXXX stating they are, based on a business decision, unable to provide assistance. Not sure what prompted them to think I want or need their assistance. In fact, in my Complaint XXXX, dated XX/XX/XXXX. I advised them I have repeatedly attempted to request information regarding this account, which has only been met with non-compliance, insufficiency, vagueness, and misrepresentation and unconscionable deceit. Therefore, I have little interest in any work-outs regarding this account until such time it can be proven to me that the alleged obligations you claim are legal and enforceable. Therefore, at this time, I rescind all verbal and written offers to cure this alleged obligation. I fully dispute the validity of the alleged debt, ( current and future ), regarding account number XXXX, as claimed by XXXX XXXX XXXX , XXXX and any associates. I have never sought approval of any modification and had never sent them an application for approval of a modification. I can only assume XXXX is attempting to receive Federally Funded Credit for the false attempt. I have identified many more discrepancies during the course of my investigation that will be revealed at a later date. XXXX and Beneficials unethical and seemingly fraudulent behavior continues unchallenged by the appropriate authorities.
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| 09/22/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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To whom it may concern : I spoke with a representative from the security center of HSBC bank on Saturday XX/XX/XXXX. This representative told me that they would expedite shipping of a lost or stolen credit card to overnight shipping. I informed this representative that I was prepared to pay the extra fee for overnight shipping, and they assured me that while it was a Saturday and overnight shipping may not be available until Sunday, the card would be expedited to overnight shipping. On XX/XX/XXXX, I spoke with a representative via the chat service on the HSBC app. This representative told me that they had no record of my Conversation on the previous day, which was highly concerning. I am happy to send you a record of this conversation if that is helpful. The next day, on XX/XX/XXXX, I spoke with another representative via HSBC chat online who also said that they had no record of this conversation that I had on Saturday. Both representatives informed me that overnight or expedited shipping are not some thing that the bank is able to accommodate and its not possible, in direct contradiction to what the representative I spoke with on Saturday shared with me. Based on these conversations my belief is that the representative I spoke to on Saturday both misled and lied to me, and perhaps failed to record our conversation or make note that my card has been lost or stolen. This causes another concern for a lost card being continually used after it has been lost and potentially stolen. I spoke with a representative on the phone again named XXXX XXXX XX/XX/XXXX. While XXXX was unwilling or unable to provide an employee ID she did provide her extension which is XXXX. XXXX was much more understanding than the other two representatives but also shared with me that overnight shipping is not an option and that I was misled or lied to by the original phone representative that I spoke with. The conversation was recorded as per HSBC policy as they shared with me when they call began, so this can be validated if you are able and willing to listen to the recording. The original representative that I spoke with and had the initial filing conversation began at XXXX on XX/XX/2021.
Finally, and in a separate issue that has also been discussed with XXXX from HSBC, I have been in a back-and-forth conversation with both HSBC representatives and my personal legal team who have reviewed the policies of a special offer that I signed up for prior to opening a checking account at this bank. I never received the bonus cash incentive for opening a checking account despite meeting the qualifications as my attorneys have agreed on based on reading the disclosure surrounding the bonus opportunity. I have tried to avoid involving my attorneys on a formal level up until this point, but if this issue persists then I have no choice but to seek mediation with the bank due to their repeated miss information reported to consumers. An HSBC chat representative Informed me after several incidents of me reaching out seeking more information on this bonus that a claim has been filed and would be updated shortly. XXXX informed me that after months, I believe approximately 16 weeks and possibly more, no updates had been made to this claim. This leads me to believe that further negligence on the side of the bank has been committed.
I am more than happy to provide documentation of chat conversations, and it is my understanding that HSBC has documented recordings of phone conversations. Between the two of these sources as well as my testimony, I hope that we are able to reach a resolution. If not, my attorney is prepared to continue pursuing action.
Sincerely, XXXX XXXX
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| 03/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is the letter I faxed to the bank with various attachments, not included here.
Hello, I am faxing these materials to you to dispute what is on my credit report. I applied for a credit card from HSBC in XX/XX/2018. They approved my request immediately and sent me the card in the mail promptly. I was going to use it for the holidays.
Thats when the trouble started. I set up the online access, installed the app on my phone and found that I couldnt use the card because there was some sort of hold that required me to speak to security. I started calling to speak to security and couldnt get through after being on hold for more than an hour. I repeated. And repeated. And repeated. I spoke to the chat person multiple times asking for numbers to get through to security. The hold times extended to multiple hours and went on day after day.
I started calling on my one hour commute to work and kept myself on hold the entire time, then I brought my phone charger to work and stayed on hold for at least 3-4 hours and kept my phone plugged in. I carefully tracked the security open and closed hours and tried to call right at opening or right before closing. Nothing. Always on hold.
I was probably on hold for more than 50 hours before I gave up. This went on for at least two weeks. I looked up new numbers on the Internet. I begged the customer service people in the other departments to connect me to security. No matter how I tried to get to security I ended up in the black hole of background hold music. My hopes to use this card for the holidays disappeared.
Then, I got annoyed. It occurred to me that even if I could actually use this card, if it were stolen or lost, I could never reach security. I looked up consumer reviews for your customer service and found they were dismal. I was not alone. This was happening to scores of people. I decided I didnt want this annoyance in my life. I called a customer service person and requested that they cancel my card. That took a while but it was eventually accomplished. The account is closed.
I am calling because the process of applying for your credit card caused an inquiry on my credit report. And now there is a new account listed as well, albeit closed. This is absolutely unreasonable and improper when you advertise a card that someone applies for and then you make it impossible for them to use the card.
I did everything I was supposed to do. I allowed the credit inquiry assuming I would have something to show for it. All I had to show for it was aggravation. No ability to use a credit card. I never got through to security to unblock my card. I have no idea why it was blocked from the start regardless. My credit is excellent. There are no issues.
I request that you contact the credit agencies and that the credit inquiry and the HSBC account be deleted from my credit reports. I made a dispute with Equifax, they referred me back to you. I called the number they supplied on their response and that person referred me to a supervisor in the customer service area. I spoke to her and she referred me to your department and asked me to fax this information.
HSBC Account : I was approved by letter on XX/XX/2018. I received a letter affirming the account was closed on XX/XX/2018.
If you would like me to supply my cell phone logs to support how many times I called your organization, I am happy to do that. If you would like copies of multiple review sites about credit cards that state that this is a well-known issue affecting many people, I am happy to send copies of those as well.
Please get the credit inquiry and any evidence of your account off my credit reports.
Thank you,
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| 01/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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COMPLAINT No.1 : In early XXXX, my wife ( XXXX, mortgagor ) and I ( XXXX ) agreed to a mortgage modification agreement with HSBC Bank USA N.A . in connection with a property consisting of four lots located at XXXX XXXX XXXX XXXX. in XXXX, NY that they had purchased in XXXX of XXXX. As a condition, HSBC exercised its right to set up an escrow account for the payment of property taxes and insurance on the property. Although we then made timely payments from XXXX through XXXX of XXXX, we learned in XXXX from their purchaser that three of the four lots securing the mortgage had been sold at auction by the county for non-payment of the full amount of property taxes due. Considering this to have been a material breach of contract by HSBC, we notified HSBC that we were suspending payments and began trying to engage it in a substantive discussion of the matter.
COMPLAINT No.2 : In XXXX of XXXX HSBC XXXX fully aware of the status and condition of the property - offered to take title to it by deed in lieu of foreclosure and promised us a {$7000.00} relocation payment if we vacated the property and left it broom clean by the end of XXXX of XXXX. We accepted and performed to HSBC 's documented satisfaction within the time period specified, only to learn in XXXX of XXXX that HSBC would not honor its commitment due to a question of title marketability raised by XXXX, which was based on an erroneous assumption by that agency. All further attempts by us over the next two years to arrive at a mutually acceptable resolution were met by responses by HSBC that can only interpreted as a complete unwillingness to further discuss the matter in a substantive manner.
COMPLAINT No.3 : In an attempt to explain the grounds for HSBC 's unwillingness to take responsibility for neglecting to pay the full amount of property taxes due back in XXXX, HSBC Vice President/Head of Customer Relations XXXX XXXX, in a letter to us dated XX/XX/XXXX ( copy provided by her to CFPB ) made a materially false statement to the effect that HSBC has advised us that it was making payments on only " the lot that contained the home '' ( her words ), and not " the other three lots. '' To substantiate this claim, she referred to a letter from HSBC to us dated XX/XX/XXXX ( predating by over a year the coming into force and effect of the mortgage modification presently in effect ) which contains no mention whatsoever of HSBC 's actually separating the lots or treating them differently for any reason or purpose. Furthermore, neither the mortgage modification presently in effect, nor any correspondence or notice from HSBC associated with it makes any mention of HSBC 's intention to escrow for taxes and insurance on only the one improved lot.
COMPLAINT No.4 : Counting our down payment, loan and escrow payments, improvements, and the cost of vacating, we have invested close to {$100000.00} in this property. The best HSBC has been able to come up after five years of inexcusable delays and its effective denying us of the use and enjoyment of our property for that entire time is to increase our relocation payment by {$3000.00} to {$10000.00} for a deed in lieu transfer of title.
COMPLAINT No.5 : Finally, our cost of living has been higher over these past several years due to our inability to recover any of our investment in the property thus far and the derogatory credit reports HSBC has been submitting to the credit reporting agencies. Both my wife 's credit score and by extension, mine, are so low that we can not qualify for anything but the highest interest rate credit cards and are unable to borrow for any kind of refinancing on the property we presently occupy.
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| 10/19/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Using a debit or ATM card
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Web |
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The XXXX ( founded 1988 ) is filing this public report to the CFPB as a result of the XXXX six-year campaign for the " modernization of telephone banking, '' for public record, and proof of the submission of the URGENT XXXX, " Safe Call, '' RECOMMENDATIONS : XXXX to your bank or financial institution. Over a XXXX people were killed in automobile accidents last year, with another XXXX seriously injured! The NHTSA states, " distracted driving is the number one cause of auto accidents and a deadly epidemic! '' XXXX has the cure, Eyes on the Road/Hands on the Wheel ... the science of road concentration! There are XXXX mobile phone users and over a XXXX vehicles on the road, so mobile phone use while driving is a worldwide constant urgently dictating remedial change to banking communications standard and practices. ALL BANKS AND FINANCIAL INSTITUTIONS NEED TO CONVERT THEIR PHONE SYSTEMS TO VOICE COMMAND TO ACCOMMODATE VOICE OPERATIVES FOR THOSE THAT CALL BANKS WHILE DRIVING! Once the XXXX road concentration mandate is realized by the driving public, the next step is for banks to curtail distraction temptations. Banks/credit card companies are the most called businesses in the world, and also the business with the dangerous request, " enter or read your ATM or credit card number. " This request is extremely hazardous to those on the road as it encourages people to text message, and or, read ATM or credit card information while driving! Furthermore, this telephone banking practice is rendered obsolete with the realization that ATM, and or, credit cards, are not effective for banking security as they can be lost, stolen, or even secretly copied, and there are modern and better securities protocols now available such as secret passwords, and voice biometrics. Since several banks such as XXXX XXXX, XXXX XXXX XXXX, XXXX Bank, and XXXX XXXX have acknowledged the importance of the XXXX Safe Call recommendations for voice command on their main telephone banking line by using them, XXXX now recommends that these same remedial corrections, and modern innovations, be applied by all financial institutions and their divisions, such as credit card, mortgage, brokerage, and loan departments as it is true ... Safe Call, good for one, good for all! The XXXX Safe Call recommendations improve banking security, safety, proficiency, and productivity ( customer satisfaction ) and cost little to implement. There are no legitimate arguments to oppose these urgent telecommunication advancements and improvements. Again, TELEPHONE ATM AND CARD ID REQUESTS ARE HAZARDOUS FOR DRIVING, AND INEFFECTIVE FOR ID SECURITY, AND CAUSE ACCIDENTS WORLDWIDE! XXXX MUST INSIST THAT ALL BANKS/ FINANCIAL INSTITUTIONS, CEASE AND DESIST TO USE ATM/C.C. CARDS FOR ID AS THEY ARE UNSAFE AND INSECURE! THIS DANGEROUS ATM/C.C.CARD ID PRACTICE IS NOT CURTAILED FORTHWITH, BANK SECURITY WILL CONTINUE TO BE COMPRISED, BANKS MAY BE HELD LIABLE FOR ACCIDENTS THAT ATM CARD/C.C. ID REQUESTS CAUSE! THIS CFPB COMPLAINT IS NOW PUBLIC RECORD THAT YOUR BANK/CREDIT CARD COMPANY WAS SERVED THIS ASF WARNING NOW IN THE CFPB COMPLAINT DATA BASE.
Help Save Lives and Improve Banking Security!
XXXX IS NOT REQUESTING PAYMENT FOR AUTO SAFETY RECOMMENDATIONS, BUT, DOES REQUEST PAYMENT FOR USE OF ANY ASF RECOMMENDATIONS THAT IMPROVE PROFICIENCY, SECURITY, AND OR, PRODUCTIVITY. ASF REQUIRES ALL BANKS, or COMPANIES, THAT UTILIZE ANY OF THE ASF " Safe Call '' RECOMMENDATIONS PAY XXXX FAIR MARKET RESEARCH COMPENSATION FOR THIS USE. If this proposal is agreed to, no response to the CFPB is necessary.
Please send contract and payment to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. Thank you.
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| 03/30/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I am a law abiding, squeaky clean, legally XXXX retired distinguished American senior citizen at my vacation home in a XXXX, XXXX, who only has XXXX USA bank account my HSBC checking account with a debit master card that is tied to my funds in my HSBC checking account. My creditworthiness as is reflected by my credit report is excellent as is reflected in my credit score, etc. I have had my account with HSBC for over twenty years when you include the bank that HSBC merged with. I have always gone above and beyond to exercise due diligence with HSBC by for example putting a seven year fraud alert on my credit report when I got a letter from XXXX that someone had attempted to fraudulently open a line of credit with them in my name last year. In addition, I purchased a one year subscription to XXXX Protect My ID service after I got that letter from XXXX alerting me that someone had fraudulently attempted to open a line of credit in my name. I have always been a creditworthy customer of HSBC who has always followed the protocols of HSBC bank. In fact, inasmuch as, HSBC bank over the years has made numerous solicitations for me to open up a line of credit with HSBC and I have refused when I got such a solicitation from HSBC I was shocked that they refused to offer me their credit card. Not only was I shocked but the credit reporting agencies were shocked and said it was discrimination, inasmuch as, I have an excellent credit report and I have always been a creditworthy customer of HSBC bank. Not to mention I have no outstanding debt with any financial institution, no credit card, etc.
I was shocked when my HSBC branch manager XXXX wrote me in XXXX that she was closing my HSBC checking account. I contacted HSBC and was informed that they have the right to arbitrarily close even someone like me an always creditworthy customer who has always followed all of the protocols of HSBC and who has always done due diligence when there has even been the slightest problems. Even after I informed XXXX and HSBC customer relations, and HSBC investor relations that it would be an extreme hardship for HSBC to close my HSBC checking account because I am on my way back to the USA and I need to have the liquidity of access to my funds via my HSBC bank account, because it is virtually impossible for me to open a checking account in XXXX and therefore virtually impossible for me to get a check cashed in XXXX, because I am only vacationing in XXXX, I am not going to establish residency in XXXX through the immigration services in XXXX. Moreover, as I have informed HSBC including HSBC investor relations, consumer relations, my branch manager, I am a legally XXXX squeaky clean American senior living alone in XXXX who has no spouse, no partner, no children, etc. ; therefore, if HSBC cuts me off from my funds or access to having my direct deposited US Social Security monthly benefit of XXXX ( {$XXXX} ) monthly direct deposited to my HSBC account and further I am cut off from my monthly direct deposited XXXX ( XXXX ) pension benefit on one XXXX ( {$XXXX} ) which is also every month direct deposited to my HSBC bank account I am not going to have access to money for basics for my life sustaining food and medications that for me a legally XXXX senior who this month a treating physician in XXXX recommended I return to the USA to get my congestive XXXX XXXX treated because I only have health insurance for the USA not XXXX or anywhere else, I could literally have a massive fatal XXXX XXXX or XXXX and/or my other bodily systems fail because I am cut off from my direct deposited funds to purchase my life sustaining food and medications. HELP
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| 01/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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In late XXXX of XXXX, I applied for a credit card with HSBC. The company advertised a promotional 0 % APR for 18 months.
On XX/XX/XXXX I received an email confirming my application. The email from HSBC Online Account Opening Team said " Thank you for applying for an HSBC Gold Mastercard credit card. Our team is currently reviewing your application. We may need more information in order to process your application, and if so, will reach out within 7-10 business days. '' On XX/XX/XXXX I received an email welcoming me to my HSBC Gold Mastercard. The email said " Your card will mail in 7-10 business days. We'll send you an email when it ships. '' On XX/XX/XXXX I received an email with the subject line " Activate your new HSBC Credit Card today '' and said : " We recently mailed your new Credit Card and want to make sure you're enjoying the benefits.Once you activate, expect : No Annual Fee A Low Introductory APR on purchases and balance transfers 1 '' and " 1. Refer to your to your [ sic ] Cardmember Agreement for more information. '' The email included an " Activate '' button, which I followed. I was unable to create an account or begin the balance transfer process without the actual card.
I did not receive the actual card until XXXX. I created an account and set up balance transfers. On XX/XX/XXXX I received the confirmation of the online banking registration via email. On XX/XX/XXXX I received confirmation of the balance transfer requests.
When I made the balance transfer request, the interest rate was never specified - only that " terms and conditions of your account as previously disclosed '' applied.
My first statement showed not only the 4 % transaction fee - which I expected - but a 15+ % interest rate.
I contacted the company via online chat on XX/XX/XXXX, and was told the balance transfer needed to occur within 60 days of account opening to qualify for the 0 % rate. Those 60 days passed while I was waiting for the card, without which I could not create an account or make the balance transfer. I was told by the agent that my problem would be passed to their " back end teams '' and I would receive a reply in 3-5 business days.
On XX/XX/XXXX I contacted the company via online chat again, as more than 5 business days had passed without a reply. I was told that they would not honor the 0 % interest rate.
I obviously would never have made the transfer - or opened the account - if not for the 0 % rate. I feel misled by HSBC 's practices. I can not know if HSBC deliberately delayed my card, but I know I did not receive it before the end of the 60 day promotional period. During my discussions with agents in the online chat, I was told I could have called them to make the balance transfers before receipt of the card, but that option is not specified in the emails I received while waiting for the card.
HSBC does not disclose the interest rate during the balance transfer request process, as many other companies do. Had I known my transfers were not eligible for the promotional rate, I would have not made the requests - or would have at least called the company to correct the error before I agreed to a 4 % transfer fee.
I considered small claims court for the 4 % transfer fee and interest HSBC charged me ( a total of {$560.00} ), but upon reading the full agreement that came with the card, I discovered I am bound by an arbitration clause. In order to opt out if that clause, I must notify the company within 60 days of opening the account - which as I noted had already elapsed before I received the information.
I can provide the emails and the transcripts of the online chats described above.
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| 05/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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|
Web |
Older American |
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An earlier complaint with CFPB ( ID XXXX-XXXX, dated XX/XX/XXXX ), detailed my substantial efforts to rectify an inexplicable block on online access to my two deposit accounts ( checking and savings ) and a MasterCard credit card issued by HSBC Bank USA, NA. My efforts proved to be an exercise in futility and I requested the CFPB assistance in restoring proper access and benefits of my accounts and to be compensated for the improper actions of HSBC.
Ms. XXXX XXXX XXXX, VP, Head of Customer Relations at HSBC Bank USA, responded to the CFPB complaint on XX/XX/XXXX, apologizing for the poor communication experience and blaming it on call volumes. She explained the block on my accounts as being the result of the Fraud department needing a copy of my ID and address, even though there had been no irregularities or lost or stolen card, or disputed charges. She offered XXXX reward points ( equivalent to {$50.00} ) as a gesture of goodwill, which does not even come close to compensating me for the hardship and damage to my credit reputation caused by HSBC misbehavior.
When I contacted HSBC Bank customer service on XX/XX/XXXX I was informed that the credit card had been closed, not just blocked, effective XX/XX/XXXX. XXXX, the same date as Ms. XXXX disingenuous offer of XXXX reward points.
Subsequently, on XX/XX/XXXX Mr. XXXX XXXX at Customer Relations responded to my phone calls and assured me that my online access to my accounts would be restored and that the late fees assessed to my credit card on XX/XX/XXXX and XX/XX/XXXX were unjustified and would be reversed. As I recall, he also promised to repair the damage to my credit reputation from the delinquency reported by HSBC.
On XX/XX/XXXX I was able to access my accounts online, but still unable to make online payments to the credit card. I proceeded to close my savings and checking accounts and withdraw the funds into an external bank account. At this point I had completely lost any confidence in the fiduciary responsibility of HSBC Bank USA.
On XX/XX/XXXX I initiated an online chat session with HSBC customer service after being still unable to make a payment online, and was persuaded to pay the minimum due which would have been a total {$100.00} for the amounts due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have continued to charge late fees on the account.
I have repeatedly emphasized to HSBC customer service that it was important to me that I should be able to pay online from a verified external bank account instead of mailing a check, or pay over the phone or via a chat session due to security concerns. HSBC appears to be indifferent to that need.
They have seriously damaged my credit reputation by reporting my account as being delinquent. My FICO score as reported by HSBC has deteriorated from XXXX on XX/XX/XXXX before all this turmoil, to XXXX on XX/XX/XXXX and I am sure it has gotten even worse since that date. This decline can be attributed solely to HSBCs irresponsible behavior.
I am no longer interested in maintaining a financial relationship with HSBC. At this time, I am only desirous of my credit reputation being fully restored and being awarded adequate compensatory damages. To be candid, they are deserving of substantial punitive damages being assessed on them.
Regrettably, my 60 day feedback period for the HSBC response to the original CFPB complaint, ended mid-XXXX XXXX while I was still awaiting the corrective actions promised by their customer relations. Hence the need for a fresh complaint in this matter. Thank you for your attention to a situation where a US citizen definitely needs financial protection.
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| 10/15/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Everything started off with a check that I received in the mail. I received an email telling me to expect one for the contract I signed up for months ago that offered me money for putting advertisement vinyls on my vehicle. They said the amount they were sending me would be for the cost of putting the vinyl on my car. I receive the the check, deposit it into my HSBC checking account via mobile deposit around the middle of XXXX. ( I dont have the exact date, youll see why later. ) 2 days go by and nothing has been deposited in my account. I go to log in through the mobile app and an error message pops up saying that my account was suspended. I called the next day to talk to customer service. The customer service team could not help me because the security team is only open from XXXX to XXXX. I call the next morning at XXXX XXXX and speak to customer service again and they forward my call to the security team. The lady on the phone confirms the deposit I made and said that my account is under a 5 day review and that I do not have access to my account during this time. She mentioned that it was a fraudulent check. I signed up for an advertising company and had no clue that this was going to be a scam. After 5 business days, I call back and ask for an update. Customer service team forwards me to the security team again and a different lady tells me that my account has been recommended for closure. I did nothing, but as long as I get my money, I dont care. ( The money thats previously in there, not the deposited check. ) The lady that I spoke to said that as soon as the account was marked recommended for closure the closure team receives a notification and a check is immediately made out with the remaining balance of whats in the account. She said to wait until Wednesday to receive the check. Then, on Thursday ( due to COVID-19, I gave the USPS an extra day ) I called back asking if they sent my check out yet. I was forwarded to the security team once again and the lady told me that after the closure protocols take up to 30 days. It went from 5 days to check written immediately, to up to 30 days. I call in today ( XX/XX/2021 ) and ask to see if it had happened to be sent out yet ( 15 days into the review ) and they said no and that they are still completing their closure protocols. After asking how long that takes just to confirm I would get the same answer, the agent tells me she doesnt have a clue. I asked if she could give me estimate, a day? A year? She said not a year but couldnt narrow it down any more than that. When I started asking her more questions, she forwarded me to the agent that was handling my closure account process. All this did was let this member of their team tell me how irresponsible it was to deposit a check that I didnt know the funds were good for. Im sorry, but no one calls the bank to make sure EVERY check is good before depositing it. Every time I asked him a question he would continue to ridicule me about how reckless I was for depositing that check in which I said I have clearly learned my lesson and that I would just like my over {$2000.00} dollars in my account to be sent to me. He said it takes about 30 or more BUSINESS days. Again, no definite timeline, but with the added business element to the date. So from 5 days, to immediately, to 30 days, to I havent a clue, to 30 OR MORE business days. I just want the money that is owed to me. This is causing my bills to be late and will inevitability cause credit score issues. I just want my money. I dont care about this fraudulent check with this fraudulent advertising company. I just want HSBC to send me my money.
|
| 11/16/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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My Name is XXXX XXXX HSBC costumer checking advance account # XXXX, On XX/XX/2018 I open an online checking account with HSBC bank within of {$350.00} welcome bones for {$10000.00} deposit new checking account a least 90 days and after that {$350.00} will posted on the new account after 6 to 8 weeks of that 90 days. When my time was up I called to find out why my welcome bones havent been posted on my account. I contacted many times costumers services for more than two weeks and all of them gave me hard time. Finally on XX/XX/2018 one of them created investigation referral # regarding my issue. On XX/XX/XXXX I call costumer services regarding my issue. They was looking on the investigation and came to the conclusion that my {$350.00} welcome bones was denied because first I didnt open through the on the line now button in order to qualify for the promotion, which it is a lie, because that was the only way to apply on the line and the second of the reason is that I had an open account prior of application which that is lie too. I had an active credit card account which is not part of conditions to qualify for the promotion. When I so that was very difficult to deal with that person I ask for the supervisor Mr. XXXX XXXX ID # XXXX who behaved in the same way of his prior coworker. Without choice I asked for his supervisor chain and commend Mr. XXXX XXXX who behaved in the same way of his prior coworker. I so they were orchestrated in the same way no chance to resolve in the way supposed to be resolved. I think that they behavior is as result of HSBC higher management, who order them to lie by posting false advertisement and give fake resolution. took my money Due to the false advertisement they make me to transferred {$10000.00} from XXXX XXXX to their bank, keeping my money for more than six month and in the end they said XXXX you. They justification for denied my welcome bones was that I wasnt applied from so call now button from their websites which, that is a lie. There is no way that a customer can open an online checking account from other websites that will open an HSBC checking account who took {$10000.00} from XXXX XXXX to HSBC and can be denied that wasnt open from their now XXXX. The evidence shown that I applied from that web side and the account was open from that website period. Also they claim that the second reason I was denied because I had an active account prior to open that account. That is the lie too. I didnt have a prior account. The terms and conditions clearly stated that disqualification for this promotion is if the customer has an account including checking, savings, CD accounts or other investment but didnt include credit cards as non-qualified conditions. Also other issue having with this bank is that a week after I open my online account I referred my family member XXXX XXXX to open through the phone line and advance checking account in order for me and her to receive {$100.00} bones each. For this issue their excuse is that my refer code wasnt generated at that time. But the real reason of not generating my refer bonus code was because HSBS computer system at that time was updated that most of the customers had for weeks problem. So wasnt clients fault that their system had the problem. However they dont want to recognize their fault, HSBC purposely put false advertisement to benefit from their customers, but when comes to giving bones they deny customers. by creating false narratives. So to proof my clam Im including an advertisement information for {$350.00} advance account welcome bones and {$100.00} bones for referring a friend or family member.
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| 09/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
Servicemember |
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Good morning, I was with HSBC BANK since 2018, I had 6 accounts with them. I was informed by XXXX that they had a data breach an I was included in that data breach, as a result I was exposed to immense identity theft, from this bank, I informed them of the data breach an the identity theft that was going on, they ignored me, I had XXXX in these accounts, I had also an brokerage account ... .this bank violated all consumer laws, I never had any Fraud alerts put in place after I informed them of the many infractions, they were still letting scammers in my accounts an Taking all my money, they keep closing my cards an sending me new ones, because I had to keep calling to informed them after I sent all my information to them, they sent my letters saying that there was FRAUD on my accounts, but never refunded my money, the only money they returned was XXXX to me it's still XXXX unaccounted for, they owed XXXX, XXXX still that they never refunded me, when they sent the letter acknowledging that it was Fraud on my accounts, I keep calling an writing them with no call back, no letters to inform me of exactly whats going on with my accounts, Everytime I contact them, they would have me on hold for hours, then the phone would hang up, i had to call back again an again, they wouldn't answer, then they kept switching me to different departments in which the same person would answer the phone an tell me they somebody else, when i kno im talking to the same individual, this is insane, thats all the money I had, i have a XXXX sister an a XXXX son, that depends on me an they let someone garnish all my money out of my accounts without informing me, i had to inform them, my other bank account informed me Everytime there was fraudulent activity going on, but HSBC didn't, if they were able to refund XXXX back to my account they acknowledged that there was fraud going on at a alarming rate, so I guess I was doing to much calling looking for a refund of my money, they Closed my accounts out without Prior notice, Or a Phone call telling me if that what i wan na do, they just did it on their own, an thats Not fair to me, they violated all my consumer banking rights as a bank I been with over 5 year 's, I expected a better banking experience with them then what happened an I'm devastated an apaulled by this bank, i would never recommend anyone to bank ay this Bank XXXX they were very nasty when i would call requesting my money back, I never had this happen, XXXX XXXX XXXX refunded my account, XXXX XXXXXXXX XXXX XXXX my account, but HSBC refused to acknowledge this disturbing situation, I have no MONEY, how can I support myself, my XXXX sister, my XXXX son, with no money, if they would have refunded my account then closed it, that would've been different, but these things never happen, they just threw me to the waste side like garbage, an i was a loyal customer, i wasn't aware until XXXX XXXX me aware, im waiting on payment from XXXX XXXX, i really need your help, because I'm at my wits end with this Bank, this is not Normal banking Practices, an they closed my case, without.y knowledge, sent me my statements, But NO LETTER STATING WHY, WHEN THEY SENT ME LETTERS AT FIRST ACKNOWLEDGING THE FRAUD, I NEED HELP PLEASE I CAN'T LIVE LIKE THIS, THUS THE FIRST TIME THIS EVER HAPPENED TO ME, AN IDENTITY THEFT IS AT AN ALL TIME HIGH RITE NOW, AN IT SEEMS LIKE ANYBODY whose able to get over on you or take advantage of the vulnerable people they will, even the banking system is robbing their own client 's. I was a Loyal customer at this bank! Please help me get my money back please, please, please!
|
| 04/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX a Judgment was issued against me for the credit card debt that I owed to XXXX XXXX XXXX XXXX in the amount of {$6200.00}. The payments were ordered at {$40.00} per month, payable to XXXX XXXX XXXX, XXXX XXXX Counsel C/O the law firm of XXXX, XXXX XXXX XXXX, XXXX ( whom was representing XXXX XXXX XXXX XXXX in this matter ) On XX/XX/XXXX I received a letter of explanation along with a court appearance/withdrawal that the law firm of XXXX, XXXX XXXX XXXX, XXXX was withdrawing their appearance in this matter on behalf of XXXX XXXX XXXX XXXX. The new law office, XXXX XXXX filed their appearance and in the letter of explanation I was directed to make all future payments to the new law office that was taking over. At that time I telephoned XXXX XXXX and spoke to XXXX XXXX to confirm my outstanding balance, which at that time was {$4800.00}. On XX/XX/XXXX I received a statement from XXXX XXXXXXXX reflecting a balance of {$3700.00}, after making my {$40.00} payment the next statement on XX/XX/XXXX reflected a new balance of {$3700.00}, which confirmed that my payments were being deducted form the balance.
On XX/XX/XXXX my account was transferred to a collection agency : XXXX XXXX XXXX. On XX/XX/XXXX my account was transferred to XXXX XXXX XXXX XXXX XXXX stating that my balance was {$3400.00}, which I do not agree is accurate.
On XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX XXXX XXXX disputing the balance and requesting proper verification of the debt and a complete payment history on the account. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX responded stating that my balance was {$3400.00} and including a copy of the original Judgment from XXXX.
In a separate mailing on XX/XX/XXXX I received another letter from XXXX XXXX XXXX XXXX XXXX with a payment history ranging from XX/XX/XXXX - XX/XX/XXXX, which did not include a payment that was made on XX/XX/XXXX for {$40.00} and on XX/XX/XXXX for {$40.00} ( these checks were made out to XXXX XXXX, however on the XX/XX/XXXX check copy it is stamped " For XXXX Only XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' confirming that both checks were cashed for a total of {$80.00} ). In addition I added up all of the payments that were sent in the XX/XX/XXXX response from XXXX XXXX XXXX XXXX XXXX and I do not agree with the {$3400.00} balance, the true balance after adding up all of my past payments totaling {$3600.00} on the original Judgment amount {$6200.00} should only be {$2500.00}.
On XX/XX/XXXX I sent a certified letter back to XXXX XXXX XXXX XXXX XXXX explaining why I do not agree with the owed balance, especially after using the payment history that they have provided to me on the account. I requested a proper accounting verification of the debt balance that they reflect as {$3400.00}, I also included the copies of the two cashed check copies for {$40.00} each that were sent on XX/XX/XXXX & XX/XX/XXXX.
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX responded to my request updating the balance to {$3300.00} and stated " enclosed please find validation for the above mentioned account '' they only enclosed a copy of the of the original Judgment from XXXX and a " current balances '' printout stating the following : total balance {$3300.00}, principal balance {$3300.00}, interest balance {$10.00}.
XXXX XXXX XXXX XXXX XXXX did not respond timely or properly to my request, my account is off by over {$800.00} and they can not validate it, clearly they are violating the Fair Debt Collection Practices Act and I am completely frustrated with this! I will be uploading all documents that support my summary.
|
| 05/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Our loan with HSBC recently closed with incorrect property tax withholding going into escrow. We repeatedly asked for corrective action, even noting the RESPA violation, but HSBC refused to correct. As such, we are filing this RESPA violation complaint.
Per the XXXX XXXX Tax Assessors website, Owner occupied property is assessed at 10 % of its fair market value. The property appraised at {$650000.00}. 10 % of this is {$65000.00}. This fact is not in dispute The XXXX XXXX millage rate is XXXX. This is published on the XXXX XXXX Tax Assessors website. It was also acknowledged to be true by XXXX XXXX, per the title company, in her attached email dated XX/XX/XXXX. The millage rate of XXXX is agreed upon by both HSBC and myself. This fact is not in dispute.
10 months of property taxes were collected at closing. We agree that the collection of 10 months of taxes is reasonable. This fact is not in dispute.
Given the three points above, expected taxes annually, without the homestead deduction are : $ XXXX {$6000.00}. For escrow purposes, this works out to $ XXXX {$500.00} per month.
{$500.00} XXXX months = {$5000.00} to be collected at closing. Additionally, under RESPA, HSBC was permitted to collect XXXX of expected annual taxes as cushion. {$6000.00} projected annual tax XXXX XXXX = {$1000.00}. This cushion, plus 10 month of taxes equals {$6000.00} ( $ XXXX {$5000.00} ). Instead, {$9300.00} was collected at closing. This was a rate of {$930.00} per month vs the correct {$500.00} per month. This is a clear RESPA violation.
In addition, HSBC collected this amount with malice. I raised these concerns on 5 different occasions, Please see attached emails as support. I even specifically noted the RESPA violation and asked that they correct, which they refused.
1. XX/XX/XXXX email to XXXX XXXX, XXXX XXXX and XXXX XXXX 2. XX/XX/XXXX email to XXXX XXXX 3. XX/XX/XXXX email to XXXX XXXX 4. XX/XX/XXXX during recorded phone conversation with XXXX at XXXX pm central time 5. XX/XX/XXXX email to XXXX XXXX Additionally, on XX/XX/XXXX I filed my Homestead Exemption with the XXXX XXXX Tax Assessor for the XXXX tax year. XXXX XXXX in that office confirmed that the XXXX taxes due in XXXX would be based on land alone, since construction on the home did not begin until XX/XX/XXXX. This means withholding at closing is even further inflated. Property value is estimated to be approximately {$48000.00}. This puts the taxes due in XXXX at approximately {$440.00} for the whole year ( $ XXXX {$440.00} ), of which {$370.00} should have been collected at closing.
We are requesting an immediate refund of overcollection for escrow, plus interest. This totals {$9000.00} plus interest.
We are requesting that our mortgage payments be adjusted to reflect a monthly property tax escrow withholding of {$37.00} per month instead of {$930.00} per month through XXXX of XXXX. We understand that next year we will pay taxes on the full market value, minus our homestead exemption, and expect the escrow will go up accordingly in XXXX. However, current estimated taxes due in XX/XX/XXXX, with the homestead exemption, are projected to be {$5400.00} ( $ XXXX {$6000.00} homestead exemption ) XXXX {$5400.00}. This equals a monthly property tax escrow payment of {$450.00}.
We also ask that all fines that are permitted under the law be assessed against HSBC. The fact that we raised this concern 5 separate times over a one month period and they proceeded to ignore our concerns, clearly indicates a disregard for the real estate laws in place to protect consumers like myself.
|
| 09/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
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Web |
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I opened an account with HSBC because of a promotion they were running with a bonus. Upon opening online, I arranged for a {$100000.00} deposit via transfer of funds ( which was required for the bonus ) from my account at XXXX bank. HSBC made multiple transfer requests for {$100000.00} instead of just one request, resulting in my account with XXXX to be overdrawn and causing {$72.00} in overdraft fees to be assessed by XXXX to me. Following is the first example of transfer requests from HSBC on the same date at the same time ( there were several other attempts by HSBC ) : XX/XX/2018 ACH WEBSINGLE XXXX HSBC ONLINE TRANSFER {$100000.00} - {$77000.00} XX/XX/2018 ACH WEBSINGLE XXXX HSBC BANK ACCT FUND {$100000.00} {$22000.00} You can see where these caused the balance to go into the negative of - {$77000.00}.
HSBC claims that XXXX must have made an error to cause these additional transfers, even after I have provided them copies of these online statements showing the multiple transfer attempts time and time again, as well as the overdraft NSF charges I was assessed as you can see below : XX/XX/2018 RETURNED ITEM FEE ( NSF ) Information Icon {$36.00} - {$78000.00} XX/XX/2018 RETURNED ITEM FEE ( NSF ) Information Icon {$36.00} - {$81000.00} XX/XX/2018 ACH WEBSINGLE XXXX HSBC ONLINE RETRY PYMT {$100000.00} - {$81000.00} HSBC continued to time and time again initiate bank transfers from my XXXX account even after they had received the initial {$100000.00} transfer and had deposited that amount in the new HSBC account.
This was clearly an error on the part of HSBC, but HSBC will not take responsibility. I have been harmed by their negligence and fraud, whether intentional or random. HSBC should refund the {$72.00} fee to me and can do so by depositing that amount into my account XXXX. It is irresponsible that HSBC will not simply fix the problem that they have caused.
Following is a excerpt from my CHAT with HSBC where I attempting, however futile, to resolve this issue with the company ; Why did HSBC continue to take transfer after transfer after they already had the {$100000.00} transfer completed?
XXXX at XXXX, XX/XX/XXXX : The initial transfers were not successful, so this would be why there were multiple transfers initiated.
XXXX XXXX at XXXX, XX/XX/XXXX : The initial transfer WAS SUCCESSFUL and {$100000.00} went to HSBC XXXX XXXX at XXXX, XX/XX/XXXX : HSBC had already received the {$100000.00} but continued to make withdraw attempts again and again XXXX at XXXX, XX/XX/XXXX : The initial transfer was not successful this is why there are multiple transactions.The transfer that was successful was the transfer on XX/XX/18. Which is the last transfer from the information of transactions you provided and the transfer that shows on the HSBC account transaction history.
XXXX XXXX at XXXX, XX/XX/XXXX : On my HSBC account Online information it shows the HSBC account was funded on XX/XX/XXXX XXXX at XXXX, XX/XX/XXXX : Again my apologies for the inconvenience.
XXXX XXXX at XXXX, XX/XX/XXXX : XX/XX/2018 ACH WEBSINGLE XXXX HSBC ONLINE TRANSFER {$100000.00} - {$77000.00} XX/XX/2018 ACH WEBSINGLE XXXX HSBC BANK ACCT FUND {$100000.00} {$22000.00} XXXX XXXX at XXXX, XX/XX/XXXX : Above shows HSBC taking 2 withdraws on the same date at the same time XXXX at XXXX, XX/XX/XXXX : The account was funded on XX/XX/18 and the only transaction in the transaction history is on XXXX. If you are referring to the XXXX account I would not be able to validate that. Again my apologies for your experience. Is there anything else I can assist with today?
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| 02/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
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On XX/XX/XXXX i found out that there are multiple unauthorized transactions ( in store shopping at XXXX and XXXX and ATM withdrawals amounting at {$83.00} daily ) made using my ATM card with dates from XX/XX/XXXX-XX/XX/XXXX totalling to $ XXXXI immediately called my bank and reported the issue. They cancelled my card right away and was told that my problem will be forwarded to their Fraud team. XX/XX/XXXX i called the bank and followed up my case- was then told that my complaint was denied- said that the transactions were all authorized by me. I was asked if i lost my card- i said i didnt. I was also asked if i shared my PIN with anyone- i said i didnt. Then i asked them if these were the reasons why my case was denied- the person just keeps telling me to just file a police report so that my case can be re opened. I filed a police report at XXXX Police on the same day. I even went to XXXX XXXX branch where 3 transactions amounting to {$250.00} three times minutes apart ware made. The store manager was kind enough to show me the footages of the CCTV on the date and time when my card was used ( accdg to the bank statement copy ) I saw 3 different people doing the transactions with an actual card by swiping it at the cashiers. I was also referred to a guy named XXXX XXXX who is the overall XXXX relations VP of the bank. He said he will help me re open the case- he got my bank details and said he will personally re open the case for me. When i asked him if i needed to follow up with the bank- he said he will take care of it. This was XX/XX/XXXX. Days passed and i have been following up with Mr XXXX- all he will tell me was- let me call them and find out whats happening. I even gave him the copy of the police report so he can give it to the banks fraud team. XX/XX/XXXX i texted him again but never got a txt back anymore. I then called the bank on XXXX XXXX and spoke with one of their Fraud team representative named XXXX. I was informed by him that my case hasnt been re opened because they were waiting for the police report they required me to get on the last time i spoke to them last XX/XX/XXXX. There was no XXXX XXXX that reopened the case for me. I was so disappointed as 3 weeks was wasted coz somebody pretended to be helping me. So case was re opened again on XX/XX/XXXX. I send the copies of the police report to this guy at the fraud team department named XXXX through email. I even called him afterwards on tel # XXXX to make sure that he received the documents and he said he did. Weeks passed and i never heard anything from them. XXXX XXXX i called and follow up my case. The rep said its being reviewed by their fraud team. I asked what has the fraud team done so far bec its been almost a month since my case was re opened. The lady i spoke to has just been telling me that my case is being reviewed without any details of anything that they have done to my case. I even requested to speak to XXXX as he was the person that knew my case. I was told that they will let him know so he can call me. I never received any call from him. I decided to email the banks fraud team ( XXXX ) 2 days after- told them that i will forward my case to Consumer financial protection bureau but up to this time- none of them has reached out to me. Its not even my fault but this bank is giving me a hard time, fraud team has a responsibility of detecting suspicious card transactions but this was never done by them. I was even told that until they are finished with the investigation, the money that was stolen will never be returned. How unfair is that.
|
| 06/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
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Web |
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About a month ago, I opened a credit card account with HSBC - it is a XXXX, cash rewards card. Then, a week ago, this card was declined at XXXX XXXX store. I have excellent credit score and have never had something like that happen without any communication from the bank.
I tried calling the customer service number : multiple times I was placed on hold for " security department '' for over one hour and the call never got answered. Last week, I have called daily - same situation, call is picked up by someone who " doesn't have access to the account '' that tells me that account is blocked but not able to see why, and informs me they are going to transfer me to " security department '' - again after being on hold for over an hour the call does not get answered.
On friday XX/XX/18, after spending 2 hours on hold, I looked up the local branch address and drove there while I was still on hold. There was one desk and one person there who informed me they do not deal with personal accounts, only with corporate ones and I need to call customer service. After multiple hours on the phone and demanding to be connected to someone who can explain the reason for the block, I spoke with XXXX in security department who was helpful in sending me an email with request of information need to confirm my identity. I emailed requested information back yesterday monday XX/XX/18. Again, no call back or any communication from HSBC.
Today, my wife set her alarm for 30 minutes early to call early in the morning ( XXXX our local time ) because that is when I was told wait times are short. After being on hold for almost 90 minutes, XXXX from security department picked up the phone and said that they requested information from me but she can not tell her why the card is blocked until they received information. My wife told her that information was emailed yesterday, after that XXXX put her on hold and then came back to say that it was unacceptable because on the paystub copy ( for address verification ) I have blurred out my amounts and salary. My wife proceeded to say that we felt uncomfortable sharing any more financial information after not knowing why our card was blocked and already sharing SS number. XXXX said she can not help then. My wife asked if she can close the credit card account then, XXXX replied that " no, and it is not even your card ''. My wife said that she will get me on the line to speak directly with me to which XXXX replied - " Thank you for alling HSBC, good bye '' and hung up the phone. That is after being on hold for 90 minutes .... for multiple times.
And the scary part is, when I log in online, I am not able to make any payments on the card and it does not show minimum payment due and total payment due. I am worried that I will end up with late fees and interest rate. This is not how I handle my financial life. Myself and my wife have excellent credit score ( about 850 ), we pay off all credit card balance by the end of each month and have never ever come across such unacceptable customer service and security concern. I could have been traveling with this card and been stranded ... When I asked if someone could actually call ME back o explain and review the account, I was informed that they are " not able to call out ''.
I am at a loss of how to get this resolved after today 's hang-up. My trust has been violated and I WILL be closing this card as soon as I find out how.
I would appreciate this company 's unethical practices being examined. And really, I just want to be sure in my financial security.
Thank you
|
| 10/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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Web |
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Dear XXXX XXXX and CFPB representatives, I am submitting a complaint against HSBC because they are not only acting in an unfair and deceptive manner but they are also violating both state and federal laws that afford me certain consumer rights. It is my understanding that HSBC is presently violating FDCPA laws, CFPB laws and regulations, and California 's Homeowner Bill of Rights.
I submitted a complete Request for Mortgage Assistance ( RMA ) on Friday, XX/XX/XXXX, from HSBC to retain my home ( please see both fax confirmation attached as well as attached email confirmation from HSBC ) without knowing that I had a sale date placed on my file. My single point of contact ( XXXX XXXX ) informed me, through my authorized XXXX party, on Wednesday, XX/XX/XXXX, that a sale date for XX/XX/XXXX was placed on my file the same day ( XX/XX/XXXX ) that I requested mortgage assistance. XXXX XXXX conveyed that HSBC had not yet reviewed my RMA from XX/XX/XXXX to determine if it was complete or if additional documents were needed but that HSBC required 15 days from the date that my XXXX was processed by HSBC ( XXXX business hour typical turnaround ) in order for HSBC to review my XXXX, which was impossible to achieve. XXXX XXXX further stated that she reached out to me on Friday, XX/XX/XXXX, to advise me of the sale date but could not tell me when and stated that the internal tracking system at HSBC did not time stamp her attempt to contact me, which seems suspect at best.
THE SALE DATE OF XXXX COUPLED WITH HSBC 'S XXXX BUSINESS HOUR TURNAROUND MEANT THAT THERE WERE ONLY 13 DAYS MAX TO ADHERE TO HSBC 'S TIMEFRAME OF 15 DAYS? THAT IS IMPOSSIBLE TO ACHIEVE!
The interesting thing is that I submitted the RMA 16 days in advance of my sale date without even knowing that there was a sale date placed on my file or the timeframe in which I had to adhere to and as of today, I have still not received the required notices for a sale date from the foreclosure attorney, Western Reconveyance.
XXXX XXXX, my single point of contact at HSBC, was unfamiliar with the fact that my property was located in California and certainly was not familiar with the CA Homeowner Bill of Rights ( HBOR ), established on XX/XX/XXXX, that affords me relief from dual tracking by stating that, " Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification ... the foreclosure process is essentially paused until the complete application has been fully reviewed. '' I was informed that the CA HBOR affords me these rights even within the 15-day policy that HSBC has in place, even though I believe that I am in compliance. It is also my understanding that the CFPB has similar dual tracking protections that have been violated since I essentially submitted a complete package prior to being informed by HSBC that I had a sale date.
I am not asking for special treatment, I am just asking for the RMA that I submitted back on Friday, XX/XX/XXXX, be reviewed in full for mortgage assistance ( government and proprietary ) and that the sale date for XX/XX/XXXX, be put on hold to afford me the opportunity to seek mortgage assistance without my consumer rights being violated. I would also like to receive proper notice regarding any escalation in foreclosure since I have yet to receive any documentation alerting me to a sale date or further foreclosure actions and XXXX XXXX XXXX can not provide me with any information regarding this issue.
Thank you in advance for your assistance with this matter.
|
| 09/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I was initially contacted on Monday XX/XX/XXXX by a woman by the name of XXXX, she called and left a voicemail stating she was from process service dispatch. Her message was saying that there was a civil matter against me and it was in my best interest to call them immediately. Right before she hung up she said you have been notified. They also called my parents that are in their 70s and my oldest child who is XXXX years old telling them that I had a civil complaint against me and have me call them. The phone number they left was XXXX. When I called the number back a XXXX XXXX answered the phone, he informed me he was a director. I gave the case number XXXX ( this is the case # they left on my voicemail to reference ), that XXXX told me to reference. XXXX proceeded to tell me that a credit card of mine, XXXX XXXX credit card was charged off back in XX/XX/XXXX and that they were now moving forward with legal action unless I pay the full amount of {$4900.00}. He said if I paid today that they would give me a settlement of {$1900.00}. When I asked XXXX to tell me more about the account because it didnt sound familiar to me he got irritated, when I asked him to send me documentation he said he wasnt able to do that that they were going to go ahead and just serve me and move forward with legal action. I called him back two times and on the third phone call he was extremely rude to me and was just nasty, yelling at the top of his lungs at me, saying Im just trying to avoid paying a debt, XXXX also stated that they could seize all of my assets and property. I did some research and my ex husband and I did have a XXXX XXXX credit card together but that was back in XXXX and I pulled my credit report which doesnt show any charge off at all from anyone, my current credit score if XXXX. I received another phone call the next day from XXXX, the phone number he called from is, XXXX, I didnt answer the call and he left a voice voicemail stating that he wanted to give me another opportunity to take care of the debt I had or they would go ahead and he would serve me. He left his phone number, XXXX XXXX. The law office he stated he was with was unclear on todays voicemail, but I think it said XXXX XXXX XXXX XXXX, I searched this name and got an address at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( this is a XXXX store ). Again today, Friday, XX/XX/XXXX they called again, this time the woman that left the voicemail stated her name was XXXX, from process service dispatch, XXXX left the phone number of, XXXX. When I called them back again today, a woman answered the phone stating " litigation '' and then transferred me to XXXX again. I told him to stop calling me and my family that I knew this was a scam and he become very nasty saying horrible things to me, at that point, I hung up and don't intent on ever calling them back. I have the phone numbers blocked that I can block, however, their initial calls always come from " Unknown '' phone numbers. I did XXXX these phone numbers and I found several other people that had been scammed by these people and some that didn't fall for their scam, it is sad and frustrating that people have to deal with horrible humans that are criminals dressed up as legitimate professionals. Also, another thing that made me think these people are not legitimate is no one I spoke to ever stated " This is an attempt to collect a debt ''. Please investigate this and hopefully you can stop them, it is very upsetting and a huge waste of my time. Thank you for your time and consideration.
|
| 12/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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Please be apprised that XXXX XXXX/ HSBC Bank XXXX XXXX XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/XXXX, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. XXXX XXXX HSBC Bank proceeded to completely ignore my validation & continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You also failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent.
You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. XXXX I would also like to know why is there a Two-year payment history reporting for this account that is in collections, also why is the payment status reporting late 120 days? Both XXXX and XXXX re-aged this account, date opened was XXXX of XXXX, last payment XX/XX/XXXX & closed XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment is n/a & closed date XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment XX/XX/XXXX & date closed XX/XX/XXXX. This account was aged by 20 years by both XXXX XXXX XXXX & both bureaus are reporting false information on my credit report.
You are in violation continuing to report.
I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from both bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Thank you for your time * In this complaint accompanies proof of my certified receipt, Validation and my credit report.
|
| 05/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
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On XX/XX/2023 HSBC Bank decided to put my account under investigation or review and then suspend my account and put it up for closure for whatever reason I still do not know the reason they did this without my knowledge they did not correspond with me this information in any way not email not mail or text message or phone call. Only way that I found out is that I called to check into on a direct deposit that I get every month from social security disability insurance and I receive it on the XXXX of every month I called only XXXX of XX/XX/2023 and that's when I became aware of the problem. I then ask the representative that I talk to well if my account is suspended what happens to my deposit that's coming up on the XXXX and they said well it's only suspended for outgoing transactions nothing incoming we can receive it incoming we'll just hold it until our investigation is done in 60 days. I then began to tell the representative why did you all not tell me anything about this and they said that's how we do it no correspondence whatsoever it's for the safety of the investigation. And then the representative proceeded to tell me that most likely my account will be closed and I said that's not a problem whatever you all want I just want my money that's in my account and they said oh yes it's 60 days you can have it the 60 days has come and gone and they said they had to do an extension on this investigation I proceeded to tell them that I am on XXXX and those funds are my money that the United States government gives to me to survive and they said they do not care about any of that that they have to hold my money for another 60 days because of an investigation again extension even though that money that was deposited on the XXXX of XXXX had nothing to do with any investigation or anything I still have not received my money after the promises of direct deposit reversal back to SSA which never occurred which was a lie. The SSA told me they never received anything and that they have not seen anything from them HSBC Bank is obviously telling me something that is not true. I call every single day asking the representatives what's going on with my money and they act like they can not ask anyone or see from a supervisor or anything what's really going on they just want to keep my {$880.00}. I'm on XXXX I do not have the ability to work so I can't make up for this money I can't even ask the government for a help because they feel like I've already been paid. HSBC Bank has no reason to hold my money like this and they really act like they can do it without any recourse. I am a United States citizen I should be treated with respect and this is very disrespectful by doing this to a XXXX person holding my money makes no sense and lying about giving it to me and then they never do is even worse I have become in financial ruin lost my apartment and and become homeless because of this {$880.00} that they act like they don't want to give to me it's mine and it's my money the United States government gave it to me and they think that I've been paid because HSBC Bank has told them that I have I guess but they know that they're wrong for what they're doing I don't know if it's some kind of glitch or whatever but it doesn't seem like it I have recorded every phone call all 34 phone calls that I have given to this Bank all of them result in I am going to call you back after I get in contact with a person in that department and they never call back I need my money ASAP I'm in financial distress please help.
|
| 12/03/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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|
I am contacting the CFPB for help in trying to deal with my mortgage company, HSBC Mortgage Service Center. Please see the attached original mortgage note which shows this loan originated on XXXX/XXXX/XXXX with the original principal balance of {$410000.00} with a rate of 6.125 %. This was a full document loan with good credit. I had been promised a 5.875 % according to the attached commitment letter but at the time of closing, I was told the rate was locked at 6.125 %. As you can see on the HUD XXXX settlement statement, I was charged {$10000.00} to the broker and what I was informed well after the fact the broker also made the yield spread on the rate of {$7300.00} for a total of {$17000.00} on a rate and term refinance. The purpose of this loan was to combine the XXXX and XXXX liens which were both taken at the same time when the home was purchased. This loan also had PMI for being over 76 % LTV according to the disclosures so this should be considered a conventional loan. HSBC contacted me to modify my loan back in XXXX of XXXX reducing the rate from 6.125 % down to 5 % but was a step rate modification set to increase to 6 % XXXX and then to 6.125 % for the remaining 40 year term which was extended from 30 years. So this modification was raising my rate higher than it even was. And extending my term. The modified loan amount was {$400000.00} after including an unpaid principal balance of {$400000.00} making the new money amount only {$3400.00} which was just a little more than XXXX payment I was due as they told me to hold off paying that because the refinance was going through. At the closing, when I saw the rate would be increasing after 5 years, I was told not to worry, they will refinance or modify this loan before that happens when it is time to remove the PMI I was paying monthly.The reason my loan fell delinquent was because back in XXXX of XXXX, XXXX XXXX hit our area devastating many homes and leaving a wake of damage. Although the damages to my property was not severe compared to many, I still depleted my savings to remove a down tree across the driveway and repair the fence and roof. That same month due to the decline in business and damage to the offices, I had lost my XXXX job after 9 years with XXXX XXXX XXXX, which was a reduction in income of {$2400.00} a month. My monthly net income was nowhere near enough to cover my mortgage payment, let alone any of my other expenses. I was in shock after now having no savings and no additional income, I quickly applied for a loan modification which took several months for a decision to finally be made and I was declined. I was declined several times thereafter for different reasons from the value of the home to having too much debt when I have nothing on credit but my mortgage or not enough income which my income is at a 35 % ratio during the last review which is not out of range. The most recent denial was from XXXX/XXXX/XXXX stating I do not show sufficient income in addition to my monthly expenses. I was advised my monthly expenses were calculated to be much higher than they were and I was told it was due to accounts reporting to credit. I quickly pulled a tri-merge credit through XXXX and the only open credit account is this mortgage. There are no liens, no collections and no charge-offs or judgments. HSBC advised me to forward that credit and they will get back to me but never did and never addressed this. I was told I can just re-apply. I am now at the point I have been served with a foreclosure summons.
|
| 05/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
- UNITED STATES MINOR OUTLYING ISLANDS
- 301XX
|
Web |
|
|
I was solicited by your company XXXX XXXX XXXX XXXX, operating under the web address XXXX XXXX, XXXX ( XXXX and XXXX ) ... to wire funds to a false and fictitious trading account. You are part of a global network of cybercrime known as the XXXX XXXX XXXX XXXX XXXX XXXX. I have accessed your Internetbased platform available under ( XXXX and XXXX ) ... You did not 2 provide a contract ; however, the terms and conditions contained on the site are intended to govern the relationship and responsibilities of the parties. Therefore, all information on the website is relevant for determination of the services and the rights and obligations of the parties.
You claimed to be a financial services provider dealing with regulated financial products, such as CFDs, indices, binary options, commodities etc. In addition, the officers and employees of XXXX XXXX XXXX XXXX are presented as experienced brokers ( a designation that requires licensing ). Evidently, you are advertising and promoting yourself as a provider of financial services and are trying to influence third parties decisions to undertake financial commitments and to invest in the offered financial products. All these activities require you to possess the required licensing.
The website of XXXX XXXX, XXXX contains clear statements that your team consists of professional brokers. Persons claiming to be properly licensed brokers apparently contacted third parties and communicated with them the possibility of making an investment, which is strictly prohibited by the law where there is a lack of the appropriate license. Only a licensed broker can contact persons with the intention of advising them how to invest their money.
To be able to act as an investment intermediary, or broker, or similar i.e., in order to have the capacity to offer financial advice and to provide access to regulated financial products to third parties one has to be registered with the relevant supervisory authorities. It is the common rule that financial products such as CFDs, indices, binary options, stocks and commodities exist, are regulated, in most of the rest of the world, including in the United States ( where our client resides ) and in XXXX ( where your money services business is registered ).
Our investigation in the case has shown also that there are warnings from Government Regulatory Authorities for operating and providing financial services without having the proper required licensing.
You claimed to have the ability to trade regulated financial products. You provide a fictitious and malicious software which does not execute any trades and is not connected to any recognized exchanges. It is manipulated by your staff to exhibit your own desired figures. You have left a trail of victims who have fallen for this sophisticated and well-crafted scam and who have lost their entire life savings.
Acting in good faith and in full reliance on the website information, our client was instructed in writing by your staff to wire funds to your firm, XXXX XXXX XXXX XXXX, to an account at HSBC, XXXX.
Based upon the above facts, the following violations of law occurred : a ) You were trading regulated financial products without the required license ; and you employed persons that were providing financial services without required license.
b ) Neglect of your duty to actively prevent fraud and to identify abnormal payment patterns.
c ) Neglect by your firm of the legal provisions for measures against money laundering.
d ) Theft/fraud.
|
| 03/22/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
CONSUMER FINANCE PROTECTION BUREAU XX/XX/XXXX, Time:XXXX XXXX ET, I have Wired Transfer-International from my HSBC saving account to outgoing to bank account on oversea. Wire Transfer, Attached.
I have tried many ways and times to communicate with HSBC, I could not get information and from HSBC customer service Chat room,XXXX on XX/XX/XXXX at XXXX ET NY Time.
My Wire Transfer Fund did not reach to destinations after 4 days past.
I have many bad experienced with HSBC that is holding, blocking and transfering on Saving, Checking accounts.
I can not withdraw money from my DebitCard, use Creditcard account funds that is not transferring to anywhere.HSBC making very difficult on Internet Banking with database for XXXX XXXX reasons.My CreditCard is deactivated mistakenly by HSBC.I have filed a complaints with many problems on written letter of XX/XX/XXXX. Attached.
XX/XX/XXXX Case number : XXXX I have filed a complaint to Consumer Finance Protection Bureau. Because, I could not withdraw money with my DebitCard from account .HSBC did not International Banking business connections at XXXX.XXXX.
I am having many Banking problems with HSBC in present and past. I am frasturated customer and unfairly treated by HSBC.
I believed that HSBC violating Consumer Financial laws.
Sincerely, XXXX XXXX ATTACHMENTS : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Additional wire transfer details Confirmation Code : XXXX Date of Transfer : Debit Account : XX/XX/XXXX XXXX FOR TRANSFER AMOUNT AND FEE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX United States Description for your records : Purpose of payment debit entity : insurance, med, etc Purpose of payment credit entity : Personal Expenses Additional Recipient Info : Recipient Instructions : Additional Pick-up Location Information : Account No : XXXX Timestamp : XX/XX/XXXX XXXX XXXX ET RESTRICTED XXXX Rev : XX/XX/XXXX Routing ID : XXXX Routing No : XXXX Group Bank : XXXX.
Transfer Amount : Other Fees ( Est. ) : Total to Recipient ( Est. ) : Recipient may receive less due to fees charged by bank and foreign taxes.
{$60000.00} - {$10.00} {$59000.00} {$60000.00} + {$35.00} Not Applicable {$60000.00} the recipients -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To : XXXX XX/XX/XXXX at XXXX XXXX HSBCHEAD OF CUSTOMER RELATIONS URGENT XXXX XXXX XXXX, Vice President I had a dispute on my Creditcard account that is been resolved by Hsbc customer relation manager XXXX XXXX XXXX.In the mean timeI can not use my Creditcard, I found out my Creditcard account was closed. I do not understand it.
why Creditcard account closed.I have not requested.
Today I called Hsbc Customer service ( XXXX ) try to get a new Creditcard.
They told me.We can not get you new Creditcard, because you are in XXXX.
You have came to USA to get it.
This is not exceptable.I can not use personal Hsbc financial account without Creditcard.
I am desperate and need aNew Hsbc Creditcard.
I am also having many problems with Debitcard on ATM at Hsbc XXXX-XXXX.
I can not withdrawDollars and only allowmaximum XXXX TL ( XXXX $ ) at ATM.
I opened a complaints on Hsbc bank mail. Customer service can not answer and resolve the problems.
Hsbc account database have problems with bill payment, transfer, wire..so many problems.
I very unhappy with HSBC Bank.
Sincerely XXXX XXXX
|
| 04/25/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I need the lien removed off of our vehicle that has been paid off since 2006. HSBC states they do n't have record and your dmv said XXXX would release lien. XXXX states they do n't have the record because its too old. There is XXXX complaints regarding the same issue that HSBC did to others. And over XXXX complaints altogether regarding their illegal company. I need your help getting this taken care of. I have also paid in full the title to be sent. I have multiple email from dmv telling me that hsbc has to sign removal of lien but they wont ever return phone call. They no longer have the records because its more than 14 years since I bought the car. Hsbc is very unprofessional company. Look them up under bbb and complaints on the internet. Please clear the lien so I can sell the car. I am trying to abide by the law but I can not if I cant get the title. I would greatly appreciate itHere is proof I have been told so many different rules and I have followed them all. I have been to dmv multiple times. I also want this company investigated for all the grief it has caused others and the money it has stolen from many.
Show ImagesChange this settingPhotos XXXX XXXX AllI do n't have the title and lien holder has closed down so how do I get a letter of lien? I appreciate you responding but that is not answering my original question.
Sent from my XXXX I do n't have the title and lien holder has closed down so how do I get a letter of lien? I appreciate you responding but that is not answering my original question.
Good afternoon XXXX, Thank you for contacting us. I hope you are having a nice day! If you are unable to obtain a release of lien letter and the lien is over 10 years old, please provide the following to the a local county tax office : Title Title application ( attached ) Statement of fact that states " lien has been paid and lienholder can not be located. '' {$33.00} title feeYou will leave the lienholder section blank on the title application.
XXXX County Tax OfficePhysical:XXXX XXXX XXXX XXXX Texas XXXX : XXXX O. XXXX XXXX XXXX, TX XXXX : ( XXXX ) XXXX : XXXXXXXXXXXX : http : //www.hctax.net/Please let us know if you have any questions. We are happy to help!
Sincerely, XXXX XXXX XXXX XXXX XXXX Division Customer Care Representativeemail : AskDMV@TxDMV.gov Phone : XXXX or XXXXWe love hearing from our customers and value your feedback. Click here to take a short survey.
Vehicle InformationVIN XXXXPlate Number : Subject & RecipientsMain Subject : MotoristsMotorists Recipient : AskDMV@TxDMV.govDealers Recipient : Motor Carriers Recipient : Consumer Protection Recipient : Media Inquiries Recipient : Feedback Recipient : Open Records Recipient : MessageI need to get title on this car. I have paid over XXXX for it and still no title. It was paid off almost 10 years ago. It is a XXXX. The lien holder states they do not have my account anymore and it is considered inactive. Can you please send me the title or tell me what to do to get it. I have printed the XXXX form out but not sure of what to put on lien holder because they are out of business. I paid car off and much more with interest. I see on the web that any car with a lien more than 10 years is dismissed and I am rightful owner.
I just need to sell car please.
Thanks, XXXX XXXX XXXX Good afternoon XXXX, Also bankruptcy was filed in XXXX last year and we owed nothing on it anyway but if they say we did it is under bankruptcy.
|
| 12/10/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I began using HSBC in XXXX when I opened a credit card and debit account. I had a great experience with them while I was a XXXX customer. Once I changed my account to a standard level ( because I was n't meeting the minimum dollar amount in the account ), many things began to go wrong. I was n't very happy with their services, their representatives were often giving me incorrect information, I would get different answers from different representatives etc. Nevertheless, I decided to only close my checking account but keep my credit card open and not use it since I did n't want it affecting my score by closing it. The last time I had used the card was around XXXX XXXX. It was n't until I received a statement in the mail for XXXX XXXX XXXX - XXXX XXXX XXXX ( see attached ) for {$22.00} for a purchase at " XXXX Web XXXX XXXX '', that I decided to close my final HSBC credit card account. I called HSBC asking first, why this charge was n't blocked ( I do not live in XXXX nor have I been there in the past year ), why it was n't detected as fraud, and why I was n't notified. While speaking on the phone, the representative proceeded to tell me she saw there were several attempted charges in the past two weeks in XXXX, and some at XXXX here in the XXXX. She asked me if any of them were me. I said no, I do not live there and I never shop at XXXX. I was concerned because no one had contacted me about the attempted use of the card in different locations. I asked her to please close to card for me over the phone. She told me it could n't be done because they had to investigate the {$22.00} charge first. Unhappily I agreed to wait. Instead of closing the account ( ending in XXXX ) permanently like I had asked her to, the representative decided to send me a new card with a new account ( ending in XXXX, opened end of XXXX XXXX ). One week later, they sent me some papers to fill out and send back to them regarding the fraud claim form ( see attached ) which I did. When I realized she had opened a new account for me I called and asked her to close it, again and instructed her not to reopen another card. After being hung up on, and transferred to different departments several times, I finally got someone on the line who was willing to close the account for me. I received a letter confirming that the account XXXX was closed permanently with no new accounts to be opened ( see attached ). While checking my account profile online, their website shows that I have XXXX accounts open : XXXX ending in XXXX, XXXX, and XXXX. After asking several representatives why they were showing online, no one could give me a straight answer, but they confirmed they were all closed. Just in case, I called different HSBC local branches to confirm that I had no existing accounts with the bank. All of this happened around the beginning of XXXX XXXX. Today I received a letter ( see attached ) in the mail stating that the investigation of the fraud is now complete, and the activity has been confirmed as unauthorized. The letter also says that a credit will be applied for {$22.00} to my NEW account ending in XXXX. At this point, I do n't know what else to do. I have been trying to close my HSBC credit card account for the past 3 months. I am concerned they are messing up my credit score and information. I want them delete all of my information from their databases and remove all accounts that are showing online. I want to know what is going on.
|
| 12/09/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
HSBC USA has charged $ XXXXmonth on Choice Checking Account of XXXX XXXX XXXX XXXX, Account no. XXXX for about 2 years at over {$300.00} without sending any type of notification or statement to me, the bank account holder. It was not found until XX/XX/XXXX, when I moved to WA and went to HSBC bank branch in XXXX, WA to request for change of address. I found the fee charged in my account and I am very upset. According to the HSBC staff, the fee was charged as the account did not reach the minimal balance requirement and the bank staff informed me that they could not help me to complain or wiave it. Once I was informed of the balance requirement, I transferred sufficient funds into the account to fulfill the balance requirement on the same day. My wife and I called HSBC hotline on XX/XX/XXXX at XXXX and complained to XXXX XXXX. Initially, we requested to talk to her manager, XXXX. However, she refused to escalate and we had no choice but informed her of our complaint for the unreasonable fees being charged in the US checking account. She was not helping me to resolve the complaint at all but making excuses trying to rationalize the charges and put all responsibility on me. The reason for my dispute are based on two key facts : 1. I have over 20 years of Premium banking relationship with HSBC, XXXX. In XXXX, I have opened HSBC US bank account in XXXX through the help of XXXX XXXX branch as I would like to apply for mortgage in US. However, HSBC US Bank failed to process the application on time for my house closing in US. Thus, we did not use HSBC for our US mortgage. After this incident, HSBC is never my key US banker. Most importantly, I have never been advised of the minimum balance requirement in HSBC US bank account ALL THESE YEARS. Service of HSBC bank is terrible!!!
2. The fee of $ XXXXmonth had been applied for over 20 months and I was never being notified. I was being told that this was due to the request for e-statement. However, I had never requested for e-statement. To me, it was an excuse for unreasonable charges and convenience for bank for not sending me statements or notifications on this fee. I am not a computer savvy person and always have the money to fulfill the minimum bank account balance in US if I would have noticed the requirement at the first place. I would not let HSBC charge me for over {$300.00} all along without taking any action. I was both shocked and frustrated to know that HSBC had charged over {$300.00} without sending any type of notification to me, no email or text. This is totally unacceptable!!! What is my right and protection as a HSBC bank account holder!!?
Based on the above two facts, I demand for an apology from HSBC US bank for the mishandling and all inconvenience caused on this matter. Most importantly, I demand the full refund on this unreasonable charges of over {$300.00} to my HSBC, US bank acount. HSBC should be fair to loyal customers like me and I should be fully informed of the bank account requirement and charges. Most importantly, I should be protected from unreasonable charges implied to my bank account. I hope that Consumer Finance Protection Bureau can help and protect my right as bank customers for charges we are not aware of and being notified. This is close to a scam and is TERRIBLE!!!
Thank you very much for your kind handling on this dispute!!!
Best XXXX XXXX XXXX XXXX Choice Checking Account Holder Account no. XXXX M : XXXX
|
| 05/04/2016 |
Yes |
- Money transfers
- International money transfer
|
|
|
Web |
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My husband had a contract in XXXX, on his way home he was stopped at the airport going through XXXX because he had more than {$10000.00}. His money and passport were confiscated until he paid the taxes and showed proof of how the money was obtained, as well as other requirements. Once the money was returned to him, he went to HSBC to inquire about opening an account so that the money ( {$70000.00} ) could be wired to the XXXX to avoid additional problems going through XXXX. They told him they could help and it would be better to open the account in my name. I filled out an HSBC XXXX application. At no time did they disclose there would be a fee to set up the account. After the money was converted to a check in my name, I was told, to complete the process there was a one time fee of {$980.00}, which I had no choice but to pay because the check was in my name : they could not give him the money back. Money was sent to banks attorney to complete the process. I was told the account would set up with HSBC 's corresponding bank XXXX. XXXX sent an email with login information and stated all questions and inquires were to be directed back to HSBC. The web address XXXX looked a little suspect. I logged on and changed the password. The page showed the account in my name, type of account and dollar amount of {$70000.00}. I tried to transfer the money but was redirected to a page requesting a XXXX number. Contacted HSBC who stated they would send a message to XXXX and they should be contacting me soon with the code. XXXX sent an email saying they noticed I had been trying to transfer the money but had not paid the authorization fee of {$3800.00}. Again the fee was not disclosed up front. I asked what were the procedures to reverse the transaction to give my husband his money back, I was told {$4300.00} ( {$3200.00} to attorney and {$1000.00} to HSBC ). I am locked out of the account until the {$3800.00} is paid. HSBC is holding my money hostage until I pay the authorization fee. HSBC supplies customers with the security device that generates security codes free of charge. XXXX will transfer money between XXXX accounts as a complimentary service to its clients, so why am I being asked to pay absorbent fees. Again none of the fees were disclosed to my husband prior to HSBC taking his money. They suggested putting the account in my name. since I was in the XXXX and not in XXXX, which took away his power and rights in regards to the money. My husband went into the bank and confronted the bank employee that took his money to let him know how he felt about what he did. He went back on XXXX XXXX XXXX time and XXXX XXXX XXXX time to request his money back and was locked up. I do n't know where he is or what 's going on.
The web address I was given to login for XXXX is not a legitimate XXXX website. The email addresses used for HSBC and XXXX employees are not official bank email accounts. HSBC employee told me if I did n't need the code I can just come get my money, like XXXX is right up the street. I asked for a bank address to come pick up the money, he provided an address of a HSBC branch in XXXX ; however the last part of the address was incorrect.
I have attached all email correspondence with HSBC, XXXX and the XXXX as well as screen shots.
This is extortion, fraud, wire/communication fraud just to name a few. The conduct of HSBC and XXXX are vile, contemptible, miserable, wretched and loathsome.
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| 11/10/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Application, originator, mortgage broker
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Web |
Older American |
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My husband XXXX XXXX. Their loan was with Beneficial in XXXX XXXX which closed their offices and moved to XXXX, XXXX. Their home was a tiny manufactured home on a acre with well and garage. XXXX and his Dad and neighbors built it 40 years ago. He raised XXXX kids with his wife, XXXX, there. He was getting bills from Beneficial and XXXX XXXX in XXXX, XXXX and other probably other servicers who were promising to " take care of their mortgage ''. Which means sell their home. I was the familys friend for over 30 years, but I did n't know their finances. I did know they always struggled to make ends meet. XXXX was the least expensive XXXX in town. He would work for free and XXXX no one else would. We dragged so many cars off XXXX and got the people ... often families to other states at the expensive of our run down vehicles. I should know, I helped people with broken cars get as far as XXXX. He deserves a chance to keep his home. Because XXXX passed and she was on loan ... I believe the new owners of the loan ( or servicerswhoever they are ) made sure the home sold online to XXXX. I faxed them the death certificate, affidavit of death and my power of attorney. I was told the place had to be sold ... it was in foreclosure in XXXX and I am now doing research on it. The debt and looming foreclosure killed XXXX and it almost killed XXXX. XXXX. We became engaged and married two years after XXXX passed in XX/XX/XXXX. XXXX said there was a life insurance policy from Benificial. The note was in XX/XX/XXXX for {$63000.00} and now he owes {$65000.00}, so I ' ; m thinking it 's one of those predatory loans made to steal your home. It was his primary residence ... a rundown mobile. I tried different avenues, HAMP program ..many times Save Your Home XXXX ... strange things began to happen which hampered our return to his land. I am going to send in the information on this loan that I received under separate cover. I am hoping you can do something about the illegal happenings concerning this transaction. I am certain the attorneys who work for the parties involved will admit to no wrongdoing ... especially because the loan was so small. We are small town people who never made big money here..we also trust people to do the right thing. I complained that my dispersal of my mobile home loan was wrong ... enough to make it impossible for me to get a permit to live there. A nice man meet me at a government office where I went to complain and told me the young men involved ( XXXX-XXXX ) were too young to go to jail. Well, now that we 've suffered financially from all these young people who have acted like vultures with us elders and been thrown out of our primary residence for their financial gains ... I will tell them ... we are too old to sleep in motels, hotels and outside. We have no interest in assisted care ... we would like to enjoy our retirement without going bankrupt and having huge debt. We help elders who live outside because they do not trust anyone. No attorney can know the personal XXXX one goes through when an XXXX loses his tiny piece of land he 's put all his labor into. I scored well in XXXX XXXX and my parents were XXXX. I know XXXX and I had our tiny pieces of land stolen and we 're going to make sure it does n't happen to other folks. Since we are XXXX, XXXX and poor ... .we are the perfect target for these greedy paper pushers ... brokers banks and servicers. When will it ever end?
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| 02/14/2017 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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I received a voice message from an unidentified caller from an unknown phone number regarding potential legal action. I was going to ignore the message until my father notified me that he too was called on his mobile phone regarding this potential action.
I called the phone number left in the voicemail and identified myself by the case number given along with verifying my name and address.
I was informed that this was an attempt to collect a debt for an XXXXOrchard Bank Mastercard ending in XXXX. Not immediately being familiar with the account, I asked to be provided with a statement or additional documentation. The representative claimed that I was sent a notice 45 days ago and asked why I did n't respond .... I never received any correspondence regarding this alleged debt. When I again pressed for written documentation, I was told that I could only receive it during a court proceeding, so would I like to be served? I said sure and she said " see you in court '' before hanging up.
After the call I found information on the account - a welcome email from Orchard Bank and a Closed Satisfactory Account on my XXXX credit report.
Not only was this account properly closed, but it was in XXXX. Orchard Bank ceased to exist in XX/XX/XXXX when Capital One purchased their accounts.
Under the California XXXX XXXX Title XXXX - Fair Debt Buying Practices, this debt would be time-barred since it is well past the four ( 4 ) years of statute of limitations : XXXX ( d ) ( XXXX ) A debt buyer shall include with its first written communication with the debtor in no smaller than XXXX type, a separate prominent notice that provides : " You may request records showing the following : ( XXXX ) that [ insert name of debt buyer ] has the right to seek collection of the debt ; ( XXXX ) the debt balance, including an explanation of any interest charges and additional fees ; XXXX XXXX ) the date of default or the date of the last payment ; XXXX XXXX ) the name of the charge-off creditor and the account number associated with the debt ; XXXX XXXX ) the name and last known address of the debtor as it appeared in the charge-off creditor 's or debt buyer 's records prior to the sale of the debt, as appropriate ; and XXXX XXXX ) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt.
" A request for these records may be addressed to : [ insert debt buyer 's active mailing address and email address, if applicable ]. '' ( XXXX ) When collecting on a time-barred debt where the debt is not past the date for obsolescence provided for in XXXX XXXX XXXX a ) of the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. XXXX ) : " The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, [ insert name of debt buyer ] may [ continue to ] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. '' ( XXXX ) When collecting on a time-barred debt where the debt is past the date for obsolescence provided for in XXXX XXXX XXXX a ) of the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681c ) : " The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency. ''
|
| 03/25/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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In XXXX I applied and was approved for my first credit card/line of credit which was issued by Household Bank on behalf of XXXX XXXX. After receiving the card in the mail I activated the card via the automated system and was surprised that my balance was far less than the actual approved limit. When I called customer service, they informed me that there was an annual fee and an activation fee which was automatically taken from the available balance when I activated the card. I was very unhappy with this information and was NEVER advised of this when I applied for the card. I instructed the credit card representative to cancel out the card account, as I was not willing to pay nearly half of the available credit limit before I had even used the card. I cut the card up and never used it, but was soon receiving notices that the account had not been closed and was delinquent. I realize now how these kinds of things can affect my credit history, but at that point I had no clue about how credit worked. I figured after a few years passed I would be cleared of this obligation due to the statute of limitations. Unfortunately, it appears that the debt was sold multiple times ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX ). The current collector who purchased the paper on this debt on XXXX/XXXX/XXXX was granted a judgment on XXXX, XXXX XXXX in the amount of {$1400.00}. The documents filed with the court indicated that my brother, XXXX XXXX, had been served a Summons for me to appear in court on XXXX/XXXX/XXXX. I challenge the legality of that Summons as my brother was XXXX XXXX, in XXXX XXXX that entire week on high dosage of XXXX and passed away 2 days later on XXXX/XXXX/XXXX. I never received that Summons or had any clue there was a judgment hearing pending against me. Fast forward to XXXX XXXX and the creditor sent me a request for interrogatories. Since I had not ever received any notice of this judgment until that time, I assumed that the statute of limitations had already expired on the old XXXX XXXX account. At any rate, I filled out the interrogatories and sent them back to the creditor and thought I would hear something back with next steps from whoever was requesting that information. Instead a Notice to XXXX XXXX for Revival of Judgment was approved by the court on XXXX/XXXX/XXXX and I was not notified of that court decision until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, my employer sent me notification that the court had again granted a judgment against me on XXXX/XXXX/XXXX. I was completely shocked, as I had never received ANY summons to appear in court which I thought was legally required. This whole process has been confusing and it seems extremely underhanded to serve a mentally XXXX person near death and never personally serve me at any point with a Summons to appear in court. I have grown a lot personally since XXXX and now realize how important it is to pay all creditors on time. I know I did n't handle the XXXX XXXX account properly initially and have no problem taking responsibility to paying an agreed amount to the original creditor. However, it seems predatory and fraudulent that the original debt could not have been for more than {$350.00} and now a creditor has been granted permission to garnish my wages for {$8600.00}. Please help me sort through the legality of this situation. Thank you in advance for your careful consideration in this matter.
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| 09/19/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
Older American |
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Re : XXXX v HSBC Bank Case # XXXX Presiding : Judge XXXX This dispute comes from failure to to pay out proceeds from a class action and Iam requesting your assistance in recovering proceeds that was never received from the administrators of this class action which was ordered by Judge XXXX in XX/XX/XXXX.
After hurricanes Wilma and Katrina the roof of our Florida home was damaged. We attempted to claim via our insurance to replace our roof and complete interior repairs from water damage.
Unfortunately, we lost our insurance held with XXXX and were issued a forced insurance plan by HSBC Bank which made the repayment of our mortgage impossible to maintain.
On XX/XX/XXXX we were issued with a Writ of Possession and lost our home to foreclosure in XX/XX/XXXX.
I became a party to the XXXX v HSBC class action claim and in XX/XX/XXXX the defendant was ordered to pay us an award of {$7600.00}.
I never received the award and it has been impossible to communicate with the any one with the the contact numbers given. We were constantly advised it would be sent to us by mail. My partner suffered a XXXX in XX/XX/XXXX and circumstances took us away from this issue. In XX/XX/XXXX I attempted on numerous occasions to contact the numbers we had been given for the administrators of the fund but only received a voice message in return.
On XX/XX/XXXX I received in our mail box an envelope containing a check ; it was the check I had been promised back in XX/XX/XXXX. We were over the moon as situations were not so good financially since my partners XXXX. I persented the check to my bank who pointed out that the check was void. But how can this be we asked, the check although was written for XX/XX/XXXX did not arrive to us until XX/XX/XXXX my bank although sympathetic could not move forward with the deposit.
In XX/XX/XXXX I contacted the USA claims administrator number which were listed as c/o XXXX XXXX XXXX XXXX and received a voice mail. I contacted the courts by sending a letter to XXXX XXXX to get advice as to who to contact regarding the check because thus far no one could help. I contacted one of the law firms working on behalf of the defendant and they gave me the name of the law firm who where handling the administration for the Plaintiffs. Unfortunately they could not help but explained to us that the proceeds of our claim were in the hands of XXXX XXXX XXXX who are the defendants bank and is lodged as unclaimed. I tried on numerous occasions to track down the person or department handling such matters but got no recourse.
I am so upset that HSBC Bank and XXXX XXXX XXXX has not re issued my check. It has been of no fault of my own that the check was received late and it is now void but how can this bank hold our money and refuse to reissue us a check. XXXX XXXX XXXX did not earn this money and HSBC Bank have been ordered to pay me out of the class action case that we won. We lost our home and every cent that we invested into it and we believe that the heart and ill health and pain suffered we deserves every cent that we are owed. We have down sized our home as we enter retirement and pray you may be able to help.
I am asking if there is any assistance you could give to force XXXX XXXX XXXXXXXX to honor the pay out of our claim due to the unfortunate chain of event. I am prepare to take legal counsel for this claim to be re opened in the XXXX, Florida civil court.
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| 07/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Please reference previous CFPB Complaint XXXX. The response to this complaint was from A # 1 Movers who I never contracted with, nor did I ever sign any documents or agreements with them. This was fraud and I have obtained a Default Judgement in the amount of {$4200.00} against A # 1 XXXX and XXXX XXXX ( see attached Default Judgement ).
Complaint : I entered a contract with XXXX XXXX for 4 movers and 1 truck/s, at $ XXXX and a {$100.00} deposit nonrefundable to move me from XXXX XXXX XXXX, XXXX XXXX TX XXXX to XXXX XXXX XXXX XXXX on XX/XX/21 XXXX
Before my move date, I received a call asking if I minded multiple trips. I specifically said I do not want multiple trips. On XX/XX/21, 4 movers came with a surprisingly small truck and began moving at XXXX. The truck did not have a lift in the back to assist with getting the refrigerator, heavy XXXX XXXX XXXX and my 75-inch Sony TV in the truck. Around lunch time they told me the truck was full and they needed to make an additional trip.
Before delivering the 1st load to XXXX XXXX XXXX XXXX, the 4-men crew stopped for lunch. They were gone for XXXX hours. The 4th person never returned. My contract stated 4 men and a truck at $ XXXX. They unloaded the first load and then XXXX men and myself returned to XXXX XXXX XXXX, XXXX TX to finish loading the large items such as the heavy XXXX XXXX XXXX, the 75 inch Sony TV, the refrigerator and a handful of other inventory items. The 3rd man stayed at XXXX XXXX XXXX XXXX to begin assembling the beds. The 4th man never returned to the job.
The 3 men delivered the final items. After a full inspection I realized : 1. I was missing a large decorative vase that went with two others ( Exhibit A ). I have a bad hip and was not able to go onto the truck and inspect it before they left to see what had been left there.
2. My Sony 75-inch TV was shattered ( Exhibit B ). The men did not wrap it, nor did they put the blankets on it when they loaded it. All they could say was XXXX we have another job to go to after this one.
3. My XXXX XXXX XXXX was so damaged that I could not even open it ( Exhibit C ).
4. There were scratches and dents on my XXXX XXXX XXXXr ( Exhibit D, E and F ).
5. There were scratches on my dining room table ( Exhibit G and H ).
The damages noted above exceed the moving costs I paid, of a {$100.00} deposit paid on XX/XX/21 and {$1600.00} on XX/XX/21 ( XXXX paid {$1700.00} ). I am disputing all moving charges paid through my credit card company HSBC. I will be filing numerous online social media complaints and a XXXX XXXX XXXX Complaint against XXXX XXXX Company for your Gross Negligence and Breach of Contract.
When I file a complaint against HSBC, XXXX XXXX XXXX XXXXXXXX responded and produced documents that I had never seen nor signed. I NEVER contracted with A # XXXX Movers and did not even know they existed. I called the HSBC Fraud Dept. and complained, and they provided a temporary credit in the amount of {$1600.00}. HSBC then reversed the credit and charged me back.
I sued both XXXX XXXX and XXXX XXXX XXXX XXXX and won a default judgement against them ( see Default Judgement Cause No. XXXX ) in the amount of {$4200.00} including court costs. I am now asking HSBC to credit me back the {$1600.00} and the {$100.00} deposit based on the judgement against them I have proven in the Justice of the Peace Court -Precinct 1.
|
| 05/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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XX/XX/XXXX - Messages were left for me on my voicemail regarding a legal action including the filing of a lawsuit and a complaint with the court for possible pending actions filed against me. They included a phone number and a file number. They also called my fathers law office, stating that I had requested legal documents that had been undeliverable, with the same name, phone, and case number. I contacted them and was told that a credit card I had opened in XX/XX/XXXX was in question, for an amount over {$2000.00}, and that the legal department had sent a packet with a settlement amount and details about what would happen should I NOT pay that settlement amount ( they would take me to court ). The address they had I have not lived at in 14 years, so I was put on hold to " discuss with the attorneys '' if I could have an extension since I hadn't received any paperwork. " The attorneys '' said yes, but I had to pay {$800.00} today if I didn't want them to take me to court. I don't remember ever having this credit card, and felt really upset about having to settle TODAY. I asked for paperwork containing my signatures, account info, etc., and was told that the collection agency did NOT have that information, it would be my attorney 's job to request in the discovery phase of the court case, which would come down on me hard and fast if I didn't pay today. They would, however, send me an email with the creditors and the collection agency 's information. The refusal to share any kind of paperwork or get me in touch with the financial institution itself were cause for concern. I told XXXX that I would need some time today to think about it, and was shockingly told I had 30 minutes or the offer was invalid. I told her I'd call back upon receiving the email, which had basically ZERO information about the creditor or the collection agency. It did provide an address but I was unable to validate that or the company name. I decided to take matters into my own hands and I called the creditor ( a banking financial institution ) and was told that the account number I had been provided was not one of theirs, nor could they find my name or social security number in any of their files. Moreover, they wouldn't have waited 14 years to attempt to resolve. Guys, I almost fell for it. Of COURSE I'd rather pay {$800.00} than go to court, have that on my record, and pay over {$2000.00} plus attorney fees! The tone the agent got with me when I started asking questions was shocking - very rude and defensive. She kept telling me " It is not my job to provide you with anything. It is my job to collect on behalf of my client, if you want to go to court, I don't care. You now have 23 minutes to make your decision. '' etc etc.
Further, they had my name listed incorrectly, told my father on the phone that they were from XXXX XXXX XXXX trying to deliver a package and requesting my address, but never mentioned anything about that to me.
The agency information on the email they sent me : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. Phone : XXXX The phone calls I received were from UKNOWN and the call back number was : XXXX. Messages were from a XXXX but XXXX XXXX is who I spoke to.
The creditor I was accused of having was : HSBC.
I have screenshots of everything as well as the letter I was sent, the voicemail, etc., that I am happy to provide.
|
| 01/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I received the following e-mail regarding a " delinquent '' account for my mother who has been deceased since XX/XX/XXXX and who was in a care home with XXXX for 5 years prior to that. The address on the account is one she has not lived at for more than 8 years. Thus, this is an impossible debt in the first place and second, if there were a legitimate claim they should have made it before the estate closed.
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Your statement is available for HSBC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX is a debt collector.
We are trying to collect a debt that you owe on your HSBC XXXX XXXX XXXX account to XXXX XXXX. We will use any information you give us to help collect the debt.
Our information shows : Your Account is now owned by XXXX XXXX from HSBC XXXX XXXX XXXX with account number : XXXX As of XX/XX/XXXX you owe : {$5800.00} You do have the option to settle or you can click on our portal link and customize a payment plan that fits your financial needs.
The information that you'll need to create an account and view your information is as follows : Reference Number : XXXX Last name : XXXX View your account through our online portal : XXXX XXXX XXXX Portal If you have never logged into our website before then please click here to create a new account : New Account Registration Contact us by phone : XXXX To Unsubscribe from further emails please click here : Unsubscribe Federal law requires we notify this is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View your Account Unsubscribe Unsubscribe Cancelar la XXXX How can you dispute the debt?
Call or write us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct.
If you write us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX What else can you do?
Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we must stop collection until we send you that information. You may use the form below or write us without the form. We accept such request electronically at XXXX Go to XXXX to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you.
Contact us about our payment options.
Pngase en contacto con nosotros para solicitar una copia de este formulario en espanl.
________________________________________ Disclaimer : The information in this email is sensitive information intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
|
| 10/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I am writing to complain against HSBC Bank USA, N.A. The bank is not protecting their customers from unauthorized charges. I reported unauthorized charges on my HSBC credit that occurred fromXX/XX/XXXX to XXXX XXXX, XXXX statement. I called in on XXXX XXXX, XXXX to dispute total of XXXX unauthorized charges. Here are the details : 1. XXXX/XXXX/XXXX XXXX XXXX {$34.00} 2. XXXX/XXXX/XXXX XXXX {$4.00} 3. XXXX/XXXX/XXXX XXXX XXXX XXXX {$3.00} 4. XXXX/XXXX/XXXX XXXX {$85.00} XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX {$89.00}.
HSBC 's fraud department canceled my old card & replaced with a new one. They mailed me a form to file out to declare and confirm that I have no knowledge about those charges. I signed & mailed in back on XXXX/XXXX/XXXX. They gave four adjustments on XXXX/XXXX/XXXX, but missing XXXX XXXX {$34.00}. On XXXX/XXXX/XXXX, those 4 disputed charges added back to my new credit card statement, which is why I called HSBC credit card billing department on XXXX/XXXX/XXXX to inquire.
The representative who answered told me I need to talk to the billing adjustment department but the department was closed. I was told the billing department closes at XXXX Monday to Friday. I called again on XXXX/XXXX/XXXX at around XXXX but was told that the billing adjustment department was closed and their hours are from XXXX to XXXX. I called again on XXXX/XXXX/XXXX at around XXXX and I was finally transferred to billing adjustment. I ended up being transferred to the fraud department.
The representative XXXX XXXX XXXX at the fraud department told me that the merchant have my name, my phone, and my address, the products were shipped to my home. I told him that I did n't order anything from those merchants, and did n't receive any shipment. I told him, if he looked at those charges, first try was a few dollars, then charges more two weeks later like a scam. I also told him that with the recent data breaches by XXXX and XXXX, my info might have be stolen. He was not willing to help, he asked to prove that I didnt do business with those merchants. I told him there 's no proof since I DO NOT know those merchants, and the form I signed already stated that I have no knowledge about those charges. He just kept going on but would not assist me on this serious matter. The representative XXXX XXXX XXXX was rude, talked over me, interrupted me. His tone and manner made me felt I was a liar deeply hurting my feeling as a customer. I asked for his name, he spelled to me as XXXX XXXX from the fraud investigation department. I called back on XXXX/XXXX/XXXX and was told investigation closed and I cant dispute again. I asked the agent I want to make a complain about XXXX XXXX XXXX, the agent was like " we do n't have anyone named XXXX XXXX, usually it 's all XXXX names from fraud investigation department. I am wondering even fraudulent name is used within HSBC. Maybe hes the one that stole my info and that 's why he 's so rude over the phone if the idea can be entertained a bit. The agent said she saw the notes on my account and knew whom I spoke to but refused to provide me with his name. She said would file the complain report sent to her manager and will get back to me in 4 days and yet no one contacted me after I patiently waited four days.
Thank you for your time and utmost attention to this complaint.
|
| 06/27/2016 |
Yes |
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Web |
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I have an issue with my HSBC Platinum Master Card that HSBC has been unable to assist me with. I have n't received my statements since I had paid my last bill of {$730.00} in XX/XX/XXXX. I discovered this when my XXXX XXXX account showed a score reduction on my credit reports. Immediately I contacted customer service to let them know why I had not paid my bill of {$28.00} from what would have been my XX/XX/XXXX statement. Had I known about this, even the next month it would have been immediately rectified. After all who would run up {$63.00} in fees on a {$28.00} bill for spark plugs. While speaking with customer service representative XXXX XXXX, he was eventually able to credit me for XXXX late fee. I insisted on having both credited since this was due to not receiving any statements, and the fact that I have been a loyal HSBC customer with XXXX derogatory information on my accounts for over 11 years. Four of which with this credit card. He then looked further into the matter and advised me that in XX/XX/XXXX I had signed up for paperless statements. I told him that was a mistake, since I do not do any of my banking through the paperless option because it is harder to keep track of. He insisted that it is impossible that I did not request this option and that nothing could be done to assist me any further with the XXXX late fee or with correcting my credit report.
At my insistence he connected me to a supervisor, XXXX XXXX who after a long discussion agreed to remove the XXXX late fee but refused to address my problem with the credit report. He also was very insistent on making me state that it had to be my fault that paperless was selected and that there was no way any kind of error could have happened. I still stand by my initial assertion that I did not willfully and knowingly sign up for paperless statements which is why further escalated my complaint to HSBC 's executive customer relations department. XXXX XXXX ( XXXX, XXXXXXXXXXXX ) looked into the matter and stated that I had made a payment and selected paperless statements on XXXX/XXXX/16. He further stated that since it was not a bank error there was nothing they can do as per their policy that has been in effect for over 10 years. From my limited internet research I have noticed this is not true, as others have reported getting good will adjustments with repeated complaints to HSBC.
I was hoping that you may be able to assist mediating this matter with HSBC. This XXXX past due incident has reduced my credit score from being in the excellent range to good, possibly affecting my ability to secure a favorable rate for auto and home loans. There have been no past due/late payments ever until this one on my credit report due to the error or being enrolled into online paperless statements. I 'm curious to whether or not there are others who have faced the same predicament by unknowingly or unwittingly being enrolled into online banking and not receiving a paper statement. I find it funny that I have since received a paper statement from HSBC, which XXXX XXXX states automatically happens when an account is past due. I 'm worried that this may be a predatory scheme where HSBC uses these tactics to increase profits by charging late fees and interest on accounts that only wind up past due because of paperless statement enrollment.
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| 03/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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ON MONDAY, XX/XX/XXXX, A DAY AND A WEEK FROM MY SCHEDULED XXXX, THESE CORRUPT BEINGS AT HSBC HAD ME ARRESTED AND THROWN IN JAIL SIMPLY BECAUSE I FAILED TO APPEAR IN COURT ON XXXX XXXX WHICH I HAD NO KNOWLEDGE BECAUSE OF ERRONEOUS INFORMATION ON THE COURT DOCUMENTS. THIS WAS DESIGNED FOR ME TO MISS SO THAT THESE BEINGS CAN ORDER A BODY ATTACHMENT WHICH AUTOMATICALLY MEANS XXXX IS ARRESTED IF XXXX FAILS TO APPEAR IN COURT AS ORDERED. I HAD TO RESCHEDULE THE XXXX SURE APPOINTMENT AND THUS MY SOURCE OF INCOME ON THAT DAY AND I HAD ALSO PLANNED TO CONTACT XXXX TO SCHEDULE A TYPE AND CROSS I NEEDED TO HAVE DONE BEFORE MY XX/XX/XXXX XXXX. I TRIED TO EXPLAIN THIS TO THOSE AT THE JAIL BUT THEY WOULD NEVER LET ME GET TO MY BAG WHICH THEY HAVE CONFISCATED TO GET ALL OF MY INFORMATION INCLUDING PHONE NUMBERS. THESE BEINGS AT HSBC KNOW OF MY MEDICAL ISSUES MUCH OF WHICH IS THE REASON FOR MY INCOME LOSS AND THAT I AM IN THE PROCESS OF TRYING TO GET APPROVED FOR XXXX BENEFITS THAT WOULD GREATLY HELP ME FINANCIALLY AND YET THEY STILL FORCED THIS HORRIBLE SITUATION ON ME WHICH ONLY WORSEN MY FINANCES AND MEDICAL CONDITIONS. THEY HAVE ABSOLUTELY VIOLATED MY CIVIL RIGHTS AND DESTROYED ME MENTALLY AND EMOTIONALLY! I HAVE HAD TO BORROW {$2000.00} THE AMOUNT OF THE BOUND FROM MY DAUGHTER WHO MAKES A MODEST LIVING AS A XXXX. IN XXXX XXXX, TX. I HAVE ABSOLUTELY NO ONE ELSE CLOSER THAN THAT I COULD TURN TO FOR HELP INCLUDING LEGAL PROTECTION EXCEPT MY XXXX LAWYER WHOM I PLAN TO INFORM THEM OF THIS SATANIC ACT TOMORROW, XXXX XXXX. AND THEY KNOW THIS ... THEY KNOW I AM ALL ALONE IN THIS FIGHT TO SAVE A HOME THEY WILL ONLY LET DROP IN VALUE ONCE I AM FORCED OUT! I HAVE HAD TO SPEND AN ENTIRE WEEK IN JAIL WITH WOMEN, ALBEIT DECENT IN THEIR TREATMENT OF ME, HAVE COMMITTED FAR MORE SERIOUS CRIMES SUCH AS DRUG POSSESSION AND AUTO THEFT. I WAS EVEN GIVEN A CHANGE OF UNDERWEAR..JUST XXXX PAIR OF PATTIES THAT WE WERE TO WASH PUT EVERY NIGHT! THE FOOD WAS SUBSTANDARD AND ALL WE WERE GIVEN TO DRINK WAS RANCID TASTING TEA AND MILK TO WHICH I AM INTOLERANT ; WATER IS WHAT I NEEDED TO KEEP FROM BEING DEHYDRATED WHICH IN TURN HELP PREVENT XXXX IN XX/XX/XXXX AND WHICH MY XXXX COULD CAUSE AGAIN ANY TIME. BY THURSDAY, MY XXXX I COULD BARELY FIT THE SHOES I WAS GIVEN IN JAIL AND EVEN OTHER WOMEN NOTICED IT. BY THE TIME I FINALLY WAS RELEASED AS I WAS GIVEN THE OPTION TO BAIL OUT FOR {$230.00} WHICH THEY ONLY OFFERED AFTER MY DAUGHTER SENT THE MONEY ORDERS TOTALING {$2000.00} WHICH THEY GOT ON WEDNESDAY BUT STILL WOULD NOT RELEASE ME UNTIL THE MONEY ORDERS CLEARED THE BANK WHICH I DO NOT UNDERSTAND AS MO 'S ARE AS GOOD AS CASH! WHEN I BAILED OUT ON FRIDAY XXXX XXXX, IT WAS LATE AT NIGH AND I HAD TO WALK FROM THE JAIL SINCE NO CABS WERE AVAILABLE AND STOP AT A BAR WHERE I COULD CALL AND CAB AND GET MONEY AS THEY TOOK MY CASH AND PUT IT IN SOME TRUST FUNDS FOR INMATES WHEN THEY CONFISCATED EVERYTHING. IT WAS COLD AND ALL I HAD WAS A JACKET WHEN I WAS ARRESTED AND XXXX AS A RESULT OF THIS SATANIC ARREST BY A BUNCH OF BULLIES WHO SEEM TO HAVE NOTHING BETTER TO DO THAN TO HARASSED SOMEONE INTO XXXX AS I THOUGHT ABOUT DOING WHILE IN JAIL ( XXXX ) AND SEEM UTTERLY INPATIENT IN ALLOWING THIS MODIFICATION PROCESS TO RUN ITS COURSE AND STOP FINDING EXCUSES NOT TO WORK ON THE APPLICATION IT IS THE FAULT OF HSBC/ XXXX MORTGAGE CORPORATION!
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| 04/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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Re : Claim for repayment of unwarranted expenses which occurred during my mortgage refinance XXXX **Players and Background : ** HSBC, XXXX XXXX XXXX ( XXXX ), and a certain party dba 'Mortgage Family, ' provided a mortgage refinance for me, paying off and consolidating my XXXX residential mortgages ( XXXX of the mortgages was with HSBC and the other with XXXX. ) In the process, XXXX disturbing issues arose out of fraud, negligence, or human error, which caused me avoidable expense, wasted time, and aggravation. I point out XXXX issues below.
**Issue I : Payoff Refused by XXXX Under False Pretenses** XXXX repeatedly claimed to have made a property tax payment on my behalf on XXXX XXXX which was not in fact made until XXXX XXXX according to XXXX XXXX ( XXXX DOF ). XXXX used this false claim as justification for XXXX to refuse to accept a payoff payment from HSBC on XXXX XXXX in the amount and on the date that XXXX itself had laid out in its payoff letter to HSBC dated XXXX XXXX, for my mortgage.
Rather than XXXX accepting the payment on XX/XX/XXXX, XXXX held my money for a week, demanded additional interest and fees from me, which were paid on XX/XX/XXXX by HSBC and me, in full under duress just to stop the clock. Instead XXXX should have accepted the payment on XX/XX/XXXX and dropped its false claim that the payoff payment was insufficient due to XXXX 's XXXX XXXX tax payment, a claim that seems fictitious, wrong, or perhaps intramural and should have been reversed.
**Issue II : Negligence in Informing Me and in Taking Timely Action to Address** As sketched above, HSBC/XXXX wired payoff payment to XXXX on XXXX XXXX. The first I learned of any issue with the disbursal was in response to my email to XXXX on XXXX XXXX. Neither HSBC/XXXX nor XXXX notified me of the week long delay. The negligence I would argue goes against a duty of both parties to inform me -- which neither side did.
**Issue III : HSBC Illegally Closed with a Higher Interest Rate than the Agreed, Locked Rate** HSBC 's salesperson XXXX XXXX confirmed that I locked the interest rate at 3.819 %. This was then documented in HSBC 's Loan Estimate dated XXXX XXXX, XXXX, showing the agreed rate and that it was locked. The Loan Estimate further reads that " your interest rate ... can change unless you lock the interest rate. '' [ Italics mine. ] The rest of the Loan Estimate had major mistakes that I pointed out in an email the same day.
HSBC issued a new Loan Estimate dated XXXX XXXX, XXXX, correcting the portions stating that I needed " {$330000.00} cash to close '' and that I was paying off " {>= $1,000,000} '' rather than the the actual {$870000.00} that had in fact been discussed.
I failed to notice at that time that the locked interest rate had been changed to a new rate of 3.828 - and there was no notice to me and no discussion of a change. Unfortunately I did n't notice that change until after we closed. When I raised this with XXXX XXXX and with the Loan Processor XXXX XXXX, they both stated that it was in fact not a mistake but rather that the locked rate can change if internal estimates at HSBC change, which is why they purposely changed the locked interest rate. I told them that I doubted it was legal to change a locked interest rate, especially without proper notice, but they offered no adjustment.
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| 02/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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I opened an HSBC Credit Card back in XX/XX/XXXX and used it on Vacation that same month. When I returned i did not receive a statement and was not able to login online to make a payment. Got errors saying login failed, and could not reset password. I tried several times, and still could not access my account. A month went by and I get a call from HSBC saying that my account has been closed for non-payment and that is why I could not access the account, and demanding payment in full. After arguing that my account should not be closed because HSBC made no attempt to contact me to tell me I was late, HSBC responded that it was not their company policy to contact customers if late, via phone, mail, text, nor email. I conveyed that I was not able to pay the full amount, but I would gladly make payments. I set up a payment arrangement and the payments continued for 6 month, and then HSBC called back saying I was late again. I asked how I was late when we had set up a payment arrangement and they were taking payments from my bank account. The HSBC rep said that their system only allows payments to be set up for 6 months at a time. So I set up another 6 months and this continued with no communication from HSBC for over a year. I recently got a call in XXXX saying I was late again and needed to pay a late fee and a past due amount. I made an arrangement to pay {$41.00} and then pay a one time payment of {$78.00} on XX/XX/XXXX, and then {$75.00} on XX/XX/XXXX thru XX/XX/XXXX. Two days later I noticed that HSBC had charged my checking account the planned {$41.00}, and also two additional Charges of {$78.00} each, which overdrafted my checking account. I called and demanded they reverse the two {$78.00} charges that I had not authorized, and refund the late fee, which they did. Then I set up the 6 month payment arrangement again with them on the phone and was assured that it would come out as planned this time. On approximately XX/XX/XXXX, HSBC called me to inform me I was past due by {$110.00} and demanded payment then. I explained that I had a payment arrangement and why did HSBC not take the payment as agreed on XX/XX/XXXX. They reviewed the notes and explained that they made an error and would correct it if I paid the {$110.00} that day. I refused and told them I would pay the {$78.00} as agreed and that normal payment XXXX should resume on XX/XX/XXXX in the amount of {$75.00}, and continue on the XXXX of each month, now thru XXXX as they could do 6 months at a time. We agreed and she assured me that normal payments would continue on the XXXX thru XXXX and no further arrangements needed made. Now on XX/XX/XXXX, HSBC calls me at work ( on my cell ) and notifies me my account is past due and I need to pay {$110.00} and I have missed my XX/XX/XXXX payment, so a late fee on top of my regular payment is due them. I was angry and told the woman that I had an arrangement that XXXX constantly screws up and to check the notes on the account as I am not paying a late fee because XXXX did not process my payment. Today I got an Credit report alert that HSBC has marked my account 30 days past due, causing my credit score to drop by XXXX points on one bureau. I would like HSBC to honor the payment agreement, remove the late status on my account and remove late fees, and correct my credit report.
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| 04/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have a credit card with HSBC which my mother has been paying off. She would call in and make a payment over the phone. She did not use the card, and would make payments only.
She began having problems with HSBC allowing her to make the payments because I was not on the phone making the payments myself. I did call in a few times to submit the payment, and I still had to be transferred multiple times before they would accept it. Eventually, they refused to accept any payments on this account, until I went to a local branch with my ID stating that I live at the address I requested the mail be sent to. Despite their very limited and inconvenient hours and location, I went on a Saturday morning ( the only time I could get to a branch due to work ), where I spoke with a representative in person. The representative took my ID and informed me that I would likely only be able to have the bill sent to the address on my ID, rather than having the bill sent to my mother 's ( I live in XXXX, PA ; my mother lives an hour away ). I informed that this would be fine, but that I just wanted to have access to my account again so I could pay my bill, rather than having any credit issues for lack of payment.
2 weeks after I met with the agent, I was informed that my driver 's license was insufficient and that they required I send utility bills showing my address. I sent about 5 pictures of my utilities. They then declined to accept the utility bills, saying that the entire page must be shown. I then sent 2 additional emails with bills showing the entire utility statement. I have tried repeatedly to ask them if they have received and accepted my information, my emails have been ignored. I called 4 times this week, and received no help at all. When I called the Fraud Prevention Department, I was told the utility bills were not accepted, that I needed to go to the branch. I informed the agent on the phone that I already tried going to the branch and I brought my driver 's license, but it was refused. He said " it does not matter, you have to go to the branch. '' I asked to speak to his manager, he responded " he's going to tell you the same thing I just told you. '' I tried repeatedly to get a manager or supervisor on the phone, I was denied every time I tried. He put me on hold for 20 minutes, then told me he needed to transfer me to another department. After giving me the department 's phone number, he transferred me. I waited on hold for over 80 minutes before hanging up. I tried calling this same number probably 2 other times, and had the same result.
During the process of my attempts to pay this bill, I received notification from XXXX that HSBC has reported my account as delinquent as it has not been paid in 2 months. I have had zero progress with the company ; my emails are ignored ; my phone calls are not answered ; they changed my account number so I can not mail a check to them ; they have blocked my access to the online payments page, so I have no way to make a payment on this account and it is now having a negative impact on my credit. I have worked my entire life to maintain a strong credit score, and now it is being harmed by a bank that will not accept my payments. I have documentation to backup most of my claims, and would be happy to evidence my claim with anything I have.
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| 09/01/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I received a promotion offer from HSBC that indicated that I could open a new HSBC Advance checking account and get a {$350.00} welcome deposit if : 1 ) opened the account by XX/XX/XXXX 2 ) deposited {$10000.00} and left the money in the account for 90 days. The welcome desposit was to be deposited 8 weeks after completing all activities. ( attached promotion terms ). I fulfilled all the requirements and I should have received my deposit by XX/XX/XXXX. However, HSBC is not honoring its offer claiming that " I did not use the correct link to open the account ''. However, I disagree with that assessment because I did open the account with the link provided. Furthermore, I checked with their chat and phone representatives at least 3 times after I opened the account and all of them assure me that I was on track to receive the bonus.
Bottomline, I should have received the welcome bonus on XX/XX/XXXX and now if HSBC decides to honor their promise I would be lucky if I get the bonus by the end of XXXX ( because they said it would take 1 week to resolve the issue, which they keep stretching, and 5 weeks to get the bonus deposited ). This is 3 months more thant they requested my money to be locked.
I really think this is completly unreasonable and reprehensive that they treat their customers this way. Giving them the round around between departments.
I am attaching proof of these conversations to the best of my ability, since I did not recorded the phone conversations.
1. XX/XX/XXXX Chat transcript provided, where I was directed to call and ask about my account. I contacted a representative and he assured me my account was good.
2. XX/XX/XXXX emailed after phone conversation- yet again I was asking questions on when I was going to receive the welcome bonus online 3. XX/XX/XXXX Copy of chat transcript provided- in which I expressed concerned for not having received the welcome bonus on XX/XX/XXXX. The representative agrees and opens 1st investigation XXXX which is supposed to last 3-5 business days and I am supposed to receive a phone call or email. I never received any communications.
4.XX/XX/XXXX Copy of chat transcript provided. The HSBC representative tells me for the first time that I am not getting the bonus because I did not use the link provided. then he tells me he can help me re-open the investigation because I fulfilled all the requirements except using the link ( I disagreed with this conclusion ). He re-opens an investigation ( reference # XXXX ) and a complaint for this situation ( Ref : XXXX ). I was told the investigation would take 5-7 business days and I would receive a resolution then. Then I had to wait ANOTHER MONTH to get the welcome bonus.
5. XX/XX/XXXX Copy of the transcript provided. since I did not hear from them I contacted HSBC again, after 20 minutes waiting for a representative to figure things out. He tells me that he does not see any updates after my complaint and 2nd investigation/request.
I spoke to a supervisor and she does not see any updates. Now I have to wait another 3 days ( after the holiday ) so that they can even get in touch with the marketing department and expedite the process. At this point I do not have any reason to believe they are working on my case because they have not done so in the last month.
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| 04/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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This is regarding the HSBC XXXX XXXX XXXX XXXX that I used to own - a charge of {$64.00} on XX/XX/XXXX from XXXX XXXX XXXX XXXX visit on XX/XX/XXXX, and all associated fees. The charge was an error in their part, and I have requested disputes through their customer service, then by my premier managers disputing through their management team. Unfortunately, there has been no response from their credit card service and you have continued to charge me. This charge incurred when my family and myself ( all 3 were paid HSBC XXXX XXXX XXXX XXXX members ) visited XXXX lounge XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was the primary card holder, and my family member ( Husband and Daughter ) were also paid card holders associated with my account. At checking in, we were told by the cashier because all three cards had the same card number, only my card ( primary card ) was needed, and 2 others as guests. I attached to this letter the copy of our boarding passes on XX/XX/XXXX as approve that visit was by 3 paid members. However, a few days later on XX/XX/XXXX, I noticed that I was charged {$64.00} for lounge visit. We had no other lounge visit after XX/XX/XXXX. I called the card customer service on XX/XX/XXXX or XX/XX/XXXX to inquire. I was told by the customer service representative that the charges were for my associate card holders, because card benefits only allow me to have 2 complimentary ( free ) lounge visits per year with paid membership, the associated members do not have any complimentary lounge visit, and they each was charged {$32.00} for that visit. I was totally dumfounded! The reason in the first place for me to apply and pay this cards hefty fees ( we paid total {$520.00} member fee for this card - {$390.00} plus {$65.00} for each associated card holder ) was the card advertisement stating card member has complimentary access to 1000+ airport lounges worldwide. XXXX airport XXXX XXXX XXXX XXXX is one of the complimentary access to 1000+ airport lounges worldwide! To me, complimentary in English means given or supplied free of charge. I asked the representatives explanation, she told me to instead dispute through the office manager where I originally opened my account, which I did right away. My premier account manager and her supervisor have filed dispute on my behalf, and reportedly had involved leadership team I can send you their email correspondences if requested. However, it did not sound any feedback or response from their card services, while I have continued to be billed for the charge, late fees and interests! I want you to know that I have had other interactions with their card customer service representatives before this, and the experiences were very poor customer service, they were not familiar with member benefits, and I was often instructed to ask the office manager where you originally opened your card! I have had other credit cards, and my experiences with most of them are very positive and helpful. Honestly, the customer service from HSBC card member service was so poor and unprecedented! I was so disappointed and frustrated with HSBC card service, and did not want to have anything to do with this card anymore, I therefore canceled our cards on XX/XX/XXXX, although we have paid full year of membership ( until XX/XX/XXXX ).
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| 02/26/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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Web |
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I purchased a house with my ex-spouse as tenant by entirety. The mortgage note ( HSBC Bank ) was only on my ex-spouse name. I never signed nor am on the mortgage note. In XX/XX/XXXX, we divorced. In XX/XX/XXXX, my ex-spouse quit claimed in court settlement and I was to pay the monthly mortgage. There was no assumption of the mortgage. In XX/XX/XXXX, the house was water damaged and insurance proceeds are being held by HSBC. After out of court settlement with the insurance I received additional {$53000.00} that HSBC holds. Currently, HSBC holds XXXX ( estimate ). They demanded settlement document when they had the attorney of the insurance company ( XXXX ) inform that the additional funds were for additional repairs that were not in there original estimate. This letter was issued after my counsel had spoken to the head of their lost draft department and was consistent with the HSBC required document.These additional funds were for me to use as I find necessary and that was not subject to bank withholding the funds. They refused to release the funds without the settlement document I requested in writing a waiver for the settlement documents and also requested that I be permitted to spend the money as necessary as the funds are insufficient. I will provide them with the receipts for which I expend money and they are free to inspect. I requested that I may either just send receipt for material and pay labor, or send the entire project or just labor no material to meet my repair needs. I wrote if they do not give a waiver or extend the flexibility I am seeking as described above I will seek a court action and or file a complaint with CFPB. A week later, when I called to inquire about the outcome, I was verbally informed that they have granted the waiver and no response to my request on the disbursement of proceeds. I requested that they put their decision in writing about the waiver and disbursement of insurance proceeds they have refused to put it in writing as it is not their policy. In a separate letter I had also requested in writing to them to give me excat figure of the interest they have earned since XX/XX/XXXX on my proceeds and I would like that interest to be rolled over into my insurance proceeds I have not gotten a response. I did write if they do not respond i will file with the consumer financial protection bureau and or seek court action. My house repairs can not be started as I have no clarity on how they would disperse the insurance funds, if I spend money and ask for reimbursement they say their exception department would decide if they would reimburse.In short they are holding me as hostage. First of all their mortgage note is defective, so I do not think they can exercise any right on the property, secondly insurance proceeds were on my name and I am not their note holder nor they have any legal right on the property because I never signed the mortgage note. I have tried to work with them but there are too many roadblocks and I can not get my house repaired. If I spend my savings and seek reimbursement if they decided they do not wish to pay then I am prohibited from further repairs. Lastly, can they enforce their mortgage on my ex-spouse or me with a defective note. I will send a copy of the deed if you need it when requested
|
| 04/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
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I had both a checking and savings account with HSBC Bank connected with my HSBC debit and credit cards .. I was always watchful of my balance . Time after time I always had enough money and HSBC woul d always say my account balance was negative again and charged me expensive fines. I could never figure out why this was happening. SO in order to protect my self from HSBC 's totally dishonest practices I had to close all of m y HSBC accounts and pay them off in full! Even after I closed all of my HSBC accou nts and payed them off in full with a XXXX balance which was confirmed by HSBC on XXXX XXXX 2016 w ith the HSBC executive on the phone confirming that I have indeed paid in full and owe HSBC no thing and that the account was closed with a XXXX balance owed confirmation code provide ( XXXX XXXX XXXX ) to verify these facts. I continued to be billed and charged fines and fees. I was still being billed and fined b y HSBC and have been ever since. I need protection from HSBS. I am still always receiving bills from HSBC that are gaining interest. I had to borrow money to pay everything off in full just to protect my self from HSBC illegally scamming me with all kinds of charges and fines. I need Federal protection from HSBC. I payed everything off just to stop HSBC from trying to continue to bill me. I paid everything off in full owing HSBC nothing. And it was confirmed by HSBC them selves o n XXXX 2016 that I owed HSBC nothing and that the account was closed. Yet,, sure enough I received anothe r Bill y et again for interest owned which was fraud. I had just paid HSBC o ff completely just to keep them from trying to continue to steel from me. On XXXX / 2016 I cal led the HSBC offic e and registered a complaint. stating that I will contact the government to obtain protection from HSBC.. I was given a conformation number stating that all debts were paid off and that the account was closed with a XXXX balance. This is the conformation number they gave me assuring that my accounts were closed and that I no money was owned to HSBC. The HSBC executive st ated that she will correct the problem and close the account with a XXXX balance owed.. this is the confirmation code # she provide to me on XXXX XXXX / 2016 XXXX XXXX XXXX XXXX ) REFERENCE CODE # XXXX XXXX ). I felt this issue would be resolve Since the n HSBC HA S CONTINUED TO BILL ME INTEREST AND FINES FOR AN ACCOUNT WHICH THEY HAVE BEEN EXTORTING MONEY FROM ME FOR MORE THAN A YEARS TIME .. AT THIS TIME I NEED FEDERAL PROTECTION FROM HSBC AN D REQUEST A FULL INVESTIGATION FOR FRAUD AND DECEPTION TO OBTAIN PROFIT FOR SELF INTEREST PRAYIN G ON THIER O WN CLIENTS TO INTENTIONALLY DECIEVE AND DEFRAUD THEM OUT OF MO NEY. HSBC SHOULD BE F INED AND UNABLE TO DO BUSINESS IN TH E UNTED STAEES OF AMERICA. I NEED FEDERAL PROTECTION FROM HSBC. A TOATL INVESTIGATION SHOULD BE OPENED AGAINST THIS DISHONEST HSBC OP ERATION. I will take this to XXXX XXXX and contact all local media to obtain protection from HSBC trying to steal more money from me or from any one e ls! HSBC SHOULD BE PUT OUT OF BUSINESS TO PROTECT AMERICAN CITIZENS AND ALL OTHERS FROM SUCH UNETHICAL PRACTICES. WE NEED PROTECTION FROM HSBC T HEFT! Thank you Kindly!
|
| 09/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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XXXX 2015 I started an automatic billing using XXXX XXXX for $ XXXX monthly payment is {$2100.00}, mortgage with Beneficial has deferred interest so I sent a letter and email to Beneficial that the remainder of the payment was to be used for the deferred every month, they are not doing that, every month so far they are putting it to principle and ignoring now that the check itself states {$320.00} deferred interest ( XXXX 2015 ) from the bank. I do n't know what else to do to get them to apply the funds to my deferred interest as I was informed I can pay that at any time by simply doing what I am writing on the check how much was to apply for the deferred interest but they are not doing so. Can you help me get this applied to my deferred interest? I am trying to get it paid for its over {$21000.00} and I would like to pay it down or off before the mortgage is paid off. Furthermore, statements are generated on the XXXX of the month, mailed and still requiring payment by the XXXX, I do automatic payment but this is an issue for others and they did do it to me for years causing late fees there has to be some type of requirement that allows for certain amount of time for mailing and processing, they want payments mailed 10 days prior to due date but they are n't mailed out from their end 10day priors to the due date so how can the consumer mail in the payment if we do n't have the bill??? Can you prevent them from sending me harassing letters about my taxes? The past two years I paid them, I received letters that they denied to you previously I have copies stating I did n't pay my taxes which I do, my county takes your income tax refund if you do n't. Contact my County Tax office and since I pay my own they have no way to report that I did n't pay and she stated since I paid why would they report that? Its harassing and now I am exempt as a XXXX veteran I do n't feel I should have to discuss that with them but what if they start to harass me again, they send me letters demanding copies of cancelled checks or they will start foreclosure proceedings. Contacted the Florida office by letter they stated they never did such a thing so I sent them copies of the letters, they never replied, letters came from a Beneficial office in Texas. I am attaching XXXX and XXXX statements you will see that both times they received the {$2500.00} and both times the deferred interest did n't decrease and here is a copy of the recent transaction to include septembers payment : Transactions for Account XXXXDate/Description TotalAmount Principle Interest Escrow Insurance/OptionalProducts Late Charges & Fees UnappliedFundsXXXX/XXXX/2015Unapplied Funds {$320.00} {$320.00} -- - -- - -- - -- - -- -XXXX/XXXX/2015Unapplied Funds {$2100.00} {$590.00} {$1500.00} -- - -- - -- - -- -XXXX/XXXX/2015Unapplied Funds {$320.00} {$320.00} -- - -- - -- - -- - -- -XXXX/XXXX/2015Unapplied Funds {$2100.00} {$530.00} {$1600.00} -- - -- - -- - -- -XXXX/XXXX/2015Unapplied Funds {$320.00} {$320.00} -- - -- - -- - -- - -- -XXXX/XXXX/2015Unapplied Funds {$2100.00} {$890.00} {$1200.00} -- The unapplied funds for XXXX are supposed to go toward the deferred interest but as you see the same is being done all three times and matches the statements so they did it again in XXXX. Please help me.
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| 07/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
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Amount of money : XXXX XXXX Date of transfer : XXXX, XX/XX/2022 Sender 's bank : HSBC, USA Recipient bank : XXXX XXXX, XXXX Events that transpired : XXXX ) I usually transfer an amount of XXXXXXXX XXXX from my HSBC, XXXX XXXX account to my mother 's account in XXXXXXXX XXXX, XXXX. This I do almost every month, using the same template in my HSBC account page. I initiated a similar transfer on XXXX, XX/XX/2022 XXXX ) I realized after two weeks that the amount hasn't reached my mother 's account. When I checked with HSBC through their XXXX XXXX this was the exact response I got from XXXX XXXX XXXX, VP Premier Relationships XXXX XXXX, " Our back office informed that the payment has been completed by HSBC and already on hold with receiving bank. You can go ahead to check with the receiving bank now to find out the payment 's status '' 3 ) Assuming that HSBC completed its part of the deal my father rigorously followed up with XXXXXXXX XXXX XXXX. HSBC provided me with a receipt number. But XXXX XXXX said that the receipt number was invalid. These were XXXX banks exact words, " Dear Sir/Madam, As of now, We are unable to trace any message/payment with given details.
Kindly provide authenticated XXXX XXXX copy to trace further. " 4 ) When I contacted HSBC again asking for the " XXXX XXXX copy '' they weren't ready to provide that to me. All they were ready to provide was a receipt number which the other bank wouldn't recognize 5 ) When I spoke with HSBC again a week later, they told me that the transaction could not be completed because " the reason/intent for the transaction was unclear ''. This is not the first time I have had this issue with HSBC. I have had the same issue multiple times before and I had cleared it up with their wire department or at least I thought I did. This was again a template recommended by one of their relationship managers named XXXX XXXX in HSBC, XXXX XXXX. I had used the template multiple times before so I don't know how " the intent could suddenly become unclear. '' 6 ) I was told that I could " expect '' to see the money in my bank account in a couple of weeks.
7 ) When I couldn't find the money in my account, I contacted HSBC again in a couple of weeks. They told me that they had transferred the amount to XXXXXXXX XXXX but XXXXXXXX XXXX denied the transaction saying that the intent was unclear. So now they are trying to retract the transaction from XXXXXXXX XXXX
8 ) But when I contacted XXXXXXXX XXXX again, they deny that there has been any transaction. They are requesting more details from me. But HSBC won't give me the details.
9 ) This point is just a rant. It has been 3 months now and I don't know where my money is. If a transaction is denied I think HSBC has the responsibility to let its customer know that the transaction has been denied which it chooses not to do. It's a universal truth that HSBC has terrible customer service and doesn't care about its customers once you open an account. But this is beyond terrible customer service. This is harming the customer. This I hope is a new low. If it's not a new low I hope that CFPB or some other federal agency does something about it.
10 ) I have also filed a complaint through HSBC 's complaint system. But I haven't heard a response in 2 weeks.
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| 02/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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This complaint is about an error made on behalf of HSBC and XXXX XXXX, which cost me {$1000.00} without any wrongdoing on my part.
On XX/XX/2019, I made a credit card payment to HSBC for {$1000.00} from my XXXX XXXX Account using a debit card. The amount was recorded once by HSBC on XX/XX/2019 as expected ; however, on XX/XX/2019, when the payment posted to my XXXX XXXX account, it was recorded as two transactions, each for {$1000.00}. I disputed this transaction with XXXX, and they issued me provisional credit on XX/XX/2019 for the extra {$1000.00} charged to my account.
Then, on XX/XX/2019, HSBC adjusted the original payment I made on XX/XX/2019 and deducted {$1000.00} from my HSBC account. As a result, the initial payment was reversed once from HSBC, but only once from XXXX despite being charged twice. Therefore, I was deducted an extra {$1000.00} for no reason.
When I contacted XXXX to ask them about this dispute, they told me that it was already resolved on their end and that I needed to contact HSBC about their reversal of my payment. So, after contacting HSBC, they have consistently refused to take steps to reverse this charge on my account, despite several attempts to communicate to them.
Since the {$1000.00} was deducted from my account in XX/XX/2019, I have contacted HSBC several times and performed everything they have asked within my power. I even had two different three-way calls between HSBC and XXXX so that there was a verbal understanding between all parties.
HSBC has asked me to fax them information regarding this dispute, to which I have done three different times. The first time I sent them a copy of the dispute resolution from XXXX ; however, this was not good enough as they wanted a record of the transaction. Then I faxed them a copy of my bank statement from XX/XX/2019, which showed the transaction. This information was also not good enough for them, and they wanted me to have information directly from the bank. On the second three-way call between HSBC and XXXX, XXXX said that only a branch could give a customized letter about the account. So, I went to my local XXXX branch and obtained as much information about the transaction as they could give me and faxed that to HSBC. This information was still not good enough for them.
After the last denial of my request, HSBC said they want my records to show the following : transaction details about the double charge, complete account number, routing number, transaction reference number, date, and time of transfer.
The problem is that they have all of the information they need from the information that I have given them. The other problem is that XXXX will not provide me any more information about this transaction than they already have.
I have followed all of HSBC 's steps to resolve this problem and went through all of the proper channels with XXXX as well, but this issue has not been resolved. It has been ongoing for about XXXX months, and I am still at a loss for {$1000.00} for a problem that the banks made, not me. I require assistance from the consumer financial protection borough in resolving this matter. The ongoing dispute is between HSBC and XXXX, I am just a middle-man who is charged {$1000.00} without having it returned. This is theft.
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| 06/25/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Starting at the beginning of last year ( XXXX ) I began receiving phone calls from various numbers asking me for my social security number stating I had an outstanding debt they wanted to collect. No one would give me the name of the organization of where they were calling from, who I owed the debt to or how much the amount was. The operators calling were rude and cursed when I dared to ask any questions or not give them my social security number. The phone calls then became robocalls from numbers very close to my own or people I frequently call. They kept pronouncing my name incorrectly which made me feel it was a mistake on their part. I would block whatever number they called from and they stopped coming in after a while.
The calls started up again at the same time this year. This time they were more threatening. On XX/XX/XXXX I received a phone call from the number XXXX XXXX XXXX. Again, the person on the other end did not tell me what organization they were calling from but stated they had tried to deliver court papers to my home address to no avail. ( they said my home address I suppose to scare me ) The person did give me the phone number of the law firm handling the case. It was XXXX XXXX XXXX. I spoke with an attorney saying they were collecting on a {$3000.00} debt I owed to HSBC bank from when I lived at a different address in XXXX. I told her I never had an HSBC credit card ever in my life and I was then told it was sold to their firm by HSBC and could be a debt for anything. She told me if I paid {$1000.00} of the debt over the phone by credit card it would go away. I then told her I was not giving her any money for a debt I do not recall. She told me that by saying that I was refusing to pay the debt and she would 'see me in court '. Once again, like the last time, I began receiving a flurry of robocalls from different numbers with local area codes. They were the same as the ones from last year mispronouncing my name, etc. One was sent under the phone number of my wife 's ' place of work.
On XX/XX/XXXX, I received a call from XXXX XXXX XXXX. I took the call because the number was close to the number for my employer. It was a live person attempting to collect this mystery debt. When I began to tell him I've been getting these calls for a year, they screamed at me : " THEN WHY DON'T YOU PAY YOUR DEBTS? '' He then provided me with the same small amount of information as the others before and I hung up on them.
On XX/XX/XXXX, I recieved a call from the number XXXX XXXX XXXX. It was a deep-voiced robocall saying my first name wrong stating they were calling from the XXXX XXXX XXXX stating I needed my lawyer to call them by the end of the business day ( It was XXXX XXXX EST ) or they would take 'further actions '.
Yesterday ( XX/XX/XXXX ) I received a voicemail from the number XXXX XXXX XXXX simply stating they are from 'the processing department ' ( does not say from what organization ) saying there are now two pending matters and since I am not answering their calls they will come to my home or place of work ( Just like did at the beginning of the year ) I just want these calls to stop. It's obvious this is a scam.
I hope you can help me with what I provided. If you need anything else, please reach out.
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| 08/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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[ HSBC US suddenly and unreasonably froze all of my accounts and decided to close them without any reason, including my Checking account, Saving account, and Credit Card. Lose rewards ] // I am a XXXX citizen currently residing in mainland XXXX XXXX I discovered online that a bank located in the XXXX, " HSBC Bank USA, N.A., '' offers Premier Checking accounts and Premier credit cards. In XX/XX/2023, I opened a Checking account and a Saving account with HSBC US, and in XX/XX/2023, I applied for the Premier credit card. // My credit card was approved and mailed to my address in mainland XXXX XXXX I have been using the credit card and Checking/Saving accounts without any issues.// My Checking account is primarily used for handling deposits and withdrawals with brokers, and secondarily for savings. I informed the bank of this when I applied for the account. Some time after opening the Checking account, I called the bank 's customer service to apply for a credit card for online shopping on US websites, attracted by the offer to " Earn XXXX Bonus Points after spending {$3000.00} in the first 3 months from Account opening '' ( as advertised on their official website ). I informed them about my job and income situation, and clarified that individuals in mainland XXXX can also apply for a credit card. I provided documentation of my salary and income. They eventually issued me a credit card. // On XX/XX/2023, I suddenly found that my credit card was unusable. When I logged into the mobile app, it displayed " User Suspended ''. I called the HSBC US customer service, and they told me that my account was under review. On XX/XX/2023, I called the HSBC US phone customer service, including the security team, and I was informed that they " recommended account closure ''. They are preparing to close all my accounts without any reason. My account is bebing blocked now. // After HSBC US decided to unreasonably freeze and prepare to close my account, they claimed that they no longer allow me to use the funds in my HSBC US account to pay off the credit card. They also don't allow me to transfer the funds out via ACH or Wire transfer.
From publicly available information online, I discovered that a large number of customers in XXXX have complained about their HSBC US accounts being completely frozen and closed. A commonality among them is that they applied for a credit card between XXXX and XX/XX/2023. HSBC US credit cards can be applied for by specific international customers who do not reside in the US. Perhaps there indeed are some individuals who abuse this, such as deliberately defaulting on debts and refusing to repay. // As for MY CASE, I believe I haven't done anything that violates the law, bank regulations, or any unethical actions. I haven't engaged in any suspicious or fraudulent activities either. I don't wish to default on any bank debts, nor do I want to do anything wrong.
I am deeply disappointed by HSBC US 's discriminatory ( Because of my nationality and place of residence ) and blanket decision to close all of my accounts. It's not just the credit card account ; even the Checking account couldn't be retained.// As a result, the advertised card opening rewards can obviously be defaulted on, all gone. This is clearly unfair.
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| 07/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I have held my credit card for over 10 years with the same company. I went on vacation last week. I have used this same credit card while vacationing before at the same destination over the years. I came home to a call from the company telling me they are questioning some of the transactions on my card and to contact the company. I have now been on hold for a total over 6 hours to speak to someone in regards to this matter. The first day I tried calling the customer service number and wait times were over 30 min. I tried again the next day and I was able to get a customer service rep. after waiting 1 and half hours yesterday. He was unable to verify who I am due to the questions he asked me. I was not able to wait at home while on hold and did not have access to some of the answers ( my statements ) I explained to him that it was the company who called me and I was returning their call and he would not try any other way to verify who I was. I went to work today and the only way I am able to pay for parking is with my credit card it was declined. I have a long drive to work and I am unable to find parking elsewhere. I need to pay for my parking daily. I came home from work again today and waited on hold for over 3 and half hours to speak with someone. I finally got a rep. and he told me there was nothing he could do for me and was unable to access my account. So the time I spent on hold was totally wasted. There is a note on my file ( account ) that I am to go into the company with 2 pieces of ID to discuss this matter. I work Monday to Friday XXXX the same as the companies hours. I am not about to take a day off work just to speak to someone when I know there has been no strange activity on my credit card. XXXX 's ATM banking system was down when I was on vacation and I had to utilize my credit card for all my purchases until the ATM system came back online. The company should be aware of this. I only have XXXX credit card and I need to use it tomorrow when I go to work to pay for parking. I have no idea what to do about this issue. The company should be able to call me directly and speak with me in regards to the purchases that were made. I should not have to take off work just to go to the company to discuss this. XXXX should be able to deal with this issue directly. There should be customer service representative from either the company or XXXX who can deal with this matter with me over the phone or after hours. I am 99 % sure that it has to do with the ATM going down and the purchases I made- not some fraudulent charges on my card. The company is not handling this situation well at all. I am ready to cancel my card due to the outrageous customer service I am receiving over something that is so trivial. I would like to hear back from XXXX as well as my company in regards to this matter. There has to be a better way in our day and age to do business and to keep customers. I do not nor will I go online and deal with my transactions in regards to the credit card. I don't need someone hacking my account. I have always called and discussed matters over the phone with my company about my account and it has never been an issue. My main complaint is how my company is handling this issue total disregard for me at this point.
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| 06/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXXXXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : HSBC BANK XXXX XXXX XXXX XXXX, NY XXXX ( XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 03/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I am an HSBC advanced customer for the past ~10 years and hold accounts in the bank across multiple geographical locations.
One of these accounts is a HSBC Advanced Credit Card account that i opened up sometime in XX/XX/XXXX at the XXXX XXXX XXXX branch of HSBC.
On XX/XX/XXXX, while reviewing my credit card statement, i noticed ~28 fraudulent transactions amounting to ~ {$4300.00}. These transactions were executed between XX/XX/XXXX and XX/XX/XXXX. Please also note that during this period, an authorised and scheduled Direct Debit transaction " XXXX XXXX XXXX XXXX XXXX '' amounting to {$160.00} was also executed against the same card. This is a direct debit transaction so i did not perform this transaction with the card in my possession.
I did not recognise the 28 transactions and therefore called up the HSBC Fraud helpline to report this. A case was logged as per my call for further investigation.
On XX/XX/XXXX, i received a letter from HSBC, at my registered address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, that my fraud claim has been denied. The letter also stated that i am supposed to pay the amount in full and not doing so will result in finance charges. A copy of the letter has been attached here.
On XX/XX/XXXX, i called up the HSBC Fraud helpline to appeal against the decision and also to understand the reason for the denial of fraud claim. I requested a written explanation for denying my claim however this has still not been provided 49 business days since the fraud was first reported. During this call, HSBC requested me to file a police complaint and send a copy of the complaint.
On XX/XX/XXXX, i visited the XXXX XXXX XXXX police station and filed a criminal report, a written copy of which was made available to me on, XX/XX/XXXX.
On XX/XX/XXXX, this police complaint copy was shared with HSBC via an email ( attached ) A number of phone calls were subsequently made to HSBC to follow up on my claims however the claims continue to be outstanding and the bank continues to request me a full payment of the 28 transactions.
HSBC has also not provided any timelines to the resolution and the responses to my calls to the Fraud helpline have resulted in random answers. My latest interaction with HSBC Fraud department was on XXXX XX/XX/XXXX during which i was told that HSBC has a 90 day timeline to resolve the fraud claims and i should have been notified about this timeline during my first interaction on XX/XX/XXXX. However i was not notified about this timeline on XX/XX/XXXX moreover the HSBC letter dated XX/XX/XXXX clearly stated that the matter stands closed and i am expected to make the payment in full.
I would like to bring my case to the CFB to seek help in getting a resolution to the 28 fraud transactions against my HSBC Credit Card. These transactions were executed by an impersonator who seem to have stolen my card sometime after XX/XX/XXXX.
Details of the documents attached : 1. ) HSBC Dispute XXXX XXXX : Latest HSBC Credit Card Statement 2. ) HSBC Transaction History.xls : Transactions highlighted in RED are fraud and i am requesting HSBC to reverse them 3. ) XXXX : Copy of the police complaint 4. ) Re_ Credit Card Fraud Complaint - XXXX XXXX.XXXX : Copy of my email follow ups with HSBC so far.
|
| 04/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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The mortgage complaint that I have is with Household Financial Corporation ( HFC ). My parents ( XXXX and XXXX XXXX ) had a mortgage account with HFC ( XXXX ) for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX. Both XXXX XXXX ( deceased date : XX/XX/XXXX ) and XXXX XXXX ( deceased date : XX/XX/XXXX ) are deceased and I ( XXXX XXXX ) have been designated as the Executor of the Estate through court.
In XX/XX/XXXX, the property listed earlier went into foreclosure. On XX/XX/XXXX, the total balance of the mortgage was {$69000.00}. Before the property went into the final foreclosure process, the property was sold on XX/XX/XXXX. According to the Settlement Statement and HFC Payment History, HFC received {$83000.00} for the payoff of the first mortgage loan. According to HFC Payment History, this left an over payment and credit of {$14000.00}.
Before leaving for a XXXX, I began the process of requesting the over payment/credit of {$14000.00} be compensated to the XXXX XXXX. In XX/XX/XXXX, when I identified the over payment and illegal practice of HFC, I began the process of having the XXXX XXXX compensated of the {$14000.00}. HFC admitted to their negligence of the over payment and claimed that HFC paid the property taxes on a property in which HFC did not have a mortgage on ( XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ). At the time of the HFC 's negligent act, I was renting this property and did not have any ownership in this property. In XX/XX/XXXX, HFC claimed that the company will begin the Erroneous Tax Payment Process and claimed that the compensation of {$14000.00} will be return to the XXXX XXXX. Since my return to the United States in XX/XX/XXXX, I have yet to receive the reimbursement check totaling {$14000.00}.
In addressing this illegal practice, throughout the years, I have been in constant communication with HFC attempting to collect the {$14000.00} due to my family 's estate. HFC admits to their negligent act an illegal practice ; however, HFC has not corrected their illegal act by compensating the XXXX XXXX. Throughout the years of me attempting to seek justice for the XXXX XXXX, HFC has continued with their illegal practice and continues to cover up their illegal practice with their negligent act. This is evident in the most recent HFC Correspondence for their representing attorney ( XXXX XXXX XXXX ). In a HFC Correspondence dated XX/XX/XXXX, the HFC Attorney threatened me by saying " As I stated in my XX/XX/XXXX letter to you, to the extent you wish to further pursue the {$12000.00} on behalf of the Estate of XXXX and XXXX XXXX, please know that my client will likewise reinstitute its demand for the same amount from you. '' The HFC, the attorney went on to state, " My client remains unwilling to reimburse the Estate of XXXX and XXXX XXXX for this expense. '' In this case, the illegal practice of HFC failing to compensate the XXXX XXXX with the {$14000.00} does not have anything to do with HFC negligent act of erroneously paying the taxes on a property in which HFC does not have a mortgage on or any interest in the property. I am requesting the Consumer Financial Protections Bureau to assist in correcting the illegal practice of HFC and paying the amount due to the XXXX XXXX.
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| 04/29/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received an official looking email supposedly from HSBC Bank, see below. I have a credit card from this bank, but it has never been used, and the phone numbers given in this email do not work, they appear to be those of a collection or or legal firm, but there is no answer. Further, there are typos such as the part that reads, if you do NOT have an account, then it instructs to log in anyway and select various Accept buttons and Make Payment. I tried to contact the bank, but their security concerns number requires that I give them my social security number. This has to be some kind of hacked bank or site. I've never used this card, I've never received any statements from this company, there is no balance on this card, and none of this adds up : HSBC Dear [ my name was here ], We're writing to let you know the minimum payment for the Credit Card ending in [ XXXX ] is past due. If you recently made the payment, thank you. If not, please make the payment as soon as possible using any of the following methods : Make your payment online if you're registered for Personal Internet Banking. Click here to log on and take one of the following actions : If you have an HSBC checking or savings account, click 'Move money ' to make a payment.
If you don't have an HSBC checking or savings account, click 'View details ', then 'Accept and proceed ', click 'Payments ', and then 'Make a Payment '.
Make your payment by mail : HSBC Bank USA, N.A.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Make your payment by phone : Call us toll free at XXXX or collect at XXXX.
Monday : XXXX ET Tuesday, Wednesday, Thursday : XXXX ET Friday : XXXX ET Saturday : XXXX ET Sunday : XXXX ET Thank you for choosing HSBC.
Sincerely, XXXX XXXX Head of Customer Experience HSBC This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
If you've already made your payment, please disregard this message.
XXXX EMAIL SECURITY INFORMATION Email intended for : XXXX For your account ending in : XXXX You received this email notification because you have enrolled in an HSBC product or service.
ACCOUNT-RELATED QUESTIONS Please do not reply to this email as the message was sent from an address that is not monitored. If you wish to submit an account-related question electronically, please contact us online through Chat or call our Customer Relationship Center at XXXX ( XXXX ) or call collect from anywhere in the world at +XXXX XXXX.
The source of this email alert notice is HSBC Bank USA, N.A.
HSBC is located at XXXX XXXX XXXX, XXXX, NY XXXX.
Our postal address : HSBC Bank USA, N.A.
XXXX XXXXXXXX XXXX XXXX, NY XXXX We maintain strict security standards and procedures to prevent unauthorized access to information about you. HSBC will never contact you by email or otherwise to ask you to validate personal information such as your Username, Password, or account numbers. If you receive such a request, please call our Customer Relationship Center at XXXX ( XXXX ) or call collect from anywhere in the world at +XXXX XXXX.
Privacy | Security | Terms & Conditions | HSBC Accessibility Issued by HSBC Bank USA, N.A. Member FDIC.
HSBC Bank USA, N.A. 2019. All rights reserved.
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| 04/08/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Back in XX/XX/XXXX we refinanced our house with HFC Mortgage, our daughter was getting married and we needed some cash out. One thing that was odd right at the first was instead of giving us the additional equity cash out they gave us what they called a side car loan which was a credit line with a fairly high interest rate. A few years later my wife started having health problems and was taking a lot of unpaid time off of work also we had had our son and his wife and children move back home with us. This put a lot of financial stress on us, this was after the financial collapse and we were unable to refinance again to get the payment back down to a lower rate. I had heard about a lot of institutions offering modifications to help distressed borrowers so I contacted HFC in writing and explained our situation and ask for a loan modification. A while later I got a letter back in the mail stating they were under no obligation to modify our loan. We continued to struggle with the monthly house payment of {$1300.00} at I believe 9.72 % interest. We later filed chapter XXXX bankruptcy we did out best to stay on top of the house payments. The bankruptcy was later dismissed because we could not keep up with the plan payment. Again I ask HFC for a modification and got the same response. Now to present day, we are in a better situation so we are trying to refinance the house. HFC sold our loan to XXXX. When our mortgage broker requested a payoff from XXXX it came back with {$9200.00} added to the end of the loan for a supposed re-age agreement. I never entered into a re-age agreement with them, I never signed this agreement. Both times I requested assistance from them I was declined in writing. They never contacted me back by phone or any other to discuss this option with me and I was totally unaware. Now they are sayng they have put seven payments to the back of our loan. Our mortgage underwriter is asking for a copy of this re-age agreement and an explanation. I went to XXXX and ask for this there is nothing in the file sent to them from HFC so they reached out to HFC and requested a copy of the document. It was to be sent to both them and myself this was requested on XX/XX/XXXX and we still do not have it. On XX/XX/XXXX I called HFC and ask for a copy of this they told me it would take at least 15 days to produce it. Today is XX/XX/XXXX and I still do not have it. I have often thought because this is an investor backed conventional mortgage HFC was doing anything they could to keep this mortgage afloat and keep us paying this high interest rate. They are more concerned about their investors than anything else. I also work in the financial industry and I do know the CFPB guideline about extending credit ( payments to the back of the loan ) the makers must provide proof of the ability to repay the debt ( proof of income ) and sign a statement to this effect. Provide a written hardship letter and all parties on the note must sign the re-age or extension agreement. The house payment to income ratio and the overall debt to income ratio must be within industry standard guidelines. This did not happen in this case. We signed nothing and provided them with no proof of income or anything else.
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| 01/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I was granted court ordered modification review after HSBC bank admitted negligence. I also was granted a previous court order from dissolution of marriage and final judgment where the court enjoined me to the existing home loan so I could be eligible to apply for a loan modification. The family court was also advised the other party, namely my ex-wife ( XXXX XXXX ) was filing chapter XXXX bankruptcy and she had notified HSBC bank of this. The court ruled in my favor with the fact that XXXX was discharging her obligation and rights as the person responsible for the mortgage debt to which the court ordered the loan debt be transferred to me.
I notified the court I wish to keep the home for the safety and welfare of children which I was granted sole custody due to XXXX was convicted after a federal investigation. HSBC has admitted negligence concerning my right to apply for a modification loan and during the court ordered review failed to notify me that XXXX XXXX XXXX was non compliant with the court order and also HSBC failed to transfer client rights and authority of the loan fully knowing that XXXX XXXX had successfully been granted a chapter XXXX bankruptcy and therefore had no client privileges which should have been transferred to me by the supporting court orders resulting in HSBC continuing to show prejudiced and negligent acts towards me and ignoring the court orders. These acts of negligence by HSBC resulted in the modification process to break down and HSBC attempted to transfer the blame on me and refuse me client privileges during the whole process. HSBC bank also admitted negligence by their attorneys who had been instructed to cancel the foreclosure sale date set with the courts for XXXX XXXX, XXXX.
HSBC attorneys filed negligently and incorrectly on the same day as the court sale date with an incorrect motion that was rejected by the court and denied resulting of the sale of the home and me losing title of the property. HSBC admitted further negligence to me and filed an appeal in court to have the ruling over-turned and was denied due to an improper motion filed. HSBC failed to correct their negligence to return title to me and further denied me any rights to a court ordered modification review by making false statements concerning the facts and damaging my reputation.
I filed a previous complaint with CFPB in XXXX XXXX and did not receive a reply till XXXX XXXX XXXX resulting in further harm to my case.
HSBC has filed a writ of possession in XXXX XXXX to seize the home, making the family homeless. I filed a formal complaint in XXXX XXXX with the Office of the Florida Attorney General who have upgraded an investigation and who I am currently giving evidence and formal testimony to. This investigation is ongoing based on the complaint and actions of HSBC bank. I filed a formal complaint with the Office of Congressman XXXX resulting in a formal ongoing investigation.
I am requesting for foreclosure proceedings to be reversed to mediation, writ of possession to cancelled, my name to restored to back on the title, to be given legal client privileges and for loan modification. I have filed an emergency motion to stay writ of possession on XXXX XXXX XXXX.
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| 07/07/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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I am filing this compliant regarding how HSBC handled my request to transfer the funds in my Roth IRA account. On XXXX XXXX, 2017 ( see enclosed copies ) I reached out to my relationship manager, XXXX XXXX, for assistance with rolling over my IRA accounts ( XXXX XXXX & XXXX XXXX ) to my accounts with XXXX. After no response to my initial e-mail, I e-mailed him again and he wrongly responded that XXXX needed to initiate the process. After several months of XXXX not being responsive, he admitted over the phone that he was not familiar with the process. Growing increasingly frustrated, I asked that he forward me to the appropriate person and he e-mailed me an incorrect phone number that was not available. In XX/XX/XXXX, I proceeded to call HSBC customer service who instructed me to download and submit various forms. I then called almost every day for several weeks ( sometimes waiting on hold for 30 minutes ) to confirm that the correct forms were filled out and received while also communicating with XXXX and requesting letters that HSBC required from them. After much back and forth, a representative named XXXX from HSBC customer service informed me that HSBC was not able to roll over my Roth IRA account to XXXX and that XXXX needed to initiate an ACAT transfer. On a conference call on XX/XX/XXXX a XXXX representative informed an HSBC representative that XXXX does not do ACAT transfers ; therefore, HSBC said the only option was to issue me a check for the funds, which I could then mail to XXXX. I asked for explicit instructions on how to fill out the necessary IRA Distribution Request and then faxed it as instructed. On XX/XX/XXXX, I received a check issued on XX/XX/XXXX for my Roth IRA funds and was shocked that 10 % was taken out for Federal Taxes. HSBC said they attempted to contact me on Friday XX/XX/XXXX. I did receive a message on my home answering machine, which I did not hear until late Friday when I arrived home and obviously assumed I would not be able to reach anyone over the weekend. When I called HSBC on XX/XX/XXXX, they said I did not fill out the IRA Distribution Request form correctly and failed to select the option to not withhold federal income tax. When I informed the representative I was speaking with that I filled out the form as I was instructed by HSBC and asked if I could void the check and resubmit the forms, the representative said it was too late and the funds were already sent to the IRS. I am appalled at how HSBC has treated me throughout this whole process, which I initiated five months ago. I have been misinformed and ignored repeatedly. I have been so upset with my interactions with everyone at HSBC, especially XXXX XXXX, that I have since closed all my accounts with HSBC. I believe that HSBC should return the {$1400.00} taken out of my funds since this was without my knowledge and HSBC never allowed me enough time to contact them and correct the error on the form that was made as a result of their instructions! HSBC should have allowed ample time for me to call them back before issuing the check or they should have attempted to contact me more than once. I have already sent a letter of compliant to HSBC, which they have not responded to.
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| 03/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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I am a cardholder of a mastercard credit card issued by HSBC US. I issue this complaint about HSBC US 's eggregous handling of my request to initiate a payment dispute.
On XX/XX/2022, I contact HSBC US customer service to request initiation of a dispute against merchant XXXX requesting refund of an airline ticket purchase, due to repeated failure of the merchant to rebook my flight following their cancellation of the flight.
Two weeks later on XX/XX/XXXX or XXXX, I called HSBC US to inquire about status of the dispute. The customer service agent ( XXXX ) instructed me to send an email to XXXX with the case ID ( case ID XXXX ), the relevant details of the dispute and supporting documents. I sent such email in accordance with her instructions on XX/XX/XXXX. I have attached that email here.
Approximately 1 week later, HSBC US customer service agent XXXX called me to ask if I had submitted the email as instructed. I expressed surprise that she did not know the answer to this question, but answered that indeed I had sent the email. I provided XXXX with the email details, and XXXX said that she would follow up with the billing department. I asked how long to get the refund processed- she said 45 days.
On XX/XX/XXXX, I received a letter in the mail from HSBC US billing department stating that " our earlier attempts to reach you have been unsuccessful '' and requesting me to submit the dispute form. I attached such letter here.
On XX/XX/XXXX, I again contact HSBC US customer service and inquired why I received the letter given that I already submitted the dispute form via email on XX/XX/XXXX. I said that I was sending a copy of the email and attachments to HSBC US via snail mail ( but mentioned that they should not require correspondence via snail mail in the year 2022, especially when their own customer service rep told me to send an email ). The rep said that he would check with the billing dispute department.
On XX/XX/XXXX, a rep from HSBC US billing dispute department finally called me. She said that she didn't anything about the email that I had sent and that she would check with their " email department ''. She requested the dispute information and said she would now initiate the dispute with Mastercard, and processing of the refund request would take 45 days. I issue this complaint to CFPB because M
astercard should have initiated the dispute when I initially called them for this purpose on XX/XX/XXXX or at the latest when I sent them the requested information on XX/XX/XXXX. Over a month has elapsed since I initially requested to initiative a dispute on XX/XX/XXXX. When I complained about this to the HSBC US billing disputes rep, she put the blame on Mastercard and said there is " nothing I can do '' about the 45 day timing. I explained to her that as a cardholder I have no access to Mastercard and must rely on HSBC US as my issuer to help me to initiate the dispute in a timely manner. Due to the gross negligence of HSBC US, the dispute initiation was delayed for an extremely long time. The delay is having a terrible on my family which I will not get into here. HSBC US should take responsibility and improve their customer service capabilities.
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| 11/22/2016 |
Yes |
- Money transfers
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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On XX/XX/2016 I requested a wire transfer of {$22000.00} from my personal checking at HSBC account to a domestic non profit checking account at XXXX belonging to a foundation that was managing a pleasure trip to XXXX that I was taking. The transfer was processed via internet and all requested information was given. The funds were withdrawn from my account immediately, a fee was charged and the transfer confirmation said the funds would be available by XXXX XXXX. I was surprised by the length of time the transfer would take so I spoke to a customer person on XX/XX/XXXX who said without doubt the funds would be received before XX/XX/XXXX, probably by XX/XX/XXXX. There was no mention that there was a problem with this transaction. On XX/XX/XXXX XXXX had not received my wire transfer. Also on that date I received a call from XXXX XXXX XXXX from HSBC, VP Premier Relationship manager, who informed me that the funds would not be transferred until an XXXX license # was provided due to the mention of XXXX ( I explained to him it was a touristic trip, not business ) and that the funds were on hold until the license # was provided which was done on the same day it was requested. The foundation that was managing mt travel arrangements for XXXX said they had never experienced this before in dealing with tourists and XXXX. Nevertheless the info XXXX XXXX required was provided immediately. Despite this, the funds were never released and despite many emails and unanswered phone calls ( 25 to 30 ) to XXXX XXXX with many messages left stating the urgency of XXXX receiving the money ( to pay for my trip which was on XX/XX/XXXX ). Due to XXXX XXXX 's lack of responsiveness and lack of professionalism, I had to find under great stress another means to cover my trip. Since then I have tried to get the funds ( which are still on hold ) returned to me along with the fees I paid. On XX/XX/XXXX while Ii was out of town XXXX XXXX who finally answered his phone told my bookkeeper ( who I had told XXXX XXXX was authorized to speak on my behalf to resolve this matter ) that in order to do this I must call a service representative at XXXX. I did, I was transferred several times and placed on hold for 45 minutes. The agent who I finally spoke to referred me back to XXXX XXXX an said it was XXXX XXXX 's responsibility to execute the process for this. XXXX XXXX was called back and left this info in a message and he was asked to call me back ASAP and he has not returned the call. It has now been a week since this message was left and XXXX weeks since the transfer originated and I have not received my funds back into my account! I have had no notification in writing or paperwork informing me that my funds were being held, the reason and length of time they would be on hold or how to proceed to get the funds returned to my account. For this reason I went on XX/XX/XXXX to HSBC in person and they told me they would get back to me. The HSBC failure of performance, care and professionalism after over twenty five years of a banking relationship has caused me enormous financial problems to say nothing of the great XXXX surrounding this matter. I need your help to resolve this matter. Many thanks.
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| 10/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American, Servicemember |
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PRETEND LENDER-HSBC BANK USA, XXXX sold by HSBC NOT THE REAL PARTY NOR HOLDEROF THE NOTE NOR DEED-XXXX XXXX & XXXX 'S filed by XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX : Notice of Error & Request for Information/NOTICE TO FILE COMPLAINT FOR RECISSION, DAMAGES, & JURY _____________________________________________________________________________Filing a False Claim Index No. : XXXX in SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF XXXX filed by XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX & XXXXXXXXXXXX XXXX XXXX extension XXXX to : Mortgage Service Center XXXX XXXX XXXX MD XXXX XXXX : XXXX. XXXX XXXX XXXX Owner of warranty Deed grantee by acceptance Book Type : XXXX XXXX : XXXX Page : XXXX FOR XXXX XXXX PAGE XXXX XXXX XXXX XXXX XXXX COUNTY CLERK 'S OFFICERE : fake loan XXXX lacking standing and not the real party of interest Rule XXXX ( XXXX ) XXXX BalanceRE : Property Address : Care of XXXX XXXX XXXX XXXX New YorkXXXXFormal Notice given File suit under the FDCPA seeking statutory damages of {$2000.00} plus the value of the property XXXX equal to $ XXXX Right of Rescission and lack of Proper NoticeNOTICE OF RIGHT OF RESCISSION/RIGHT TO CANCEL BASED ON FRAUD PRETEND LENDER HSBC BANK USA BREACH OF CONTRACT LACKING FULL DISCLOSURER AND TAX EVASION $ XXXX balance Mortgage on Property Situated at : Care of XXXX XXXX XXXX XXXX New York Affidavit of XXXX XXXX XXXX report forward to IRS XXXX DEPARTMENT IRS FORM XXXX XXXX XXXX Aiding and abetting generally means to somehow assist in the commission of a crime, or to be an accomplice. It involves a plan to commit a crime or to commit acts, the probable consequences of which are criminal ; Tax Evasion and Money Laundering & DOES NOT DEMONSTRATE THE EVIDENCE OF THE DEBTNOTICE TO PRINCIPAL IS NOTICE TO AGENT ; NOTICE TO AGENT IS NOTICE TO PRINCIPALYOU ARE PLACE ON NOTICE XXXX XXXX XXXX XXXX 'S filed by XXXX XXXX & XXXX XXXX XXXX, XXXX. XXXX & A XXXX AT XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX : Notice of Error & Request for Information/NOTICE TO FILE COMPLAINT FOR RECISSION, DAMAGES, & JURY Fraud and racketeering ; Fraud by Wire ; XXXX Conspiracy ; Mail Fraud ; Money Laundering Conspiracy ; Aiding and Abetting ; Securities Fraud ; Filing False Registration With the SEC ; False Filings With the SEC ; Falsification of Books and Records & False Statements 18 USC Section 1001 & FEDERAL BANKING CRIMES 18 USC 4 - Misprision of felonyWhoever, having knowledge of the actual commission of a felony cognizable by a court of the United States, conceals and does not as soon as possible make known the same to some judge or other person in civil or military authority under the United States, shall be fined under this title or imprisoned not more than three years, or both.
18 USC 225 - Continuing financial crimes enterprise,18 USC 215 - Receipt of commissions or gifts for procuring loans,18 USC 241 XXXX Conspiracy against rights,18 USC 656 - Theft, embezzlement, or misapplication by bank officer or employee,18 USC 657 - Lending , credit and insurance institutions,18 USC 1005 - Bank entries , reports and transactionsHSBC DOES NOT HOLD THE DEBT AND SOLD MANY TIMES
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| 07/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I have been misinformed at least 4-5 times about the travel rewards program, the mileage need to get various awards, and the cost of the reward, in miles, when I use the two separate ways of redeeming miles : either as a statement credit or through the HSBC Travel Rewards department. Addressing the latter, I was told that the cost would be the same if I used either method, but that is not the case. I specifically called the travels reward and asked about this twice before purchasing my ticket. Each time I was given what I would learn was erroneous information. I now know, learning the hard way, that if I would have used the travel rewards department, it would cost only 24,000 miles for a ticket of up to {$400.00} ; however, if I got a statement credit, it would cost 30,000 miles for a reimbursement of {$400.00} for a ticket that costs AT LEAST {$400.00}. So if I tried to get a reimbursement at the ticket did not cost {$400.00}, I would only be eligible for the {$200.00} credit. Why HSBC could not explain this two me on either of the two calls I placed is beyond me. I had the reservation on hold and could have had them purchase it, but since they supposedly cost the same I decided that I would prefer just getting the statement credit.
I purchased the ticket that cost less than {$400.00}, so when I called to get the statement credit a couple of days after I purchased the ticket, I was told that I could only get a {$200.00} credit for 15k miles. I complained and told them I was misinformed and they said they would review the call, but I was also told that if I made other purchases related to the same ticket and they totaled over {$400.00}, I could then use the 30k miles to get a {$400.00} statement credit. While I was upset that I would lose 6k miles, I accepted this and planned to upgrade my seat on the flight to surpass the {$400.00} plateau. Before I made the upgrade, I called again to ask if I could aggregate the purchases to get the credit and I was told I could. In fact I had called a week earlier to ask the same thing and, again, I was told that as long as the purchases totaled over {$400.00}, I could get a {$400.00} credit for 30k miles. I made the purchase and called in yesterday to get my credit when I was told that I could not aggregate the purchases and that all I could get was a {$200.00} credit. I then complained again. I was furious that I had been misinformed again. I was promised that I would get a call back at XXXX XXXX after the supervisor, who refused to give me any sort of identification other than her first name. I was called at XXXX and after I inquired why they did not call me at XXXX XXXX as promised, the representative told me She was on another call, though I have trouble believing she was on a 55 minute call.
I am now waiting for a call back, supposedly by XXXX , but I have little faith that this will be resolved unless I file this complaint. This is not a new issue with HSBC. There is a reason why I called to confirm so many times. I have been misinformed several times over the years about several different topics and the only thing I get is apologies, but it seems they feel as they have no accountability.
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| 09/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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HSBC mortgage is refusing to update my credit file to reflect my mortgage was an account in good standing, never late that was transferred to another servicer- ( XXXX ). They are incorrectly reporting that this mortgage as having been discharged through chapter XXXX bankruptcy, delinquent and derogatory. There has NEVER been a late or missed payment on this account and it was NOT discharged in bankruptcy. I sent XXXX and XXXX XXXX a copy of my schedule F bankruptcy petition to show the list of creditors that WERE included, paid for and discharged by the chapter XXXX bankruptcy as proof and they didnt update the report either. Only XXXX agency-XXXX updated all the records on my file and is reporting everything correctly. HSBC has been sending me letters of apology from their credit retraction department saying this would be fixed and my credit history restored since XXXX of 2014 and it has not been done to date. After speaking with HSBC bank again today they advised me since I had filed a bankruptcy petition they had a right to report the loan as derogatory and discharged because I had a bankruptcy that was discharged-regardless of the fact that the loan was not included, paid, scheduled to be paid or discharged by the chapter XXXX trustee. Also regardless of the fact that it was always paid on time-never delinquent or derogatory. I was advised by HSBC they could report the loan as derogatory and delinquent just because I filed a bankruptcy. They are refusing to correctly report the status of my loan which is hurting me financially. I am a landlord and can not refinance my properties to purchase additional properties due to this incorrect derogatory information that HSBC mortgage is maliciously reporting. HSBC has now also had their servicer- mortgage service center CHANGE information on my credit report to reflect my current mortgage with them is now CLOSED and DISCHARGED thru bankruptcy! My XXXX credit score just went down to a XXXX because of actions HSBC bank has maliciously taken! I have other mortgages with other banks and have not had this problem with them. I asked HSBC to prove ( validate ) when my account was ever late, delinquent, derogatory or discharged thru chapter XXXX bankruptcy and was advised by representative " XXXX '' at XXXX that " its not their job to prove anything to me. '' Its HSBC Mortgage 's JOB to ACCURATELY report the STATUS of my loan and payment history to the credit bureaus-XXXX and XXXX- which they are refusing to do. If they insist that this loan was a derogatory, negative, delinquent account that was discharged through bankruptcy then I want them to prove when it was delinquent, negative or derogatory and to also prove that it was discharged in bankruptcy. I was able to choose who I wanted to include in my chapter XXXX bankruptcy-because those were creditors that were being paid by the trustee. I did n't have to include accounts in good standing as they were not accounts in default that I needed to put on a payment plan. I had XXXX mortgages discharged in my bankruptcy, they were stripped from my properties even though they were lien holders. HSBC was not XXXX of them or they would have been stripped as well!!
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| 04/27/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Da y 1 : Received an " unknown '' phone call, asking where I was yesterday, XXXX XXXX , XXXX , in order to drop off some papers. I was very uncertain about what " papers '' these could be, and all the girl said, was, " They did n't call you and tell you? I can give you the number and you can call them first to see what it 's about before I drop off the papers. '' Stunned, I called XXXX . I was not introduced with the name of the office. Instead, I was prompted to give them my social and some reference number. I was transferred to XXXX XXXX , who pulled up a " complaint, '' in the county that I live in. I was stunned further, because I am an upholding citizen who does n't violate the law, so how coul d the COUNTY complain? He went further to state an old credit card company I paid off SEVEN YEARS AGO, in which it would have fallen off my credit ( and it has ), was SUING me after " multiple attempts '' to reach me. He was calm, cool, and collected, casually spewing off the name of the original bank, and then the debt collector it was sold to. I informed him that not only was this very old debt, but one I 'd settled with the bank years ago, and that they never contacted me since, and it was only until last year that I got threatening phone calls and " documentation '' of my original agreement. He advised me to get a hold of them to confirm the debt was paid off, and that if I did n't call him by XXXX XXXX the next day, he would have to proceed with the collection agency to take me to court. In a nutshell, I called both entities, the originator and the collection agency with no success. Da y 2 : Extremely perturbed from the day before, I called XXXX promptly to avoid delay. I asked him what he could do without having to go to court. He said the collection agency gave XXXX options of payment. I then proceeded to ask him what I could do if I was able to locate the documentation. He began stuttering and would n't give me a direct answer. He said that I would just have to keep trying to call the sources linked to my payment years ago, and that was it. He would n't inform me of how I could take reverse action if I located documentation of my payment. This debt is so old, it is n't on my credit report any longer. He said to call him back when I figure out a way to pay the debt off. My wonderful fiancee and I have spent HOURS today since getting off the phone with XXXX , and have come to find that this is an illegitimate practice. First, XXXX XXXX XXXX XXXX is not a public domain, one that is found online to research. They claim to be in a nearby city, but their name and number, again, ( XXXX ) XXXX , come up as nothing but scam, with hundreds of complaints against them. A true attorney and legal office would have viable public footing online, to where you can see and review their practice, for their benefit of acquiring clients. If a subpoena were going to be served, they would not call ahead of time to locate you. The point is to get you to accept the papers without prior notice. I am now at the point where I feel illegally harassed and threatened, and feel the need to take legal action myself.
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| 12/20/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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On XX/XX/2018 ; I opened an HSBC Premier account online as per the rules of an offer from HSBC, so I may obtain a {$750.00} bonus from them.
On XX/XX/2018 ; I added my wife as a joint account member at a local branch of HSBC in XXXX PA, and fully funded the account over {$100000.00} that day, using a combination of Premier account funds and a Certificate of Deposit, as per the qualifications of the {$750.00} bonus offer.
The bonus offer stipulates a minimum balance of {$100000.00} must be maintained for 90 days and afterward a {$750.00} bonus will be given within the following 60 days.
We have maintained a balance over {$100000.00} FOR OVER 190 DAYS NOW AND STILL HAVEN'T RECEIVED THE {$750.00} BONUS FOR THE HSBC PREMIER ACCOUNT.
I have contacted HSBC 6 TIMES now, and they have agreed on several occasions that I have qualified for the bonus and should have received it.
They have stated 4 times that they will look into the matter and call me back but did not call back on the dates they said they would call.
There were 2 occasions I did receive a call back to be told there has not been an an answer to when the bonus would be received.
I see many other complaints online regarding HSBC falsely advertising an account bonus and not paying the bonus.
It is nearly 7 months since my account has been opened and fully funded.
I should have received the bonus within 5 months per HSBC, but I have not received the bonus.
Seems like HSBC is fraudulently offering a bonus to lure in customers. How else should I feel?
Timeline : Account opened XX/XX/2018 online.
XX/XX/2018 wife added as joint account member and account fully funded.
XX/XX/2018 I called HSBC and spoke with XXXX to report not receiving bonus. response was I should have received bonus and claim opened in rewards campaign department at HSBC.
XX/XX/2018 I called HSBC and spoke to XXXX to report not receiving bonus. response was I should have received bonus and claim opened in rewards campaign department at HSBC.
XX/XX/2018 I called HSBC and spoke to XXXX to report not receiving bonus. her response was I had qualified for the bonus and should have received it. She said she took screen shots of our account and forwarded them to the rewards campaign department for resolution.
Now we have 2 claims opened in the rewards campaign department at HSBC.
XXXX said she would call us back on XX/XX/2018.
XXXX did not call back.
XX/XX/2018 I called HSBC and spoke to XXXX and XXXX to report not receiving bonus they agreed I should have received the bonus but there was no answer yet as to when it would be paid.
XX/XX/2018 XXXX XXXX received a call from XXXX at HSBC stating no answer yet as to when bonus will be paid. She said it may take a few more days and she would call me back.
XX/XX/2018 I called the HSBC branch in XXXX XXXX and spoke to XXXX to report not receiving bonus.
Again we were told there was no answer yet as to when the bonus will be paid.
HSBC needs to pay us the {$750.00} Premier account bonus or be held accountable for fraud and false / misleading advertising, and face severe financial punitive damages for knowingly doing so and failing to take corrective action.
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| 06/04/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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XX/XX/XXXX To the Manager Consumer Assistance Unit, Real Estate finance XXXX Dept of Financial services Dear Madam/Sir Sub ; Complaint against HSBC for imposing arbitrary charges on Home Equity. Loan Number : XXXX Sequel to earlier complaint case number : XXXX filed on XX/XX/XXXX Good day The salient points of my case are : An original agreement was signed with HSBC in XX/XX/XXXX. After many years of regular payment, there was a discontinuation of payments due to financial hardship. Subsequently a New modification was made in XX/XX/XXXX and a new amount of {$91000.00} as total payment was agreed on. An amount of {$14000.00} was added to the balance of {$76000.00} making the total of {$91000.00}, and I was asked to pay {$510.00} each month which I have been doing without any delayed payment without interruption. However eleven months later in XX/XX/XXXX, HSBC slapped in new charges, arbitrarily, of {$6700.00} and declared that it was to cover Attorney fees and other charges ( see letter attached from HSBC ).
I OBJECT to the imposition of these additional charges of {$6700.00}. Example in a letter sent by HSBC on XX/XX/XXXX, in the Assessment charges it includes a levy of {$2300.00} as Servicing fees, This is ridiculous since the Servicing fee is paid by the Investor of the loan and I should have nothing to do with it.
The modified agreement made in XX/XX/XXXX replaced the original Note of XX/XX/XXXX and the finalized balance payment amount of {$91000.00} holds validity. The agreement on XX/XX/XXXX clause XXXX explains that the additional sum of {$14000.00} was meant to cover Interest and other expenses.
The modified agreement of XX/XX/XXXX includes all charges including reasonable attorney fees, as it is absolutely customary to include all legal fees in the arrears total.
XXXX XXXX XXXX, the modification counsellor helping me, had forwarded my signed Qualified Written Request letter dated XX/XX/XXXX seeking account history since inception to find out all fees and assessments since origination. Please see attachment. This has not been provided.
Arbitrary addition of charges opens up the possibility of HSBC having the right to impose charges at will and at any period of time during the duration of the agreement. This is illegal and unacceptable.
I REQUEST your intervention and see that the slapped-up charges of {$6700.00} are removed and the balance of the agreed original amount, {$83.00}, XXXX be restored as the correct balance to be paid. ( See the latest HSBC statement ).
I pray you are doing well and hopefully we will get out of the pandemic gloom and financial nightmare. I am a retiree and just celebrated my XXXX birthday. I am looking forward to an early resolution of the case so I can explore getting a refinancing done on a lower market rate.
Thank you very much Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Attachments : a ) Loan agreement of XX/XX/XXXX b ) Modification agreement of XX/XX/XXXX c ) HSBC statement of XX/XX/XXXX showing balance of {$83000.00} PLUS the Assessment charge of {$6700.00} d ) My Qualified Written Request seeking account history since inception e ) Responses from HSBC.
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| 07/07/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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First your site timed me out while typing so I now have to type my complaint again. I do not type quickly as I have an injury that caused a XXXX as is now finally healing so please adjust your site to ask if the applicant needs more time.
My complaint was filed with your agency before and also with the Florida Office of Financial Regulation twice. All were closed without a proper response by HSBC Bank.
HSBC did an illegal modification of my home equity line agreement which was on time and up to day with additional principal payments in XX/XX/XXXX without benefit of income verification nor my acceptance in accordance with their own home equity line agreement. I was denied XXXX times for modification with the reasoning of too much income, too little income, and no income. The latter was for a program designed for borrowers anticipating receipt of future income. For me this was Social Security XXXX which I was later awarded. Yes, I was declined for having no income at the time of application.
I advised XXXX XXXX of HSBCs intent to foreclose. I was advised they never knew about it so they wo n't do anything to stop it. I worked for XXXX XXXX since XXXX Bank. I made sure that HSBC received the completed subordination agreement in XX/XX/XXXX and when the modification of my XXXX mortgage was applied for they were again notified in writing. I have a copy of the XXXX XXXX file provided by the XXXX XXXX Modification Department. These copies show they were notified yet they do not want to do anything.
While recovering from significant injuries sustained in a car accident caused by an older man with cataract and subsequent complications to XXXX XXXX XXXX, XXXX XXXX, and XXXX, I still paid these inflated payments with reduce income exhausting my personal savings and my retirement in the process. This als had a negative impact on my credit history bringing my nearly XXXX beacon score down to XXXX. I am a XXXX by profession. I had several job offers given my experience and references, but once my credit was reviewed, the offers employment were withdrawn. I was previously well respected in my field. This was heartbreaking on the top of injuries to loose what I had worked so hard for and not be able to support myself. I was forced to accept a position as XXXX earning {$XXXX} from my prior low income of {$XXXX} as they did not review credit. This violation of my rights has caused me significant hardship.
I have been in contact with the office of Congressman XXXX XXXX XXXX. A representative, XXXX XXXX XXXX, has consented to assist me as she feels strongly that my rights have been violated. She has copies of my Heloc agreement, the Intent to foreclose, the previously filed complaints and other documents. I am currently awaiting a response to a message I left advising that I had obtained the XX/XX/XXXX - XX/XX/XXXX bank statements from from XXXX XXXX Bank on an account I closed in XX/XX/XXXX. I am confident now that with both the Congressman 's office and the Bureau of Consumer Protection on my side that there will be justice and HSBC will be held accountable for violations and they injustice they have perpetrated on an innocent consumer.
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| 06/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I emailed the credit card dispute department and advised them that I didn't receive what I purchased on XX/XX/XXXX, and that I'd like to dispute the charge, after contacting the seller and advising them that I would like to return the item and receive a refund. I attached pictures of what was ordered and what was received.
The credit card company responded by sending me a correspondence dated XX/XX/XXXX, requesting that I provide them with a letter from a professional beautician attesting to my claim that I didn't receive what I paid for.
On XX/XX/XXXX, I submitted a letter from the beautician who attempted to install the wig, along with pictures of what I ordered and what I received.
I received a letter dated XX/XX/XXXX, advising me that I received a provisional credit.
Then, I received a letter dated XX/XX/XXXX, stating that the company responded with proof that they shipped the item and that I would need to respond by XX/XX/XXXX, with additional documentation, and to request to reinstate my dispute.
I called HSBC bank on XX/XX/XXXX and spoke with XXXX who informed me to email the credit card dispute department and reference Case ID : XXXX. I emailed the same documents, including a statement from a licensed cosmetologist to the dispute department.
After resending the information to the credit card dispute department, on XX/XX/XXXX, HSBC charged the {$140.00} back to my account.
The dispute department has never tried to contact me by phone or email. And there's no way to contact them other than to contact Customer Service, whose absolutely no help. They can only read the letters the dispute department mailed me, that I already have in my possession. It's beyond frustrating.
I contacted HSBC on XXXX and spoke with XXXX, on XX/XX/XXXX I spoke with XXXX, on XX/XX/XXXX, I spoke with XXXX, on XX/XX/XXXX, I spoke to XXXX, on XXXX, I spoke with XXXX, on XX/XX/XXXX, I spoke with XXXX, on XX/XX/XXXX, I spoke with XXXX, on XX/XX/XXXX, I spoke with XXXX and ( allegedly her escalation mgr. ) XXXX. He was XXXX and kept speaking over me, I begged him for the correct Case ID number for over 10 minutes. He kept insisting that he didn't understand my question ( what my Case ID for {$140.00} ) is. My XXXXXXXX asked why he wouldn't provide me with it. He put me on hold several times with only silence, no music, while he attempted to locate the Case ID, allegedly.
I called back on XX/XX/XXXX and spoke with XXXX, and her manager-XXXX just to confirm what the correct Case ID should be.
On XX/XX/XXXX, I emailed the same documents to them and explained ( again ) that the dispute was regarding what I paid for and what I received, and that my dispute was never that I didn't receive the merchandise. They didn't read/pay attention to my dispute or they would know that the dispute wasn't regarding that I didn't receive the merchandise.
This is deplorable that there's no means of contacting the dispute department other than emailing them and waiting for them to correspond via mail, which takes weeks. What's even worse is that their Customer Service is incompetent and can't even reach the dispute department.
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| 07/22/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2021 I went into HSBC bank in XXXX XXXX, New York in order to dispute a charge from a merchant called XXXX XXXX. This company had made unauthorized charges on my HSBC debit card in the amount of {$150.00} and {$50.00}. I filed my dispute and was told that I would be given provisional credit. This credit was processed on my account and I had hoped that the matter was resolved. XXXX XXXX had already told me that I would be refunded my money, however since they had not actually issued the refund and I did not trust that they would, I decided to dispute the charge. This company has yet to issue me a refund even though I have an email from them stating that they would. This company has received many XXXX XXXX XXXX complaints and I suspect they are not a legitimate business. Despite this, HSBC sent me a letter which I received on XX/XX/XXXX, threatening to reverse my provisional credit based on the company 's response to my dispute. HSBC gave me only 3 days to respond to this threat and did not include an email or a direct phone number to their billing dispute department in their letter. I had to call and speak with several people at HSBC before finally obtaining an email address to send my response to. I informed HSBC that I did NOT want the provisional credit removed, that I was still asserting it was an unauthorized transaction and I told them once again the company already admitted wrong-doing and promised me a refund. I even forwarded an email I received from XXXX XXXX where they had in writing that they intend to refund my money due to their error. Despite this on XX/XX/XXXX, HSBC reversed their provisional credit of {$150.00} based on information that did not prove that I authorized the transaction. This bank decided to side with a fraudulent company as opposed to one of their long-time customers. In addition, I am supposed to receive a certain amount of consumer protection when I use my HSBC debit Mastercard to make purchases. Therefore, I do not know why HSBC is bumbling their handling of my transaction dispute. I feel as if I have to jump through hoops in order for HSBC not to pay a merchant that I said made unauthorized charges against my account. I am supposed to have automatic protection when a merchant uses my account without my expressed permission and authorization. I told HSBC that I never gave XXXX XXXX permission to charge me an additional {$200.00} and they provided no proof that contradicted my statement. HSBC has been difficult, unhelpful, and unprofessional in their handling of my dispute. I also feel that they are not complying with the written agreement regarding the financial protections that I am supposed to have when using a card with a Mastercard logo. I am not supposed to be held responsible for unauthorized charges against my account, period! If HSBC wants to show me written proof where I signed for or authorized this merchant to charge me {$200.00} in additional fees, then they need to produce that information. An unsigned piece of paper from the company saying they have the right to charge additional fees is insufficient because you can not prove that I agreed to pay those fees!
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| 09/23/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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US HSBC XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I deposited US {$80000.00} to apply for a nine-month 5.25 % time deposit. I waited for several weeks with no response. I called several times and some responses were that the application could not be found, and some responses were that it was being processed, but the responses were all different.
XXXX. I also submitted a credit card application in XXXX, but there was no news. I asked for the same reply multiple times, either the application information could not be found or it was still under review. Multiple replies with different answers.
XXXX. There was no result notification in XXXX. I asked customer service again and submitted the application again. There was no news for half a month. On XX/XX/XXXX, the account showed " Sorry, there was a problem loading your accounts. Pull down to refresh.Error code XXXX '' " It's been like this all week.
XXXX. Asked the bank customer service and the reply was that the account was locked. What's the reason? The customer service reply was unclear and asked me to wait. Two weeks later, it is still locked. I called customer service again and contacted the bank 's security department. The security department told me that they didn't know the specific situation and told them to wait. It would be unlocked after a few days. After a few days, it would still be locked.
XXXX. Finally, when asked about the specific reason, the banks answer was unclear. When will the account be unlocked? The banks customer service response was unclear and there was no specific time limit for them to continue waiting.
XXXX. For such a baseless service, leaving my {$80000.00} in the bank has no value. Any banking transaction is chaotic. And they locked my personal account without any reason or reason.
XXXX. Regarding the same problem, I searched on the Internet and found that there are many similar problems, especially for international users in the XXXX XXXX region who have locked their cards and closed their accounts on a large scale without any reason. I dont know which US law stipulates that users in XXXX XXXX are treated so differently. Is this XXXX discrimination?
XXXX. Due to language and geographical issues, many people encounter such discrimination and unfair treatment and have no channels to speak out or a platform to complain. My complaint reflects the hope that the relevant departments in the United States will take it seriously, review and handle it properly, and provide a reasonable solution.
XXXX. Moreover, the above-mentioned unreasonable discrimination is unfair. Are their bank 's practices reasonable and standardized? Does it comply with industry regulations? Is it legal and compliant and does not violate relevant laws?
XXXX. Regarding the above description, I can cooperate to provide more information to help your supervision, and the banks customer service should also have recordings that can be investigated. Please also investigate what I said about the large-scale unreasonable discriminatory treatment in the XXXX XXXX XXXX XXXX. I hope that HSBC XXXX XXXX XXXXXXXX will not discriminate against our users in XXXX.
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| 09/09/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I 've had an account with HSBC for about XXXX years and in XXXX they began asking me for information to elaborate on my employment, and I have been ignoring their calls and letters because the request is irrelevant to my banking relationship with them. The letters and calls never explained why the information was needed.
They noted that they have in their records that my title is listed as " XXXX '' and my employer as the " XXXX ''. They wanted to know XXXX of " what? '' and which agency within XXXX. I truly did n't see why this was necessary information, so I did n't respond, particularly while I was on vacation and dealing with more pressing personal matters.
Their last letter said that they needed the info by XXXX XXXX or they would take action by freezing my ATM and internet banking access. So I went to the branch where I opened the account on the XXXX to see what motivated this threatening tone because no XXXX as of then had explained the magnitude of the need for my additional employment data. The customer service representative could n't give me a good reason on why this information was needed, so I asked him to look into it and get back to me. When he called me back later that afternoon, he still could n't give me a good reason but told me that he found my info online and submitted it to satisfy the request. The following morning, XXXX, my wife could n't use our debit card to make purchases. Saturday, XXXX XXXX, I 'm at a restaurant with my wife and XXXX twins, and my card is declined. I have no access to my funds.
I returned to the retail branch on Monday the XXXX and demanded that they unfreeze mycards, which they did, and they continued to say they just needed some infofrom me which I continued to decline to give without an explanation. That night my internet banking was n't working and I again had to call customer service and was on the phone for an hour before no one was able to help, and had to return to the branch the next day to unfreeze my internet banking.
No one was able to tell me why they had taken such drastic measures tohinder my access to my personal funds. I presume it was to get my attention just to know what my exact title is and what specific city agency I work for. Information that I believe is not necessary for my banking needs being that they already had my title as XXXX, and my understanding is that employment is not necessary to have a bank account.
That night, XXXX XXXX, I receive a letter saying that they 're outright closing myaccount on XXXX XXXX with no explanation except citing their Rules ofDeposit Accounts authorizing them to close my account.
I had to quickly open an account with another bank and reestablish my automatic direct payments and change my work pay direct deposit.
This has been a total abuse of power, disrespectful, and obnoxious on theirpart, and I need to make sure they do n't just go on with their business asif nothing happened while they totally disrespected me and my family. I'vebeen an HSBC client for a long time and I ca n't believe it 's more importantfor them to do this than to respect my loyalty and risk losing me as aclient.
|
| 11/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
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Web |
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My debit card was fraudulently misused. I lost my debit card, and before I could discover or report the loss, there were several unauthorized debit and credit transactions made to and from my checking account. I made a police report of the unauthorized uses of the card and forwarded the police report to the financial institution, HSBC, without any positive recourse to date.
I have spoken with HSBC customer service telephone bankers, the manager of the HSBC branch, where I initially open the account, banking agents in the bank card security division, banking agents in the fraudulent investigation unit, and agents at the XXXX corporate office.
On XXXX XXXX, 2016, my bi-weekly paycheck was directly deposited into my HSBC checking account. As per my monthly requirements, I attempted to pay my monthly car insurance and note, and to my dismay, I discovered that my entire paycheck had been depleted and I had a negative balance in my checking account.
I immediately reported the incidents to the bank card security division of HSBC bank and requested an investigation of the debit and credit transactions observed on my e-statement. To date, I have received no help from HSBC in resolving the matter.
The investigation has become circular, as I am being referred to multiple HSBC units, without any proposed or possible avenues to commence a resolution ; other advice or assistance, yet I am being hounded daily with telephone calls from HSBC collection department seeking repayment of the monies fraudulently credited and debited.
The checking account statements for the months of XXXX and XXXX 2016, evidenced both unknown fraudulent debit and credit transactions. The possible explanations given by HSBC for the debited transactions are ambiguous. One banking agent indicated that the deposits were a draw down on an attached overdraft credit line ( of which I have no prior knowledge, nor from which I had ever resourced funds ). Another bank representative stated that deposits that appear on the statements were due to attempts to deposit fraudulent checks.
The alleged fraudulent deposits referenced took place over XXXX miles away from my hometown. These supposed deposits were not made by me or any authorized agent on my behalf. I have no knowledge nor can I offer any possible explanations how they occurred.
Additionally, there were several ATM withdrawals and merchant transactions of which I have no knowledge nor can I offer any possible explanations how they occurred.
I would like to file a complaint with the Consumer Financial Protection Bureau, of the Federal Deposit Insurance Corporation and the Attorney General Office of New York, but I need evidence to support my complaint. I need copies of any and all steps taken by HSBC to investigate the fraudulent debit and credit transactions.
I lost my entire bi-weekly paycheck as well as I am being held liable for the overdrawn fees, charges and balance.
I am a valued and long-term customer of HSBC. I need help in discovering the source of the fraud and removing the cloud over my credit history. The best solution would also include restoration of my paycheck.
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| 04/30/2016 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
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HSBC processed an unauthorized {$2100.00} debit from my checking account on XXXX/XXXX/16 and still has not returned the funds or given me a status of the investigation.
In XXXX I went to a branch in XXXX NY to set up a recurring monthly rent payment to my landlord 's XXXX checking account. Last month I went to the same branch to cancel all future payments ( including XXXX/XXXX/16 ), because I was moving. A branch employee had me fill out some paperwork, gave me a fax receipt, and confirmed that all future payments would be cancelled ( including XXXX/XXXX/16. ) On XXXX/XXXX/16, the payment processed as usual, causing my checking account to go negative. I called customer support and was told that the branch employee had given me the wrong paperwork, but that the agent I was speaking to would submit the correct XXXX and that I would get the money back. Two days later I called again to check in and was told I needed to go to a branch to handle the issue. ( I was also told by this agent that the branch would be able to credit my account for the {$2100.00} while everything was pending. ) When I visited a branch in my new city XXXX XXXX XXXX XXXX, they said they could n't help me and that I needed to call support. A support agent spoke to the teller, had her submit a new stop-payment form, and told me that an investigation would begin in two days and that I would receive a credit on that day.
Two days later I called support for a status update and was told that there would be no credit and that in her opinion the transaction was authorized by me. I then spoke to a supervisor who told me that I would not be issued a credit until the close of the investigation ( XXXX10 days ), and that they were currently deeming the XXXX/XXXX/16 transaction to be " authorized. '' I told her that I wanted to file a formal complaint and she said she would get me a " reference number, '' which would be added to my account notes and I could call back later to obtain it. When I called back, the agent I spoke to said he could not view the supervisor 's notes because they were " encrypted, '' and instead grilled me for around 30 minutes repeatedly trying to get me to confirm that the XXXX/XXXX/16 transaction was " authorized. '' It has now been over two weeks since that conversation, and I have received no updates. I called customer support today and they were unable to tell me the status of the investigation ( or if there even was one pending ) and said a supervisor would call me back on Monday.
I have told every support agent and supervisor that ( a ) I went to the NY branch in person to cancel all future transfers and ( b ) that I was given a receipt by the branch confirming that the necessary paperwork was submitted, but so far HSBC has been ignoring that and/or telling me that the transaction was " authorized. '' ( Meanwhile I have been unable to get a hold of my former landlord, so the {$2100.00} has not been returned. A couple support agents have indicated that it 's my " responsibility '' to retrieve the funds from the landlord myself, even though it was HSBC who debited my account without authorization. )
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| 07/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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I received an HSBC credit card and set up automatic payments from my XXXX brokerage account as well as e-statements this past spring.
HSBC sent me an email saying automatic payments were scheduled. When I looked online I saw that the payment was made and they have been made monthly.
Sunday XX/XX/XXXX I opened a paper statement that was sent to me from HSBC that said a payment for {$84.00} was made and a charge for {$84.00} was also made. I have not used the card and found the charge alarming since it was the same amount as my payment. I also thought it was odd to get a paper statement.
When I went to log online to my account, I could not access anything and was further alarmed it may have been hacked. When I called customer service on back of my card, it was closed. So I began to chat with a rep online who told me my account was past due and it had been closed and sent to collections!
I never received a notice my payments were not made, HSBC never called and only email I received regarding payments was that my XX/XX/XXXXpayment was scheduled.
I called a number the customer rep in the chat room gave me and entered my routing and account number for XXXX and immediately paid the {$120.00} that was due. This routing and account number are the same ones used in my electronic payments. The {$120.00} payment went through and while my account is no longer past due, it is still with collections : who have never called nor emailed me and I can not get ahold of collections. Also, my credit report which has never had a missed payment in its 20+ years history now has delinquent account and account closed on it. All happening while I need to get financing for my son 's fall college tuition, and now I can't!!!
I have mailed proof of payment to HSBC from XXXX. HSBC has said there is no way to expedite this, or connect them with XXXX. They do not have a fax number nor an email I could send proof of payment.
Lastly, today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from HSBC that the account is closed and in collections with a number to contact, but the number is -again- customer service and they could not help me at all because it sits with collections who no one has any means of contacting.
How can they process two payments but reject two all from the same account then say it is past due, close the account and send it to collections without any attempt to contact me via phone, email, or post ; nor marking online that the account is past due? The only emails I received on my account specifically were 1 ) confirming I was signed up for email alerts and notifications, 2 ) that a XX/XX/XXXXpayment was scheduled and 3 ) my XX/XX/XXXX statement ( XX/XX/XXXXand XX/XX/XXXXwere not emailed ).
Today when I called HSBC -again- they further told me that I had to call them every month on the XX/XX/XXXXto find out what I owe because I set up electronic statements and the account is now closed they can not mail me statements. Ludicrous!
HSBC clearly can not process direct debit payments from one of the world 's largest financial institutions, but their system error is marring my credit!
|
| 03/28/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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Today, XX/XX/XXXX, I tried calling customer service and there was no answer. I reached out to HSBC on the chat line to ask about my balance.
They still have had my account suspended. Last Saturday, I went into a branch in XXXX CT. The tellers were on hold with the HSBC customer service for quite some time, by the time they had spoken to someone and completed the call it was over 21 minutes. At that time, I was assured I would be able to do telephone banking and online banking. I have not been able to access my funds.
Prior to last Saturday, I had spoken with someone in the security department, sent my id, spoken to someone online and reached out via twitter. In the middle of a pandemic I have not had access to my money.
The original issue began when I did a mobile deposit to my newly opened savings account ( the check by the way was from a state agency ) and they suspended my account. Opening the savings account was a fiasco too because I received mis-information and was told to apply for a separate account and had to complete 5-6 pages of information ( even after I had opened a checking account ). Another representative said that that was the wrong procedure and I had to cancel that account and reopen a different savings. I called, I wrote and still no service about the suspension of the account.
Resolution desired : I want my money out of this bank. I can either get my balance and transfer the funds somehow or they close the account and refund me my money. I ALSO want 7 x the amount of money at its highest that was in my account. I have been more than inconvenienced, I have XXXX XXXX XXXX and this has XXXX me, I have had XXXX XXXX, no access to funds meaning no money for gas, groceries or transportation in a pandemic.
I WANT HSBC to be held accountable for my suffering and be fined.
Prior to today 's email here is what I recieved : FDIC Logo XX/XX/XXXX Ref. No. : XXXX Re : HSBC Bank USA , National Association Dear XXXX XXXX : Thank you for your correspondence, which was received by the Federal Deposit Insurance Corporation ( FDIC ).
The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System.
Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Website : www.consumerfinance.gov Telephone : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence.
Sincerely, Consumer Response Center Federal Deposit Insurance Corporation Division of Depositor and Consumer Protection Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX cc/enc : Consumer Financial Protection Bureau
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| 04/24/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
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Web |
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On XX/XX/2018, I made an online " Global Transfer '' on HSBC 's online banking system, and when I realized the terrible exchange rate being used I immediately ( within 5 minutes of the online transaction ) called HSBC 's Premier Customer Relationship Center and asked for the transfer to be cancelled ( as allowed by the wording on the receipt ). The lady at HSBC 's call center in the XXXX said she was unable to revert the transaction. According to the attached receipt, I can cancel for a full refund within 30 minutes of payment. I contacted the Premier Customer Relationship Center within 5 minutes, as instructed in the Receipt.
The transfer amount was {$50000.00} at an exchange rate of US {$1.00} = XXXX XXXX The market exchange rate that day was US {$1.00} = XXXX XXXX If I had used some other non-HSBC services, such as XXXX, I would have gotten the market exchange rate and paid US {$360.00} in total fees - a much better deal than with HSBC!
Thus, for US {$50000.00} I got XXXX XXXX with HSBC. To illustrate the real market exchange rate, with XXXX I would have gotten XXXX XXXX.
Thats a difference of XXXX XXXX, or US {$880.00}, to show the abusive exchange rate HSBC USA charged me.
To further corroborate my case, on XX/XX/2018, I used TransferWise to send USDXXXX to my HSBC XXXX XXXX account. XXXX entered into my account in XXXX XXXX on XX/XX/XXXX. Thats an effective exchange rate, with all fees included, of XXXX XXXX per USD. Compare that with HSBCs exchange rate of XXXX XXXX. Its a clear evidence of the abusive exchange rate HSBCs " Global Transfer '' has charged me.
When I opened my account at HSBC USA I was told that " Global Transfer '' had no fees. In fact hefty fees are hidden in the abusive exchange rate.
The XXXX XXXX XXXX trades in relation to the US Dollar in a very narrow band. Thus, there is very little fluctuation in XXXXhe exchange rate, within the day, within the week, within the month, and within the year. It's a very stable currency.
To further add insult to injury, theres one more important piece of information to add to my case showing the unfair and abusive exchange rate use by HSBC USA. Using HSBC XXXX XXXX internet banking, for exchanging USD XXXX I get XXXX XXXX ( attached screenshot, as evidence ). An effective exchange rate of HKD XXXX per USD. With HSBC USA I got only XXXX XXXX for my USD XXXX. Thats a difference of HKD XXXX, or USD XXXX, that HSBC USA overcharged me in comparison to HSBC XXXX XXXX. Why is HSBC USA abusing its ' customers in the United States? Why doesn't HSBC USA use the same exchange rate used by HSBC XXXX XXXX?
In summary, all Im seeking is for a fair market exchange rate. The exchange rate charged by the " Global Transfer '' was not fair by any reference, and in fact abusive. I feel I have been stolen. Hidden fees in a unfair exchange rate is definitely not the way to create trust in the banking system. " Global Transfer '' without any fees is a lie - huge fees are in fact hidden in the abusive exchange rate. You can cancel for a full refund within 30 minutes of payments '' is another lie.
|
| 07/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
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|
In the time period of XXXX XXXX, 2020 I was let go from my XXXX XXXX role due to the pandemic. I had opened an HSBC XXXX account to take advantage of the welcome bonus that requiring direct deposits. It also required some minimum direct deposit per month or else I would have to pay a {$50.00} maintenance fee.
Since I was no longer employed, I could no longer make direct deposits and needed to close the account. I walked into an HSBC branch at some address between XXXX and XXXX XXXX and XXXX in XXXX XXXX XXXXXXXX ( branch is no longer there ).
I stated to the female teller that I needed to close my account and wished to withdraw my balance. The teller immediately began acting pushy and demanding in a very likely attempt to prevent me from closing the account. They asked why I needed to close the account and stated it was required that I tell them. After a mild protest, I informed them it was because I was laid off and could no longer make direct deposits to prevent the maintenance fee. The teller than began cycling through my recent deposits and demanded a full explanation of each and every deposit.
My most recent one for {$3400.00} was from my employer. After stating this, the teller demanded that I provided paystubs and documentation verifying this information, on the spot and quite bizarrely within the bank branch. Since resigning, I no longer had access to my paystubs. The hard drive on my computer containing all of my documentation additionally had unfortunately failed and I no longer had no way to access the documents. The teller, as far as I am aware, had no right to demand this information from me, and would not allow me to withdraw my substantial balance and proceed with closing my acccount. It seems that false pretenses is a modus operandi of HSBC to prevent losing customers.
Since I was getting nowhere in the face of this bizarre situation, I walked out of the branch. I wrote a check from this checking account and deposited it to my XXXX bank account and resolved to wait the 7 day waiting period to complete the deposit. Due to this situation, I wound not paying the balance on one of my credit cards and had to pay interest for that month. Once my HSBC account balance was down to XXXX, I called and had the account closed over the phone, which was entirely within my purview.
For two months, however, the account remained open despite the phone operator confirming that it was in the process of it being closed. The maintenance fee was charged on the account twice, as well as negative account balances. I had to call several times to have the negative account balance removed.
Since this incident, it appears that HSBC has willfully supplied inaccurate information to reporting companies including XXXX. I most recently had a checking account application with XXXX denied as a result. This entire experience is outrageous and has cost me many wasted hours dealing with willfully incorrect information supplied under malicious motivations that has caused precise damages from charged credit card interest subsequent hits to my credit score.
|
| 09/02/2015 |
Yes |
- Money transfers
- International money transfer
|
|
|
Web |
|
|
I paid via HSBC wire transfer on XXXX,2015 for a trip to XXXX to a bank in XXXX XXXX advised that this would take XXXX business days. On XXXX XXXX 2015 I was notified by the tour company that they had not received the funds. I called XXXX at HSBC bank. She was unable to tell me what the delay was. I told her that because we were about to leave for XXXX, I needed to ensure our trip in XXXX was paid for before I left the XXXX & to cancel the wire transfer on XXXX XXXX 2015 & I would pay by credit card - which I did. When I returned from overseas on XXXX XXXX, 2015 & turned my phone on, there were XXXX messages from HSBC asking me to call them. I did so on XXXX XXXX and was told by XXXX that HSBC 's security department put a hold on the wire transfer because I was supposedly sending money to XXXX. Apparently they had not cancelled the wire transfer as instructed on XXXX XXXX 2015. They advised they would cancel the wire transfer immediately. I was then called by XXXX at HSBC some hours later to advise that I would be responsible for the difference in the exchange rate as the XXXX dollar had fallen against the XXXX in the ensuing XXXX weeks. I said I was not responsible for the delay and that I should not have to pay for HSBC 's tardy service. I enquired as to the amount we were discussing and XXXX was unable to tell me but insisted on my giving her an acceptance response on the spot. I said I refused to accept the costs as the delay was not of my making but was because HSBC had delayed in my instruction on XXXX XXXX 2015 to cancel the wire transfer. I asked her to call me back on Tuesday XXXX XXXX 2015 with an estimate of the costs involved. She did not. I called HSBC Premier department at XXXX and asked why I had not been called by XXXX and given an estimate of the costs involved. I was informed that she was not available.
XXXX of HSBC then called me at XXXX today ( XXXX XXXX 2015 ) and advised that due to the current exchange rate, cancellation of the wire transfer would cost me an estimated $ XXXX. This is 10 % of our trip costs. I said this was unacceptable as the whole reason the wire exchange needed to be cancelled was that HSBC had placed a hold on the transfer because they believed I was sending money to XXXX.
My complaint was then transferred to XXXX of HBSC who advised me that on XXXX XXXX 2015 HSBC would have transferred the money and the accepting bank in XXXX was the reason for he delay. I asked him how could that be since on XXXX XXXX 2015 I was being advised that HSBC had placed a hold on the wire transfer due to the XXXX concerns, and that I still needed to cancel the wire transfer. This is totally unacceptable. HSBC then said they did not have a way to refund the {$220.00} to me as it was their 'Policy '. XXXX also said there was no way for me to make a more formal complaint. I enquired about a Banking Ombudsman and XXXX did not even know what an Ombudsman was. XXXX told me he would record my complaint for statistical reasons and to improve customer service. So I went on line and found this address and am making this complaint.
|
| 01/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
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I initiated a balance transfer of {$4600.00} from my XXXX credit card account to my new HSBC credit card on XX/XX/2018. I received a confirmation email from HSBC that stated that the balance transfer should be complete within 7-10 business days. The balance transfer amount posted to my HSBC account on XX/XX/XXXX at XXXX. I noticed that it had not posted to my XXXX account on XX/XX/XXXX and decided to call HSBC customer service to inquire about the status of the transfer. I was brushed off by their customer service team and was told to call back in a week if the transfer was still not posted to my XXXX account.
I called the customer service department again on XX/XX/2018 at XXXX and requested a status update on the balance transfer. Once again, the CSR told me that I need to be patient and wait another week and call back again if the amount still had not posted to my XXXX account.
I made another call on XX/XX/XXXX at XXXX. This time, the first CSR accidentally (? ) hung up the phone after I was told he was going to do a payment trace. After calling back again, the second CSR told me that they are not able to do a payment trace. It then appeared to me that he was stalling. For example, he rep. told began to inform me on what a balance transfer is instead of directly handling the issue I presented. I promptly requested to be connected with a supervisor so that we can begin an investigation on their end. The supervisor that I ended up talking to was not very helpful. She told me that she was going to start an investigation and that we should have information within 5 business days I believe. She also told me to call back today, XX/XX/XXXX if the payment did not post by that time. I requested email updates on the status of the investigation : They did not do this at all.
My final call was today, XX/XX/XXXX. The transfer has still not posted to my XXXX credit card account. I talked to another CSR who told me that the investigation process can take up to 14 business days. I told him that I need a path to resolution which he was unable to provide. Once again, I feel like they are brushing me off and simply adding more time delays into this process. We ended the call when the CSR told me that the supervisor that I talked to on the XX/XX/XXXX will be calling me back this afternoon regarding the status of the investigation.
Through this whole process, XXXX has been very helpful. It has been very easy getting an informed individual on the line to help me investigate this issue. It only took me a few minutes to get an account specialist on the line investigating my issue. The XXXX employee believed that a payment trace should be a routine an easy thing for HSBC to do. Unfortunately, getting things done with HSBC has proved impossible at this point. I regret opening an account with them.
As of right now, I have essentially doubled my debt because of this. Because so much time has elapsed, I am approaching my first payment on the HSBC card on XX/XX/XXXX. I am also going to have to pay on this balance transfer amount on my XXXX card on XX/XX/XXXX.
|
| 11/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
HSBC REFUSED TO ACKNOWLEDGE COURT DOCUMENTS RULING IN MY FAVOR & SUPPORTING MY REQUEST TO KEEP A BILLING DISPUTE CREDITED TO MY ACCOUNT. INSTEAD, HSBC PROCEEDED TO GIVE THE MONEY TO THE DEFENDANT, FORCING ME TO PAY A COURT OFFICER TO TRY TO GET THE $ $ BACK.
This complaint relates to a previous complaint # XXXX that I filed against HSBC. This new complaint is based on the same documented facts as the previous complaint but with the addition of some new documents. See the attached 7-page document : Page 1 of the attached document shows an email from HSBC on XX/XX/19 confirming that a charge of {$600.00} from XXXX XXXX XXXX was put in dispute or temporarily credited to my account, pending further investigation.
Page 2 is the email that I sent to HSBC on XX/XX/19 immediately following a phone conversation w/XXXX in HSBC Dispute Dept. who made note of my conversation stating that I had won my court case & to pls keep the {$600.00} credited to my account. XXXX instructed me to immediately send the email with the Court Document.
Page 3 - The Court Document containing my name ( I go by XXXX XXXX ), XXXX XXXX XXXX, Docket #, Judge & date stamped XX/XX/19 showing that I won my court case against XXXX XXXX ( " that judgment is entered in favor of the Plaintiff '' ) and therefore to pls maintain that credit to my account of {$600.00}. THIS IS THE DOCUMENT I RECEIVED FROM COURT. But did HSBC even acknowledge the document? NO!!! Because.
Page 4 is the XX/XX/19 email I received from HSBC stating the we have determined that we do not have sufficient documentation/information and are unable to pursue this matter further. We have placed this charge back on your account. (!?!?! ) Page 5 is another email from HSBC stating that ( because they had ignored all my documents & released the money back to the vendor ) XXXX XXXX took their money in person so theres nothing HSBC can do & they consider this matter resolved. (!!!???!!! ) Page 6 To top things off, HSBCs VP of Customer Relations - XXXX XXXX sends her own email with the ludicrous statement : I understand this matter was taken to court and the Judge ruled in your favor. However, we have not received sufficient documentation confirming the ruling SO AGAIN, HSBC DOES NOT CONSIDER THE COURT DOCUMENT I SENT THEM TO BE SUFFICIENT!!!
Page 7 Shows the additional {$50.00} ( {$43.00} + {$6.00} ) I had to pay for a Writ of Execution and a court officer to try to get the {$600.00} back from XXXX XXXX.
IN CONCLUSION : IT IS TOTALLY HSBCS FAULT THAT IVE HAD TO PAY AN ADDITIONAL {$50.00} TO GET THE MONEY BACK. IF HSBC HAD DONE THEIR JOB TO BEGIN WITH, TREATED ME THEIR CLIENT FAIRLY, & ACKNOWLEDGED THE COURT DOCUMENT & THE COMMON SENSE REQUEST TO KEEP THE CHARGE CREDITED TO ME, EVERYTHING WOULD HAVE BEEN RESOLVED.
BUT NOW I AM DEMANDING THAT HSBC CREDIT ME THAT {$50.00} IMMEDIATELY.
AND IF I GET ANY MORE GUF FROM HSBC ABOUT THIS, THEN ILL SERIOUSLY CONSIDER TAKING HSBC TO COURT. BECAUSE IF A MAJOR U.S. BANK REFUSES TO ACCEPT U.S. COURT DOCUMENTS, THEN THATS A SERIOUS PROBLEM FOR OUR COUNTRY, NOT JUST ME!
|
| 04/05/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
HSBC ran their " XX/XX/2016 Fall Campaign '', where they were offering {$350.00} for opening a new account and satisfying various requirements. The exact wording of the offer is below ( I have also attached a copy of the offer from their website ) : Open your new account Begin a new HSBC Choice Checking, Advance or Premier relationship by opening a corresponding HSBC checking account from XXXX XXXX, XXXX through XXXX XXXX, XXXX.
Complete your qualifying activities Pay at least two bills per month from your new HSBC checking account via HSBC 's online Bill Pay for three consecutive months within 120 calendar days of account opening.
OR Receive at least one qualifying direct deposit per month into your new HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required.
I opted to go the direct deposit route to qualify for my bonus. My account was officially opened on XXXX XXXX, XX/XX/2016 ( copy of the official welcome email from HSBC on this date is attached ). That means 120 calendar days from XXXX XXXX, XX/XX/2016 is XXXX XXXX, XXXX. I received direct deposits totaling {$3000.00} for three consecutive months BEFORE XXXX XXXX, XXXX ; however, HSBC is refusing to honor the terms and conditions of their offer. Below are the qualifying transactions ( I have also attached a copy of my bank transaction activity for the relevant months ) : XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} These deposits were in three consecutive months and total {$3000.00}, and they were all completed before the cutoff date of XXXX XXXX, XXXX. The terms and conditions of the offer state the bonus will be awarded approximately 8 weeks after completing all offer requirements. After giving ample time for HSBC to credit the bonus, I sent a secure " BankMail '' on XXXX XXXX, XXXX to inquire on the status of my bonus. A representative responded that I did not satisfy all requirements for the offer, to which I responded by clearly demonstrating that I did by laying out everything as I have done here. My inquiry was escalated for weeks before finally receiving a response today, stating again, that I was not eligible because I did not satisfy all requirements. I have attached a copy of this BankMail from today.
In this BankMail, the representative again reiterates the requirements of the offer and why I am not eligible for the bonus. Their reasons are factually incorrect as I have already relayed to them multiple times, and as I have just outlined above. Again, I received direct deposits totaling {$3000.00} for three consecutive months XXXX XXXX, XXXX, XXXX XXXX before the deadline of XXXX XXXX, XXXX. I have given the bank ample time to resolve this issue before resorting to submitting a CFPB complaint. The bank is using false reasons to delay or resist rightfully awarding me the bonus. Please have HSBC credit the {$350.00} bonus per the terms and conditions of their offer.
|
| 03/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Beneficial continues to deny responsibility for the mistakes they made with our home loan from XX/XX/XXXX to XXXX. Effective XXXX XXXX, XXXX they sold our loan to XXXX XXXX XXXX. They continued to erroneously try to collect " past due '' payments from us into XXXX XXXX - in effect trying to extort money from us when not only were we up to date but paid in full until XX/XX/XXXX. They told XXXX that we were behind so XXXX started charging late fees and other fees.
XXXX XXXX, XXXX, XXXX XXXX XXXX, Vice-President Customer Disputes and XXXX XXXX, manager Customer Disputes, sent a letter to the NYS Attorney General stating that, " We have completed reconciliations on both accounts and can confirm that the account status on each account is accurate. '' AND " Account XXXX ( The account in question ) is current. The next payment is due on XXXX XXXX, XXXX, in the amount of {$1000.00}. '' Statements for XXXX and XXXX XXXX do not reflect the correct payments that we made and my husband spoke with a XXXX at Beneficial on XXXX XXXX, XXXX and she confirmed that our mortgage loan account was up to date.
Payment history : Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX we sent Beneficial a total of {$10000.00}. The financial records of our account that were sent to us by XXXX XXXX, XXXX Customer Disputes, on XXXX XXXX, XXXX, confirms this and we have the cancelled checks to back it up.
Our monthly payment is {$1700.00}. There are 5 payments due from XXXX XXXX through XXXX XXXX. {$1700.00} x XXXX = {$8500.00}.
So at the time that Beneficial sold our mortgage to XXXX we were not only up to date but ahead in payments.
TWO payments were applied to the XXXX XXXX, XXXX payment and only one was credited toward our mortgage. The second should have been applied to the XXXX XXXX, XXXX payment.
From XXXX/XXXX/XXXX throughXX/XX/XXXX a total amount of {$3600.00} was received by Beneficial yet only one month was credited toward our mortgage.
We were also assessed four late payment fees, XXXX on XXXX/XXXX/XXXX ( XXXX ), XXXX on XXXX/XXXX/XXXX ( XXXX & XXXX ) and XXXX on XXXX/XXXX/XXXX ( {$34.00} ) for a total of {$61.00}.
If Beneficial had properly credited our account with the payments we sent in and you cashed, we would have been credited with on time payments for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The total amount due for those 6 months was ( {$1700.00} x XXXX ) {$10000.00}.
We paid Beneficial {$10000.00} and that would leave {$500.00} for the month of XX/XX/XXXX in our account.
In a letter dated XXXX XXXX, XXXX, from XXXX XXXX, Vice President, Customer Service, XXXX XXXX Loans, she states : " Furthermore your allegations are regarding the previous servicer and not XXXX. Please be advised XXXX is unable to confirm any actions or provide any answers in regards to the previous servicer as we are not affiliated with them. In order to have these concerns adequately addressed, you should contact your prior servicer directly. '' Beneficial is the prior servicer and they refuse to address the problems.
|
| 08/14/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
We live in NY State. We were flooded by Hurricane XXXX and XXXX. Flood Insurance Money that came to us was withheld by HSBC Bank until we did repairs. It was about {$12000.00}. We believe some interest was paid on that amount to our account. Shortly thereafter, another {$40000.00} was given to us from Hurricane XXXX, and the Bank also withheld that money pending repairs to our home. On XXXX XXXX, 2013, HSBC transferred their Mortgage Services to XXXX XXXX XXXX. They are holding appx {$52000.00} Flood Insurance Money in their Bank pending our signing a reconstruction contract with a builder, which has not yet occurred. When our {$52000.00} was transferred to XXXX, there were no written receipt sent to us attesting to the fact that they had that money in our account. I made numerous phone calls to XXXX XXXX, asking for something in writing to prove that our money, in that amount, was being held by them. After all, if their computers went down, how could we prove that they had our {$52000.00}. If I put XXXX cents into a savings account, I get a receipt. XXXX XXXX absolutely refused to provide us with a receipt on paper attesting to the fact that they were holding {$52000.00} of our money.
Also, they refused to say if they were paying us interest on that money. Apparently, there IS NO law in NY State requiring Banks to pay interest on Flood Insurance Money being held by Banks. WHY, I DO NOT KNOW. I AM SURE THE BANK IS MAKING MONEY ON OUR {$52000.00}. Any money they make on Our money is ours. I am sure they are investing that money, and keeping it.
I wrote recently to the New York State Department of Financial Services about these XXXX issues. They forwarded a complaint to XXXX XXXX. I received a letter from XXXX XXXX supposedly in answer to my complaint. They did put in writing, in that letter, that they were holding {$52000.00} of our Flood Insurance Money. So finally, the State Agency got that in writing for us after two years. However, XXXX XXXX stonewalled on the issue of interest due us on that money. They filled half of the letter with an answer to an issue that I did not raise, and that was the issue of them releasing our Flood Insurance Money to us. I did not ask them to release any funds yet. They made it appear that they were answering my complaint, but they answered a question that they made up, not my real question.
Finally, they did not address the issue of whether we were due interest, and if not, why. They stated this : " Additionally, we recognize XXXX XXXX 's and XXXX XXXX 's concerns over the interest earned on the escrow funds. With the final disbursement of the insurance funds, any interest earned will be released with the draw. " We realize that no interest has been paid on these escrow funds, because the bank would have issued us a XXXX form.
We believe this is not fair. There may be as many as XXXX homeowners in New York State with banks holding Flood Insurance funds. They are, we feel strongly, profiting from all of these funds which are not theirs. Why are the Banks allowed to cheat us in this way?
|
| 05/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We contacted our mortgage company last XX/XX/XXXX, because of hardship and becoming behind. They would not help us, and depmanded a higher payment of {$500.00} plus more dollars, making a payment for us of {$1800.00}, or Foreclosure would happen, and they pulled our permanent modification from us during our phone call. They also had been taking unauthorized payments for a few months of this higher payment amount from our credit union account for a few months, until we had to change over to a new account. Also in XXXX, we had gotten a housing counselor to help us with trying to reslove our problems with iour loan between us and our mortgage company. We worked with her for about XXXX months, and she could not get anywhere with them, as she has been trying to get them to get us on the Hamp Two Tier Program, because the mortgage company knew well many time and for years, that I am on XXXX XXXX, and though my husband works fulltime, he is going through a work comp. case, himself, and we qualify for this mortgage program. We had not gone into Foreclosure until we were notified in XXXX of this year, XX/XX/XXXX. We got a letter from an attorney representing our mortgage company telling us we were Foreclosing, and had no prior contact for payments on the loan, except for very few collection calls, and only basic company generated letters. AS of now, we had lots of phone tag playing from our mortgage company since XXXX of this year, but have had many conversations and were promised to get our Foreclosure stopped. The action on the Foreclosure stopping was around the end of XXXX, early XXXX, The mortgage company came to us and told us that originally, we had owed around {$17000.00} from the past approximate year 's past due loan payments, including interst, plus fees. THey were going to force us to pay this to get our home back. On the same day, they called back and told us that we only had to XXXX of that, being {$6300.00}, and then our home would come our of Foreclosure, and the rest of the fees would be waived, and that the check be a cashier 's check, be sent over night, and that would get all of this in writing per our request. We has over a XXXX conversations and promises, and when we sold a car to get all of this done on a timeline to saveour home, they did not follow through still. They waited to send us the paperwork after the check was cashed, and it was n't written out like we were told and were promised. Two days later, they sent another letter, demanding us to pay the remaining balance of the past due amount of the {$17000.00} due by approximately XXXX XXXX, to get our house back. We do n't have this money. We also have not signed anything new for our old permanent modification loan, and are hoping to still be considered to get the Hamp Two Tier or Tier Two. We are dangling at this point, and out of that money that they cashed. We previously had a Sheriff Sale date for Just this passed XXXX XXXX, but it was stopped. We currently have a represenative from the MN Attorney General 's Office helping us with this matter.
|
| 10/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
HSBC XXXX XXXX XXXX # XXXX My HSBC MasterCard, XXXX XXXX Credit Card and my XXXX Drivers License that were in my travel bag, while I was traveling through XXXX, went missing. As soon as I noticed, I called HSBC, described the situation, and reported my card as stolen. There were also the following unauthorized transactions on my credit card : XX/XX/2021 XXXX XXXX XXXX XXXX ON {$9100.00} XX/XX/2021 XXXX XXXX # XXXX XXXX ON {$2.00} XX/XX/2021 XXXX XXXX # XXXX XXXX XXXX {$2300.00} XX/XX/2021 XXXX XXXX # XXXX XXXX XXXX {$330.00} It has not even been 5 days since I reported the unauthorized transactions on my credit card, and my claim was apparently denied by the fraud department, since they say PIN was used. My card does not even require PIN for making purchases. It is CHIP and Signature, not CHIP and PIN. The bank apparently is confusing US credit cards with credit cards they may be offering in other countries. It is very obvious they are denying this claim, without even a basic investigation. This is clearly a violation of Reg Z and the truth in lending act.
First, it is important to note that all of the transaction identified by me as fraudulent/unauthorized are in fact fraudulent/unauthorized. I did not approve the use of my card. I do not know who used my card. I would like to state that I consider this dispute unresolved, and disagree with the bank 's decision. According to Reg Z, my liability is limited for unauthorized charges, when reported promptly. Hence, I will not pay any of the disputed portion of my credit card bill, and in reporting of my balance onto credit bureaus, I, hereby, request that they mention " consumer disputes this account 's information ''.
Second, according to Reg Z, the bank must provide me with an EXPLANATION that sets forth the REASONS for which they believe these transactions are valid. I have not been provided with any reasonable explanation.
Third, According to Reg Z, I must be provided with the DOCUMENTARY EVIDENCE used by the bank in reaching their conclusion. Please consider this my notice in writing for these documents to be provided to me. Refusal by the bank and ignoring of my request is a direct violation of Reg Z and the truth in lending act.
A police report # XXXX has also been filed regarding these transaction with Officer XXXX, Badge # XXXX.
Given that a police report that has been filed, under the penalty of perjury, as well as the prompt reporting of the unauthorized charges on my credit card, I would appreciate it, if HSBC could reconsider its decision, re-open my claim, and reimburse me for the fraudulent charges that has occurred on my credit card. If the bank still decides to deny my claim, please provide me with an explanation that sets forth the reasons for the banks belief that the billing error alleged by me is incorrect, in whole, or in part, and please also provide me with copies of documentary evidence that was used by the bank in determining my indebtedness.
Thank you for your time and consideration.
Sincerely, -XXXX XXXX
|
| 12/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
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I received an offer from HSBC for a credit card with a promotional 0 % apr for XXXX months. I applied and received an approval letter on XX/XX/2018. I received the card in the mail about a week later and activated it.i called a few days later on XXXX day to process a balance transfer. I was told there was a security hold on my card and I would have speak to security then I was disconnected.i called right back and the recording said they were closed for the holidays.I called back the next day XX/XX/18 security answered the line I explained to them there was a hold on my card.
The rep then said they are not security they are check fraud and transferred me to customer service. Spoke to the CS rep who said she would have to transfer me to security. I told her security just transferred me to you. She said no that was not true then transferred me to security. The rep came on line periodically to check in. After XXXX minutes I told her I could not hold anymore and asked for the hours of operation. She said XXXX to XXXX XXXX days a week. The next day XX/XX/2418i called the number on the back of my card and an automated system came on and said hours of operation were from XXXX to XXXX XXXX and closed on weekends. Fast forward to today XX/XX/18. I took the day off work to get this settled. I started calling at XXXX XXXX I spoke to and was transferred to several different security people and managers. Each one telling me I had the wrong security dept. I was transferred to a security line for XXXX hours. I started calling on a XXXX phone line and put on hold. This is how bad it was. Calling on XXXX different phone lines telling me I would be in a priority que on one line. The XXXX hour hold on the other line was disconnected. Unacceptable!!! At this point Im on hold now for XXXX hours! I am so disgusted I call back into customer service and tell the rep I just want my account closed ... the rep asks me security questions and then tells me my account was closed on XX/XX/18 for being delinquent on the account.. Are you kidding me????? Ive never even used the card!, the rep then places me on hold to look at my account then hangs up on me.. I call back and after another XXXX hold I get to customer service. I tell the rep again I want close my account. The rep says to close the account I need to send a passcode.. she sends it. I verify it and she says I will have to speak to security. Not happening because I was on hold for XXXX hours with them. Manager comes on the phone and says I need to talk to security to close my account. It is now XXXX Hours o the phone. When she tries to call security she tells me they are now closed! I WANT MY ACCOUNT CLOSED IMMEDIATELY. I want a letter that you are not reporting my account delinquent and the account is closed. I want the inquiry removed from credit report because you have made it impossible to use my card!,, This is the worst service I have ever experienced.. I also want all the calls listened to and explanation on the deplorable customer service I received.
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| 10/25/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a Premier checking account with HSBC. I went through a fraud review, etc to open the account. A premier account is their highest level account a high net worth account. It requires either a minimum balance of {$75000.00} or electronic deposits of {$5000.00} per month. My account was opened on XX/XX/XXXX. The opening deposit was funded from my XXXX XXXX XXXX checking account in the amount of {$100.00}. This amount was deducted from my XXXX XXXX account on XX/XX/XXXX. On XX/XX/XXXX I deposited a life insurance check from XXXX XXXX life insurance payable to me with my home address on the face of the check. The check was for approximately {$6700.00}. The next day I went to log onto my account and it was frozen. I called customer service and they indicated the department I needed to speak to was not open on weekends they would call me back on Monday. On the XXXX I called HSBC. I was continually placed on hold and had to call back multiple times. I finally got a person that stayed on the line with me for over an hour while we tried to figure things out. Apparently the deposit triggered a fraud warning. They wanted a copy of my drivers license and proof of address - again - all of this was provided a week prior to open the account. I provided what was requested. After over an hour on the phone I was told the account would remain suspend ed d for 5 business days for the check to clear. I have a few issues with this. I had never tried to access the funds in my account - there was no reason for the account to be placed on a full out fraud suspension. I can understand placing a hold on the funds, but not to allow me any access? I can't even tell you if the initial {$100.00} deposit was credited properly or if my electronic deposit of my paycheck was credited. The account is not accessible to me in any way. I never received a phone call an email or any type of communication. I tried to file an internal complaint. There is no method to file a complaint with HSBC - nothing on their website, nothing when you call. No one would transfer me to a department to file a complaint. Thus I filed one with the XXXX on XX/XX/XXXX. To date I have still not had any resolution with HSBC or even the courtesy of a phone call. Thus I am now filing this complaint. I have done some research and it appears this is a common practice with HSBC. I am lucky in that I do not need access to those funds. However, there are others that have experienced this that do need access to the funds. I only opened thos account because it promised a {$750.00} bonus after meeting certain criteria. At this point I wish I had never opened the account. How is a customer supposed to meet the minimum balance requirements if they can not deposit checks? Why couldnt the bank contact the company the check was drawn on to verify its authenticity? I have been in compliance and risk management for banks for several years and have never seen a policy such as this where accounts are suspended for no reason other than depositing a check.
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| 04/25/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
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Web |
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XXXX - XX/XX/XXXX - I submitted a {$6000.00} wire transfer from my HSBC account to my brother in XXXX. the wire was to my brother 's HSBC account which is in US Dollar. I have submitted a wire transfer previously from the exact same account in HSBC in XX/XX/XXXX and it was received by my brother HSBC account in Us Dollars.
XX/XX/XXXX - My brother called me and said the money is sent in Eqyptian pound, and they won't give him US Dollar as they did on XXXX XXXX XXXX XXXX. I called back the bank and told the representative that money is sent in Eqyptian pound instead of US Dollar and it should have been sent in US Dollar ( my back account is US Dollar and by brother 's account is in US Dollar ). Also, back in XX/XX/XXXX had sent another wire and there was no issue with that. My brother received the money in US Dollar. The representative suggested that it best to recall the wire and then resend it back. I said OK, and she said she'll open a recall request and it would be processed and money should be returned to my account within 4-5 days.
XXXX XXXX Money was not back in my account I got worried so I called back XXXX customer service. Spoke to a manager and went over the same thing with her ( we were on the phone for about almost 2 hours ), we requested the issue to be escalated and requested result by the XX/XX/XXXX. We did not get a call back until Friday XX/XX/XXXX... got a XXXX and I called again back Monday XX/XX/XXXX and left voicemail.
XXXX - Spoke to XXXX which was a manager, again went over the same process. We again explained what happen but this time the manager said that the only way to receive my money back is to accept the conversion rate between Egyptian pound to a dollar which was news to me. I have sent the money in US dollars to an account in US dollars and I have done this previously how come they money turned to Egyptian pound. And XXXX stated the conversion happens automatically which doesn't make any sense because as a customer we should have the choice to send the money how we want it ... this is how it is with the other banks. XXXX stated now there will be conversion fees applied etc. And now customer service decided to come up with a new sneaky way to blame me for sending the money in Egyptian pound which has not happened because I have previously sent the money in XXXX and it was received in Us Dollars. It is getting very frustrated I have been lied to by the XXXX customer service saying that my money will be recalled in 4-5 business days but till today I did not receive my money. They keep bouncing me around from one agent to another with no help. I am getting very desperate and scared for my money and I need help.
It's insane that how long it's taking HSB to resolve the issue and the money is not in the account. HSBC should not be be able to decide on my behalf how the money should be sent to another party, it's my choice. I have the receiver 's account setup in US Dollar and it should be received by them in US Dollar. Our claim # with them is XXXX
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| 01/17/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Over the last 45 days i have been called daily by an automated system from an unnamed firm threatening " legal action if I don't respond to the complain. '' On Thursday XX/XX/XXXX i hit number 1 on my phone and was routed to a woman who stated her name was XXXX XXXX from the " firm XXXX XXXXXXXX XXXX XXXXXXXX and had been retained by the plaintiff to legally collect or pursue action for the debt. '' XXXX stated her " firm '' was collecting for HSBC credit card that charged off in XXXX and that i needed to " pay the balance that day to avoid being sued, reported to XXXX and all of my current accounts frozen and my wages garnished. '' I advised XXXX that the statute of limitations had long passed on this account, it was no longer on my credit even due to age and that she cant threaten me with legal action. XXXX replied that " every time a creditor sells or hires someone to collect the debt the creditor enters a new contract and extends the statute of limitations. '' XXXX XXXX also stated that " I had made payments on the account in XXXX '' which was completely false. XXXX got very agressive demanding payment or she was going to report me to XXXX that day the XXXX, have HSBC sue me and then terminated the call. Friday XX/XX/XXXX XXXX again called back offering me a " last chance '' to resolve it before the " complaint was forwarded for legal action. '' I again stated it was out side of limitations and that she was violating the FDCPA by misrepresenting the debt and threats of action. XXXX again got very aggressive and stated that i had to pay it that day or " pay the consequences. '' XXXX XXXX stated that HSBC never charged it off and that they are who is going to sue me. XXXX then emailed me a demand letter from an email of XXXX with a letter head of " XXXX XXXX XXXX '' which all appear to be tied to a XXXXXXXX XXXX XXXXXXXX XXXX XXXX utilizing address XXXX XXXX XXXX XXXX, XXXX, FL XXXX for both the XXXX and Personal use. XXXX XXXX called again Monday XX/XX/XXXX demanding payment and was confronted with factual dates, AZ law on statute of limitations and the fact that XXXX is only for bad banking issues, rental and mortgage issues/default. XXXX XXXX again reiterated that I would be reported to XXXX and that her firm would have HSBC pursue me in court for the debt. I advised XXXX that the call was being recorded in accordance with AZ law and she didn't care, kept threatening me. I then confronted her directly asking what the consequences were if I didn't pay it to which she would then only say " complaint will be forwarded. '' XXXX again terminated the call once she realized that I knew she was continually violating the FDCPA. This was aggressive, misleading, false threats and clear violation of FDCPA. Threats of legal action, garnishment, and credit reporting of old accounts that can not be pursued in court or reported on credit is unfair and illegal. Misrepresenting as a law firm threatening legal action falsely is illegal.
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| 07/05/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received a letter from XXXX XXXX XXXX in XX/XX/XXXX saying I owed a debt to XXXX XXXX. The letter stated I needed to contact them by XX/XX/XXXX. I kept a log of my contacts : XX/XX/XXXX XXXX - I rang the number on the letter ( XXXX ), after it rang for a very long time the call seemed to be answered, there was silence for 29 seconds ( with me repeatedly saying hello, asking if they could hear me ), then the line went dead.
XX/XX/XXXX XXXX - I rang again, this time I got a voicemail system, I left a message asking to be called back.
XX/XX/XXXX XXXX - I rang again, voicemail again, this time I left a detailed message explaining that I didn't know which account this was for and I requested proof that I owed the debt in question.
XX/XX/XXXX XXXX - having not hear back I went to their website, as suggested in the letter, and used their form and gave the same details of my voicemail, requesting proof of the debt.
I never heard back from them.
XX/XX/XXXX I noticed my credit had a derogatory remark on it re debt collection.
XX/XX/XXXX XXXX - I called again, this time got a human spoke to XXXX who was apparently a manager, who gave me a contact at XXXX XXXX.
XX/XX/XXXX XXXX - I calleXXXX XXXX XXXX ( XXXX ), spoke to XXXX XXXX who was able to give me more details, and I explained that I closed the account in XX/XX/XXXX, and HSBC had made a mistake in the closeout figure, which they'd subsequently tried to credit in XX/XX/XXXX, where they'd made another mistake in the credit, and so this was not a debt I owed. She gave me an email address to send her a copy of my closure letter.
XX/XX/XXXX XXXX - I emailed XXXX the closure letter.
XX/XX/XXXX - I received a bunch of HSBC statements from XXXX XXXX dating back to XX/XX/XXXX, although these did not show a debt dating back to XX/XX/XXXX, it DID show the attempted credit in XX/XX/XXXX, and the XXXX balance that the HSBC support representative left in the account, and it showed that XXXX ballooning into the {$140.00} that XXXX XXXX was now trying to collect.
XX/XX/XXXX XXXX - I emailed XXXX again, stepping her through the statements, and demonstrating how they supported my claims that this was an HSBC error, and not a debt I owed. I never received any response from XXXX, but the derogatory mark on my credit was removed a few days later, so I assumed the matter was finished.
XX/XX/XXXX - I received notification ( from XXXX XXXX ) that our credit report had changed. Logging in I see that the HSBC account is now showing as " charged off '' and has XXXX late payments listed.
I have now rung HSBC twice, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX times, XXXX XXXX multiple times ( I can never get through ), as well as two other collection agencies that XXXX referred me to ( XXXXXXXX XXXX XXXXXXXX XXXX ). All information I have is that XXXX XXXX are acting on the debt and are the ones who have reported the late payments and poor account standing, and yet I am unable to reach them to sort this problem out.
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| 08/11/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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I opened a XXXX Checking account on XX/XX/XXXX under a promotional offer on the banks homepage. I completed all the requirements and did not receive any bonus. I reached out to a representative on the support phone line who told me everything looked good and that i should expect the bonus at the end of XXXX. When nothing showed up i reached out again via chat support and spoke to a new representative who assured me the bonus would show up in the next week. Again nothing came.
A few weeks later ( XX/XX/XXXX ) I contacted the bank again and spoke to a representative named XXXX who said that i actually would not qualify for the bonus because i did not follow the terms. When i explained that i had in fact followed the terms and provided proof of that, the representative became aggressive towards me and was insistent that I had done something wrong. I asked to speak to a manager and talked with a very helpful individual named XXXX.
XXXX offered to open a case and look into things because from his end he believed i should have received the bonus without issue. About a week later i spoke to XXXX again and he said that the management above him told him that i would not qualify because i applied to the account at the end of XXXX ( I think they said XX/XX/XXXX ). I explained that I had opened the account at the beginning of the month and i even had transactions from the first couple days of the year. He was as confused as I and offered to reach out again to his bosses for clarification.
Another week went by and I heard from XXXX on the customer service chat. He explained that upon review i would not qualify for the bonus because the promotional offer was never linked to my account. I asked how that could be as multiple people before him had confirmed that the bonus offer was linked, I qualified, and I should see the account bonus soon. I even sent screenshots of my application with the bonus offer to XXXX. He said he really couldnt do anything else and that i should fill out a survey and could maybe get a response. He explained this this often happens, frontline support tells customers the wrong info or there are promotions that do not attach properly and that he had exhausted everything he could do.
I am incredibly frustrated and feel that I was taken advantage of in this process. I held many thousands of dollars in this account for about 8 months and at the end was told that I never qualified and no one can make things right. I believe this is incredibly dishonest and ethically atrocious. I closed my account with HSBC earlier this afternoon. I think the only way i could be convinced that this wasnt a XXXX grab for new customers and inflated numbers would be if anyone could make this right.
Nevertheless I intend to spread the word about my experience online and to everyone who is considering an account with HSBC. I wish this experience was better but this is the reality. I would like to be contacted should anyone wish to make this right. Thank you.
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| 10/12/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2018This started all onXX/XX/2018 when I received an email from my employer about a garnishment for XXXX XXXX aka XXXX XXXX. I've never been XXXX XXXX and I even noticed some time ago XXXX XXXX appeared on my Credit Report and I tried to remove it but it's still there. They related me to XXXX XXXX who probably owes this debt. XXXX XXXX XXXX is collecting on a debt that I do not owe for their client XXXX XXXX. I called XXXX XXXX and they refuse to provide proof that I owe this debt. There is a garnishment on my pay! I've called XXXX XXXX XXXX every day and multiple times a day since my pay was first garnished. I called them when I found out about the garnishment and they were supposed to send me the dispute form but when I gave them my address information they put it in wrong so I never got the forms. My pay was garnished two weeks later and I called again and they were just going to correct the address but I kept calling in irate and they finally emailed me the forms and gave me the information to fax it in. I continue to call and then I started looking up more information for XXXX XXXX and called them, the guy gave me another number of the debt collector to get more information. I called them and they said they just route the collection and that I would need to speak to the debt holder which was some other company name and gave me the number. When I called the new number it was XXXX XXXX and the guy actually picked up and then hung up on me. I called back and just let the phone ring until he finally answered. I continued requesting the information like the contract with my signature for this debt and he kept saying he can't give it to me over and over. Now I continue to call XXXX XXXX XXXX every day checking on the status of the request they sent to their client and they are 'still waiting '. on XX/XX/2018 they said they received a notification that the client sent proof of debt validity and I think it's going to be the judgement from the court which is in the attached pdf. They have already garnished {$1800.00} in a single paycheck. Which is incredible for a DEBT THAT'S NOT EVEN MINE!
They claim that I had a credit card from XXXX XXXX, which I never did when I lived at an address, that I never have. They have gotten information about me from my credit report because they have obvious basic information that anyone who has ever spoken to me would get right, wrong! They say that I knew about XXXX XXXX and I know that's a lie because I never even knew about the judgement until this garnishment. I would have went to the court but I was notified!
I have NEVER spoken to XXXX XXXX about anything EVER! Now I need to hire a litigator.
I have already submitted a WRITTEN debt validation request since the previous request over the phone was denied. I also submitted their 'fraud packet ' which I shouldn't have because now they can attempt fraud more easily. All of this will be included in the upcoming lawsuit.
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| 03/19/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Deposits or withdrawals
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Web |
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Complaint re HSBC branch address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear CFPB Supervisor : I am writing to report an on-going retaliation from HSBC against me for filing a complaint about HSBCs local XXXX XXXX branch manager to CFPB. ( Complaint # XXXX ) On Friday, XX/XX/2019, I received a shocking voice message from the same HSBC local branch, that they will close my account. They ordered me to provide a utility bill to prove my address ; or else. I explained to HSBC representatives that I did not have a utility bill, since I live with a partner and have never paid for utility. ( Follow-up # XXXX ) I fully cooperated and offered other reasonable proof, e.g., DMV registration ; tax records ; paycheck documentation ; or an affidavit under penalty of perjury ( from me and my partner, confirming my address ). Additionally, I even offered to add my name to the utility bill for the sake of HSBCs utility bill request.
HSBC rejected all of the above last week. Worse, now they even added MORE RESTRICTION. Now, HSBC would only accept proofs dated within the last 60 days.
This latest requirement was added AFTER I contacted HSBC multiple times last week and discussed ways I could meet their proof. Once they learned from me what available documentations I have, HSBC specifically created a new hurdle to overcome : last 60-day correspondence requirement.
I spoke to HBSC customer service representative, XXXX, on XX/XX/2019, to explain why HSBCs latest requirement was excessive and unduly burdensomeespecially in light of the available options that could be provided HSBC as proof.
In XXXX, I originally came to HSBC because of a special program they offered : a {$370.00} bonus plus {$100.00} referral to open a checking/savings account. I deposited {$10000.00} usd. I also opened a {$100000.00} certificate of deposit ( CD ) for one year, earning 2.5 % monthly interest. I was NEVER advised of these extreme proofs at the time of enrollmentotherwise, I and my friend would never have joined HSBC, and suffer these on-going cruel tactics.
It has become very clear to me and my family that HSBC is trying to close my account as a way to cut off any responsibility for the grievances I submitted to the CFPB. I have spent countless hours to resolve their sudden request -- as they kept moving the goal posts. Prior to this, I suffered even more aggravations from the branch manager, XXXX XXXX, for his mishandling of my account, subjecting it to a heavy hit credit check.
I urge CFPB to stop retaliation from HSBC directed at me and advise HSBC to accept reasonable forms of I have offered. These proofs have been customary forms of accepted documentations by numerous institutions.
If HSBC forcibly closes my account, then the fair resolution would be to compensate me for the bonus {$470.00} dollars and annual 2.5 % CD interests that I would have accrued had my account been left in peace.
Please feel free to contact me with any questions.
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| 12/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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I opened a HSBC Choice checking account in early XXXX of XXXX. HSBC was running a promotion then that they are still running now ( from their offer terms and conditions ) : " HSBC Choice Checking {$200.00} Welcome Deposit : For this offer, New Money33 is required. HSBC reserves the right to change or terminate this offer at its sole discretion. For purposes of determining whether you have maintained the Qualifying Balance for the Welcome Deposit, a New Money average balance will be calculated by averaging the end of day balances of each Business Day throughout the total offer period.
Your HSBC Choice Checking account must be open and in good standing at time of gift fulfillment. Limit one Welcome Deposit per customer, including all individual and joint accounts - the first line name on the joint account is considered the customer for gift purposes. The Welcome Deposit to your HSBC Choice Checking account will be reported on the applicable IRS form. Eligible customers who take advantage of this offer can not receive any other New Consumer Deposit Offers provided by HSBC Bank USA, N.A. New Consumer Deposit Offers are defined as incentives in a form of merchandise and/or cash bonus that are offered to customers who open an eligible checking account and satisfy qualifying activities. '' It is now XX/XX/XXXX and I have both maintained a {$1500.00} balance AND a recurring direct deposit from my employer since the account was opened. However, HSBC is refusing to apply the {$200.00} reward. From their customer service agents, I have received 3 different reasons : 1. The first agent said I do qualify, but would have to wait another 4-6 weeks ( this was in XXXX ).
2. After still not receiving it, the second agent said I did not receive the reward because my balance was only {$250.00}. This agent was looking at my credit card account, not my checking. When I corrected them, they pivoted and said my account would need to be reviewed.
3. The agent I spoke with today said that I did not receive the reward because I already had a HSBC credit card which disqualified me from the reward.
Regarding # 3, here are HSBC 's terms on existing customers : " This offer is available only online for applications completed using the Apply now button on this webpage. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past three years to apply for a deposit account online. Customers who held an HSBC consumer deposit or investment account from XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. All qualifying activities must be completed within the stated time frames in order to be eligible for the Welcome Deposit. '' I did not have a deposit or investment account, I had a credit card account. Again, HSBC is changing the rules as they go along to avoid payment of a simple and straightforward new account reward.
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| 02/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On the morning of XX/XX/2021, my three bank cards and one store card were stolen from my handbag, which was in my locked car, and not visible from the outside, while I was parked at a nearby athletic club. Between XXXX a.m. and XXXX a.m. purchases were made on all three bank cards totaling approximately {$9500.00}. I discovered the theft at XXXX p.m. that same day, when I went to pay for groceries at a local market and realized my cards were missing. I immediately went home and called all three bank card issuers ; XXXX, XXXX, and HSBC. XXXX and XXXX immediately looked up my accounts, closed them, reversed the bogus charges, and issued me new cards ( the perpetrator ( s ) did not make purchases on the store card, but the store closed the account anyway and issued me a new card ). Most of the fraudulent charges were made on the HSBC card. That company is refusing to reverse one of the charges, to my local XXXX store for {$1300.00}, arguing that because I bought a phone from that store on XX/XX/2021 for {$390.00}, it is proof that I do business with that merchant, and that means that I also made the {$1300.00} purchase myself. So, I went to XXXX on XX/XX/2021 to get a copy of the receipt of the purchase and discovered it was for gift card. I emailed the receipt and my explanation ( again ) in writing to the website that HSBC listed as the resource for filing a fraud claim. The result has been nothing from HSBC, only the continued allegation that I was the perpetrator ; several customer service reps actually asked me if I currently had the card in question, the card their own company discontinued at the time I reported its theft! They did reverse a bogus charge at XXXX XXXX ( for another gift card ), and I pointed out that I also do business at XXXX ( purchasing gas there for the last three years as well as shopping there at least once weekly ), so why did they reverse that fraudulent charge but not the XXXX charge? They have no answer, even after I continue to point out their illogic. I have spoken to numerous reps, including from customer service, the fraud unit, and the dispute unit, but no one calls me back, though they always say so-and-so will be in touch in the next several days. My latest statement now not only reflects the ongoing {$1300.00} bogus charge, but also interest on it, and my credit rating as listed in this statement has dropped from XXXX to XXXX. I will not call this company again, and I have made it clear for their records that I will never pay this fraudulent charge or the interest it accrues or the {$39.00} monthly late fee that will occur beginning this coming month, because I am the victim in this situation, not the perpetrator. I am eager to provide CFPB with documentation to support my claim, but there's a lot of it and would prefer to send it by mail, if that's possible. I thank you in advance for any guidance you may be able to offer in this very stressful matter.
|
| 02/06/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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Dear whom this may concern, I currently have choice checking account with HSBC. I received letter in the mail dated on XX/XX/XXXX saying that I need to visit local branch or call HSBC at XXXX XXXX XXXX. This letter says that HSBC need additional information to complete the records of my account even though it has already been opened since XX/XX/XXXX. The letter threatened to suspend my account or even close my account if I don't complete this by XX/XX/XXXX.
I am unable to visit the local branch because I am traveling indefinitely. I proceed to call the number since last week numerous time. Each time I was put on hold for over an hour with no luck.
I have tried calling other numbers such as ( XXXX ) XXXX. No one was able to respond to what this " additional information '' request is all about. I was transferred to the " right department '', but was still on hold. In multiple calls, the result was the same and I was put on hold for over an hour each time. I was told by the representative that I will be emailed back or called back, but I never heard back from anyone. I have already given every means for HSBC to contact me back including my email address, my phone number that works in the US, and another number that works while I travel in XXXX. The total time I wasted to wait for someone to respond was over 4 hours since I tried to call.
This whole thing is unprofessional and inhumane. HSBC side could not be reached in the first place. First of all, there was nothing wrong with my account. Secondly, HSBC should be the one to try to reach me via phone and email. The act to demand me to contact the company when HSBC was never available is the worst kind of of business practice. I demand some real monetary compensation for wasting both my time and emotional energy of trying to reach you since XX/XX/XXXX until now.
Finally After being put on hold for 45 mins on XX/XX/XXXX, someone finally answered. I was threatened by HSBC Just so they could complete basic trivial info like " how am I going to be using my bank account '' Or if " I recently graduate and where do i work. '' I demanded to speak to a supervisor, and was still put on hold as the supervisor couldn't be reached. I was told that my complaint will be filed, and I was promised that I will be contacted back. I hope this promise is true because I have yet to be compensated for this mess.
In another separate incident, I asked one of the rep on the phone about transferring money between from my brother 's account to mine. We both owned HSBC account so we would like this to be done electronically on XX/XX/XXXX. I was advised to use the bill pay function and was guaranteed on the phone that the money will be received in 3 to 5 business days. A week passed, and I did not receive the money in my account. Instead we gave up and he had to do another separate transaction to wire the money in. It took over 3 weeks to transfer the money!!!
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| 10/26/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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|
Web |
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I am a US Citizen temporiraly living in XXXX, XXXX.
Short story : My birthday is wrong in the HSBC system, and I can no longer log in to my account. I need my birthday changed. I have spent well over 4 and a half hours ( about 273 minutes by my count ) either talking to HSBC reps or on hold trying to fix this problem.
The way I see it, HSBC has stolen my money and time.
Long story : 1 ) After coming back from vacation, I tried to check my account on Sunday, XX/XX/XXXX. Security features had been added which asked for my birthday. I put in all the correct details, and it would not let me log in.
2 ) I called HSBC for the first time on XX/XX/XXXX. I told the representative what was wrong. I had not changed my password. He told me to change my password. I still couldn't log in. He told me to change my password again. I still couldn't log in. He said try again later. That phone call took 39 minutes and 50 seconds.
3 ) I tried again later on XX/XX/XXXX. It did not work. I called again. They again asked me to change my password. After I explained that that wasn't the issue, I did it anyway, and it did not work. The representative did not know what to do. That phone call lasted 43 minutes and 45 seconds.
4 ) At work Tuesday morning ( XX/XX/XXXX ), I tried to log in again, and it did not work. I tried talking with the online chat. After explaining the situation, they told me to call HSBC. The online chat took 30 minutes.
5 ) I called HSBC three more times with the number the online chat person gave me. I got no response as it was not US business hours.
6 ) The online chat person gave me a different number. I told the representative the entire story, she had me change my password again, again, it did not work. This representative noticed that my birthday was in the system wrong ( even though I asked the first rep if it was correct ), but told me I had to wait to call during US business hours. That call took 29 minutes and 2 seconds.
7 ) I called again later that day, but it was no longer during US business hours. It took 7 minutes and 26 seconds to find that out. The representative took my number and said they would call me back, they never did.
8 ) I called again yesterday ( XX/XX/XXXX ), during US business hours, explained the situation, and was put on hold. I waited 1 hour, 2 minutes, and 22 seconds. I was not connected to anyone.
9 ) I hung up and I called again, again I explained the situation, and the representative told me that she was putting me in a " priority queue '' and that this situation would be resolved today. I waited on the " priority queue '' for 39 minutes and 38 seconds.
10 ) I hung up and I called again, again I explained the situation, and again the representative tried to connect me to another department and I was put on hold. I waited 22 minutes and 42 seconds, and then HSBC disconnected the phone call.
I still can not access my account.
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| 05/20/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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1. I asked for a payment history on my loan over 90 days and still have not received it. I have received a couple of letters saying that HFC needs more time. It has been over XXXX days since I made the request. What would take so long to print out my complete payment history.
2. HFC put my loan back in the bankruptcy department and has turned off my online access to my account. I did n't receive a bill for XX/XX/XXXX. I ca n't view any bills online as I am locked out. I do n't know what my payment is without a bill?
3. I called on XX/XX/XXXX to make an over the phone payment. I was transferred to the loss mitigation department to XXXX XXXX. No answer as usual so I pressed XXXX. I got a loss mitigation employee that said I needed to speak with the bankruptcy department. I was transferred to another associate and told her that I was trying to make a payment. This associate said okay I will get you to the bankruptcy department. I was transferred to XXXX in the bankrtupcy department. I told her I was trying to make a payment and wanted to know why my account is in the bankruptcy department. I was asked if I recently filed bankruptcy. I said no and she asked if anyone else who lives with me filed bankruptcy. I told her know and she said she needed to review the notes on my account. XXXX told me that there were errors on some payments in XX/XX/XXXX/XX/XX/XXXX and they were being corrected. I asked what payments and why have I received a corrected XXXX. XXXX was unsure and told me that once they complete the audit I would be pushed back to regular servicing. I said I am not receiving bills now and have no online access. I asked why would payments from XXXX years ago need to be corrected now. I asked for a payment history! XXXX has no real reasons. I asked how in the world I make a payment. XXXX said she could take a payment over the phone. I asked what I owed since I do n't have a bill. XXXX just responded with " well what do you want to pay? '' This is such a nightmare I ca n't believe that I am still having to go through this with HFC! I made a payment over the phone and asked when someone would tell me what 's happening and why? XXXX did n't know but gave me the XXXX number to HUD.
4. Why is my loan is the bankruptcy department? I have been discharged from my bankruptcy since XX/XX/XXXX. Why am I not getting bills? Why is my account access turned off? Why have I received a corrected XXXX? Why have I not received the payment history I asked for over XXXX days ago?
5. I applied for a loan modification back XX/XX/XXXX and was told my payment history had to be audited back then. It took XXXX year and a compliant to the CFPB to get the modification approval. Now my payments are being adjusted again? What is going on? This is not good business practices. My loan as I assumed is not correct! That is why I am being denied the payment history. HFC is not an honest company!
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| 05/01/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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1. The first complaint that I have is that I requested a loan modification XX/XX/2015 because I was unable to make my payments at the current rate and I was approved. I followed everything I was supposed to do according to the verbal conversation I had with the representative. After I mailed the 4th payment I received a letter telling me the loan mod was cancelled because I had not sent back the paperwork. I called and asked what paperwork they said the modification agreement. When I requested them to send it back out so I could sign it, their response was no we will not send the paperwork again, we are returning the last ( 4th ) payment made and to not make any other payments at the modification amount, and to contact a HUD agent.
2. After working with a HUD agent for the last 6 months, we have been offered a new loan modification agreement. This modification agreement has worse terms that the last one. Examples of these terms are the interest rate and the length of the modification.
A. I was told the 11.9 % interest rate would go to 5.57 % for 5 years and then would increase by 1 % until it reached the cap, which is current market interest rate. This was in the preliminary loan mod paperwork. Which my HUD agent and I called to get verification on so we could make an informed decision before sending in the {$1500.00} payment required to start the modification process. However when I received the paperwork to sign and send it back it said the rate was 6.232 % and after the 24 months it would go up it would back to the 11.9 % interest rate.
B. This new modification is for only 24 months not a permanent resolution to the problem. The last loan mod was a permanent fixed modification.
3. The new loan modification paperwork I have received says that the balloon payment is no longer required but is unclear if it will come due at the end of the 24 month modification or the end of the loan or if it completely gone. All of these answers have been given to us by several " mortgaging specialists '' at HSBC when we have called to get clarification and none of these answer are put into writing give confirmation of what answer is the correct answer.
4. Deferred Interest : In the modification agreement I received it claims over XXXX dollars in deferred interest. When asked about this we were not given answer on who authorized and agreed to this. I was told on the Phone with my HUD agent present the last deferment was made in XXXX 2015, which I had no knowledge of, did not ask for at the time, and was not notified of the deferment. HSBC took it upon themselves to do what they wanted without consulting or notifying me about this.
5. Then all on the same day, my HUD agent was notified I was approved for the loan modification, I was sent the preliminary paper stating that I need to mail the XXXX payment to start the modification process, and they filed for foreclosure.
|
| 12/02/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2021, I was on my way to Wisconsin for work and HSBC USA decided to freeze both my XXXX Checking and XXXX Savings accounts to verify a wire transfer that I subsequently canceled. Note this was the 3rd time in 3 weeks they did this to me. I informed them that I no longer needed the wire transfer and took care of my obligations via alternate means. However they insisted that I go to a branch to verify my ID even though I informed them that 1 ) I was almost out of gas and without access to my funds there was no way I could make it to any branch as 2 ) the nearest branch to XXXX, PA was 3 hours away. On XX/XX/2021 I contacted the bank again via phone and again requested my funds be released and they questioned where I got my funds from. I informed them that it was from the sale of my house in Florida and they demanded proof. XXXX wire transferred the funds to XXXX Bank back on XX/XX/XXXX and the remaining amount later in XXXX. No funds were ever wired to HSBC. I informed them that XXXX already verified my information and issued me a certified check when I closed my account with XXXX. The only verification they should need is to confirm with XXXX the validity of the certified check, which, if it wasn't valid, XXXX would not have cleared. They still insisted and I send them documentation of the sale of my home. So I forwarded the information to them and in the email I voiced my concern that I was being singled out and they should stop the racism in banking. Right after that email they subsequently 0pened my account. However within 24 hours they froze my account again. This time claiming that my account was pending an audit by the fraud department that they said could last indefinitely.
Every time I call I'm informed that they do not have any information. Can't disclose the nature of the audit and the timeframe for the conclusion of the audit. I continuously feel like I'm being singled out because I voiced my concern about them operating like minorities can't sell a house and earn that much cash. I also informed them that thanks to their decision to illegally hold my funds, I was stranded XXXX in XXXX, PA for 4 weeks and had to beg for assistance and food. I didn't make it to Wisconsin for my work and I have since lost my job, lost my health insurance, can't pay my bills, potentially will lose my car, don't have car insurance. I'm facing XXXX XXXX XXXX XXXX, as I can no longer afford my medication. Yet all I receive is callous, insincere, and in some instances misleading/outright lies as responses.
As of today, they are still holding my funds without any legitimate reason. Even when I finally made it to a branch and was verified, they still refuse to give me my hard earned funds and are acting like the funds belong to them. I am planning legal action and I'm reporting this to the CFPB so that any regulatory actions necessary can be taken as well.
|
| 02/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
Servicemember |
|
On XX/XX/2018 I was called on my mobile phone number by an " UNKNOWN NUMBER ''. The caller left a message as such : " This message is intended for ( First name, last name - both correct ), my name is XXXX XXXX contacting you about a complaint in my office being considered for legal action. Contact the firm at XXXX with any questions or concerns regarding case # ( 6 digit number ). No contact may result in a decision perhaps made without your consent. '' I dialed the number and a young lady asked to confirm my case number and then read me that last 4 digits of my social security number to confirm my identity. She stated that the company was going to file a judgment against me on behalf of XXXX XXXX XXXX for a debt that I owed. ( That debt is over 10 years old and the Statue of Limitations has passed and the amount was very small ). I asked her the name of her company and she stated " XXXX XXXX XXXX ''. I asked her if they were a collection agency or attorney firm and she couldn't answer the question so I asked to speak to an attorney there. She put me on a long hold and finally a man named XXXX XXXX answered. I asked him to clarify the name of the company and he refused. When I stated incorrectly XXXX XXXX XXXX, he said, " well obviously you don't hear well because the name is XXXX XXXX XXXX. '' He was extremely rude and I informed him that I didn't feel I owed the debt and that possibly the SOL had expired and he said, " Well, since you are a CSI guy and watch television you think you know the law now '' I informed him that I was well aware of my rights and the nature of the FDCPA and that I believed he was in violation. I asked the address where he supposedly sent the demand letter with all supporting documentation. The address he gave has never been an address at which I lived or worked, nor is it an actual address in any of the places I have ever lived. I asked to speak to an attorney there and he said one had not been assigned and that I was wasting his time and that I wouldn't get to speak to an attorney. I asked him if my attorney called would my attorney get to speak with an attorney. He became extremely rude and stated that he was busy and I was wasting his time. He hung up on me in mid sentence shortly after that.
Additional calls were more of the same banter - I tried inform him that his company name was not listed as a company with the CA Secretary of State and he said that was my problem for not know how to use a computer and again was extremely rude. He stated I was harassing them for trying to get clarification.
After research online, it seems that this company has many complaints from other consumers on various telemarketing bulletins boards and complaint sites that they never have the correct information and threaten legal action to collect money.
Here are some examples : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
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| 11/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
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I made a XX/XX/19 payment to HSBC bank for a consumer credit card ending in XXXX through an auto-payment set up to take the entire statement balance out of my account.
Unbeknownst to me, the payment failed due to insufficient funds in the payment bank and the issue I have is that the credit card company HSBC failed to post the failed payment back to my account for 31 days and they waited to post it back to my account until a day after the next autopay posted ( the autopay was set up to pay the full statement balance on XX/XX/19 which did not reflect the returned payment ). HSBC waited until XXXX to post the returned payment.
When I researched with the payment bank, I learned the payment was attempted and failed on XX/XX/19. The funds were never taken out due to a hold that was on a check that I had deposited. Thus HSBC ( the credit card bank ) would have had a failed pay and known that within 3-4 business days that the funds failed to come out of the payment bank, yet they sat on the return payment without posting it so that it wouldn't be paid off in full with the XXXX autopay, allowing them to unjustly enrich themselves by collecting additional interest from waiting until I received the XXXX statement ( 2 statements later ) and noticed that there was a problem. Any ethical bank would have posted back within a few business days and then at worst the funds would have been taken out with the next auto-payment. At best, they would have sent an email notifying three days after the payment that there was a payment issue ( I have email spam from them constantly so they have no trouble sending to me ). According to HSBC 's operators, no attempt was made to notify me there was a problem with a payment.
On XX/XX/19 I spoke with several operators and several supervisors/operators that were supposedly managers with the company yet didn't seem to have any authority to resolve what seemed to be a fairly straightforward issue. Two of the four operators were XXXX XXXX, XXXX XXXX # XXXX.
Had HSBC posted the failed payment back to my account in a timely manner, I would have been able to immediately taken care of the issue through autopay in XXXX or a manual payment. Since they didn't post the failed payment in a timely manner, when the returned the funds back they posted it on XX/XX/19 yet did so retroactively to the original payment date yet and thus charged me massive interest in arrears which I had no idea were accruing.
All interest charges should be reversed since HSBC did not post the failed payment back in a timely manner so that 1 ) the following month 's XX/XX/19 autopay would take care of it, 2 ) or I could personally take care of it through an additional manual payment. I've already set up a payment for the failed payment as soon as I realized there was a problem which was on XX/XX/19 when I noticed the problem upon logging into my account.
|
| 04/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
|
>On XX/XX/XXXX, I received a mortgage from Beneficial HFC for a term of 15 years.
On XX/XX/XXXX my husband and I received another mortgage from same company term of 5 years. The XX/XX/XXXX mortgage has been paid off. A few years after my husband passed away I started having problems making my payments at which time several problems arose. I did get help after a lot of confusion between me and them by them deferring my mortgage interest and restarting my payments. I had problems after that with different things they would charge me for and not being able to explain what the charges were for but I had to pay. Time after time they would charge me for homeowners insurance when I already had insurance. It was a nightmare. My payment amounts were changing, interest rates changed, principal balance was much higher than it should have been. Finally in hopes to stop confusion I agreed to a loan modification. The loan modification was dated XX/XX/XXXX. My hopes were shattered. I still had trouble with them applying my payments correctly and had my escrow balance wrong. Escrows for taxes and insurance started with modification. Six months after the loan modification my mortgage started being serviced by XXXX XXXX XXXX. In XX/XX/XXXX the mortgage servicer changed again to XXXX XXXX XXXX. Starting with the first Payment to XXXX they sent a statement showing I was a month past due. I was not past due and have tried several times to show them where the problem occurred but they ignore it. They have shown me past due several different months. I have proof of all payment since modification. Every month since the loan modification I have gotten in addition to my statement letters with subjects of Servicemembers Civil Relief Act, Home ownership counseling, and Loss litigation hardship assistance, and Notice of intent to foreclose. I wasn't behind on my payments.
When I gathered information from the statements etc I had from mortgage companies, I found several XXXX with loan numbers I wasn't familiar with and could find nothing on I requested that they identify the loan numbers that were on them. They ignored request. I had thought maybe some payments were posted wrong. I have had different loan numbers I didn't understand associated with the XX/XX/XXXX mortgage.
I mailed by certified mail a letter explaining my concerns and wants plus 15 different documents to all three mortgage companies showing problems and proof of my payments. Much to my disappointment nothing changed.
I need help. I am a widow on social security and I need peace of mind I can finish help paying off my mortgage without having to pay much more than I should have to pay. I need a solution to this problem. I have lived every month with excessive XXXX and XXXX because a mortgage company refuses to correctly reconcile this problem.
My effort to reconcile problem wasn't accomplished. No
|
| 12/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Servicemember |
|
I am filing this complaint with CFPB because in the last 60 days I have been unable to receive any response whatsoever to my online and written complaint mailed to the HSBC Executive Office on XX/XX/XXXX at HSBC Bank USA, N.A., Executive Office, XXXX XXXX XXXX, XXXX, NY XXXX concerning the following : In XX/XX/XXXX, I did a Balance Transfer of XXXX ( including transfer fee ) with a 0 % APR until XX/XX/XXXX. In XX/XX/XXXX, I received my first interest charge on a balance of {$790.00}. The interest computations seem correct ; however, on my statement it reads : " Interest Charge on Cash Advances ''. By the way, when I look at my transaction history online at the HSBC website, it reads " Finance Charge Cash Advance '', instead of " Interest Charge on Cash Advances ''. Either way this is incorrect when listed as a Cash Advance.
I noticed this error on XX/XX/XXXX when making my timely online payment.
On that same date, XX/XX/XXXX, I contacted HSBC via their chat line. I was told that the Balance Transfer showing as a Cash Advance was a computer error on the part of HSBC. I opened up complaint number XXXX and sent a written complaint to the HSBC Executive Office address listed above.
In my written complaint, I advised HSBC that I was entitled to an accurate statement reflecting MY transactions. Attached to my written complaint was the chat line conversation that had been emailed to me as documentation. This chat documentation also included the Executive Office address where I was directed to mail my complaint.
Also included in my complaint letter were portions of HSBC 's own credit card agreement showing that Purchases, Cash Advances, and Balance Transfers are distinctly different transactions. Additionally, according to HSBC 's own credit card agreement, I am entitled to a response to a written complaint within 30 days. So 30 days later when I again went to make my timely online payment on or about XX/XX/XXXX, I called HSBC to follow up on my complaint. I was advised that my complaint would be resubmitted.
It is now XX/XX/XXXX and I am once again making a timely online payment and, to-date, I have received no response whatsoever from HSBC. As a note, I always make my payments online, although the address to mail payments is : HSBC Bank USA, N.A. at XXXX XXXX XXXX, XXXX XXXX IL XXXX.
Additional note : In my original letter in the RE section, I indicated the complaint number as XXXX. The correct complaint number XXXX is in the chat documentation attached to my complaint. In my XX/XX/XXXX phone call to HSBC, I was advised of this error and added a notation to my copy of the complaint letter in the RE section. I did not send a new letter to HSBC because they had more than enough information to address and handle my complaint. I have attached a copy of my letter. The original letter was printed out, signed and mailed to HSBC to XX/XX/XXXX.
|
| 06/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Servicemember |
|
I received a letter from HSBC on XX/XX/XXXX stating they were reducing my credit limit stating it was due to a low credit score, missed payments, high balance and more.
None of which were based on reality as I have always paid on time, every account outside of HSBC has been paid on time, my Fico score was XXXX, my utilization ratio was at about 25 % of the card 's total limit.
The cut reduced my limit by 74 % which will make my overall credit utilization sky rocket and severely affect my overall credit score.
I called immediately after opening the letter on XX/XX/XXXX asking for answers thinking it must be a mistake. They said they would look into it and give me a call back by the end of the next day.
On XX/XX/XXXX I did not recieve a call.
I called back on XX/XX/XXXX and asked if they could pull up the issue and they informed me there were no notes of any conversation. After being transferred several times I spoke with someone who said the only way I could submit a complaint is to write a letter. I asked if there was any other way to fix this sooner by email/phone etc. And they said no.
I wrote my letter with attached full credit report and mailed it via certified mail on XX/XX/XXXX.
I recieved a call in response to an email I had sent out on XX/XX/XXXX. The call was at XXXX, they left a message and told me to call them back. I did and unfortunately it was just the main number so I didn't reach anyone. I left a voicemail saying I was returning the call. I have never received a call back.
I emailed the representative that left a voicemail on XX/XX/XXXX informing her that it was XXXX on the west coast, but I was available anytime between XXXX PST 7 days a week.
On XX/XX/XXXX I recieved an email dismissing my complaint and ignoring my request for phone communication. The email stated " We regularly conduct reviews of customer accounts and may make changes as a result. A decision was made to decrease the credit limit using a combination of credit bureau reporting and existing banking relationship. Ive included a current copy of the Cardmember Agreement provided when you applied for the account. Credit Limits, and our right to change the limit, is discussed on page 2. '' Which was the exact letter I recieved in the first place and the same response I kept getting from calling the customer service line.
I responded to the email 12 minutes after it was recieved asking if she received the letter I mailed and know was given to the office because I sent it certified mail.
There was no response.
The letter contained my complaint, my full credit report and payment history with every account I have showing a flawless record.
I was not listened to, it was near impossible to get someone to talk to, I was still given false reasons as to why this happened and this is going to severely impact my credit despite doing nothing wrong.
|
| 06/19/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
In the middle of XXXX XXXX, I opened a premier checking account with HSBC Bank USA N.A. to pursue a welcome bonus of {$750.00} as long as the monthly direct deposit is not less than {$5000.00} for three consecutive months from the second month after this account is opened.
Then I gave my Payroll the filled out HSBC Bank standard form of " Direct Deposit Transfer '' ( attached ) to set up a direct deposit payment in the banking system for paying me of my wage every two weeks. After that, my HSBC Bank premier checking account has received direct deposit more than {$8000.00} per calendar month.
However I have no received the expected welcome bonus of {$750.00}.
The HSBC Bank advertisement of this welcome bonus did not define what is the exact meaning of " direct deposit '', nor mentioned that ACH ( automatic cleared house ) payment method or CTX ( corporate trade exchange ) payment method disqualifies.
So I have contacted the customer service at least five times using its online Live Chat since XX/XX/XXXX and every time each customer representative more or less told me different things however the overall determination is that its marketing department disqualifies the award of welcome bonus to me based on following reasons : 1. I was told that the bi-weekly transaction in my account does not contain a description or verbiage like " direct deposit '' therefor it's not direct deposit, and accordingly disqualified for welcome bonus.
2. I was told that my Payroll makes payment to my HSBC Bank premier checking account using CTX ( corporate trade exchange ) payment which is not a direct deposit.
I was totally confused how a common customer like me knows the exact meaning or difference between direct deposit, ACH and CTX? HSBC shall never play wording or verbiage games with customers.
Actually, in XXXX or XXXX ( I forgot detailed date and HSBC denied to provide me a copy from its digital recording system ) I chatted online with one of its customer service representative to check if my account transaction status was OK for receiving welcome bonus and I was told that my transaction was direct deposit and had been running well so just wait to see three calendar months passing would make you receive the welcome bonus automatically. But it looks not true now.
It's very frustrating why HSBC Bank did not define or explain the exact meaning of direct deposit in its advertisement in XXXX before I open the account. Therefore it has brought confusion or misunderstanding to a customer like me.
I did the double check in XX/XX/XXXX with my Payroll department to confirm that the direct deposit had been properly set up with HSBC Bank. Please see attachment.
Could you please investigate for me and make sure the pursuance of {$750.00} welcome bonus is paid by HSBC Bank.
My case with HSBC Bank USA N.A. is XXXX.
Many thanks.
XXXX XXXX
|
| 06/01/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
XXXX XXXX reside at XXXX XXXX XXXX XXXX ny XXXX with my husband XXXX and Daughter XXXX XXXX Hsbc Beneficial are nothing but scammers. They have ruined my life along with my family. The refuse to work with modification, lower interest rate. we are paying XXXX which is extremely high. They are taking full advantage of us because of low credit scores, and lack of knowledge.
How is it that those that were originally clients of Beneficial Finance, which is a predatory lender are now being taken advantage of a worse lender HSBC. We were n't ask if that 's what we wanted. Our accounts are sold out before the ink dries to the biggest crooks that seem to be monopolizing this business. Since there are so many complaints against Beneficial Finance/HSBC why has n't Consumer Affairs done a thorough investigation which would include an audit on the accounts of the consumers that have complained. I do n't think that is too much to ask for. Listing our complaints on a website might stop those that are thinking about getting a loan through either of these companies, however the consumer whose mortgages have been transferred to HSBC because of a merge etc should not be made to be robbed continually, for something they had no control over.
Once you get involved with these companies it 's like being in quicksand, you never seem to get out. They have also called me all hours of the day including my place of employment and contacting my supervisor gave her personal information, which is a violation of my privacy under the HIPPA laws. I request their phone records should be requested to be reviewed for exceeding calls and threats. I also disagree with their response from the first complaint filed. All the info the responded with was all a bunch of untrue documents. I feel they should be held accountable for all the stress with them forcing us into foreclosure status They have ruined my life. We had a loan approved through the VA mortgage. When we ready to close to the mortgage agreement. Hsbc stated we owed them additional XXXX XXXX of interest.
I 'm hoping XXXX can help assist me get this company to clear up my account. Because I am being made to pay my mortgage to include an escrow account which would have made my mortgage higher, however I am being made to pay a higher mortgage payment, and pay taxes and insurance outside of the mortgage. And now they want to add on more money to include another escrow, why when they have n't use the amount that was supposed to include a escrow account in the first place. I 'm not the only one with horror stories towards these companies. I feel these claimed are founded to be valid then an audit over the whole account should be done. I need your help, we need your help if you ca n't help us please direct us to who can. I live in New York State. When the lender modifies your mortgage it has to be in escrow.
|
| 05/05/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XXXX XXXX, 2015 At approximately XXXX-XXXX, I answered my cell phone however there was no response from the caller. I immediately checked the call in to determine the source. It appeared to be HSBC. I placed a phone call to the number and reached XXXX XXXX, HSBC Home equity-line of credit representative. I asked about the nature of the call. XXXX indicated that this was an inquiry to see if I would be able to make a payment on the loan to bring the account current. XXXX, stated further " that during your financial interview on XXXX/XXXX/15, the information the information collected did not meet certain requirements. I stated that during the week of XXXX XXXX, 2015 I spoke with XXXX XXXX the account manager handling, the mortgage modification request. XXXX further informed that I was no eligible for the modification. This was determined by lack of income. I inquired what the income level needed to be. She stated based on the financial statement your previously provided you are not eligible. That seemed odd since HSBC approved a modification of my first loan which improved my income cash flow by more that {$600.00}. I stated to XXXX that I will inquire further to address this concern. On XXXX XXXX, 2015 I spoke with another HSBC representative XXXX. She stated that there is an option to enter into a payback option. This payback option was described in XXXX parts. The first option is XXXX % at XXXX An additional option at XXXX % XXXX and a final option at XXXX % XXXX. I asked could she send this in writing. She stated no they can not do that. This all seems very odd. No one from HSBC is willing to send forward in writing. I am not asking for a fair review. I am asking for a investigation of this matter. This is my 3rd complaint submission against HSBC. For HSBC not to send this tentative agreement of terms in writing, is not a sound business practice. It also appears that HSBC has taken the position to close the home-equity line of credit. I suspect a reconciliation of payments with the amortization schedule will show discrepancies of the principal owed and the payments applied. I asked that my previous complaint submissions be re-opened to address my concerns.
I have taken the appropriate steps with credit counseling and made substantial cuts in family budgets and expenses. I am also working to resolve issues with other creditors. My original concerns with the modification process is multiplied by several representatives being assigned as my case manager. It was acknowledged that several documents were not sent to me in a timely manner and that their computer fax system does not always update information properly. The initial case manager on my XXXX and XXXX loan modification XXXX XXXX informed me that my original submission went into their processing system satisfy the first loan mortgage modification and not the second.
|
| 01/27/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Confusing or missing disclosures
|
|
Web |
Older American |
|
Date : XX/XX/XXXX To Whom it May concern I would like to bring following facts to your attention and request amicable solution.
My company ; XXXX XXXX XXXX XXXX is US based organization doing export business especially with XXXX.
During first week of XX/XX/XXXX, I approached HSBC to open Business Account and met XXXX XXXX XXXX Vice President XXXX Relationship Manager XXXX Spectrum Center, XXXX XXXX XXXX . I explained to her the reason to open Account with HSBC which was International Banking and I also emphasized that Transactions will be involving collection of payment against the documents from Overseas. She confirmed that the bank provides this facility and this was the reason I opened my account with HSBC, otherwise I had Business Account with XXXX XXXXXXXX XXXX.
On XX/XX/XXXX via Email, I was confirmed that new business checking account is open and I was provided all the details truncation fees etc.
I start operating the account and on XX/XX/XXXX I received wire transfer from my overseas and another wire transfer was received in my account on XX/XX/XXXX.
I visited XXXX XXXX office around XXXX XXXX and asked her the fee for the transaction to collect funds from Overseas Bank. She sent me the charges schedule via email on XX/XX/XXXX.
On XX/XX/XXXX, I requested via email to XXXX XXXX about the procedure to submit the documents, I received the automatic reply that she is away and will be back on XXXX of XXXX On XXXX XXXX, I sent another email with the idea that she might have returned but again received automatic answer that she is away.
I visited the Branch to discuss around XX/XX/XXXX XX/XX/XXXX and met XXXX XXXX XXXX, Manager and asked him about the procedure for submitting the documents. His answer was that we do not do this kind of transaction, which was very disturbing to me as my shipment was ready to leave the next day.
I tried to approach thru customer service to find the right person and finally I was successful to converse with XXXX XXXX and advise that someone from relationship team will advise you further. ( Copy attached ) On XXXX XXXX, XXXX I received email from XXXX XXXX in which he asked structure and amount of transaction, as well Name of Bank, which I provided.
On XXXX XXXX. I received reply from XXXX XXXX that we do not have any corresponding relations with this bank. ( Important thing to note that XXXX XXXX did not object on the size of Amount but only on corresponding Bank ).
On XXXX XXXX, XXXX I requested XXXX to provide XXXX name of banks on HSBC Correspondence list.
On XXXX XXXX, XXXX, XXXX XXXX provided with two names of the Banks as HSBC Corresponding Banks in XXXX.
On XXXX XXXX and XXXX I requested confirmation, if my client can use those Banks.
On XXXX XXXX, XXXX, I was informed via email by XXXX XXXX that we are unable to help you with the transaction based on Volume.
|
| 12/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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In XX/XX/2018 I noticed around {$26000.00} of fraud on my HSBC credit card - mostly at two stores in a different state over a two day period. I was surprised that HSBC didn't flag this as fraud, so I called them to report it.
A few days after reporting it HSBC had closed the account and opened a new credit card. They produced a statement on the old account showing the large balance with a due date just a few days later. I was advised to ignore the statement, but was annoyed at getting a statement that said it required payment so soon. Unsettling that the paperwork from the bank said one thing and the staff said another. I made several phone calls about this and to request updates about the investigation. HSBC Premier advertise a 24/7 customer service number but outside XXXX they aren't really able to answer this type of question.
HSBC report a credit score on statements. During the fraud investigation they were reporting a significantly lower score on my statements which was concerning as it was flagged as being caused by " large balance '' ( the fraud amount ). They were not able to satisfactorily explain this or explain why the score they reported had changed significantly whereas the score from other sources ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) had actually not changed.
By the end of XXXX I received a letter saying the issue was resolved and that I did not owe the money. I also received a statement for the old account with the full balance on the statement but with a minimum payment due of {$0.00}.
A month and a half later on XX/XX/XXXX I received another statement but this time is said I had a past due amount of around {$500.00} despite the prior statement saying no payment was due. I called the 24/7 premier customer service at HSBC but they were not able to help although they did suggest calling during XXXX Mon-Fri.
I asked about their complaints procedure and was transferred to a manager who took down some notes. I asked when I would receive a response and he responded by saying that HSBC do not respond to customer complaints. I asked if there was a mailing address I could write to and was told no. I asked if there is any way of escalating a complaint - he suggested the better business bureaux and he said there was no federal complaints process for financial companies.
My issues with HSBC : 1 ) Incorrect statements continued to be generated after resolution of fraud - amount, past due amount, due date, credit score and reason. Advice was often to ignore the statement ( not really acceptable - would prefer it to be corrected or answered in writing ) 2 ) According to the manager I spoke with : HSBC do not have a way for someone to log a complaint and get a response.
3 ) HSBC failed to advise me of CFPB when I directly asked about government or regulatory complaint procedures 4 ) Failed to spot fraud
|
| 01/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
This is an urgent matter, as I am unable to link a bank account to my HSBC account or complete a bank to bank transfer, which I need to pay rent and bills, into my account. HSBC is closing its US accounts this week, and has completely stopped responding to any contacts, and has known about the issue for six weeks, and it has only gotten worse. In XX/XX/2021, HSBC placed a completely negligent fraud alert ( multiple calls from multiple departments that do not coordinate ) on my checking account, and I wasted almost a day trying to get through to them or get an explanation, as it sounded like my rent check had been stopped. I was repeatedly cut off, lied to, given completely contradictory explanations -- it was beyond belief. I eventually got hold of XXXX XXXX, an alleged executive, who eventually acknowledged the alert was negligent ( placed only because I used two inks on the check, even though it was fully initialed and signed ) and promised she would quickly look into the matter and get back to me ( that was on XX/XX/XXXX of last year ; she has done literally nothing since ). The response from HSBC fraud abroad was insane -- it was like dealing with the deranged ( there's no nicer way to put it : that description is inadequate ). Instead, I got yet a letter about fraud ( but not specifying even what it was about ) from HSBC weeks after XXXX swore she had resoled the issue ( but she was still allegedly investigating and never provided any update after that one initial assurance the check would clear ). When I emailed XXXX to tell her she needed to tell me immediately what the new fraud letter involved, she did not respond. She did nothing week after week, usually not replying, and when she did, she offered absurd excuses and stalled again. She has literally done nothing for six weeks, and has not responded at all for more than a week, and barely at all before that for weeks. Now there is another negligent urgent matter ; XXXX placed some wholly insane fraud alert on my bank to bank transfers when I tried to link an outside checking account. I tried for hours to get them to fix it ( via online chat and phone, only in each case after hours to have the agents say they couldn't do it and to call back ). I have emailed XXXX every day for more than a week and gotten no response, which, on top of the prior negligence, is a new level of criminal negligence. I also have left at least 5 phone messages with HSBC 's executive office ( not with XXXX ), none of which have been returned. It is clear that because HSBC is closing its US personal account, it could not care less. I have spent days trying to deal with their negligence and recalcitrance, which has reached unbelievable levels. XXXX 's contact information is XXXX XXXX XXXX | Customer Relations | Executive Office HSBC Bank USA, N.A.
XXXX XXXX XXXX XXXX, NY XXXX XXXX
|
| 08/08/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
Offices of XXXX contacted me via phone and told me I owed money on a credit card I know nothing about. The person I spoke with name is XXXX XXXX and he was very rude and unprofessional in his attempted to collect this supposed debit I owe. I inquired about the card and just tried to understand what was going on but he really did n't want to hear anything I was asking about nor did he send me any documents in the mail prior to or after we spoke to prove I actually owed this debit. I have received and currently am still receive abusive threatening messages from processers saying all sorts of derogatory things. Due to the first message I received stating they would come to my place of work and serve me and the fact that I really did n't want any issues financially I paid XXXX on the spot and was told I could set up a payment plan for the rest of this money I allegedly owed. The payment plan was told to me on the phone and then I was told for it to be valid I would be sent a copy of the payment plan to my email in a few days and would have to sign, authorize and send back to them through email. I had n't received anything in a few days so I called back and left a message saying I never received anything to my email. About a day or XXXX later I got a phone call from XXXX XXXX and he then told me he had sent it again. I checked my email and it was there this time. I never signed it printed the emailed contract and decided to take this to and attorney and see what were my rights when it came to all of this. I also pulled my credit report took that with me as well to the legal offices on post, and this card from Household bank I am allegedly owing is not on there. I then sought out and attorney through the XXXX due to the fact I am currently a XXXX at XXXX XXXX, KY. The first payment was supposed to be made XXXX XXXX according to the emailed contract they sent me but once again never signed and sent it back to them authorizing this but Offices of XXXX took it upon there selves to take that payment anyway. The attorney sent Offices of XXXX a letter, notifying them I now had representation and they were to only contact my lawyer not me directly anymore. Unfortunately they failed to do so braking the law by trying to contact me after the letter was sent also left another threatening fortuitous message, that I also saved. I am in no way opposed to paying this debit if it truly mine but I was not given any proof except XXXX XXXX stating that my social was attached to this card and it means nothing. There is so much fraud and stealing of individuals socials and identity theft I only want to be sure before I pay another persons debit, and by law I have that right. I would like for this to be investigated, my money returned and no longer harassed by this company or its processors. I look forward to hearing from you. Thank you
|
| 07/26/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
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|
Web |
|
|
I applied for a HSBC XXXX XXXX account on XX/XX/XXXX, and was approved online ( doc attached ). My initial {$XXXX} deposit was processed the same day as well ( doc attached ). I was able to set up an online banking account as well after the application process.
On XX/XX/XXXX, I deposited a check for {$XXXX} through the mobile app. I attempted to log into my account on XX/XX/XXXX to see if my check deposit was received since I had not received any confirmation or any updates on the check deposit status. When trying to log into my account, I received a message saying my account was suspended. I called the listed phone number of 1XXXX ( screenshot attached XXXX to get this resolved. After XXXX minutes on hold, I was able to speak to someone who then attempted to transfer me. I called again and was on hold again for XXXX hour and XXXX minutes and was given another phone number to try. I called the phone number and waited for XXXX minutes until an agent was able to give me yet another phone number to try. I attempted to get help through the HSBC social media team and chat help on the website, only to be told again to call.
I continued calling the numbers again on XX/XX/XXXX without any resolution, but was able to get clarity on who to try to contact. I finally was able to reach the department at 1XXXX on XX/XX/XXXX after waiting on hold. I received word that my account was suspended and I needed to send verification even though my account had been approved online! I was never notified of any of this until I wasted hours trying to gain access to my account!
I submitted the information that was asked of me ( doc attached ) and waited for confirmation. However, I did not receive confirmation after waiting XXXX business days as the rep had told me over the phone. I called again on XX/XX/XXXX to confirm whether or not things have processed. After another hour on the phone, I was able to speak to a rep who looked for my documents. He said he would process everything immediately and that I should have access restored after XXXX minutes. However, my account access has not been restored. Every attempt to log into my online banking is met with the message that my credentials are suspended ( screenshot attached ). I attempted again to contact HSBC for help on the afternoon of XX/XX/XXXX so that I would be able to regain access to my online banking. However, after another XXXX hours of waiting on hold and attempting to resolve issues with the chat team, my online access still has not been fixed.
Today, XX/XX/XXXX, I have been on hold on the phone again for another XXXX hours trying to reach someone at 1-XXXX. I called the general customer care line to attempt to resolve my problem, only to be referred back to 1-XXXX. I am still waiting for someone to resolve my online banking problems so that I can access my money.
|
| 05/13/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX XXXX, 2015 my wife tried to withdraw money from our joint checking acct with HSBC. It did not work, so I called HSBC XXXX that night ( I have called many many times over the XXXX years with HSBC ). They told me there is a block on my account and I need to call Monday morning to sort this out. On XXXX XXXX, I called, spoke to XXXX, who told me my account has been closed. HSBC said they had sent letters / emails to my wife requiring some information from her or the account would be closed. My comment to HSBC is why did not they not call me before doing anything drastic like closing my account. At this time, my wife got on the phone with XXXX and told her that she in fact did receive emails but ignored them saying she thought they were spam. XXXX said that they tried to phone us but it did not work. XXXX mentioned some phone number that was not ours. This call got cut off. XXXX minutes later I got a call from XXXX who admitted HSBC was at fault and should have called me ( her phoning is also proof that they have my correct phone number - record attached ) and that HSBC would send me a check through registered mail that I should receive in XXXX business days. They would also send me by text the tracking number. This conversation was recorded by HSBC.
XXXX XXXX, I phoned HSBC, XXXX, to inquire where was my check. XXXX told me that it is has not been sent, as HSBC needed to confirm my address. On the same day, XXXX XXXX, I received mail correspondence from HSBC - separate issue and attached, that shows they did have my address ( not changed in XXXX years ). XXXX also said my account was not closed and was " restricted ''. XXXX promised to call me XXXX XXXX with more information. I did get a call from her on XXXX XXXX, was unable to answer it, and called by HSBC and spoke to XXXX. XXXX told me XXXX is the supervisor and is required to call me twice ( she did not ). I asked XXXX to escalate the issue ( and I also confirmed my address with him ) he promised to have a supervisor call me back within an hour. They did not. After a few hours XXXX called me back, apologized and said that I now need to speak to XXXX about this issue. I told XXXX that I want my money, and that I will contact the XXXX Police Dept and report HSBC for theft. He told me there is nothing he can do, and that XXXX will call me on XXXX XXXX. At this point ( XXXX XXXX ), I could still see my account online. XXXX XXXX, my account is suspended online ( attached ), and when I called HSBC as soon as they get my account number, they immediately hang up, so I must be flagged as " do not speak to this person ''. Therefore, HSBC has my money and I am completely unable to contact them. So I must wait for XXXX to call, HSBC has broken their promises before so I may or may not get this call. I have no recourse at all and need help.
|
| 04/05/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX I get a call from a private number the girl on the line says that she is trying to serve me papers and needs to know when I will be available. I tell her im not and ask what it is for. She tells me she does not know provides me thw phone number XXXX and gives me case # XXXX. I call the number and anothet lady answers the phone and says she an answering service. She asks for my case # and the calls my by my first name and xfrs me ( if your an answering service how do you have my name ). A guy named XXXX answers the ph and takes the case number and asks how he can help. I advise I want to know why they are trying to serve me. I advise him that ive been scammed before and the previous girl gave me no details he said servers dont have that information he confirmed my name had me confirm my dob year he then gave me my month and day of dob and then my current address he said my file was down the hall with the attys placed me on hold while he got the file. Comes back on the phone and tells me that they are pursuing me for an old auto loan with HSBC for a XXXX XXXX that I had on XX/XX/XXXX that had a left over balance of {$7000.00} and that it is now up to {$17000.00} and they are going to file a 10yr judgement against me. My red flags are all over so I begin to ask him about thr collection practices as this debt was charged off with HSBC as they sold the car at .. He said you still owe the debt and charged off doesnt mean anything. This is not true as I work in a XXXX and I know the collection laws. I then ask him why have I never gotten notice he says that the address the company sent it to which i have not lived in over 6yrs ... He also states he mailed me a letter to my current address in XX/XX/XXXX of course I never got it. I ask him who he works for he states XXXX XXXX XXXX XXXX office is in Kansas but they are all over. I advise that i will be having an atty look into this and he states to have the atty call him at the same number I did ext XXXX. I went and did a search of the company and there is no such company .. I also did a search of the XXXX # and it comes back to scams ... So i call him back and ask why I cant locate the company he says that they dont publicly advertise and that the letter that i never got has the info. I ask who the atty is on the case he said one has not been assigned until i am served and they have not filed yet. I asked who thw debt buyer was he stated XXXX XXXX .. And then tells me technically he no longer can talk to me since I have an atty and will place a cease and desist on my number and that my atty can contact him. I go back and search the debt buyer who I have never heard of and it too has scam red alerts all over it. I have reached out to a law firm to cover my basis but I am also filing here as the FTC and AG both advise to file.
|
| 03/05/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I opened a savings account with HSBC bank XX/XX/2020 online. I made 2 bank to bank deposit transfers to the bank. Which took longer than expected to complete. Once the money was in, I would log into my online account from work and cell phone every few days just to check for normal activity. Then at some point in early XXXX I received a phone call regarding my account. I was told that there was unusual activity and they would like to ask me some questions regarding when the last time I logged into my account was, where I was logged in from, what my social security # was, etc. I thought this was very strange. I asked what the problem was, and I was told that my account had been accessed from a remote location outside of the XXXX area. I was eventually told that someone from the XXXX had accessed my account. So, I took a step back and asked if this may have anything to do with the XXXX XXXX service I use on my web browser while at work. I explained I have it enabled on a single web browser and only use it while at work. I asked that if that may have flagged the account unintentionally. I was then asked where my deposits came from and I explained I transferred them from my personal XXXX XXXX XXXX account and that I could provide any and all proof of my identity if needed. I was told that was not necessary and that the account would be closed immediately, and all funds would be transferred over to the originating bank, which I said was completely fine by me, since that was MY account anyway. I asked how long the funds would take to transfer and they said 10 days. So, I thought to myself, no problem as long as they send my money back, no harm done. So, I wait a full 11 business days and still nothing had arrived in my XXXX XXXX XXXX account. I was really becoming agitated at this point and decided to call HSBC and demand answers regarding the money they are holding from me since it was several thousand dollars. The representative I spoke with said that HSBC would send funds after they deemed it necessary and 10 days would be the minimum amount of time. So, I demanded he provide me with any and all info relating to my account, account #, routing #, where funds had been sent. The man refused to provide me this info and told me it was all at HSBC 's discretion on what to do with the funds. I asked that I be sent information via email or regular mail regarding the current situation surrounding my deposit money. He said that is up to HSBC only and they will decide how to move forward at their discretion. HSBC has essentially stolen my hard-earned savings money that I no longer have access to. I am extremely upset and demand they transfer all my money back to my XXXX XXXX XXXX account. It's now been over a month that my money was taken without any valid explanation and NOT returned.
|
| 01/30/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
My HSBC bank offers overdraft protection through a credit service affiliated with their bank HSBC Select Credit. In order to ensure the timely payment of my minimum monthly payment I agreed to the auto-pay feature of my bank account which would automatically debit and transfer funds from my checking account to make my monthly payment. Everything went smoothly.
Several years ago I relocated from New York to Connecticut and my access to HSBC branches were greatly diminished, so this bank account became less and less utilized.
XX/XX/2016 I was contacted by the bank that I had not made my monthly payment to the overdraft account. I immediately authorized the payment and when I asked WHY the autopay service did not transfer the necessary funds - the representative informed me that the autopay services had 'expired '. At that time I asked the representative if I could reinstate my autopay status - and she said " Yes. '' My autopay status was never reinstated. I was later told that this representative misspoke if she gave me the false impression that she was reinstating my autopay status.
XX/XX/2016 it came to my attention that my overdraft protection account was now 60 days late - as it was reported to the XXXX major credit agencies and was now affecting my FICO score. I called the bank again and was informed that my autopay status was still not active! I immediately paid the entire balance due on my overdraft account ( over {$1000.00} ) and immediately additionally paid over {$5000.00} towards my HSBC credit card ( which was not late ) - as I now wished to CLOSE all HSBC accounts. I no longer feel I can trust them.
Since this time I have endeavored to have the 60-day late indicator removed from my credit reports based on the following factors : I feel I was never adequately informed that my HSBC autopay service would expire. I was completely unaware that this service would, without making me aware, simply stop making my required payments.
An HSBC representative clearly misrepresented her own ability to reinstate my autopay service, and gave me the impression that my phone intervention had solved the problem.
I have paid HSBC over {$6000.00} as a good-faith gesture bringing all my credit accounts down to XXXX. ( please note I never missed a payment on my credit card - but paid this off as well ) The amount due on the missed payments to the HSBC Select Credit account was a VERY small amount of money.
The amount of damage to my credit score is completely disproportional to the offense - given the small amount of money due - and will greatly harm me financially.
There were CLEARLY miscommunications and circumstances attached to these missed payments.
I am hoping that you can intervene to persuade HSBC to remove this one-time 60 late payment from my credit reports.
|
| 12/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened a checking account with HSBC and provided all the requested information. They approved and opened my account and I deposited {$2000.00}. I did this in part because of their sign-up promotion : they promised I would receive a {$350.00} sign-up bonus for paying XXXX bills/month from the account for 3 consecutive months within 120 calendar days of account opening.
I setup auto payments to fulfill the bonus requirements, which started for the first month. However, then I received a physical letter from them that they would be closing the account unless provided with more information. Since I was n't home at the time, I did n't see it, and then I received a note that my account was closed and that I could wire out my {$1900.00} remaining balance or wait to receive a physical check on XXXX/XXXX/16.
They also blocked my online banking account so that I could not transfer my money out, so I decided to just wait for the check. However, when I called them XXXX/XXXX/16 to inquire about where my money was, they told me that my account was no longer closed after all ( while acknowledging the earlier communications they sent indicating that it was closed ). So no check was mailed and the money was still with HSBC. I tried logging in again and was still blocked, so I had to call back and wait on hold until they gave me access. I also realized that they had " closed '' my account for so long, it would not be possible for me to fulfill their bonus requirements.
So I decided to close my account because of their repeated efforts to prevent me from accessing my own accounts and funds, thereby also making it impossible for me satisfy their sign-up bonus requirements. However, when I called their customer service on a weekday afternoon during their business hours, they put me on hold for nearly 30 minutes and refused to let me close my account. They finally told me to call back another day because I 'd been on hold for so long they were about to close ( this was on a call to HSBC on XXXX/XXXX/16, with reference # XXXX ).
HSBC encouraged customers to sign up for a checking account to receive a bonus, blocked access to my account for long enough to ensure the bonus requirements could not be achieved, promised to close the account and return the deposited funds - but then withheld them and reopened the account so that I would unable to access my funds for over two months while also not being able to benefit from their sign-up bonus, and refused to allow me to close my account and withdraw the funds. This was intolerable behavior, and I 'm writing in the hopes that the CFPB can help me get my money back and force HSBC to pay some type of reparations for making their {$350.00} bonus impossible to receive, while holding my money against my wishes.
Thanks so much for your help.
|
| 08/04/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Older American, Servicemember |
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On XXXX XXXX, XXXX, I was contacted by an individual claiming to be an investigator, XXXX XXXX, for the XXXX County Sheriff. He informed me that he had a file on me on his desk that was awaiting application for warrant for fraud. He told me that it was a courtesy call allowing me the opportunity to resolve it that day and avoid processing the warrant due to the fact he would not be able to stop it otherwise. He stated that I would be arrested in the morning and arraigned before a judge within 24-48 hours if I did n't have it paid this evening. I told him that I did n't commit and that I wanted to speak with the individual who filed the complaint. At that point, he did a conference call with an individual identified as XXXX XXXX ( XXXX ) XXXX, who was with Risk Management at a company called XXXX XXXX XXXX. During this conversation, it was discussed that I still owed a balance on an old debt with HSBC that had been turned over to his client, XXXX, for collection. I informed them that this account was settled in XXXX and that I had a letter stating it had been paid in full. XXXX XXXX responded by stating that it had only been recorded as a payment by XXXX XXXX and that the account would never have been settled for such a low amount. I was also informed that XXXX XXXX was no longer in business. I then informed him that this was the second time I paid on this and that initially it should have been settled in XXXX when I paid a lot more. I told him that I would provide documentation if necessary to resolve it. At that point, XXXX XXXX spoke up and stated that the account had to be paid up and settled that evening or he would have to exercise the warrant. I felt that I had no other recourse but to pay it and not be incarcerated in order to allow me time to resolve this issue by other means. Since I have never been arrested, I did n't want to take a chance. After I paid on the account, I was told I would receive settlement documents via email and also certified mail with supporting documents. When I received the email documents, I noticed there was a discrepancy with the account number recorded. I informed XXXX XXXX XXXX that this needed to researched and corrected. The following morning I attempted to make contact with the investigator on the case and was surprised to find out that the contact number was actually that of a fax machine belonging to the XXXX County Clerk 's office. I immediately realized that something was wrong and contacted the XXXX County Sheriff 's Office trying to find the investigator. I was told that there is no such investigator by that name employed or affiliated with them. I then contacted the criminal division and filed a formal complaint about someone impersonating a law enforcement officer and appeared to be affiliated with this debt collector.
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| 01/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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In XX/XX/2019 I transferred a balance to HSBC to take advantage of a 0 % offer for 12 months on a balance transfer. I set up auto-pay on the HSBC website. I verified my first payment went through without an issue in XX/XX/XXXX. After receiving no letters, emails, calls, texts, or other notices from the company I received an email from XXXX in XX/XX/XXXX telling me I had a 30 day late payment reported on an a credit card account. After reviewing accounts I realized I was unable to log in and review my HSBC account details and my auto pay details. I called HSBC to see what happened. They took no responsibility for the fact that the auto pay system failed, they also took no responsibility for not even telling me in any form or notice that I was late at all, however, they did agreed to credit me back the late fee, nonetheless that was a minuscule consolation considering the company was damaging my hard earned credit history. After several more communications with HSBC and numerous hours on the phone I realized they were not going to assist me with removing this 30 day notice because they claimed there was no bank error. But, in fact, there was a bank error and even worse zero communication from them about my auto pay not going through or that I was even late at all. It took over 30 days after that payment was due before I finally received a letter from them in late XX/XX/XXXX saying my account had been closed and I could no longer make payments online. I must say, I have worked with many financial companies and I rigorously keep track of my payments and credit score. The service and attention I have received as a customer from HSBC has been appalling and I hope that by filing this complaint HSBC tries harder and modernizes and corrects their auto pay system, establish safe guards and warnings to customers when payments are not received on time, and establish a clear protocol to assist customers in removing bank error late payments that show up on customers credit reports due to HSBCs failure to communicate adequately or assist their customers. I have not had a late payment on any debt for over 8 years and it is very frustrating to work so diligently to establish an XXXX score only to have it dismantled by a poorly run financial company like HSBC, now my score is in the mid 600s. Please note I am still paying this card and do expect it to be fully paid by the end of the 0 % promotional period. I hope the CFPB can assist me with this matter so not only I, but other customers of HSBC do not get fleeced in this manner in the future. If I were preparing to buy a car or take out a home mortgage this could have had huge financial implications for me, so for now I am sidelined from making any significant purchase with credit like a car or home until this matter gets resolved.
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| 10/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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Back in XXXX I opened up a new HSBC credit account and I set it up on auto pay in the month of XXXX on the XXXX day of 2020 before my payment due date & to my knowledge auto pay was to take effect immediately as I receive a confirmation email saying it was set up & supposed to pay my bill for the month of XXXX. I take my credit and credit scores very seriously and I was shocked to realize that my autopay did not go thru as it was confirmed to be active so once found out I called in XX/XX/XXXX to see what was the problem & I spoke to a gentleman by the name of XXXX and i was very taken back by tone his inaptitude to help me and as I explained to him my situation and how I did have auto pay set up prior to my payment which he confirmed was correct but he stated that it takes sometimes a little longer to take effect I was unaware of this because once I set it up it sent me a confirmation email stating it was active. I told this employee how it was now effecting my credit score and showing as a 30 day lateness and my credit dropped from over 800 to under XXXX dropped my score about 90 points and I am trying to refinance my house not to mention the pandemic and the cares act saying these types of negative reporting practices should not be taking effect. I am also a veteran and have a perfect payment history and all my accounts are on auto pay and I have never heard of such a ridiculous thing like it takes more than a month to take effect & however had I been disclosed this information I would have gladly set up other arrangements. but that was not the case and XXXX was very rude and he even was laughing at my misfortune I think his attitude changed drastically once I mentioned I served our country. so right now this really effecting my life I already tried to dispute this only to get no where and I would like to file a formal complaint here with the CFPB before I take legal action because the effect on my interest rates with be so drastic I will have no choice but to take legal action. I ask you to look into this and also the practices this gentlemen used during our conversation which he belittled me and insulted me like I have never expierenced in my life this has cause a tremendous amount of emotional stress and it has effect my home life because now we are in jeopardy of not being able to refinance our mortgage which if it falls through will me and my family for years to come. I believe HSBC is at fault and so does my attorney so I would like to immediatly remove this inaccurate late payment because they did not disclose the length of time it takes for auto pay to kick in. As required by the statues of your complaint laws I would like this investigated and off of my report with 15 days if that does not happen I will have no other option than to take legal action
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| 04/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I am a victim of fraud on my account, my additional card holders account was stolen and there were fraud charges on the card, i did not receive a notification about the Fraud until the person spent over {$3000.00} on purchases on the account, this is highly unacceptable at the fact that his card was allowed to be used for such a high amount, this NOT only is way beyond my spending pattern but the erratic charges being made and the locations it was used is not normal.
I am extremely upset at the fact that your bank has failed to do its due diligence to protect me as a customer. You allowed charges again that were not normal or within my patterns. The fact that your bank DID NOT do its job to protect me until its too late is not acceptable. I am highly upset at this and we need to get this fixed immediately.
I then reached out to your Fraud Department seeking to speak to a supervisor to discuss my aggravation at the fact that this amount of charges went through over the course of a few days with no restrictions on the account, EVEN When you notified me before i saw the emails the card was NEVER locked and the attempts were still being made. As a bank if there are charges in question on the account why was there no block/hold on the card until you speak with the customer. ( Received back to back emails within different time frames ) Upon speaking to the supervisor he was insinuating as if i was LYING about the fraud that happened on my card and was asking questions like well what the last 4 of your card whats the last 4 of the additional card holders card? I explained that they were the exact same, card numbers, you can tell his response was as if i was lying to him. He stated he is just very very confused. He then went into details about how tired and such a long day he has had. Made me question if this matter was even was important to him, after that I was on the phone crying as I felt backed into a corner with no support given that my account was stolen.
He continually asked the same questions over and over of how the fraud happened and last 4 of the card numbers and wanted to know if my card was in my possession or not. I answered that yes my card was but my additional user was not.
I repeatedly let him know that YES i have my card and its my additional card holders card that was stolen., he still again was making me feel as if i was a liar and i do not appreciate it.
I am the VICTIM here my additional card holders card was STOLEN!! i don't know how else to say it, and the bank is not doing their due diligence to protect me to ensure this doesn't happen again ( and didn't happen in the first place ) Please have someone from the corporate offices give me a call XXXX to discuss and hope to come to a resolution.
Thank you. Stay safe and be well!
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| 11/04/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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For the past couple of months, I have been getting phone calls from XXXX XXXX about a credit card from HSBC Card Services that it says I owe money for. They had an old address of mine from 13 years ago, and said they have been trying to contact me, and that they were going to have me served with legal paperwork at work.
On the first call, I asked them for more information on the debt, they said it was an old credit card, and that it was charged off in XX/XX/XXXX. I explained that I had no idea what card that is, as I have not lived at the address they say the card was opened at for 13 years. I asked if they could send me some paperwork so I could verify the debt, and provided them with my current address. The paperwork never arrived. A few weeks later, they called my job, and the call ended with the same promise - they would send me documents to view, and if it was not mine, all I had to do was fill out the form stating it wasn't, and send it back. Again, nothing arrived.
On XX/XX/XXXX, they called my uncle, and stated they need me to contact them. I called them back, but they did not pick up. On XX/XX/XXXX, they called me again, and I again stated that I did not know which card they were calling on. I told them the only card I've ever had from HSBC I closed in XX/XX/XXXX. I asked if they could provide any information, as I was concerned someone opened a card in my name without my knowledge. They refused to provide me with the last date of payment, the date the debt was defaulted on, date it was opened, or anything other than the name of the original owner of the debt, and they could not. I told them if they could provide me with proof it was my debt, and that it was not beyond the statute of limitations, I would work something out.
After this, the representative started to yell at me, accused me of being a liar, trying to steal money, etc. When I said I simply wanted proof it was my debt, she said I would get that proof in the form of a lawsuit. Again, I said I merely am asking you provide me with enough information to validate its my debt, and not beyond the statute of limitations. Again, I was told I would be sued, but not only that, but that they would ruin my credit and post it to my credit profile in 2 weeks. She then hung up on me.
I panicked, and called back, many times, asking them to put me in touch with a manger, or someone who can help. Asked every time, not to be put in touch with the rep in charge of my account because she kept calling me names and threatening me, and that I need someone to work with me. No luck. When I ask for their address, they refused to provide it, and disconnect the call.
They use robo calls that leave threatening messages. The rep in charge of my account is XXXX XXXX, and the number they have on file is XXXX
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| 10/12/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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To whom it may concern : On Friday, XXXX/XXXX/XXXX I received a text message from an acquaintance of mine, jokingly asking if I would be sharing with him a recently issued {$350.00} new-account bonus. I was both surprised and angered that he somehow managed to get this information. Upon asking him how he learned that I recently received such a bonus, he replied that an employee of HSBC Bank in XXXX XXXX disclosed this information to him.
I immediately called the branch and spoke with XXXX XXXX XXXX banker who allegedly disclosed my account information to a third party without my consent, verbal or written ). I have an individual checking account with HSBC and never had anyone else on the account. Nor was I ever asked or granted permission to share my account information with anyone other than myself.
XXXX XXXX immediately admitted to making a mistake in sharing my account information with a third party, and apologized for doing so. I was so angry that I hung up on him. I collected myself and called him again. This time he was away from his desk, but another employee promised to have him call me back, which he did promptly.
During our second conversation, I apologized to XXXX for hanging up on him, however I made it very clear that I was extremely upset that he - or any other HSBC employee - would ever disclose private banking information to anyone unauthorized to have such information.
Again, XXXX apologized and admitted to his mistake. His apology seemed sincere, and my prior interactions with XXXX XXXX all via telephone ) were always very pleasant. XXXX was the only employee at the XXXX XXXX branch of HSBC who always seemed genuine. He was easy to communicate with, he was prompt in his replies, he was courteous and respectful. He was the last person whom I would ever imagine doing something like this.
I truly believe that XXXX is genuinely sorry for disclosing my information. I know he regrets doing it. In the end, him sharing this particular bit of my personal account information with my acquaintance did no physical or financial harm to me. Yet, I feel betrayed and violated, and I hope that this does not happen to another customer, with potentially much more serious consequences.
My hope is that HSBC takes this incident as a learning opportunity for itself and its employees. I hope that some educational material is distributed to its employees for review and acknowledgement. I hope that XXXX does not get severely disciplined for his actions and is given a chance to continue to work for HSBC. I wish him the best, but I also want to ensure that other customers ' privacy is protected moving forward.
PS - I am not sure if branch phone calls are recorded or not, but I will gladly provide the exact times of when these phone calls took place.
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| 03/28/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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XXXX XXXX XXXX XXXX XXXX | Reviews | XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. ( XXXX ) XXXX. XXXX XXXXXXXX & XXXX. This business is not XXXX XXXX.
I paid XXXX XXXX XXXX XXXX XXXX XXXX in XXXX for a HSBC XXXX Bank credit card debt ( Card XXXX XXXX XXXX XXXX ). A new collection agency contacted me saying they are going to file a legal suit ( A & XXXX management ). I contacted XXXX XXXX XXXX XXXX at the above information to procure a paid in full letter to give to the new company.
The person at the ( XXXX ) XXXX took my name and the last four digits of the card. I gave both. He said yes, we show that as paid. He then asked what is the available balance on the card. I said it was closed and charged off in XXXX. He said you have to tell me the available credit. I said : Well, okay then zero. In order for us to send out that letter, you have to get a HSBC Security Card. I asked for him to explain how I would get that. He said go a store that sells cards ( grocery, department or drugstore ) and buy it. I will wait on the phone. I said I am not in town. Please explain the process. H said you go in the store, go to the cards and get an XXXX card. I said with money on it? He said yes with {$200.00} on it. I said : All I want is a paid in full letter I shouldn't have to pay {$200.00} for that. He said : Why are you so negative? We will put the money toward the account. I said : I already paid the account in XXXX. He said, yes, I understand but let me tell you what happened : Someone used the account. You have been hacked. They did a lot of shopping on XXXX. For security, you send the card and we can close your account so that you do not have to go to court and it all gets settled and we can send the letter. I responded : You're a law firm and you are asking me for {$200.00} to send a paid letter for a debt you already collected? He responded : Whatever and hung up.
I called back the XXXX XXXX XXXX XXXXXXXX and am now paying them again to avoid civil litigation. XXXX XXXX XXXX settled for {$300.00} in two payments which I am paying because they say that the debt is still viable for civil litigation even though the last payment was made to HSBC XX/XX/XXXX and it was sent to collection XX/XX/XXXX and then paid to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX never sent a paid letter or email, but I do not still owe this HSBC debt and am now paying a second time.
I wanted to see what would happen when I called back XXXX XXXX XXXX XXXX XXXX. Another man answered 'Microsoft XXXX. I explained that I had just spoken to someone about getting an XXXX card to release my paid letter from an old debt on a HSBC credit card He asked : Did you purchase the card? I said : No, I need to understand the process. He hung up.
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| 01/15/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/XXXX, acting upon a publicly advertised offer on us.hsbc.com, I applied for a new HSBC Advance checking account. I was promised a {$350.00} welcome bonus ( terms attached ). By XX/XX/XXXX, I had satisfied all the terms of the offer. Shortly after that, I contacted HSBC via XXXX. The reply I received from them was addressed to a different person, was not written in proper English, and had little sense. Therefore, I had to make a call. The representative I spoke over the phone in XXXX confirmed that all the terms are satisfied. However, she advised me that I had wait eight weeks for the bonus to post. The eight weeks ended on XX/XX/XXXX. Since then I have talked to at least twelve different representatives trying to determine the status of the bonus. Their explanations evolved over time. First, they stated that the new money was was supposed to be deposited to a checking account, while I deposited them into my savings account. That reason failed, since the terms clearly state : " deposit ... in combined checking and savings accounts ''. Second, they told me to wait until the end of XXXX. That reason failed as well. The terms clearly state : " You will automatically receive ... eight weeks after completing all qualifying activities. It's that simple. '' Third, they claimed that my savings account was supposed to be opened after my checking account. Not so. I applied for both accounts on XX/XX/XXXX. The application for the checking account was submitted at XXXX. The application for the savings account was submitted 9 minutes later, at XXXX. Regardless, the terms only exclude customers who had an account " from XX/XX/XXXX through XX/XX/XXXX ''. I had no HSBC accounts before XX/XX/XXXX. Lastly, they indicated that they had no record of any promotion on the account. That assertion is simply laughable. Both XXXX and phone agents were able to verify the terms of the promotion and confirmed that they were satisfied. In addition, I have a copy of the webpage with the offer that I took when I applied as well as the terms of the promotional offer that I downloaded when I applied. I believe that these repeated attempts to come up with multiple frivolous reasons are racially motivated. A bank acting in good faith can not be that unprofessional. Instead, I suspect that they target customers with Hispanic sounding names assuming that they would rather give up than follow up on the promise. Based on my recent experience, I strongly believe that if a regulator requests a sample of all denials over the last three years, they will see that denials of bonuses or other benefits for customers with Hispanic last names are statistically more likely. This evidence would establish a prima facie case of disparate treatment and racially motivated discrimination.
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| 12/17/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/XXXX, my credit, debt, and health savings accounts were physically stolen from a fitness club without my knowledge. The bank called me on XX/XX/XXXX to ask about purchase being made at the XXXX XXXX. I looked into my wallet and realized the cards were gone and the bank shut off both cards. They initially refunded the entire balance($XXXX on one card, $XXXX on another card for a total of $XXXX) back but then denied the fraud claim and took the funds. They claimed this was because I did not get a police report. A customer service representative claimed once I submitted the police report, I would receive the funds back she was so confident she gave me her employee number, XXXX employee #XXXX. They also indicated I should not pay the balance down due to it being fraud. After a few weeks/months I decided to pay the balance in full because the matter was not making any progress and the interest charges were starting to add up. I received the police report on XX/XX/XXXX after months of bad communication or information from my bank. Apparently over a certain $ amount if you do not provide a police report, they deny your claim. This would be nice to know, they claim they sent a notice to my home which I also never received. They told me at least 3 times the police needed information from me and each time I called the police station this was not the case. I talked to the officer many times who was assigned to my case (Officer XXXX PD) and she even offered to call the Fraud Team with me. This did not work either as the fraud investigator was almost impossible to reach, his name was XXXX XXXX XXXX. I even inquired the help of two different HSBC Managers(XXXX CT- XXXX XXXX XXXX and XXXX NY-XXXX XXXX XXXX) and they struggled to contact the team as well as they are a separate department from retail bank operations. I finally threatened with a lawyer(XX/XX/XXXX, bank responded XX/XX/XXXX) and asked for the badge numbers of officers they claimed they talked to(XX/XX/XXXX, no response from the bank). I have heard from the branch/relationship managers that they denied my fraud claim for a second time because the point of sale system used at XXXX, one of the places I got frauded at, had a receipt with my email address on it. No one from the fraud team ever provided in writing a reason why I was denied. I know this is not a huge sum of money but it is mine and I want it back. The icing on the cake was I closed on my first home XX/XX/XXXX and these accounts were flagged as disputed accounts and came up in underwriting. I provided an explanation to XXXX XXXX XXXX and they approved my loan on a 30 day close. I went with XXXX XXXX XXXX for my mortgage even though the APR was higher because HSBC has lost my trust with the way they handled this matter.
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| 05/07/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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My cousin received this voicemail from a man name XXXX ( which was strange to begin with because i have never put her number on anything other than emergency contact or reference for a job ) stating he was calling from a law office about a complaint about collecting a debt. when i called back i got XXXX XXXX, who was off rip rude as they come. XXXX tells me that he is calling regarding a debt from HSBC from XXXX XXXX XXXX of over $ XXXX. for starters, i have never heard of this company HSBC and two why are you calling me TWELVE YEARS LATER. XXXX then tells me that it was a card i applied to in XXXX and had until XXXX to pay. again 10 years later they are calling me. without any form of contact from this said company, no calls no mail. He ask to verify my address and it was wrong! it was an address from FIVE years ago, which burned down unfortunately. my address and all my personal info is up to date, including my license, so how hard were these people actually trying to contact me? they filed a claim YEARS ago and then reinstated the claim AFTER the researched my info and found that i was working ( according to this XXXX XXXX ). so, if you can research whether or not i have an income, why couldnt they research my CURRENT info to avoid all of this?
so in attempt to resolve this issue, i asked what my options were ; XXXX then said i could pay {$500.00} now and make payments of {$100.00} or something towards the settlement of {$1500.00} they were offering. mind you, this credit card had a credit limit of {$300.00} according to this XXXX person and TWELVE YEARS LATER its at over $ XXXX. When i told XXXX that i couldnt possibly pay XXXX up front he asked when i could make the payment. i was honest and said probably not until the end of this month ( XXXX ) or beginning of next month, as i am not rich and can not shell out XXXX in the blink of an eye. his response? " NEXT MONTH?! YOU DONT GET PAID AGAIN? ". i told him of course i do but unfortunately i have other responsibilities and i cant just abandon them to please you. oh! and even better, he kept saying " i dont have to help you '' almost like he was doing me a favor on something I HAD NO IDEA ABOUT!
in the end i asked how i could get in contact with HSBC and the XXXX then said " IN COURT! Ill get you served, good luck '' and HUNG UP!
it is absolutely ridiculous for this company to be threatening to garnish my wages, etc when this said account is TWELVE YEARS OLD, they have inaccurate info on how to contact me AND demand that i pay XXXX out front. had this company contact me sooner and not TWELVE YEARS LATER i would've been happy to settle the debt but they are looking real desperate to be coming after someone TWELVE YEARS LATER with this garbage and threatening people to get their way.
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| 10/17/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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As a loyal customer of HSBC XXXX XXXX, I opened my Premier checking account through the XXXX department in XX/XX/XXXX. So far, there were no more than 10 transactions. As I am not a XXXX XXXX, as a XXXX, I have always been very careful about using it, but nightmares still happened. My account was closed on XX/XX/XXXX.
One week before closing the account, I completed a Bank to Bank transfer from my XXXX to HSBC. There is also a wire transfer payment to XXXX XXXX XXXX.
The reason why I transferred from XXXX to HSBC before sending money out, because I am a Premier customer of HSBC and I was told that there is no charge for Wire, and the global transfer is also more advantageous. So the remaining transactions are related to HSBC accounts in other countries under my name.
I clarify that all my sources of funds are savings and income under my name, and there is no behavior that does not comply with the rules of the deposit agreement.
In XX/XX/XXXX, due to the recurrence of the epidemic, the continuous isolation of entry and exit during the travel period led to the termination of the XXXX case. I admit this is a misunderstanding because I can not go to the branch in person Someone told me that I forgot to sign an important agreement when I opened my account in XXXX last year. I didnt know it. The relationship manager of the branch didnt inform me. Later, due to our language communication difficulties, we requested to change the XXXX lady. My colleagues on the Premier hotline did not mention it, nor did the online banks message center.
In XXXX and XX/XX/XXXX, the inconclusive review led me to repeat the application for a savings account twice. No one has been paying attention to the outcome of the case, and no one has told me why. Did I get rejected? I am helplessful about it.
Because the notification is not in place, I can not predict the result of the application, let me repeat the inquiry.
Finally, I asked the senior customer relations officer to respond to my complaint, because I am outside the United States, I can let HSBC relationship managers in other countries continue to follow up my case.
As an important customer of HSBC XXXX, I can not decide to close my US account without any warning or notice. This is extremely unfair to loyal customers.
Many of my friendly friends work for HSBC. I understand your review team, but it must be fair, otherwise I will continue to be fair through the power of the media. I have contacted many times to no avail. I need to upgrade my case to the Director of XXXX XXXX XXXX. You can record my conversation. I love HSBC. This is the bank of my life. I also actively promote HSBC 's business on XXXX social media. Get wider recognition, if you want to know the details, I look forward to presenting
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| 09/26/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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In early XXXX I received a targeted promo mailer from HSBC XXXX advertising a {$350.00} bonus for opening, funding and maintaining a new HSBC XXXX checking account. To qualify, you must be a new customer ( I had never been an HSBC customer before ), must open a new Advance checking account by XX/XX/XXXX ( I opened mine on XX/XX/XXXX ), must deposit {$10000.00} or more byXX/XX/XXXX ( I deposited {$5000.00} upon opening the account on XX/XX/XXXX and {$5000.00} more on XX/XX/XXXX ), and maintain this {$10000.00} balance fromXX/XX/XXXX throughXX/XX/XXXX ( which I did ).
" You will automatically receive the {$350.00} deposit in your new HSBC XXXX checking account approximately eight weeks after completing all qualifying activities. It 's that simple '', stated the flyer.
After more than 12 weeks, multiple phone calls to the toll-free customer support line at XXXX as well as to the local branch in XXXX XXXX, CA where I opened the account, additional e-mail correspondence with the Vice President/Cluster Branch Manager and an in-person visit with the same employee, I have yet to receive the promised {$350.00} bonus.
Every conversation I have had with the local branch employees ended with promises of impending bonus deposit " in a few more days '' or " next week ''. Every conversation I have had with the toll-free customer service representatives started and ended the same way : their confusion and inability to seemingly find any related notes, reference numbers or resolutions regarding this issue.
Additionally, I referred two new customers to HSBC as part of their " Share The Experience '' promotion, qualifying myself for a {$100.00} bonus per new customer. I have received only one {$100.00} bonus, with the second one due on XX/XX/XXXX. Both of the customers I referred opened new accounts and funded those accounts as mandated by the promotional language. XXXX XXXX branch employees have confirmed this and reassured me that I should be receiving the second {$100.00} referral bonus within the promised XXXX window. That has not happened.
As ofXX/XX/XXXX, HSBC owes me a total of {$450.00} for personally opening a new HSBC XXXX checking account ( {$350.00} ) and a missing referral bonus for a previously confirmed fully qualified new customer referral ( {$100.00} ).
I feel that I have reached the end of the road dealing directly with HSBC and its representatives, and would much appreciate some assistance securing what is rightfully mine. HSBC mailed me an offer, I played by their rules, yet they have failed ( repeatedly, I might add ) to uphold their end of the bargain. I have never had such a frustrating and disappointing experience with any other bank promotional offer, and I will never again deal with or recommend HSBC to anyone I know.
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| 12/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX, I had applied to HSBC Bank via XXXX XXXX XXXX mortgage loan XXXX for a cash out refinance loan on one of my investment properties located at XXXX XXXX XXXX, XXXX , FL XXXX . By XX/XX/XXXX, I was told that the file was sent to underwriting and the appraisal was ordered. However, as the mortgage went through underwriting, the bank decided that based on its overlays, that it could not underwrite the mortgage, as their overlays, which were not disclosed upfront, called for them to exclude the use of rental income on those properties that are not listed on a person 's tax statements for two years for verification of income. In my particular case, I only started acquiring properties as of XX/XX/XXXX, resulting in a lack of rental history for those houses on my taxes. This is contrary to XXXX XXXX XXXX typical guidelines, which call for using 75 % of forecasted net revenue toward calculating income/losses. Other banks have subsequently been willing to underwrite mortgages for me for new acquisitions and refinancing. I'd brought this to the attention of HSBC, and Mrs. XXXX XXXX supervisor, XXXX XXXX XXXX, Mortgage Direct | Sales Manager, XXXX | HSBC Bank USA, N. A., XXXX XXXX XXXX, XXXX, NY XXXX, NMLS ID # XXXX, Office : ( XXXX ) XXXX, Mobile : ( XXXX ) XXXX, XXXX had stated he'd be willing to review my file again, but has gone silent without any conclusive outcome. As of XX/XX/XXXX, he said, " I will review the file, to see what occurred here, and respond to you by Wednesday ( tomorrow ). '' On XX/XX/XXXX, he stated, " Just to update you, I have a few questions about the file after reviewing it that I asked the underwriter about, so will revert back when he does to me. '' I'd followed up with him as recently as XX/XX/XXXX, asking for a status update, and have yet to receive a response. I believe that a thorough proper review of my finances, which have two XXXX 's holding a total of 7 houses, along with currently six properties under my personal name, and other small items adjusted that were brought to HSBC 's attention, such as my accountant mistakenly listing 365 days of fair market use for the two houses I'd acquired rather than the actual 120 days ( approximately ), and using the 75 % of net income from leases, the loan in question could had been cash out refinanced. Perhaps not for the full 75 % LTV I'd requested, but most certainly at some percentage. I'd asked HSBC to offer relief in one of three ways : 1 ) Refund my appraisal fee ; 2 ) transfer my appraisal to another bank willing to underwrite the loan for me at no cost ; or 3 ) HSBC to review my file and offer to underwrite the mortgage at a LTV that's fair and accurate and works for both parties. They haven't offered relief in any of those three ways.
|
| 01/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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Back in XXXX XXXX we applied for a refinance of our existing mortgage an interest rate of 4.73 %. The loan officer told us that we could get a lower rate if we refinance with my husband only on the mortgage since he had a higher credit score.The rate would be 3.50 %. We agreed. An appraisal was done on our home shortly after. It came in at {$220000.00} over the amount owed on our mortgage. At that point, the bank had all of our information and requested documents. They then requested a copy of my husband 's license. At that point everything slowed down. Three weeks after the appraisal was completed, the bank informed us that we needed to install a handrail going down to the basement before we could move further on our closing. We complied. Granted, the bank did not have a problem with not having hand rails when we purchased this home in XXXX and even threw in a credit line, which we did not need to close our loan at the time. They quickly took our {$120000.00} down payment. This is the same bank our current mortgage is with! A week later the bank again requested that we put handrails on the other side of the stairs. They were not clear about this. I had previously requested a copy of the appraisal. We called them and were told one would be sent to us immediately. We installed the second railing and had to have the inspector come out for the second time to reinspect. We again made a second request for a copy of the appraisal and were told that the appraisal is sent our right before closing. We had to request an extension on our rate lock because we were not going to close in time. The rate of 3.50 % was extended to XXXX XXXX, XXXX. The bank is now requesting a statement regarding my XXXX. They want to know If I can withdraw money and what the taxes and penalties are. Why? What business is it of theirs. I am told it is a bank procedure. I complied with their request. We were also told on Friday, XXXX XXXX, that the closing cost would be about {$8000.00} because they are not able to transfer my escrow account to the new mortgage. This right before closing. We were also told that we had to show where our money for closing is coming from. This is ridiculous. Both our checking account and savings is with this bank. We were planning to close on the XXXX of XXXX, but underwriters have to look at the XXXX withdrawal terms before and give their approval. Now we have to pay our existing mortgage again at the current interest rate of 6.25 %. It gets paid directly from our account tomorrow, the XXXX, ironically.
We feel the bank has been dragging their feet on our loan application and most of all we feel we are being discriminated against.
We are requesting your help in resolving this matter, We will not give in to their unfair practices.
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| 10/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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Web |
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On XXXX/XXXX/XXXX, I charged my HSBC credit card {$20000.00} to pay XXXX XXXX XXXX XXXX XXXX XXXX for tuition on behalf of my son. On XXXX/XXXX/XXXX, I paid back the entire {$20000.00} to HSBC to avoid interest charges. On XXXX/XXXX/XXXX, XXXX refunded {$19000.00} ( tuition refund ) to me through my HSBC credit card. On XXXX/XXXX/XXXX, knowing that my credit card account had money, I used the mobile app to transfer {$19000.00} between accounts, from my credit card account to my savings bank account. On XXXX/XXXX/XXXX, I found out my credit card was charged {$590.00} ( see attached statement ). I called HSBC and the agent told me its for a cash advance fee on {$19000.00}, the tuition refund that I received. So, I paid a cash advance fee on my own money. I was told that any time I transfer from a credit card account on my own, I would be charged a cash advance fee regardless of whether I have money in the account or not ( i.e. refund/overpayment ). I told him I was unaware of this, and it is unfair and makes no sense that I have to pay a cash advance fee on my own money, HSBC didnt pay me any cash at all. The agent was very nice ; he helped me to submit a request to waive the cash advance fee as a one-time courtesy. The request needed manager approval, but he was unable to get the approval because the manager was unavailable. He said I should receive a call around Monday, XXXX for the outcome. By XXXX, I had not received a call, so I contacted HSBC again. This time, the agent retrieved my request, and tried to get manager approval for me, but then she informed that there was a manager meeting in progress and I should receive feedback within 2 days. After two days on XXXX, I called again, another agent tried to get the managers approval for me, but yet again, the manager was unavailable. The agent told me I would receive a call once its done. I am frustrated ; it seems like the XXXX is avoiding me. I made all calls during the regular business hours and as of today, I have not received a single call from HSBC. It is also worth noting that the HSBCs mobile app and website allow people to transfer easily from credit card account to savings/checking bank account, but there is no warning that a cash advance fee will be charged even if you have money in your account ( see attached Transfer between Account ). Other banks ' websites dont have the option to transfer money from credit card account to bank account. For instance, Chases website doesnt allow any transfers from a credit card account to savings or checking account ; you can only transfer from savings/checking account to credit card account. I have tried to resolve this issue with HSBC, but was not successful. I hope Consumer Financial Protection Bureau can help me. Thank you!
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| 09/08/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Missed a call listed as Spam. Ex husband contacted me stating that he got a phone call about a a civil complaint " out of ( my county ).
He gave me a ( XXXX ) number Called line was busy. Noticed a missed call ( phone blocked it b/c is was " suspected spam ) Called the number and processed to go off on " XXXX " once he told me that HSBC was filing a civil suit b/c I never responded to the " letter '' regurding an XXXX backed debt from prior to a bankruptcy I filed ( I filed in XXXX everything but federial Sub and Unsub student loans were discharged ) they sent me. Told him that this XXXX XXXXXXXX that at no point in time did I or Have I received anything from their client. I have no outstanding debit and if I do then mail me a certified letter with the documents/ letter from your client with the information of said debit.
XXXX then stated that he could not do that as it would not be cost efficient, and asked for my email. Rambled off an email address and proceeded to chew his " Lawfirm '' out for falsely trying to collect old debits and that again until I have a certified letter from either his employer ( lawfirm ) I'm calling XXXX. He continued to refused to send me a certified letter, that the ONLY certified letter I will be receiving is my subpoena, and that this was now my notice and that they will move forward and reminded me that " This call is being recorded " and WILL be played back in court. I went on to again request certified documentation of said debt which he replied that I'm their client and I will get said documents in court.. I called XXXX. again stating that his Client ( HSBC ) Flat out falsely reported they mailed out anything to me so until I receive a certified letter with said claims of past due debit that I'm not settling anything. Asked again what County the suit is filed in, said XXXX XXXX Told him fine I will call the court house myself to validate the suit to which " XXXX '' said it hasn't been filed yet.
At this point we had been on the phone for nearly 25-30 mins and he told me there was no point in arguing. My response was " Why not your getting regardless " and If you want people to answer your phone calls maybe have you employeer update the phone records so it doesn't come up as spam.
The " Law office " Is XXXX XXXX ( which I only found 1 and they deal with timeshares ) The debit was for like {$2300.00} ( give or take ) Client HSBC. Guys name was XXXX. And there was a voice mail with a call back # XXXX XXXX XXXX XXXX. Stating in regards to a civil matter couldn't really make out the rest but female stated that " I've been notified " All phones listed the XXXX, XXXX and XXXX were reversed look up and no information on any of these number except the XXXX was listed as XXXX, XXXX Georgia
|
| 12/18/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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HSBC XXXX Branch at XXXX XXXX/XXXX ( XXXX XXXX XXXX XXXX, Washington, DC XXXX ) made repeated errors at multiple levels over a period of +30 daysin properly executing a formally requested international wire of {$320000.00} from HSBC to XXXX. The wire request was initiated on XX/XX/XXXX, but due to delays and error, HSBC did not abide by the client 's instructions. In fact, due to repeated errors, the wire was sent two times and the bank introduced new set of multiple errors again on XX/XX/XXXX.These errors by the remitting HSBC bank , have resulted in a substantial loss of funds ( {$5500.00} in net value + {$960.00} in unrealizedlost interest for 31 days@ 3.55 % ) ( {$5500.00} in net value + lost net HBSC interest for 1 month@ 1.8 % ). Had HSBC used the correct guidelines and customer instructions to process the first and second international wire on XX/XX/XXXX and XX/XX/XXXX, respectively, this loss could have been avoided.
Point of Concerns 1. These repeated errors by a multinational remitting HSBC bank led to these funds being kept for almost one month under " so-called wiring stage '' and has raised serious concerns because the customer made repeated attempts to communicate instructions to immediately wire.
2. HSBC bank did not follow specific written instructions provided to the branch and WIRE department on XX/XX/XXXX for no apparent reason.
3. HSBC bank 's failure to use the complete SWIFT Code ; use of incomplete SWIFT Code along with IFSC Code used by domestic wiring ; and did not add 0 to the account number listed at second place.
4. Why did HSBC intentionally avoid providing the SWIFT Copy and Computer generated printout of dated WIRE Path?
5. Although the client co-addressed or copied all e-mail communication to the Branch Manager and Assigned XXXX Manager, both of these officer kept themselves out of communicating with the client.
Did you contact the branch : 1. We contacted the customer service on XX/XX/XXXX ( see attachment 1 ) 2. The bank responded on XXXX without honoring our complaint and a fair evaluation, while totally ignoring relevant factual errors created by the bank ( see attachment 2 ).
3. We again contacted the bank on XX/XX/XXXX with our disagreement. The bank ignored toaddress points # 2 and # 3, while again the factual documentation about the wire instructions to HSBC in XXXX. We also pointed out that the bank letter contained statements that were not supported by any documentation, and that we specifically raised the issue that " both parts of your statement are false '' and provided supporting evidence from the material provided by HBSC and XXXX. ( see attachment 3 ) 4. Bank responded back again with a negative response, while again, ignoring the facts of the matters.
|
| 05/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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In a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX, attorney for Beneficial states, " I have confirmed with Beneficial that its pre-Petition arrears claim was paid in full, and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to XXXX XXXX XXXX, XXXX, Chapter XXXX Bankruptcy Trustee regarding the Notice of Final Cure Payment and Completion of Plan Payments.
In a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX by XXXX XXXX of HSBC they stated to the NYS XXXX : " An audit has been completed. '' " We have completed reconciliation ... .and can confirm that the account status is accurate. '' " Account is current. The next payment is due on XXXX XXXX, XXXX in the amount of {$1000.00}. '' Instead the next payments were applied to XXXX XXXX that should have been applied to XXXX XXXX per their letter to XXXX XXXX XXXX of the NYS XXXX. This starts the cascade of accounting errors.
On XXXX XXXX, XXXX they notified us that our home loan was sold to XXXX XXXX XXXX Participation Fund XXXX. XXXX XXXX Loans would begin servicing our mortgage effective XXXX/XXXX/XXXX.
They sent letters dated XXXX XXXX, XXXX stating that we could lose our home because it was 30 days in default. They sent individual letters to both of us by regular mail and certified mail.
They stated in these letters : " You can cure this default by making the payment of {$2200.00} dollars by XXXX/XXXX/XXXX. '' This is 15 days after they have sold the loan to XXXX. Clearly this is an bogus debt and an illegal collection.
HSBC/Beneficial sold our loan to XXXX XXXX as a distressed mortgage. This was not the case as we were up to date and even ahead in payments.
In a letter dated XXXX/XXXX/XXXX XXXX XXXX of HSBC included records of our account that show the XXXX/XXXX/XXXX payment was made on XXXX/XXXX/XXXX.
In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the XXXX XXXX records referenced above that were sent post " XXXX XXXX reconciliation audit. '' In summary Beneficial confirmed that we were up to date through reconciliations and audits completed in XXXX, XXXX and XXXX XXXX. However that was not the information they sent to XXXX. We have experienced ongoing problems due to Beneficial 's inability to inform XXXX of their gross error.
|
| 01/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
I'm currently working as an active military hours in the XXXX XXXX and this company is giving me a hard time by telling me false information i responded to their letters and i even contact back and left them a voice mail stating that i'm going to basic training for the XXXX XXXX. i wouldn't have any way to make any contact while i'm at XXXX texas on XX/XX/XXXX to XX/XX/XXXX that when i graduate from boot camp. i only gotten this responses from them .. '' A review of your accounts confirms on XX/XX/2018 you closed your credit card ending in XXXX as a lost card with a total fraud claim of {$1700.00}. This claim was reviewed on XX/XX/2018 and denied. A letter was sent the same day reflecting this information. '' which is also false because these transaction added up a different amount XX/XX/2018 XXXX # XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 SALE REVERSAL More info Select to Expand XXXX XX/XX/2018 TEXAS XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 SURF XXXX XXXX - XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX # XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX 'XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX # XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX 'XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX # XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX & XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX & XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX and this are the claim that i have responded back to you guys in your letter and you guys need to read my letter and stop acting like you guys didn't receive it. please stop sending me false information.. i will be in XXXX for my XXXX XXXX so the best way to reach me is by my cell phone and if i don't respond it's because i'm in the military.
|
| 06/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
On XX/XX/XXXX. I started receiving calls from multiple relatives informing me that this company ( identified to me as XXXX, to others as XXXX XXXX ) was contacting them regarding a claim that was being filed against me. I then received a call from my father, who informed me that a woman wanted to talk with me and that they were " filing papers '' for a suit against me. He spoke to her ( XXXX, extension XXXX ) multiple times during the day while I was attempting to figure out what was going on, and at no point did I give her or anyone at " XXXX '' permission to do so. At one point during their conversation, she informed him that she would like to get this paid off by XXXX.
I gave them a call ( XXXX ) and spoke to XXXX, extension XXXX. She informed me that papers were being filed with the XXXX County courthouse because I had " defrauded a credit card company ''. She also mentioned something about wage garnishment. After asking her to identify the debt, she responded with a 16 digit account number, an amount of XXXX dollars, and stated this was a debt from XXXX that had only received one payment and therefore constituted credit fraud.
I asked if it was possible to pay whatever it was that I owed to stop this, and her answer was yes and that they would settle for XXXX dollars. I then asked her why this debt was not on my recently pulled credit report, and her answer was that it was because they were filing papers to submit them to XXXX County and they were trying to avoid the 7 year statute of limitations.
Naturally I was a bit apprehensive at this point, as I had just gone through a refinance with my house and had to find every possible debt from the recent past and get it paid off. This debt was not among them.
I asked for a direct number to the person I was to contact in the event this did prove to be a legitimate debt, and her response was that there wasn't one and to just call the number that got me to her. ( XXXX ) After getting off the phone with her, my wife received multiple calls from them, as did my other sister and even her husband.
Fortunately I keep old credit reports, and after looking through a physical copy of my credit report from XXXX, the account number I was given did in fact belong to a credit card that had been opened in XXXX, paid on time for months before becoming late, and then charged off in XXXX. This plainly contradicts what I was told ( opened in XXXX, only one payment ) by XXXX. Her urgent tone and general lack of specific information or even a remotely recent address for me coupled with the fact that her date and specifics of this " debt '' were incorrect lead me to believe this is a " scare tactic '' attempt to fraudulently collect a debt that is no longer valid.
|
| 02/26/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
To Whom it May Concern, I am filling this formal complain because I feel that Beneficial ( HSBC ) is not honoring their part of the agreement with the government. I have been trying to get a loan modification since XX/XX/XXXX. During that time Beneficial has put me through a ridiculous ordeal. I have a legitimate reason for hardship. I became divorce in XX/XX/XXXX so that took away half of that income, then my father became sick and my Aunt took over his house that was next door to me, I started taking care of my father then after he passed away, my aunt became dependent on me and I had my son whose mother had nothing to do with not even financially was my responsibility. all these issues with under {$30000.00} a yr pay. I recently then remarried in XX/XX/XXXX to my new wife who is XXXX XXXX and I do carry the burden of putting her in this mess. we have XXXXkids and XXXX grandchildren and we have borrowed money from family and friends. I believe that Beneficial illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had Beneficial not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. they told me they never received my paperwork, or this computer does n't have that information, they said they lost it and told me I had to re-apply. They kept changing relationships managers on me and I could never get the same person on the phone twice. My mortgage is currently over XXXX % of my gross monthly income. If that is not considered a hardship by Beneficial, that what really is? I believe I meet every single criteria put forth by HAMP program. My mortgage was originated in XXXX and I never refi 'd. this home this is ( was ) my families home and I took a loan out to update it. I am hoping that someone will hold these big banks accountable for homeowners assistance when they clearly deserve it. I think the main reason that Beneficial is not helping me is because I do have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. there are an obscene amount of foreclosed homes in my neighborhood and more going up everyday and I do not want to join them. Please help me save my home. I want what is fair and right.
Sincerely
|
| 07/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened an HSBC Advance checking account last XXXX with the {$350.00} account opening bonus attached, with the requirement being to deposit {$10000.00} within 30 days of account opening, and to maintain that balance for 90 days. The fine print says the bonus will be paid within 8 weeks of meeting the requirements. I completed the requirements on XX/XX/XXXX - maintained the bonus for 90 days - however the bonus still hasn't been paid to this date. The fine print of the promotional bonus is attached below.
I applied for the account online, and the account was approved via email on XX/XX/XXXX ( email attached below ).
However, I did not get a link for registering for online banking until XX/XX/XXXX ( email attached below ).
And I was only able to access my account on online banking on XX/XX/XXXX ( email attached below ).
My initial deposit of {$1.00} was not deposited until XX/XX/XXXX as can be seen in my electronic statement below.
I contacted an HSBC customer service representative by the name of XXXX, who confirmed in writing that the bonus requirement of depositing {$10000.00} " within 30 days of account opening '' means 30 days from the date of initial deposit, which means by XX/XX/XXXX ( 30 days from XX/XX/XXXX ). Additionally, the rep. confirmed in writing that the deadline for the deposit is in fact XX/XX/XXXX.
The chat record can be seen below.
After I deposited XXXX on XX/XX/XXXX, my account reached the balance of {$11000.00}, meeting the requirement of having a balance exceeding {$10000.00} on or before XX/XX/XXXX ( within 30 days of account opening/initial deposit as confirmed by the aforementioned representative ). This can also be seen in my electronic statement below.
I have maintained a balance of over {$10000.00} for over 6 months, since XX/XX/XXXX, yet I have not received the bonus. I repeated contacted the customer reps over online chat and they all told me they wouldn't be able to submit any inquiries and that I had to wait - a few of them told me to wait until 8 weeks after the requirement was met, and then after that date, they told me to wait until the end of XXXX.
Using XX/XX/XXXX as day 1, the requirement of maintaing a $ 10k+ balance for 90 days was met on XX/XX/XXXX. Adding 8 weeks to XX/XX/XXXX yields XX/XX/XXXX. It has been over 3 months since I've met the requirements, yet I still have not been credited the bonus.
I chatted with a customer rep. last week who said they would submit an inquiry and on XX/XX/XXXX, I heard back from them saying I was ineligible due to " the account not being funded with the qualifying balance within the first 30 days of account opening '', clearly contrary to what the customer rep. ( XXXX ) informed me back in XXXX.
|
| 04/28/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
Dear Sir or Madam : I am writing to file a complaint against HSBC Bank, NA for failing to provide me with a service routinely available to its richer clients.
XXXX What HappenedThe service is a medallion signature guarantee - in effect, a stamp from a bank or other financial institution that guarantees my signature, and has checked my ID to confirm that I am who I say I am. The bank is guaranteeing that I am not forging someone else 's signature, and will accept liability if somehow the signature turns out to be a forgery.
Because a bank generally wo n't issue this guarantee to someone they do n't know, it 's best to obtain a signature guarantee from a bank or brokerage firm with which you do business.
In my case, that 's HSBC. I have been a customer of HSBC for many years, and have a checking account there. ( I also have used HSBC for a business account for my small private business, which is no longer operating. ) I have lived in XXXX at the same address for almost XXXX years ( we own our house ) I am employed, and I pay my bills.
Recently, my father has XXXX, and both he and my mother have signed power of attorney over to me. ( My father 's XXXX faculties are still acute, but XXXX ) They live in XXXX I live in XXXX. I have power of attorney over their bank accounts at XXXX Bank.
My parents are not customers of HSBC bank. I am.
And as a long-time HSBC customer, I expected the bank to guarantee my signature -- I came prepared with the signed, witnessed and notarized power of attorney docs, my XXXX state driver 's license and my XXXX passport, as well as the XXXX request for a signature guarantee.
After some confusion -- the account executives at the branch on XXXX XXXX, XXXX XXXX did not what a medallion signature guarantee is -- the bank refused me this service after calling someone in operations in XXXX. XXXX in XXXX, who was also unfamiliar with the signature guarantee medallion, declined to provide this service because I was not transferring securities.
It 's true that I am not transferring securities within HSBC, but I will be transferring securities as an agent for my parents ' financial affairs.
There is probably no law that compels HSBC to issue the stamp. But this type of service is routinely provided to banks ' and brokerage firm customers as a courtesy.
I can only conclude that HSBC is withholding this service because I am not a rich enough customer.
Desired resolutionI want someone from the bank in the greater XXXX area or XXXX to issue a medallion signature guarantee ( guaranteeing my signature ) so that I can complete the process of becoming agents with power of attorney to my aging parents.
Thanks for your prompt attention to this matter.
|
| 07/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In XXXX XXXX our monthly mortgage payment was made by phone to the customer service department of HSBC. We were told that due to our account being in good standing we were eligible for refinancing. We were referred to the refinancing department and spoke to a refinancing personnel of HBSC by the name of XXXX, who completed with us the initial application for refinancing. We were then assigned to another of HBSC employee by the name of XXXX XXXX who took over the application process and told us that closing date would be sometime in XXXX XXXX, and that we should not make the XXXX XXXX XXXX mortgage payments as they were being included in the refinancing. He also told us that our first mortgage payment would be for XXXX XXXX.
We received a call around XXXX from HSBC employee XXXX XXXX XXXX informing us that the closing date had to be changed to the first or second week of XXXX XXXX. Our insurance agent also received a call from HSBC employee XXXX XXXX XXXX, making request re paper work, pertaining to the refinancing of our home. HSBC through XXXX XXXX XXXX contacted us again by XXXX XXXX informing us of a final closing date of XXXX XXXX, XXXX. After that no further communication was received from HSBC.
Numerous calls were made by us and messages left on XXXX XXXX 's HSBC extension voice mail and direct line ( XXXX ) XXXX - XXXX at HSBC. Our insurance agent also made several attempts to follow up with XXXX XXXX XXXX of HSBC refinancing department but to no avail. At this point we desperately tried to obtain information re our pending refinance closing and was able to obtained information through HSBC customer service that the mortgage payoff was given to XXXX XXXX in the refinancing department and that they were awaiting the closing.
While waiting for the closing to our dismay, we received an intent to accelerate letter from HSBC dated XXXX/XXXX/XXXX which added stress to an already stressful situation. We at this point sacrificially made the XXXX Mortgage payment, believing that, HSBC would resolve the matter, which they did not. Verbal and written complaint was made to HSBC emphasizing that our financial hardship was brought on by the breach of contract by HSBC.
It is hereby unbelievable that even in the light of the overwhelming evidence of breach of contract and fraudulent activities by HSBC, including but not limited to forgery, HSBC did not do the right thing of resolving the matter by completing the refinancing process. This, they themselves initiated which if done would not result in us being in foreclosure.
We hereby seek your help in investigating this urgent matter.
Contact number XXXX XXXX XXXX XXXX - XXXX email : XXXXXXXXXXXX Yours Truly, XXXX XXXX XXXX XXXX
|
| 02/05/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
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My home is currently under a foreclosure process, but I have been taken advantage and been treated unfairly as I have been assessed unfair fees, and was a homeowner subject to both unfair debt collection practices and predatory lending practices of my original lender HSBC ( Appendix B ). My state of Illinois and XXXX County attorney general filed former suits against HSBC, and subsequently they have quietly attempted to transfer ownership and obligation to another entity - XXXX.
Without my knowledge or consent, my home was transferred to a private entity, XXXX XXXX XXXX XXXX, from a private sale for homes under distress. My servicer is now owned by XXXX, a global private equity fund, and is owned by a XXXX named XXXX.
So XXXX has bought my mortgage in bulk auctioned deal, at a substantial discounted rate and has even been paid a big chunk of money that came out of my mortgage insurance. By not discounting the principal of my loan, the rich investors behind the XXXX make a windfall off of me. In addition, HSBC has continued the lawsuit under the representation that it is the owner of the loan without notifying the court that the ownership has changed.
This can be confirmed and are on record from XXXX 's financial records website ( See Appendix D ). This entity has even represented themselves as being with XXXX as Trust for XXXX, however my lender and servicer are still listed as HSBC and XXXX respectively. I am advised that under XXXX, my mortgage could be considered a non-negotiable instrument.
This practice is very unfair - how is it allowed that the private equity bigwigs get to buy my loans at a subsidy ( HUD ), but as a homeowner with a home under water, I do n't get a subsidy when trying to save my own home. They are profiting off of my distress.
I have tried to work my old and new lender/servicer over the last year plus, but have not gotten any resolve or assistance. I have worked with my servicer and lender directly, HUD, XXXX County Foreclosure Mediation ( Honorable Judge XXXX XXXX ), and private consultation with an attorney. I was consequently advised to contact my local Congressman, National Association of Consumer Advocates, and Consumer Financial Protection Bureau on this matter.
I am a previously unemployed, divorced father with XXXX children XXXX XXXX old, XXXX in college, XXXX, and XXXX elderly parent ( Mom, XXXX ) who I support and live in the home. My last few correspondences have only resulted in me being told to do a short sale or deed in lieu - transactions that would only benefit the lender/servicer. I was recently even told that a modification would not be considered due to the status of the loan and the fact that it 's severely under water.
|
| 04/23/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
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I received a text message on XX/XX/XXXX from my general manager at my place of employment letting me know someone was trying to get in touch with me and he gave me their information. I called the number and gave them the reference number. I was then transferred to a gentleman claiming to be from XXXX. He had all my information, social, amount I currently have available on my credit cards and so on. He told me I owe money for a credit card I had in XX/XX/XXXX. I asked why I had n't received anything in the mail and he told me they had sent it, the mail service can be unreliable. I said I wanted something in writing from them, to prove they are who they say they are. I mentioned that I had n't seen anything on my XXXX credit report and he said it was because I needed to check my XXXX one. I told him bottom line I did n't feel comfortable settling for XXXX and issuing a credit card payment without any knowledge of who they are. He said he could send me a generic email, that would n't pertain any type of payment information to set up, just general information. I was leaving for work at the time and he did send the email which did n't even contain a letterhead. I google searched the number they had called from, XXXX, and found numerous complaints about threatening and harassing calls. I also bought my experian credit report and found that a company, XXXX ran a credit check on me on XXXX XXXX, which would explain how he had all my information. I searched that company and found a phone number but when I called that company it was a voicemail saying if I left a message someone would return my call in 24hours. I left it at that. Then today, XX/XX/XXXX around XXXX someone claiming to be from XXXX? called my place of employment asking for the address and my name, my employee then gave the phone to me. It was a woman claiming to be from a processing server company who told me they were planning to come to my place of employment within the next hour to serve me with papers that would require a signature, I said that was fine. She then repeatedly asked if I wanted a number so I could call and have the serving of the papers rerouted, I said no, its fine. She asked what time I would be here until and I said I 'll be here all day. It 's now XXXX EDT and no one has shown up. I explained to my general manager what was going on and apologized for the phone call. He told me that when he was contacted yesterday the woman on the phone was telling him they needed to contact me immediately or that was it, I would lose my chance of any resolution. He also said that he was received numerous call from who he assumes is them again today but he was not answered to avoid any further problems.
|
| 07/14/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
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I received a call from someone stating he was with the XXXX XXXX County court and was trying to contact my Mother. I asked what it was in regard to and he stated she was being served and he needed to verify that someone would be home. He stated they had made 2 attempts and if she was not available after the 3rd attempt the legal proceedings would begin without her. I was given a number to contact to get more information about the case. The caller stated due to federal regulations he could not give more information because was in the dispatch center. I called the number that was provided and it was the corporate office for XXXX XXXX in XXXX California. That 's when I knew something was n't right. I was able to provide my mother 's social security number so they would speak to me about the file. My mother is deaf which is why she did n't call herself. I spoke with a XXXX and was advised that a debt was owed for an HSBC/XXXX credit card that was opened in XX/XX/XXXX. When I explained that there was no way a credit card was opened in XX/XX/XXXX, he said then why has someone been making payments on the account. He said the last payment received was for {$180.00} on XXXX/XXXX/XXXX. He said that 2 letters were already sent out and wanted to know why they were ignored. I said, I 'm not my Mother so I have no idea. When I asked about it being fraud, he said that would be decided in court. I also asked why this does n't appear on my Mother 's credit report. ( I know what is on her report because I help her monitor her credit. ) He responded there are XXXX reasons. XXXX because they are either waiting on a judgement from the court or for the client to accept an offer an pay the debt. I again said there is no way any credit was opened in XX/XX/XXXX and I know this because I opened up card on my Mother 's behalf in XX/XX/XXXX. He said then you did open the account. I said, no sir that was in XX/XX/XXXX. He told me all calls are recorded and wished my mother the best of luck in court. The call ended. I called back to get more information on the company. XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. When I asked for more information, he refused and said that he would provide more info when my XXXX mother called. I said I 'm trying to get information so she is available when she is served. He then said that she will be served when he submits the order. That 's when I knew something was really wrong. Someone originally called and said he was from the courts trying to serve my Mom, but she 's always home and no one has served her. The original caller must have been associated with XXXX XXXX and mis-represented himself. The validity of this debt and the dates involved are in question.
|
| 01/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I file a complaint against HSBC and its front organization XXXX. In it, I stated the following : I have had an ACH Direct Transfer agreement with HSBC for the past 14 years during which HSBC has been withdrawing its monthly mortgage on time, uninterrupted. In or about XX/XX/XXXX without my knowledge, permission, or consent, HSBC stopped the transfers for reasons it refuses to provide. The attached HSBC Direct Transfer Policy, Section III ( ACH Revoke Authorization ), states that only the consumer can revoke this authorization. I have not done so. It remains valid. HSBC has refused to transfer the fund and has initiated foreclosure. If this all sounds absurd, it is. I am filing this compliant to find out from HSBC ( 1 ) why it stopped the Direct Transfer, ( 2 ) why it has damaged my credit, and ( 3 ) why it has initiated foreclosure. Simple questions. I hope HSBC responds.
In its XX/XX/XXXX response letter, XXXX states : research confirmed automatic drafts ceased on your account when the trial modification was offered to you on or about XX/XX/XXXX. Since payments differ during trial modification periods, automatic drafts can not be completed.
My response : I never accepted HSBCs modification offer. If HSBC has me signed off on any modification offer, it should produce it. If it does not have it, it has to remedy.
In its XX/XX/XXXX response letter, XXXX further states : Additionally, because the trial modification payments were not made and your account fell into default, the automatic drafts could not be reinstated. As reflected on the initial automatic debit enrollment form, we may reject any request for Electronic Funds Transfer Payment if the account is delinquent.
My response : I never accepted HSBCs modification offer so there were no trial payments to be made in the first place.
In its XX/XX/XXXXresponse letter, XXXX further states : As of the date of this correspondence, foreclosure has been initiated, however, a foreclosure sale has not been set. The last payment we received was applied to your account on XX/XX/XXXX.
My response : I never accepted HSBCs modification nor cancelled the automatic payment ; it was HSBC that on its own, without my consent or permission stopped it. The money has been in the account for HSBC and I urge HSBC to transfer it whenever it wishes.
In its XX/XX/XXXX response letter, XXXX further states : If you have any questions, please feel free to call XXXX XXXX, Liaison XXXX Office of the President at XXXX extension XXXX.
My response : I have left at least 5 messages for XXXX XXXX XXXX and more for XXXX XXXX but one has returned my call. The case manager, XXXX XXXX, refers me also to them.
|
| 01/27/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
This is a contnunation of the previous complaint filed with you on XX/XX/XXXX. # XXXX-XXXX. That complaint was with XXXX which is the tail end of this whole situation. Originally XXXX XXXX XXXX XXXX. approved a HELOC in the amount of {$46000.00} on XX/XX/XXXX. Loan # XXXX. The only payments shown on the payment history provided by XXXX, account # XXXX, were in the amount of XXXX from XX/XX/XXXX to XX/XX/XXXX. However, XXXX did not receive this account as delinquent until XX/XX/XXXX. I believe the reason for this action and no record of these payments, being taken 8 yrs later is because, initially I made at least 5 yrs worth of payments to the mortgage servicing companies but my loan was transfered several times during this period. XXXX XXXX XXXX XXXX. was sold to HSBC XXXX XXXX XXXX, XXXX, VA. Account # unknown because Hsbc filed bankruptcy and have no record of this loan. Then my loan was serviced by XXXX during that time but in XX/XX/XXXX, the District Court of XXXX found that XXXX XXXX XXXX was found negligent in their servicing practices and was ordered to pay {$30.00} XXXX dollars in various types of relief to the borrowers that were paying on their loans from XX/XX/XXXX to XX/XX/XXXX. Again, there is no record of the payments that I made other then what XXXX provided. But also during this time period, After HSBC went bankrupt, my loan then became serviced by XXXX XXXX, whoever they are, but they also have no record of this loan or any payments made. I don't know what happened to this loan anywhere that I can find but there is 6 pages of what was recored with the XXXX County Recorders Office in XXXX XXXX, CO. BK XXXX, PG XXXX. This filing did not include any of the details of this loan. The only verification of the terms of this loan were provided, with your previous help, by XXXX who has since been bought by XXXX. And it was unfortunate that I had to contact your office to even see what thus loan consisted of and it's terms. Had I been made aware of any of this I would not have let this loan default to become property of XXXX to collect this debt. As you might recall, during this whole time period, there were many scams and scandels confronting the mortgage industry. I don't know if I was a victim of this. I am filing a claim against XXXX along with the thousands of others to see if I was in fact this had any bearing on how my loan was handeled. The original property that was used as collateral for this HELOC is presently in litigation for other reasons. However, the findings from this complaint could determine whether I have to let my home go into foreclosure or if I have to file bankruptcy. Thank you for any help you are able to provide.
|
| 07/29/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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I purchased a home in XXXX of XXXX with XXXX as the lender, a XXXX and XXXX mortgage. The loans were refinanced with XXXX XXXX XXXX and paid in full in XXXX of XXXX. It was brought to my attention dealing with my current lender, XXXX, that XXXX never submitted the documents to release the liens. I contacted the title company and they provided payoff transmittals and checks to substantiate the payoff to XXXX. I contacted XXXX and sent the title policy, settlement statement, payoff transmittals and legal description to have the liens released. As instructed, that information was sent via USPS Certified Mail to PO Box XXXX, XXXX, FL XXXX and was received XXXX XXXX, XXXX. I received an auto generated letter from XXXX stating there was an error and the Lien Release process was initiated. Upon following up, one week later, I was told the loans were now being serviced by PHH Mortgage and that I needed to e-mail the information to their Lien Release Department at XXXXXXXXXXXX. I obliged and e-mailed all of the information on XXXX XXXX, XXXX. During my initial follow up one week later, the Customer Service Rep confirmed the loans were paid in full and that at this point it was a matter of having the Liens physically released. I have followed up with PHH Mortgage every week since sending over the documents only to be told that they do not have any additional information and that these issues take up to 30 days to process. Once the 30 days were exceeded the target then moved to " it can take up to 60 days to complete the Lien Release process ''. I have resubmitted the information to XXXX XXXX XXXX Ext. XXXX and XXXX XXXX, so it has been submitted to their company 3 times. I was also given a Supervisor 's name and number XXXX XXXX XXXX Ext. XXXX but she will not return any calls. Yesterday, 68 days into this process, I called their Customer Service Department and I was instructed to resend the information because he did not " see it in the system '', I had to tell him that I have submitted the information 3 times. I find it concerning that I have no accessible file in their system that would show the information was received or where it 's at in the process. We are now 69 days into this process and every time I call, no one can give me a status update or even really find my information. This is a simple matter of releasing XXXX old liens. I am very frustrated and seeking immediate resolution to this issue. This is not my fault, as these loans were paid-in-full with XXXX in XXXX and they did not follow through on their obligation to release the liens. This is causing problems for me dealing with my current lender as I can not produce a clear title to my home.
|
| 04/13/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I received an invitation from HSBC bank to open a new checking account and if I make two bills pay for three month, I will receive bonds of {$370.00}. I went to branch and open the account back on XX/XX/XXXX. I met the requirements but I did not receive what I was promised.
I called the XXXX # three weeks ago I was told we will investigated and get back to you in 24 hours. I never heard back. I stooped at branch I spoke with XXXX and XXXX the person who open the account for me. I was told it take three months after I met the requirements I told him that passed a few month ago. She called the XXXX # and was asked to submit a request to investigate the mater and I will get a call in a day or two. Two weeks passed by never heat back. I called again XXXX said that I did not meet the. I have been make bill payment more than XXXX times. Some one has to hold those people accountable for the misleading services. PLEASE SEE BELOW.
XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX PYMT {$100.00} XX/XX/XXXX PAYMENT TO XXXXELEC PYMT {$59.00} XX/XX/XXXX DEPOSIT {$2800.00} XX/XX/XXXX ONLINE PAYMENT TO XXXX XXXX PROCESSED ON:XX/XX/XXXX REFERENCE NUMBER : XXXX {$460.00} XX/XX/XXXX PAYMENT TO XXXX-XXXX {$1400.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$65.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX {$84.00} XX/XX/XXXX PAYMENT TO XXXX ONLINE-PAYMENT {$250.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX-ELEC PYMT {$52.00} XXXX/XXXX/XXXX DEPOSIT {$2800.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$62.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$77.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$740.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$370.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$16.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$180.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$51.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$54.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$570.00} Debit ( - ) Credit ( + ) XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$200.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$540.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX {$360.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$570.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$70.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} THANKS
|
| 11/17/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On XXXX XXXX, XXXX, I opened a Revolving Line of Credit with XXXX XXXX XXXX XXXX HFC under the umbrella of HSBC. Much to my dismay I recently discovered HFC sold a loan ending in XXXX to XXXX by way of fraud. The loan agreement bearing my signature ended in XXXX ; the loan HFC sold to XXXX ended in XXXX. When HFC sold this loan to XXXX, HFC provided the agreement signed by me for the loan ending in XXXX, as validation for financial responsibility for the loan ending in XXXX, which is illegal. Thus, I made contact with HSBC and spoke with two different Management employees ; one XXXX XXXX, and XXXX XXXX. XXXX XXXX worked with me for two weeks prior to her layoff ( effective XXXX XXXX, XXXX ), in an attempt to resolve this issue. What XXXX XXXX discovered and share with me was the following : 1 ) There was no loan agreement bearing my signature for the loan ending in XXXX ; 2 ) There was no documentation or notes in the HSBC system of records on why the loan number change took place ; 3 ) There were no notes/documentation in the HSBC system of records showing I was notified of this change ; 4 ) There were no notes/documentation in the HSBC system of records showing an effective date of when the loan number would change ; 5 ) There were no notes/documentation stating who made the decision that loan ending in XXXX was my debt. However, XXXX XXXX did share with me : 1 ) There was a HUD XXXX in the HSBC system of records which showed on line # XXXX the loan ending in XXXX was paid when I refinanced my home In XXXX. After XXXX XXXX departed I ended up communicating with XXXX XXXX, who was rude, curt, short and unwilling to listen. Most of our conversations where shouting matches. I asked XXXX XXXX on several occasions for the number to the Chief Executive Officer, of which she refused or provide. XXXX XXXX then sent me a letter and upon reading the letter one would believe that I sent XXXX XXXX written correspondence and she was responding. Not true all of our communication was via phone. Attached to XXXX XXXX letter was a bunch of automated printout, which according to the opinion letter from the FTC by XXXX XXXX XXXX, does not constitute validation. After I received XXXX XXXX letter I made contact with her once again, and XXXX XXXX as me not to contact her again. Thus, I am asking that XXXX XXXX does not respond to this complaint and that I be provided with the number to make contact with the Chief Executive Officer. XXXX then sold this fraudulent loan to XXXX XXXX XXXX. I also possess a credit report which shows this HFC account was closed XXXX XXXX, XXXX, showing paid in full and HFC states this loan was sold to Springleaf XXXX XXXX, XXXX.
|
| 05/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
HSBC/Beneficial does not know how to do basic accounting. The error occurred in XXXX XXXX when they applied payments received for the XXXX mortgage payment to XXXX XXXX. This is evidenced by their letter dated XXXX XXXX, XXXX which stated that we could lose our home because it was 30 days in default. They sent a total of XXXX copies of this letter : XXXX that were sent certified mail ( 1 for my husband 1 for myself ) to the same address and XXXX that were sent my regular mail. Apparently they do n't know how to read their own records. At that time they knew the loan had been sold to XXXX as they sent us a letter dated the same day notifying us that the loan would be serviced by XXXX effective XXXX XXXX, XXXX. In that letter they tried to collect {$2200.00} by XXXX/XXXX/XXXX which is past the date that they would be servicing our account. In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the records sent by HSBC employee XXXX XXXX that were sent post " XXXX XXXX reconciliation audit. '' How many different audits does it take?
In a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX, attorney for Beneficial states, " I have confirmed with Beneficial that its pre-Petition arrears claim was paid in full, and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to XXXX XXXX XXXX, XXXX, Chapter XXXX Bankruptcy Trustee regarding the Notice of Final Cure Payment and Completion of Plan Payments.
In a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX by XXXX XXXX of HSBC they stated to the NYS Attorney General 's office : " An audit has been completed. '' " We have completed reconciliation ... .and can confirm that the account status is accurate. '' " Account is current. The next payment is due on XXXX XXXX, XXXX in the amount of {$1000.00}. '' Instead the next payments were applied to XXXX XXXX that should have been applied to XXXX XXXX per their letter to XXXX XXXX XXXX of the NYS Attorney General 's Office. This starts the cascade of accounting errors which they are still unable to correctly identify and rectify. They also spent 2 years telling us that they had no responsibility to rectify the errors they passed on to XXXX.
|
| 12/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I use a credit monitoring service. This morning I received an email from that service that my credit line with HSBC BANK USA was closed without my knowledge. This account has been open since XXXX of XXXX and has been in good standing the entire time. The account had no balance.
I was on the phone with HSBC last month on XX/XX/XXXX. At that time the company pulled my credit history and gave me a credit line increase to {$8200.00}.
Speaking at some length with XXXX different people this morning I was told that the line was closed for lack of use and that I should have received a letter warning me to use the line or it would be closed in the subsequent billing period.
I never received such a letter. I wasn't given any such notice during my call on XXXX.
Part of the reason for my call last month was that I knew that I'd be using more credit in the following month to take advantage of some generous offers on other cards and I was adding more credit to not XXXX up my credit utilization ratio.
Assuming that this was all a mistake I gave each of the XXXX people I talked with a chance to remedy the situation. None did. Indeed they all told me that I'd need to apply for a new card. The final person said that HSBC wasn't accepting new card applications at this time.
This company is terrible. I did all the things I was supposed to do. I monitored my credit. I over-communicated my credit usage in advance. I use their app. I open their emails. I read my mail.
I didn't get any notification on the phone with them a month ago, and they admit they didn't bring the subject up. I didn't get any notification by email and they admit they didn't send any. I didn't get any push notifications on their app and they admit there wasn't one. All of my contact preferences on their site are ( and have been for years ) set to email communications and online statements. There are no communications listed from them digitally in their own system for this period. ( see attached screenshots ) For these reasons I find it highly dubious that at a time when they're not accepting new applications, they claim to have sent out a physical letter in the most congested logistical environment in the history of the country.
As a consequence, my credit will suffer. It will b e more difficult to get credit. It will be more difficult for me to make investments in my business I had scheduled for the new year. It will be more difficult to replace the credit line in part because they made a hard pull of my credit just last month. It will be harder to get credit because a mature line of credit is no longer on my report.
This credit line should be reinstated.
|
| 06/29/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
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This agreement belonged to my mother, who passed away XXXX. Per her wishes we have to sell her residence. While in the process of selling the home a subordination agreement came up on the abstract dating back to XXXX. Our attorney reached out and was told they could n't tell if any money was owed and will not remove the agreement. I called HSBC/Beneficial Finance XXXX XXXX, on XXXX/XXXX/XXXX ( waited 20 minutes before someone pick the phone up ) and spoke with XXXX, ID # XXXX about the situation. As usual while I was explaining, he was researching and came up with a paid loan BUT this did not pertain the agreement from XXXX, which I explained in the beginning. At this point, I was not happy, and pointed out that he really did n't listen to what I was saying. Because I was unhappy, he became uncooperative. I explained that we had a buyer for the home and we are on a time constraint to get this resolved. His attitude was not very good, I totally get that but in my world you should support the customer whether you " like '' them or not. He told me I had to provide them with a title search to move forward. I told him that it was their burden to prove that the debt existed or release the agreement and that we should not have to pay for the title search. At this point he said " you are not the executor on this account and I will no longer talk with you about it ''. I told him my sister would authorize this and he said " she needs to put that in writing and then we will forward to our attorney 's for review, that will take some time ''. He was willing to talk to me before! He became very belligerent and if we did n't provide the title search then there is nothing they can to do to help us. I asked to speak with his supervisor, he put me on hold for a moment, came back and said, there is nothing she can do either. I asked if he was refusing to transfer me to his supervisor and he said " yes there is nothing she can do for you without the documents ''. At this point I asked for his supervisors name, he refused to give me his supervisors name because " I was not a customer of that bank '' I said, you do n't know that I am not a customer and I do n't need to be a customer to speak with your supervisor. He said he would not give me his supervisors name. At this point we will probably lose the sale of my mothers house because of the subordination agreement and it seems like HSBC is holding us hostage. This matter needs to be resolved and without the cooperation of the bank what can we do next? I have attached the legal documents as well as permission to handle this on behalf of my sister the administrator to the estate.
|
| 04/13/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX caused an unlawful eviction to be executed upon my home, when they do not have a valid court order or valid legal reason to sue me in court period. Enforcement officers insisted that we take up this matter in court. But this is wrong. The officers should have applied due process or the Law first. They have shifted the burden of going to court to aggrieved citizens. 735 ILCS XXXX plainly states that possession orders older than 120 days are invalid and unenforceable. 735 ILCS XXXX ( g ) also says that orders of possession can not be enforced against residents generically named. And yet this is what happened. The order that was wrongfully enforced was entered without jurisdiction ( in violation of the federal False Claims Act, state consumer protection law, and Fair Housing Law -- among others ) XX/XX/XXXX is roughly 3 years old. And it fails to name XXXX XXXX, one of the residents who was threatened with arrest for trespassing and forced to leave XX/XX/XXXX. On this same day, XXXX XXXX had the locks illegally changed. This man is a house thief and is seeking to sell my property with all of our belongings in it, " As-Is '', with no guarantees, asking for cash up front. I spotted such an ad on XXXX and XXXX. Neither XXXX XXXX or XXXX XXXX XXXX XXXX were named as plaintiff parties to the unauthorized foreclosure-related eviction actions filed 3x under seal in the wrong municipal district of the XXXX XXXX Circuit Court . Yet they were on the scene when XXXX XXXX Sheriffs showed up. When I filed formal complaints with the CFPB respecting the illegal court actions filed by XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX parties denied any responsibility for the actions. XXXX shifted the blame to XXXX Mortgage XXXX XXXX. And in its response, it referenced the transfer of mortgage loans. So HSBCXXXX and in turn XXXX must have transferred a non-performing, securitized void mortgage created without the proper licensing to these real estate companies or professionals. Nobody in my household is indebted to any of these parties and my home-ownership can be corroborated by a title report and tax records. The parties ' claims spring from false and fictitious filings submitted to courts, land recording systems, and local governments. They need to be charged, because it is a crime to submit fabricated documents and evidence to peace officers or public officials ( See 720 ILCS XXXX and XXXX ). XXXX XXXX is currently trying to get us to abandon the property altogether by making arrangements to move our stuff, when he has no real rights in the property.
|
| 03/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/XXXX I was charged {$4400.00} on my then owned HSBC Bank Debit Card. The charge was from the merchant XXXX XXXX XXXX XXXX. I contacted HSBC immediately about the fraudulent charge on my debit card. They reversed the charge opened a dispute and issued me a temp credit while they investigated the matter. I was issued a new debit card and was told by a rep that i needed to wait 60 days for the outcome.During the dispute they allowed XXXX XXXX XXXX XXXX charge the new debit card two additional times in the amounts of {$2200.00} and {$220.00}. After the dispute was resolved HSBC withdrew the temp credit, saying that XXXXXXXX XXXX XXXX XXXXr provided documentation proving that I had rented a car and was liable. I requested that HSBC send me the documentation that they had as proof. Upon receiving the documentation ; the documentation didn't not contain My Name, Identification or Signature. It had a completely different name, ID and signature. I contacted HSBC immediately to make them aware that the documents they had as proof didn't contain my Name, I.D, or signature. Another dispute was opened and I was told to wait another 45 days. At the end of that dispute I was still held liable. I was told by HSBC to contact XXXXXXXX XXXX XXXX XXXX to have them reverse the charges. When I contacted XXXX XXXX XXXX XXXX they told me they didn't have any account with my name so there was nothing to reverse. I have contacted XXXX dozens of times about this matter. But have been unable speak with anyone who can resolve this matter. I even was promised to be contacted back dozens of times. And to date I still haven't received correspondence. On XX/XX/XXXX I received a debit collection letter from XXXX XXXX XXXX XXXX to collect a debit on behalf of HSBC in the amount of {$6700.00}. This debt is Fraudulent and there is current court proceeding that has been pursued.
A JUDGMENT WAS ENTERED IN XXXX XXXX CIVIL COURT ON XX/XX/XXXXXXXX IN FAVOR OF ME AND AGAINST HSBC BANK IN THE TOTAL AMOUNT OF {$9000.00}. IT HAS BEEN 44 DAYS SINCE THE JUDGMENT AND HSBC BANK HAS NOT PAID THE JUDGMENT. I ALSO HAD HSBC BANK LOCATED AT XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX WITH AN " INFORMATION SUBPOENA '' SO THAT I CAN HAVE THE MARSHALLS/SHERIFFS PURSUE MY JUDGMENT THE COMPANY HAS NOT RESPONDED TO A COURT ORDER.
ON XX/XX/XXXX I FILED A " TRANSCRIPT OF JUDGMENT '' WITH THE XXXX COUNTY CLERK. IN WHICH A LIEN WAS PLACED AGAINST HSBC BANK.
IF JUDGEMENT IS NOT PAID WITHIN 7 DAYS I WILL SUE FOR " TROUBLE DAMAGES '' WHICH WILL BE FOR 3 TIMES THE AMOUNT OWED. THIS HAS BEEN VERY TROUBLING FOR ME. IN TOTAL THIS PROCESS HAS TAKEN ALMOST 4 YEARS.
|
| 06/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
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|
Web |
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I have been repeatedly called my a company who has left voicemails stating that it was an alert message notification and that I needed to call XXXX to provide my statement. I did not return the phone calls. On the morning of XXXX XXXX, 2016, I received at phone call at XXXX from an unknown number. I answered the call. A lady spoke to me and asked me if I was XXXX XXXX and I said yes. She asked if my address was XXXX XXXX XXXX XXXX and I said no, and then asked what this was regarding. She said that legal paperwork had been delivered to that address for me and since I had not responded they were attempting to get a response from me. I asked what sort of legal paperwork and was told it was a complaint filed with the XXXX XXXX Sheriff 's Office. I said again that I had not received any paperwork. She transferred me to the " legal department '' where a man then picked up the phone. I again verified that the address was incorrect and asked what this was regarding. I was told that it was regarding an account of mine that was in collections and had been transferred to this law firm. He said it was regarding an accounts previously had with XXXX XXXX for the amount of {$1300.00}. He stated that he was going to email me paperwork that would require my electronic signature to agree to voluntary repayment in order to stop further legal action. He asked me to make a verbal agreement on a recorded line to make payments on this account. I told him I would not make any agreement without proper notification and delivery of paperwork. At that time, he told me that he was going to send out the email and would need an immediate response. He listed the name as XXXX XXXX and that his direct line is XXXX. I gave him my email address and was told he would email the document in XXXX mins. He asked me again to verbally agree to payments and I again stated no. At this time, he stated that he wished me the best of luck when we went to court and hung up on me. A few hours later I received an email with an electronic document attached. This document stated that immediate payment of the full amount was due today to prevent further legal action. After the phone call, I determined that I did previously have a joint account with XXXX XXXX with my exhusband that had been sent to collections, however this account has been paid in full. I also researched the numbers listed and have found them to be listed as fraudulent on many websites. The address listed appears to be a motel in XXXX XXXX CA. At this time, I am unsure what I can do to stop the harassing phone calls. I also concerned that these people have my personal credit information.
|
| 05/18/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I am currently working with XXXX XXXX Opportunities aHUD approved agent. We have been trying to lower my percentrate to allow me and my family to keep our home. I have hadseveral hardships over the course of our loan that has put meand my family under financial strain. We have been in the processfor a year and half now. Everything we do seems to be wrong.
They have asked for check stubs, hardship letters, tax information, employer letters, unemployment information, bank statements, and credit reports. We have submitted theses packets at least XXXX over the course of working with HUD. The packet was sent viapriority mail so that they would have a hard copy and and we would have a copyin our records. Everything we send seems to be missing or they can not read it.
We have submitted paystubs again because they can not read what was sent.
This time we have faxed again and submitted a hard copy priority mail.
With a tracking number and signature needed again. Even my Hud agent isbaffled by the way Beneficial has handled our hardship. They have changed our pointof contact several times. When we finally received confirmation thatthey have all documents and they can read them on a XXXX way call.
They change the point of contact and say they need more and now thethe point of contact can not communicate with my HUD agent.
Which is really confusing when she has a XXXX party approval. She is myHUD representative. They even had us fill out XXXX party forms XXXX because theyclaimed that the formed expired even though it says it is good fora year. However, it expired after 6 months. Now they say that it is therepolicy they do not talk with XXXX part reps. That she now has to talkdirectly to Loss Mid directly. Why do the rules keep changing.
Everytime they call or send a letter it states how they want to workwith me and give HUD numbers and then they give us this completerun around. I have come to the conclusion that they think if they keepmaking us jump through hoops and basically giving blood test andnothing is going to work because they think we will just give upour home with out a fight. I love my home and will work hard to keep it.
My percent rate has been a 10 %. I have already basically paid for myhome once and with percent rates as low as they are you think theycould help us as they state every letter and phone call. All I amasking for is a lower percent rate and obviously a lower payment some and my family and keep our home. We are a working family.
I work anywhere from XXXX to XXXX hrs a week. I am not on welfare. I paymy taxes and make donations to those in need. What else dothey need. Please help
|
| 06/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
This issue began with an offer to transfer a balance at a promotional rate of 0 % APR in early XXXX. At that time I submitted a transfer request to XXXX for {$1300.00} and to XXXX for {$1100.00}. In doing so I inadvertently put the incorrect account number on the XXXX transfer request. I contacted HSBC within 24 hours of the request and was told the XXXX bank would reject the payment as no account found and the charge would be credited to back to my account.
As of today ( XX/XX/2020, I have multiple attempts to resolve the issue with HSBC remains unresolved. XXXX still has not received the funds or posted it to my balance in the amount of {$1100.00} and the charge remains on my HSBC account. In addition HSBC completed a second unauthorized balance transfer of XXXX to XXXX without my knowledge or consent to do so. The {$150.00} was rejected as no account found by XXXX and HSBC credited back that charge so I am not concerned about this transaction ( it took about 5 weeks which seemed long but was within the timeframe I was explained.
As of today XXXX has received the {$1300.00} and no other transfer payments, XXXX has posted {$0.00} in funds received by HSBC to my account, and the charges still remain on my HSBC charge account.
Of the many times I spoke with HSBC I managed to have two ( of the dozens of people I spoke with ) submit an investigation into this issue. Approximately three weeks later I received a correspondence from HSBC ( two separate times ). In the corresponding letter HSBC stated they are closing the investigation as payment received by the intended party and included a copy of a check sent to XXXX ( check XXXX ) for {$1300.00}. This charge is not in dispute, I have told them several times XXXX received the XXXX and has posted it to my account. It is the charge for {$1100.00} and {$120.00} they claim was sent to XXXX that has not posted to anything.
I have had several representatives of HSBC tell me they submit payments to XXXX electronically and once they send the funds they have no way to track the payments once submitted. They further informed me once they submit the payment they consider their job complete and if the payment is lost after leaving their custody its an unfortunate problem they can do nothing about and I am expecting to honor my commitment to them. Basically they want to to pay off a debt I received XXXX benefit from incurring. To add insult to injury when the {$120.00} payment I never authorized was rejected by XXXX they sent be a letter including a copy of a physical check they sent to XXXX stating the {$120.00} charge was removed from from my HSBC account.
|
| 02/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I bank with HSBC which is now XXXX XXXX effective XX/XX/XXXX. on XX/XX/XXXX I received an alert from XXXX alerting that I spent an unusual amount of money. When I logged my online Banking with HSBC, My account was overdrawn by {$3700.00}. I notice multiple small electronic Transfers from a Merchant named XXXX-Bill pay . my balance on XX/XX/XXXX was XXXX, somehow this merchant that I didn't recognized manage to steal all the money that I had in my checking Plus overdraft my account by {$3700.00}, I don't have overdraft protection and haven't overdraft my account in 7yrs. when I looked XXXX appears looked like XXXX. When I called XXXX their fraud department informed me that XXXX is not them to contact my Bank report these fraudulent charges. I called HSBC on XX/XX/XXXX and spoke to the fraud department and reported the fraudulent activities on my account. HSBC didn't block this merchant and/or my account until XX/XX/XXXX, which resulted into overdraft amount of {$5600.00}. I was assured by HSBS that they would conclude the fraud investigation before the merger and I should get my money back. on XX/XX/XXXX when I notice HSBC didn't refund my money I called HSBC, after 1hr wait, the rep that I spoke to told me the person working on my fraud case is not available. on XX/XX/XXXX when HSBC changed to XXXX bank, I went in person to a XXXX bank to find out the status of the fraud investigation. I was told that HSBC never forwarded or alerted XXXX bank that I had an open fraud case prior to the change. XXXX bank told me to contact HSBC and also I'm not the only former HSBC customer who walked into a XXXX XXXX that were victim of Hacking or electronic fraud right before HSBC the changed to XXXX bank. The branch Manager at the XXXX ban even admitted to me that during the merger that fraud department at HSBC were not doing their job. he advised me to keep trying to reach HSBC. when I call HSBC their automated system tells me to call XXXX. when I call XXXX they tell me to call HSBC. I had direct Deposit and before i could stop my direct Deposit, the HSBC/XXXX bank kept my paycheck from work to cover the overdraft on my account. I have incurred late fees because I am not able to pay my bills. I have had to use my credit card to buy gas and food my special needs child. I even received letter dated XX/XX/XXXX and XX/XX/XXXX from HSBC informing that my account is overdraft. My account is overdraft not by be but because HSBC allowed this to happen. I don't have enough money to hire a lawyer to help recoup my money. I just need help to get HSBC/XXXX bank to do the right thing and refund these fraudulent charges.
|
| 05/06/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
I recieved a letter from HSBC bank in the beginning of XXXX regarding dormancy on my online savings account. I called a representative at the bank who informed me my account was locked and I needed this letter/form notarized and returned to them to re-open the account. I requested that once my account was re-opened I wanted to close it and the sum of the account sent to me in a check. The representative said to just note this on the notarized form and a check would be mailed to me. I sent this notarized form along with my written request to then close the account and mail the check to me on XXXX XXXX. Several weeks later, I did not recieve a check so I called again in the middle of XXXX at which time I was told my address on the account was listed as an old address ( I argued that this could n't be the case as I received correspondence - including the dormancy letter to my current address ). Nontheless, my address was changed over the phone and I was told I would receive a check. 2 weeks later, I still had not received a check. I therefore called on Thursday XXXX/XXXX/15 and spoke to a representative then supervisor. The supervisor told me he was going to review the previous calls as they had been misleading and that a check would be XXXX overnighted to me on Friday XXXX and that I would recieve it no later than Tuesday XXXX. On Tuesday late afternoon, I had still not received a check so I called again. I spoke to a representative who told me my account was listed as " pending closure '' which meant a check was on it 's way. I asked to speak with a manager, she told me all the managers were in a meeting and requested I call back after XXXX. This was unacceptable to me so she got a manager out of the " meeting ''. The manager ensured that a check was on it 's way. I asked her to give me the XXXX tracking number, it was XXXX and she said the department that handles that closes at XXXX so they were gone. When I informed her it was not yet XXXX, she put me on hold but said she could n't get anyone. She told me the manager I spoke to on Thursday XXXX would be in tomorrow, XXXX and could get than info and call me with the tracking number. She verified my phone number and said he would call at XXXX on XXXX ( today ). No one called, so I calld today ( XXXX ) at XXXX. I explained that the manager was to call me and was told that that particular manager was n't working until XXXX today! I asked for the XXXX tracking number but am now told a new check was sent out yesterday via standard mail. I requested that a new XXXX get sent out via XXXX so it could be tracked but am told this can not be done.
|
| 09/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
Dear Sir, On Friday, XX/XX/XXXX my wallet ( CCard, debit card & XXXX DL ) was stolen and subsequently money was taken out of my chequing account via debit card purchases at XXXX & XXXX ( over {$2600.00} in total ). Police reports were made to the XXXX XXXX Police Dept ( city where wallet was stolen ), and to XXXX XXXX Police Dept ( city where the frauds occurred ). Videos of the person ( s ) using the cards are available at the respective stores but will not be released to me, awaiting PDs collection, On Monday XX/XX/XXXX, I realized the Debit Card was frauded ( debit card used fraudulently on XX/XX/XXXX ) when I checked my account and immediately reported it to HSBC Fraud Dept. Note that I was immediately informed of a fraud situation by HSBC for my stolen Credit Card on XX/XX/XXXX itself, but could not stop the transaction of over {$810.00} on the Credit Card. A transaction of {$820.00} on the credit card was stopped however at about the same time. That said, I was not informed of the debit card situation on the XX/XX/XXXX by HSBC, which was frauded within about a 30 mins timeframe from the Credit Card.
I have been working with HSBC Fraud Department ( contact as below ), primarily with XXXX XXXX, since XX/XX/XXXX. Since then, I have provided HSBC Fraud Dept with both the police reports, and have had numerous conversations with their CS Fraud Reps, and with XXXX ( over 5 calls, possibly more ). They have records of the conversations in their CS logs. Many excuses were raised as to why they are not moving on the case and refunding me the money on this case, the bottom line after many conversations, they are waiting for the PDs to " do something '' with the case - unfortunately, it seems like the PDs are ignoring this case and are not investigating for whatever reasons. I am stuck between the PDs and a huge bank that does not seem to care to want to take care of the fraud situation but is sitting on the case, seemingly to wait for the time to expire.
I would appreciate it if you can help as I do not have any more data to provide HSBC as to my innocence - unless I am lying in the police reports, which I am not, and the videos should demonstrate that, I do not see what else I can do on my end, with both the PDs and HSBC.
The contact/address for HSBC is as follows : HSBC BANK USA Fraud Claims & Recovery XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX ( apparently if you hold on, you can get to an operator ) Investigator worked with : XXXX XXXX ( XXXX I am attaching the police reports with all the relevant details accordingly in the reports and supplemental report.
Thank you for your help!
|
| 05/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I am a XXXX. I own block/lot # XXXX in the City of XXXX, New York. I use my social security and retirement benefits to pay my mortgage.
My mortgage companies are HSBC Bank USA , N.A . ( mortgage co. ) and XXXX ( servicer ). I pay a monthly amount into escrow for my mortgage. They are supposed to use that escrow account to pay my property 's taxes and insurance.
In XXXX, I had received notification from the City of XXXX that XXXX taxes were in arrears ( attached ). In XXXX XXXX, I sent XXXX the bills, and I also wrote them several letters ( attached ). After no response, I filed XXXX complaints with the Consumer Financial Protection Bureau in XXXX XXXX ( Case # 's : XXXX and XXXX ).
I received a letter from the mortgage companies on XXXX XXXX, XXXX ( attached ). It said that according to their records NO TAXES were due on the property. They considered the matter resolved. The letter came from XXXX XXXX XXXX, Asst. Vice-Pres. of HSBC ( attached ). Therefore, your Bureau took no further action.
However, on XXXX XXXX, XXXX the City sent me another letter stating that the XXXX taxes are STILL in arrears ( attached ). Also the City is charging fees. The City has placed my home on the list of in rem foreclosures! The City will sell my house, and will not take the property off the foreclosure list until the tax is due. The City says it sent XXXX several letters since XXXX XXXX, without a response. The City also claims it sent a copy of its XXXX XXXX, XXXX letter to XXXX.
In XXXX XXXX, I again contacted both HSBC and XXXX several times, but as of today the taxes remain unpaid. The City states that it has sent XXXX numerous letters during the XXXX years that the taxes have been due. The City 's letter itemizing the following fees to be paid : {$1200.00} ( back-taxes ), {$440.00} ( late fees ), and {$250.00} ( in rem proceeding costs ).
When I contacted XXXX last month again, they told me they would " research '' the matter. I told them I would NOT pay XXXX XXXX mortgage payment of nearly {$1700.00}, because I wanted to use the money to instead pay the nearly {$1900.00} due in back taxes and fees ( as an offset ). XXXX stated that if I did so, they would begin separate foreclosure procedures against me for not paying my mortgage! So I paid the XXXX XXXX mortgage payment to XXXX. Yet, when I spoke to XXXX again, they said they had " no record '' that any taxes were in arrears! They are claiming they never got any letters from the City.
I need help, before they take my house. I also want to file a RESPA action against the XXXX mortgage companies. I can not continue to endure this XXXX.
|
| 11/17/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been requesting monthly statements and an account payment history of our mortgage from PHH, to be mailed to us for over 3 years now with no resolution. My husband and I filed for Chapter XXXX Bankruptcy in XXXX XXXX. Even though our mortgage is not included in our XXXX XXXX payment plan ( we pay on our own ), the PHH representatives that I have spoken with have all told me they can not send us monthly statements because we are " in a bankruptcy ''. I have told everyone that I have spoken with at PHH that I am still a customer that deserves the right to have monthly statements sent to us like any other customer. Even with giving them permission to send monthly statements, they will not. The only written correspondence we receive from them is our annual escrow analysis, which I might add is in a surplus of over {$2000.00} and has been since XX/XX/XXXX. When I first received the escrow analysis notifying us of this surplus back in XX/XX/XXXX, I called PHH to inquire on how this surplus will be released to us. I was informed again that because I am in a Chapter XXXX Bankruptcy they can not release the funds. When I received the escrow analysis in XX/XX/XXXX it again showed a surplus of over {$2000.00}. I called PHH again advising that I am requesting this surplus to be released to us. Again I received the same response from the PHH representative. And the same response again when I received the escrow analysis in XX/XX/XXXX. In addition, every time I speak with a PHH representative, I am told we are behind in our mortgage. I tell them every time I would n't know that I am behind because they have n't sent me a monthly statement in over 3 years!!! Every time I inquire with a PHH rep as to how much we are showing as delinquent, the amount varies drastically. The last rep I spoke with on XXXX/XXXX/XXXX advised me that we are behind over {$5000.00}. I know between XX/XX/XXXX and XX/XX/XXXX we have missed 2, possibly 3 at the most, payments, but it is no where near {$5000.00}! I should mention that I also request a payment history be sent to me every time I speak with a PHH rep as well and even though they all promise me that one will be mailed to me ( I guess they can send payment history even though I am " in a bankruptcy '' ), but they never send it. I have advised PHH that I need written clarification on the actual amount my mortgage is behind and once that amount is validated, I want all of the entire escrow surplus to be applied to that delinquent amount. PHH has advised me that I can not apply our escrow surplus to the delinquency amount because we are " in a bankruptcy ''.
|
| 08/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had a XXXX mortgage with HFC Beneficial, I was involved in a dispute with them regarding the handling of the loan and the terms, but I had worked out a temporary solution to this and was making scheduled, agreed upon payments with them on time. I was told by them XX/XX/XXXX that they had " written off '' my loan XX/XX/XXXX ( even though I was making on time payments ), they would not give me any further information. I was contacted approximately 6 months later by XXXX XXXX XXXX saying that they were now handling the loan and demanding payment in full. When I spoke with a supervisor ( XXXX ) XX/XX/XXXX, he said my only option was to refinance my house and pay the debt off quickly so that it would n't appear on my credit. He says that even if I pay it out, it will show on my credit as a bad debt until it is completely paid off ( even if I make on time payments ). My understanding is that at the very least, they should allow me to continue to make my payments as per my original agreement with HFC. No one at HFC will talk to me about any of this because they " wrote off '' the loan.
Some notes about the original loan : I was " Bait and Switched '' into a high interest rate and points when I took out the loan ( XX/XX/XXXX ). I was XXXX and XXXX at Beneficial in XXXX NY told us we could borrow the money for 8 %, no points, over the next weeks he put us off and crept the interest up a little, then after my daughter was born and I had been out of work for a few weeks and he knew he had us hooked and too busy to change servicers, he jacked the rate to 12 % and added the points. We should n't have accepted it, but we were stressed and I thought I could refinance it easily soon after. this did n't work out.
When my XXXX child was born she had to be in a XXXX 2.5 hours away from our home for over a month and we financially fell apart for a few years. I worked with HFC to lower the interest rate, and got a lot of run around, but caught up with the new payment terms/plan. This agreement with them had to be renewed every 6 months, they always made this very difficult making me send in paperwork multiple times etc.
The year the loan was " written off '' I was in contact with them regarding lowering the interest rate for the rest of the term of the loan and questioning the way they were calculating the interest, ( I have basically made no progress on principal in all this time ), they made communication extremely difficult and never addressed my concerns, I believe they passed the debt on because they knew they were in the wrong.
I would appreciate any help you can give us with this.
|
| 04/21/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
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In 2011, I was placed on XXXX due to a work related issue. The XXXX lasted for approximately 8 months. Upon being able to return to work, I was fired the following day and remained unemployed for an additional 3 months. I was making a significant salary at that time and also on an adjustable mortgage plan. During my XXXX/unemployment I was struggling to maintain my mortgage payments and became late. XXXX more month of being delinquent, I may have faced foreclosure. Thankfully, I regained employment but my salary was reduced by nearly 10 % in addition the commute was quite distant. On or around this period, my adjustable interest rate with HFC went up by nearly 50 %. I contacted HFC and requested assistance. HFC only granted temporary modifications at 6 month increments. My last time requesting for a modification, I was denied and told that I have exceeded the maximum amount of modification requests and advised that I can reapply in a year and I would be eligible once again for loan modification. I waited patiently and one year later, I reapplied and I was denied. I appealed the request stating that I was advised that I would be eligible after a year but my appeal was denied. The only XXXX options I was given were either a Short Sale or Deed in Lieu of Foreclosure. I turned down those options because I DO NOT WANT TO LOSE MY HOME! After struggling to make my mortgage payments, I tried to refinance my loan but was denied because I am underwater with my loan and my loan to value was not good. I was then referred to XXXX, XXXX for assistance. I worked with XXXX and they submitted my refinance request to HFC. Again, HFC denied my modification request and this time for different reasons. I was again only given XXXX options, either a short sale or a deed in lieu of foreclosure.
During my time trying to work with HFC on refinancing my loan I was also told that they do not do modification loans in addition, do not have to comply with the Obama mortgage rescue plan.
I am seeking your assistance in hopes by filing a complaint to HFC of their unfair acts with mortgage rates. Currently my XXXX mortgage rage is 7.59 % and my second just went up to 10.15 %!!! It 's sickening and absurd that mortgage companies are allowed to do this to consumers, knowing that they are stuck between a rock and a hard place and can not get out of their contract with them. HFC is very aware that I am underwater and my LTV is too low that no other bank will refinance my loan so they are taking advantage of a long time customer with a high interest rate and knowing that the current market rate is between 2-4 %
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| 10/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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Dispute with HSBC credit card company ... ... ... ... ....
In re : Credit Card Account ending XXXX ( original account ) In re : Credit Card Account ending XXXX ( new account opened after fraudulent charges on XXXX ) Some quick background. In XX/XX/XXXX, the balance on account XXXX was {$0.00}. Then, in XX/XX/XXXX, two fraudulent charges were made on the card for {$100.00} and {$53.00}. HSBC investigate those charges and found them to be fraudulent. ( Note : HSBC confirmed that in a letter to me dated XXXX, XXXX, XXXX ).
That should have been the end of the story. I have not made any charges to either account XXXX or account XXXX since XX/XX/XXXX when my account balance was {$0.00}. At this point, neither account should show a balance.
However, I received a letter from HSBC collections department dated XX/XX/XXXX stating that there was a balance owing on account XXXX and that I should give them a call if I had any questions. I called in and reached XXXX in the Collections and Recovery Department. She reviewed my accounts and confirmed that both accounts should be at XXXX and that she would be adding notes to the accounts reflecting her determination. She could see that the accounting mess up occurred around XX/XX/XXXX when the new card XXXX was open up. It looks like the credits for the two fraudulent charges were applied to account XXXX, leaving the fraudulent charges on account XXXX. The credit applied to XXXX was never sent out to me, only a credit check for some misapplied late charges and interest.
In closing, as I mentioned to XXXX, I have had to spend way to much time with HSBC over the past 10 months trying to resolve this issue. She agreed and apologized on behalf of HSBC commented that it was a mistake on HSBCs part and that I definitely do not owe anything on either card. However, when I go online and check my accounts at HSBC, I can see that there is still a balance owing on account XXXX with multiple late charges being applied.
To summarize : -- {$0.00} balance on account XXXX in XX/XX/XXXX -- Two fraudulent charges in XX/XX/XXXX of {$100.00} and {$53.00} -- New account XXXX opened and original account XXXX closed -- HSBC Fraud Department investigation into above charges determines that they are fraudulent and that I am not responsible for the charges -- I have made no other charges on either card XXXX or card XXXX since the two fraudulent charges were made in XX/XX/XXXX -- Ending balance on card XXXX should be {$0.00} -- Ending balance on card XXXX should be {$0.00} Thank you for your help.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
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| 04/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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OnXX/XX/XXXX, I purchased a Model XXXX washer/dryer unit ( Order ID [ redacted ] ) for {$1700.00} from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, New York. To be clear, the product comes assembled as a single piece and must be used together.
XXXX XXXX was the Kitchen/Bath Appliance Specialist who helped me with the purchase. The product was delivered to my home where it was installed.
On XX/XX/XXXX, my curtain became stuck under the spinner of the washer portion of the unit. I noticed something was wrong due to a burnt smell coming from the machine. Immediately, I stopped the machine.
I called XXXX XXXX XXXX and the salesman was rude to me and referred me to XXXX. I asked to speak to the store manager, XXXX XXXX, and was told that he was unavailable. Eventually, a technician was dispatched and he assessed the situation. He called XXXX and they advised him to cut the spinner with a saw. The technician was incredulous and advised XXXX that he didn't have a saw and even if he did that he wasn't sure that it would fix the problem. We are not in agreement that anyone should come and damage a brand new machine ; it doesn't make sense. The machine is defective and a fire hazard ; that is the opinion of my husband who was a volunteer XXXX for 19 years. The reviews for this model on XXXX own website also show numerous consumers who have had similar issues with this model. Please find enclosed all documentation relating to this matter.
We have made repeated requests to XXXX XXXX XXXX to remove the machine and they have refused. I have spoken to XXXX, a manager at XXXX XXXX XXXX several times without a solution. I have contacted XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to no avail. They keep referring me to XXXX, the manufacturer of the product. I have been in contact with XXXX from XXXX Consumer Relations but they have not been able to guarantee that any repair attempts would solve the issue and that we wouldnt have a repeat issue. XXXX also would not agree to accept responsibility if there were any loss of life or injury based on its defective product.
Now, we are risking exposure to COVID-19 by doing laundry in a local laundromat.
OnXX/XX/XXXX, the credit card company, HSBC, issued a credit in the amount above but then later reversed course. HSBC asked for a narrative, which we provided, twice, with no response or acknowledgement of receipt from a company representative. Furthermore, the XXXX XXXX has not replied to the New York State Division of Consumer Protection 's inquiries regarding our case.
|
| 05/08/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
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Web |
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XXXX XXXX XXXX XXXX ( Beneficial ) is in violation of the New York State Real Property Actions and Proceedings Law ( RPAPL ) 1921 and New York Real Property Law ( RPL ) 275. These laws require a mortgagee ( Beneficial ) to execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days. Failure of the mortgagee to do so entitles the borrower to a penalty based on when the satisfaction was recorded. The amounts are {$500.00} for satisfactions not recorded within 30 days, {$1000.00} for satisfactions not recorded within 60 days, and {$1500.00} for satisfactions not recorded within 90 days. Beneficial has negligently failed to execute a satisfaction/discharge of mortgage and have the satisfaction/discharge recorded on the following mortgages which are now erroneously recorded in the XXXX XXXX XXXX XXXX in XXXX XXXX, New York : XXXX, XXXX and XXXX ( see attached listing ). In a letter dated XX/XX/XXXX, Beneficial states, The loan was sold and transferred to XXXX effective XX/XX/XXXX. XXXX states in a letter dated XX/XX/XXXX, XXXX XXXX XXXX XXXX is the Noteholder of the account, and XXXX is the mortgage servicer. If the loan was sold, as Beneficial states and XXXX confirms, Beneficial is no longer the Noteholder and has no legal security interest in the mortgages and therefore, should have executed a satisfaction/discharge of mortgage for each mortgage they previously and erroneously recorded in XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. If the erroneous mortgages were transferred/assigned to XXXX, as Beneficial also states, I have yet to be provided an actual copy ; although previously requested, which legitimizes such transfer/assignment, including a copy of the actual proper and legal endorsements by Beneficial to XXXX, or whomever they allegedly sold and transferred the mortgages to. Not a prefabricated form letter that states the mortgage has been sold/assigned/transferred, without any accompanying documented evidence, which serves to prove which party owns the alleged debt and therefore may bring a foreclosure action. In addition, to date, there has been no proper written format of a document and recordation of such document, which provides notice to the public of an effectuated assignment. I am entitled to such copies and verification, if it exists. The negligent actions of both Beneficial and XXXX remain unconscionable during the ordinary course of business, which leads to further harm to the consumer. It is now going on six months since Beneficial has sold and transferred the aforementioned mortgages without adhering to established law.
|
| 04/20/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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The following company listed below is calling and threatening to file suit on a debt that is not owed. They claim they are collecting on behalf of HSBC and are attorneys, when they clearly are not a law firm. They use threatening language and clime they do not need to abide by the FDCPA. Clearly, serious action must be taken against this firm.
XXXX XXXX XXXX XXXX, XXXX AKA XXXX AKA XXXX
Posted in : XXXX XXXX XXXX Web site lists the address in Florida : XXXX This place is also using the same address : XXXX XXXX gives them a D+ with XXXX complaint : XXXX XXXX is not registered with the Florida Dept. of Financial Regulation as a collection agency which means they are illegally operating as a debt collector.
XXXX. XXXX says they are only in business since XXXX XXXX, XXXX which means they have been trying to steal money right from the start : XXXX XXXX XXXX XXXX, XXXX Filing Information Document NumberXXXX XXXX/XXXX XXXXE Date XXXX Effective XXXX StateFL StatusACTIVE Last EventXXXX XXXX Event Date XXXX Event Effective DateNONE Principal Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Registered Agent Name & Address XXXX, XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, FL XXXX Authorized Person ( s ) Detail Name & Address Title XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Here is the XXXX info for their web site : XXXX XXXX XXXX Updated XXXX second ago - Refresh Domain Name : XXXX XXXX : XXXX
Sponsoring Registrar XXXX ID : XXXX XXXX Server : XXXX Referral URL : XXXX : XXXX Name Server : XXXX Name Server : XXXX Status : clientTransferProhibited XXXX Updated Date : XXXX Creation Date : XXXX Expiration Date : XXXX medicalinvestigations.com registrar XXXX Updated XXXX second ago Domain Name : XXXX Registry Domain ID : XXXX Registrar XXXX Server : XXXX XXXX URL XXXX Updated Date : XXXX Creation Date : XXXX Registrar Registration Expiration Date : XXXX Registrar : XXXX
XXXX XXXX ID : XXXX XXXX Contact Phone : XXXX Reseller : Domain Status : clientTransferProhibited XXXX # clientTransferProhibited Registry Registrant ID : Registrant Name : XXXX
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX : XXXX : XXXX XXXX XXXX : PA XXXX XXXX XXXX : XXXX Registrant Country : US Registrant Phone : XXXX Registrant Phone Ext : Registrant Fax : XXXX Registrant Fax Ext : Registrant Email XXXXXXXXXXXX Registry Admin ID : Admin Name : Support, Technical Admin Organization : XXXX
|
| 10/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Submitting a complaint about the rediculous lack of response I am getting from HSBC. I tried to open a new checking account ( my first banking relationship with HSBC ) with HSBC, making my initial {$500.00} deposit on XX/XX/XXXX, and then roughly {$3400.00} was deposited 2x/month via direct deposit starting XX/XX/XXXX, meeting the terms of a new account promotion offered by HSBC. Note - it took about a month from the time I requested the new account before it was created for me - not fraudulent, but really bad service. This in itself may be worth looking into as I dont know if there is some sort of accounting advantage related to how they time recognizing new accts. I inquired about when the new acct premium would be applied, and they sent a secure message on XX/XX/XXXX noting it takes 8 weeks to apply after earned. I gave them ample time to confirm I had met all requirements, and allowed 8 weeks, when I re-inquired in XXXX about the status of my new acct premium. I received a secure message on XX/XX/XXXX that they submitted my inquiry to their " Campaigns & promotions '' department for review and would need 7-10 biz days to compete their research. it is XX/XX/XXXX today ; how are those 7-10 days looking? I've reinquired every month, and received secure messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XXXX, with each referring to some area of their company working on this. This is a simple research exercise - what were the terms of a promotion that was in effect, and did the customer meet those terms - if no, explain you are sorry and why you cant award the premium ... ..if yes, apologize for the delay and award the premium. This is not hard, and this is not a small company. I must therefore conclude that this company is purposely delaying awarding the {$750.00} new account premium that is due, and there is no reason to believe they are singling me out - this is likely happening to many customers who observed HSBC 's offer, responded and complied in good faith, and are now either battling to get the award they were promised or have simply given up and have been cheated out of what they earned. HSBC makes too much money to nickel dime customers this way, and I'm hoping the CFPB can impose its will to review their new account award advertising, fulfillment, and research processes as you may find gross sloppiness, but I suspect you will instead find proceduralized fraud. I thank you very much for any support you can provide in this effort, both for the fraud I have encountered, and that which I am very confident is happening to other HSBC customers.
|
| 07/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
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On XXXX, XXXX I opened an account in HSBC bank, XXXX branch, CA. I was told that I would receive my debit card after 2 weeks.
My husband transferred me {$10000.00} from his account in another bank. We checked that money was deposited on XXXX, XXXX. After that, since I didn't receive my debit card I never logged in my account or whatsoever.
On XXXX, XXXX I logged in my mobile app and realized that all {$10000.00} was gone. The activity started on XXXX, XXXX and last transaction was on XXXX, XXXX. I have never received this debit card, never activated, never knew what was going on.
I immediately reported this situation to the fraud investigation department on XXXX, XXXX. They closed my card and told me that they needed to investigate this matter. I asked if I needed to do anything else, they said no.
On XXXX, XXXX I called the fraud investigation department to find out the case status and was told that I should have filed a police report and USPS claim about mail theft. One more time, on XXXX, XXXX I was told that I didn't have to do anything. Besides that, the person I was talking to thought that only several transactions were fraudulent, not the entire activity with the account.
On XX/XX/XXXX I called the investigation department to provide with the police report number and they told me that I need to give them the detective 's number and his contact information as well. So I gave them police report number and said that would call later with additional information.
On XXXX, XXXX I called the investigation department to give the contact information of the detective who's been assigned to my case and found out that the police report number is not in my file. And they don't know again about entire fraudulent activity with my account.
Eventually, I submitted the detective 's contact information to the fraud department.
The entire time I was feeling that nobody wants to work with me to resolve this issue, I was never contacted, I had to call and email all the time trying to find out what is an update on my case.
Today on XX/XX/XXXX tenth day of investigation I called the fraud department and was told that my claim was denied. They also said that I need to go to the branch to view the photos of the person who was using my card. I do not understand why my claim was denied, I have nothing to do with any of the transactions with my account, I have never had possession of this card. I requested my claim to be reopen and {$10000.00} to be credited to my account.
The bank also refused to provide me with the credit during the time of investigation.
|
| 05/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I initiated 2 ACH outgoing transfers for {$50000.00} each.
Meaning {$50000.00} twice + {$100000.00} would go out from my account on XX/XX/XXXX into another institution!
I also called a rep to make 100 % sure I did everything right, and was told all is good and it'll leave same day since it was initiated before XXXX Im summary, after the {$100000.00} leaves my account I would only have a few hundred dollars left. However at night a fraudulent judgement ( I never got served, and I have proof I paid for the debt ) took out {$75000.00} from my account causing me to XXXX and take XXXX steps which were prevented by a family member.
I called HSBC informing them it's fraud. But there's no one to talk to which is common in the banking industry!
What HSBC failed to understand is when a judgement is entered into your account, they can only take the amount that's in the account, even the judgment is for more that doesn't mean the account can now go negative just to satisfy the judgement.
In my case HSBC first canceled one of my {$50000.00} outgoing ACH on the assumption it's a mistake, although never called me to ask. Then the {$50000.00} ACH did out out, but only one time {$50000.00} ( and HSBC is fully liable for canceling the 2nd ACH ) and after the {$50000.00} ACH went out from my account this fraudulent default judgement for {$75000.00} went out from my account and HSBC honored it which as a result caused my account to become NEGITIVE. And as a result of my account being negative HSBC suspended my account, my line of credit and my credit card ( which will have a bad impact on my credit ). Then I called HSBC they said the ned to verify my identity and requested identification I TOLD THEM THAT I ALREADY SEND IN ALL THOSES THINGS WHEN I OPNED THE ACCOUNT, AND THEY SAID THEY DON'T HAVE IT so it's good to have on record that HSBC violated the patriot act, and only LATER requesting documents to comply with KYC.
And as I write this, I have this fraudulent {$75000.00} out of my account, my account is restricted, line of credit restricted, credit card doesn't work, and I have no idea what's going on, the representatives don't even want to tell me my balance, their accusing me of fraud instead of protecting me in such a situation.
AND WORSE OFF ALL, IF HSBC WOULD HONOR MY TWO ACH REQUEST I WOULD OF NEVER LOOSE THIS {$75000.00} ( I might anyways not loose it, as I'm taking an attorney to fight this fradulent t judgement, but unril then I'm out {$75000.00} and this would of never happened of they honored their duty to fulfill my ACH transfers
|
| 09/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
My credit card was blocked by HSBC while i was having my vacation in XXXX. I have made a complaint regarding this issue and CFPB has closed the case after the company responded. However, I am very disappointed and dissatisfied with the respond and answer given by HSBC.The previous complaint case is XXXX.
I have received the HSBC replied letter on XX/XX/2018 and followed their instruction by signing and sending back the document on XX/XX/2018. On XX/XX/2018 I finally received a call from HSBC which mentioned that their call was to unblocked my card. The staff verified me by asking me some questions and i got transferred again and put on hold on the line for more than half an hour. They're really treating their customer as XXXX by transferring here and there. Finally, my card was unblocked after i made a call on XX/XX/XXXX again which i have to gone through another round of verification.
I totally dissatisfied with services and treatments that HSBC ( who claimed they're world class bank ) treating me. Firstly, before HSBC approve my card, isn't the company has done all the necessary verification and checking? As a huge and world class bank, i have doubt their policy and compliance. Secondly, If i did not made a complaint through CFPB, I think my card still is under status blocked which nobody from HSBC cares. Consumer like me is totally disappointed with this kind of treatment. Thirdly, from the letter that HSBC replied that they mentioned they unable to compensate me the bonus points as it is still under the promotion period which ends XX/XX/2018. This is totally unfair to me as the promotion period supposedly to be three months. However, HSBC has blocked my card and do not care to take up my case for more than two months. Yet they replied me that my card is still under promotion which is from XX/XX/XXXX where my card was finally got activated until XX/XX/2018. How ridiculous is this. Last but not least, I was unable to shop and buy the items i wanted during my vacation in XXXX. It was really a very negative memory and disappointed two weeks vacation which i have to kept calling the so called word class bank and spent on my limited cash on hand.
In addition, if the HSBC has done their checking and compliance properly, on XX/XX/2018 I could have spent more than XXXX dollar at the XXXX outlet. Which means, I have qualified for the bonus points on XX/XX/2018 and I have the evidence that I got rejected due to my card was blocked. It was so embarrassed that I kept trying and got rejected in the jewelry shop where everyone looking at me.
|
| 03/13/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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The following is in response to XXXX XXXX XXXX ( XXXX ) response ( XXXX ) dated datedXX/XX/XXXX and Beneficial 's response ( XX/XX/XXXX) dated XX/XX/XXXX. Please allow me to outline my continued unresolved issues/concerns and provide additional indisputable documentation of XXXX XXXX and Beneficials fraudulent activity and misrepresentation. First, both XXXX and Beneficial assert the property address associated with the alleged note and mortgage as XXXX XXXX, XXXX, NY XXXX. My deceased father 's last address was XXXX XXXX XXXX XXXX, NY XXXX. However, in the past this property was assigned the following addresses over the fifty years he lived there. They include : XXXX XXXX XXXX XXXXg, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; and XXXX XXXX XXXX XXXX XXXX, NY XXXX and lastly, XXXX XXXX XXXX XXXX, NY XXXX. XXXX NY is a village in the town of XXXX, NY XXXX. Secondly, Tax Map # XXXX also associated with the alleged mortgage does NOT represent a single property. It consist of multiple parcels ( 3 ), including Deeds XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX) and XXXX ( XX/XX/XXXX ). The only affected Deed, as described in the alleged mortgages, is XXXX ( XXXX ) consisting of approx. .25 acres. My deceased father 's residence is not located on this parcel. His residence is located on associated Deed XXXX ( XX/XX/XXXX). This is all verified by the attached document which includes a very detailed title search report conducted by XXXX XXXX XXXX. The documentation is indisputable and proves the fraudulent and misrepresentation XXXX and Beneficial continue to perpetrate. XXXX ( AKA XXXX XXXX XXXX XXXX ), Beneficial, or any other associated entity has never had, or have, a security interest in my deceased father 's personal residence, which is located on a parcel totally unassociated with the alleged mortgage. See attached documentation for verified proof. Not only has Beneficial misrepresented the facts when they sold the alleged note and mortgage to DJL, XXXX continues to threaten legal action against my father 's estate ( foreclosure, forced placed insurance, etc. ) Furthermore, XXXX XXXX XXXX XXXX and XXXX defrauded investors. They have securitized this alleged note and mortgage, without the required due diligence, and continue to misrepresent the facts to investors, by claiming they have a security interest in a property in which they absolutely do not. This misrepresentation is both unconscionable and despicable. Their actions need to be addressed with appropriate consequences.
|
| 02/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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Sadly, this is a continuation of closed CFPB Case # XXXX, also submitted by me. That case was closed as HSBC committed to fixing the issue, but they have failed to do so. The issue is that HSBC US failed to honor its committment of a new account reward for opening a checking account back in XX/XX/2020. As noted in my prior complaint, I interacted via HSBC 's chat feature so confirm that I would be eligible for a {$750.00} new acct premium so I opened a checking acct, deposited {$500.00}, and switched my direct deposit to HSBC. Those actions would meet the requirements. Subsequently, HSBC never gave me that new account premium, and each time I sent a secure message to them ( provide in my last case ), I got a, " we need time to research '' response - this went on for months. After i complained to the CFPB, they responded that they couldnt connect my new acct to a premium offer ( which is rediculous, and sounds like UDAAP ), but that they would fulfill the reward within 4 weeks. here we are again, a few months later ... .no credit from HSBC , ad I almost lost it when the response I got to my last inquiry about when the credit would post with a notification that I am not eligible for a promo offer. Not sure if HSBC is harshly deceptive ( this has to be fine-able ) or just truly clueless and cant keep their commitments ( still unfair to customers,. and warrants further investigation ). There is likely a much bigger issue here worthy of at minimum an audit of their promotion communicationa nd fulfilment practices. For my personal case though, i want this resolved with them honoring thei new acct premium of {$750.00} which I orignially applied for, or if necessary, then the {$700.00} max promo which they alleged was the only premium I was eligible for ( my direct deposits were large enough I would have maxed out that $ XXXX/month, not to exceed a total of {$700.00} they communicated in their response to you last time ). I won't accept less than {$700.00}, even though they should be made to provide all of the marketing they had in place in XXXX XXXX, and unless they are deceptive in their response to you, there you will see their {$750.00} offer which I originally became aware of through nerdwallet.com. Thank yo uvery much for working with me to have HSBC keep their published new account premium commitment as well as the commitment they made to you and me in their response to the original case. I've had bad customer service frpom companies before, but this absolutely, and easily, sets a new low. thank you again for your help. XXXX XXXX
|
| 06/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
HSBC closed checking account without any reason and refused to issue the bonus for account opening. From my side I made everything to fulfill the offer requirements ( funded the account in right time and amount, connected direct deposit ) Also I have sent requested documents, multiple emails and made a lot of calls to HSBC ).
Whole story : In XXXX, XXXX I opened HSBC XXXX account.It was opened with the following offer " Open an HSBC XXXX relationship with a balance of {$10000.00} or more in new funds and receive a {$350.00} bonus ''. I funded the account with {$10000.00}, later I set up a direct deposit to it. Everything was fine. Sometime in XXXX, XXXX I received voicemails from HSBC and a mail which indicated that HSBC need some documents from me and that account could be closed if I do not provide the information. First, I was surprised why HSBC opened and let me fund account if HSBC does n't have required information. After calling HSBC I had an email from HSBC with a documents request. It was on XXXX XXXX, XXXX. I replied the same day and requested documents were attached. I have never got any kind of confirmation or reply. I sent multiple emails asking for confirmation to that person and to XXXX '. I have never got a response.Sometime later the account was closed and I received a check. I called Customer Service to figure out what is going on. They opened a complaint for me. ). I called HSBC Customer Service multiple times but they said that they are unable to resolve this issue and that I do need to contact executive office. I contacted HSBC executive office and you were unable to explain why no one acknowledged receipt of requested information. You also mentioned that " The Bank also has the right to close your account at any time for any reason or no reason. '' On XXXX/XXXX/XXXX I 've contacted HSBC executive office asking for the above mentioned {$350.00} bonus. As per HSBC response " To clarify, the checking account application was never approved. '' My concern is how HSBC allowed me to fund HSBC Checking account if it was never approved. The transactions to HSBC Checking account ( all accepted ) : XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Initial deposit ) From my side I made everything to fulfill the offer requirements ( funded the account in right time and amount, connected direct deposit ) Also I have sent requested documents, multiple emails and made a lot of calls to HSBC ).
|
| 09/23/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
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Web |
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With only 11 days prior to my next mortgage payment due date on XXXX XXXX, I receive a letter from HSBC, stating that my mortgage will no longer be serviced by " HSBC '' but will now be serviced by XXXX XXXX XXXX. Concerns listed below : 1 ) The letter warns that the mortgage loan number will change but it does not provide the new mortgage number.
2 ) The letter also instructs me to make a payment via mail to XXXX XXXX XXXX by XXXX XXXX.
3 ) The letter states that I should update my bill payment payee but my bank requires an account number and no account number is provided.
4 ) Since a loan number is not provided how will the moneys be credited to my mortgage if I do mail in a payment to XXXX XXXX?
5 ) The letter states that HSBC will not accept payments and if any are received they will be forwarded to XXXX through XXXX 2016. How and where will I see that the moneys have been credited in a timely fashion?
6 ) When exactly will the new mortgage loan number be issued?
7 ) Recently I received an escrow analyses from HSBC asking me for additional moneys to cover a shortage in my escrow account. This particular letter lists an option for paying the difference in XXXX lump sum or by having it spread over the 12 months of payments which is my preferred option. Why does my current statement bill me for an extra {$540.00} and refers to this amount of {$3000.00} as the " regular monthly payment ''? ACCORDING TO THE ESCROW ANALYSES THE REGULAR MONTHLY PAYMENT IS {$2500.00}.
8 ) Lastly, I 'd like a current amortized statement inclusive of all payments sent to HSBC since the mortgage service changed hands to XXXX and indicating how many outstanding payments remain.
Given the poor ratings XXXX receives on all consumer websites I am very concerned about this change. The number one complaint is that payments are not accepted because XXXX does not recognize the account numbers.
What are my options and why is this change taking place without sufficient notice? Eleven days for a change of this magnitude is not sufficient time. Frankly the suddenness of this whole change is rather predatory.
I requested from HSBC to revise the regular monthly payment to what was shown on the escrow analyses in the amount of {$2500.00} rather than the {$3000.00} shown on the XXXX XXXX statement which is incorrect.
I spoke an HSBC representative who assured me the payments would be adjusted but I have not received a new statement to reflect this and I also have not received the letter from Nationstar informing me of the new account number.
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| 08/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We have our primary mortgage with HSBC, which is being service by XXXX XXXX. We have a contract to sell our house, and would like to close soon. I first contacted XXXX XXXX on Friday XX/XX/21 to request a payoff letter. I was told that it would take a few days to prepare, because my loan had been subject to a modification last year with the pandemic crisis. I said fine, no problem. But then 12 days elapsed without receiving a payoff letter, so I finally called again on Wednesday ( XX/XX/21 ) to request the document be expedited.
After three phone calls on Wednesday requesting the document, I finally received a payoff letter from XXXX XXXX late Wednesday afternoon. Upon reviewing while I was the phone with one of their representatives, I informed XXXX XXXX that I objected to two amounts listed on the payoff letter : the Recoverable Balance of {$4900.00}, and the Property Inspection Fee of {$130.00}, for a total objection of {$5100.00}.
I was told that somebody would call me back on Thursday ( XXXXXX/XX/21 ) to discuss, which never happened. I finally called Thursday afternoon hoping to speak with a supervisor at XXXX XXXX, and was told that I have to send an e-mail to XXXX, which I did. Quite frankly, it appears this was a continued effort by XXXX XXXX to run out the clock ( before the closing on the sale of my house ), without addressing my concerns.
Last XXXX, when I was told our loan modification was approved ( again, due to the covid pandemic ), it was my understanding that all past fees and expenses were to be waived, which would have included the amount of the Recoverable Balance. I never once previously agreed with this charge, but did not press the issue further, since it was supposed to be waived. Please note HSBC has never documented or supported these charges, but thats really irrelevant at this stage, since all the fees and expenses were to be waived last year.
The Property Inspection Fee first appeared on my HSBC XX/XX/21 statement, for no apparent reason ( since every scheduled monthly payment since my loan modification was activated has been on time ), and despite my repeated efforts to bring this to XXXX XXXX attention earlier this year, this charge was never removed.
Given HSBC ( i.e. XXXX XXXX XXXX will not address or fix this problem, Im now asking the CFPB to help me get this straightened out. The combined charges of {$5100.00} represent a lot of money which I believe are being erroneously assessed and I feel bullied by such a large institution. I need your help. Thanks.
|
| 03/05/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
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|
Web |
Servicemember |
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On XX/XX/XXXX I opened a HSBC Advance Account with a {$10000.00} deposit at the HSBC Milpitas, CA branch. The terms and conditions were discussed and most specially the Referral promotion. I then secured a referral code online per bank instructions.
On XX/XX/XXXX, I referred my husband and he opened an Advance Account with {$10000.00} and the referral code was presented and recorded by the bank employee. The terms and conditions were explained and we were given a written copy. The bank employee was aware that we have had HSBC accounts previously which we closed in XXXX. We were assured that we met the requirements as the condition was " The individual you refer must not currently hold nor have held in the past 365 days, any consumer account ( including but not limited to deposit accounts ... '' The promotion states a {$100.00} each for the 1st-2nd referral and the referred individual was to get a {$250.00} bonus ( Advance account ). Fulfillment of these bonuses is within 8 weeks from the date the new account is fully funded. See attachment.
In XX/XX/XXXX, I started inquiring about the bonuses as it was past the 8 weeks. I called customer service several times and made personal visits to the bank. Customer service agrees that we qualify for the referral bonuses but the HSBC Milpitas branch manager after 4 weeks of waiting said that the Marketing Department has the final say on this matter and they say that we do not meet the now '3 years ' requirement for previously held accounts ( although it was printed 365 days in the advertising materials posted all over the bank from XXXX to XX/XX/XXXX ). I never dealt with the Marketing Department before or their name mentioned in our conversations when the bank processed our accounts and took our {$10000.00} each deposits. We were never informed that the Marketing Depatment has the ultimate decision over these accounts.
The Marketing Dept could not be reached directly and the bank employees will not provide a telephone number or contact info when we requested it numerous times.
I believe that HSBC has deceptive, misleading and fraudulent banking practices to the detriment of the public consumer. I believe that there are others like us with similar experiences as evidenced by similar online complaints.
I have tried to resolve this problem with them but we have reached a point where an independent federal agency like the CFPB must get involved to make sure the rules are enforced and that banks and financial institutions operate in a fair and honest manner..
|
| 03/11/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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During the month of XXXX and XX/XX/2021 received numerous calls from an unrecognizable number and robocalls from XXXX XXXX XXXX regarding a debt supposedly owed.
Upon speaking to someone on XX/XX/2021 ( first communication XXXX the person informed me that they were trying to collect a debt/loan from HSBC bank. I asked the amount she told me in the amount of XXXX or more. I did ask the date of the debt but I can not recall the timeframe. I asked for account number to the alleged debt none was provided. She asked my PII such as last four of social, my previous residential address, the last four of my drivers license number. I explained to her that is not my debt and never had an account with HSBC. She asked me did I want to dispute it I said yes. She asked would I appear for court and pay all legal fees I said yes because I do not know what this is in reference to. That was it. No other information from this company was given.
2nd telephonic communication on XX/XX/2021 I spoke with a XXXX XXXX. I tried to get more information out of him he told me I would only receive something from XXXX XXXX Court and that it will be received via being served to my place of employment or residence. He also verified my PII ( personal identifiable information ). He gave me an account number and then after telling him again that I did not have an account with HSBC he said he would shoot it back to their underwriter to double check the information and that maybe my information was cross matched with someone else. That process was going to take 7-10 business days. I even asked him why haven't I received anything ever from them or HSBC or the XXXX XXXX court which is the response they hadn't approved the " order '' yet, but then checked a system and said it was accepted on XX/XX/2021.
On XX/XX/2021 I then contacted HSBC in the charge off department to find out if they had any information on me regarding this account via my social security number because I could not get an account number from PT Account Management. HSBC could not find any information but did say that they could find out more if they had the exact account number.
I tried calling XXXX XXXX XXXX again on XX/XX/2021 at XXXX XXXX. Someone answered " mediation '' as they did on previous calls and told me to hold. I held for 8 minutes. They never got back to me. They have caller ID and knows who is calling and I know that because on prior attempts of calling they would not answer and kept forwarding my calls to another extension that no one ever came back to.
|
| 08/25/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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I have been a customer with HSBC Bank for over 5 years now. I have my personal and 3 business accounts with them.
A month ago, I opened up a new business account, because I am in the process of purchasing a property. The purpose of the account I opened is because I am planning to purchase the property under the LLC.
When I opened the account up, I let the manager " XXXX '' know what the purpose of the account was, and that I'll be receiving and sending out wires as needed to complete my purchase and all transactions needed for it.
Today, XX/XX/2021, was supposed to be the day we close on the house. I went into the branch at XXXX XXXX and asked to wire money to my lender 's attorney for closing. The manager on duty " XXXX '' told me that HSBC has this policy that they do not wire money from business accounts from inside the branch, but they can from my personal.
So we decided to move the money into my personal account, so we can process the wire. For wire transfers, they need 2 managers to be able to approve it, and XXXX was the only one in today, so he had to call another branch to get the 2nd approval.
He called XXXX XXXX, the branch manager at the HSBC XXXX XXXX branch. She got on the phone and from the beginning had a nasty attitude, and after a couple of minutes speaking with XXXX, she demanded to speak to me. After answering her questions about the transactions in my account, she denied to release my wire. When I called her out on her bad attitude, she got mad, hung up the phone on me and proceeded to freeze my funds. All of this is completely uncalled for. I have never spoken to or been associated with this lady and she illegally put a freeze in my account.
They have not only frozen my account, but it looks like they have gone ahead and closed both my personal and the LLC account I opened up for the purchase of my house. This resulted in putting me in a terrible situation with the seller of the house I am attempting to purchase. Now I am at risk of losing the house and my contract deposit because of this nonsense they put me through that resulted in my closing being canceled today.
This is absolutely unacceptable treatment. XXXX XXXX needs to be held accountable for escalating a situation that was supposed to be very simple and straight forward. She should not be allowed to handle people and their finances.
I am uploading my contract for the house and Operating Agreement for my LLC to prove that this entire situation has created a huge unnecessary set of problems for me.
|
| 01/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I opened an HSBC US personal checking account in XX/XX/2023 and deposited funds from another US personal checking account in the same name. When I attempted to withdraw the deposited funds back to the original external US personal checking account, all online and mobile banking services became restricted on my account and no customer service member could explain or outline what I needed to do to unlock the account and access my funds. HSBC eventually unlocked my account and allowed two instant payments back to the origin account but the stopped the remaining ACH transfers I requested ( I had to do multiple because of the arbitrary limits they put on each one ). They called me multiple times asking the same questions surrounding, " Why are you withdrawing the funds to the same account they came from? '' I explained it was because HSBC account functions were locked previously to me, the entire funding process was taking longer than expected with the lockouts, and I needed to use my funds that week.
HSBC then froze the account and advised me they would keep the funds for 60 days while they " figure out what is going on and where the money should go. '' This is my money caught between two basic US checking accounts owned by me. It is a very simple consumer situation yet they are keeping my large amount of personal savings for 60+ days and not allowing any access to my account details or funds and refusing to offer any explanation. This is extremely financially damaging for a customer in my situation and who was told ACH transfers would take a maximum of 5 business days. I am missing out on making timely payments and on earning interest on my funds all because HSBC decided to take their sweet time to review what is happening while keeping me locked out. This is not what any reasonable consumer would sign up for.
Why doed HSBC get to keep my funds for 60+ days without my consent? This is a very basic ACH transfer situation that was handled extremely poorly by HSBC and damages my ability to make payments and rely on financial services as advertised. I am out a lot of money because of this surprising lockup of my funds and forced to wait an unreasonable amount of time to access my funds. Any consumer could easily get into my situation, all I did was transfer money in and out from the same account via ACH, and there seems to be no accountability for HSBC to honor my requests nor return my funds in a reasonable time. They won't even send them back to the origin! Please help return my funds ASAP.
|
| 02/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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I opened a XXXX Checking account with HSBC Friday, XX/XX/2020 following their promotional offer on their website. The offer goes as follows : XXXX HSBC XXXX WELCOME DEPOSIT CHECKING OFFER 1 HSBC XXXX {$450.00} Welcome Deposit Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past two years to apply for a deposit account online. To qualify for the HSBC XXXX {$450.00} Welcome Deposit you must : ( 1 ) open your new HSBC XXXX checking account from XX/XX/2020 through and including XX/XX/2020 ; and ( 2 ) make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to your HSBC XXXX checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. You will automatically receive the {$450.00} Welcome Deposit in your new HSBC XXXX checking account approximately eight weeks after completing all qualifying activities. Qualifying Direct Deposits are electronic deposits of regular periodic payments ( such as salary, pension, Government Benefits or other monthly income ) made into your HSBC XXXX checking account from third parties at least once per calendar month ******************************************************************************************* I have met all the requirements from top to bottom. It has been 7 months since the opening of my account. I have reach out to them on several occasions and each time they either ignored my email or said that they would investigate the case. In the last email, I told them Id file a complaint if they did not act to the promotional offer. Then, they got back and said that I was not eligible to receive the promotion. They claim that I did not open the account through their webpage and I must prove the otherwise in order to receive the promotional payment! The promotional offer was the ONLY reason why I opened this account, and, of course, trusting the HSBC, keeping any kind of proof ( whatever that means ) never crossed my mind. I have never heard of such an absurd and unfair case where I have to prove that I used their website. How else could I have opened the account? I have a PhD in Finance from an XXXX XXXX XXXX, and the HSBC should not think that their customers are XXXX. Instead, they should treat their customers with some dignity!
|
| 06/10/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
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XX/XX/2019 I sold my primary residence in XXXX XXXX, FL. The amount received from the sale was deposited in my HSBC checking account XX/XX/ 2019 I went to the HSBC Bank located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX to initiate a wire transfer of USD {$100000.00} The wire transfer was initiated from a US dollar account at HSBC Bank to a US dollar account at XXXX XXXX in XXXX XXXX REFERENCE XXXX XXXX BUY REAL ESTATE IN XXXX FROM PROCEEDS OF A SALE OF REALESTATE IN US XXXX XXXX 2019 I was informed by XXXX XXXX XXXX that only USD {$94000.00} was received I sent by wire transfer USD {$100000.00} on XXXX XXXX 2019. I received USD {$94000.00} on XXXX XXXX 2019 The amount of USD {$5600.00} is missing I have called HSBC Bank at least 8 times over a 3 week period The following is my call log and a summary of events XXXX XXXX 2019 I called HSBC Bank. Talked to customer service, XXXX who opened investigation reference number XXXX XX/XX/2019 I called HSBC Bank. Talked to customer service Hani. Hani did not find any notes or reference enter by the XXXX, therefore we started a new investigation XXXX XXXX 2019 I called HSBC Bank. Talked to customer service XXXX XXXX. XXXX could not find any logs, previous references or anything related to my issue XXXX XXXX 2019 I tried to escalate the case and talked to XXXX the Floor Manager. The Floor Manager called Wire Room Team. XXXX suggested to wait for the Wire Room Team to respond.
XXXX XXXX 2019 I called HSBC Bank. Talked to XXXX, Floor Manager. XXXX called the Wire department and also suggested to wait.
Also on XX/XX/XXXX XXXX Manager created a new complain number XXXX XXXX XXXX 2019 I called HSBC Bank. Talked to XXXX manager of customer department. XXXX created a new case number XXXX.
The case was submitted to the wire room department.
XX/XX/ 2019 I called HSBC Bank. Talked to customer service XXXX XXXX XXXX could not find any logs, previous references or anything related to my issue.
XXXX XXXX 2019 I called HSBC Bank. Talked to customer service XXXX id XXXX. XXXX provided no information. I asked to talk to the floor manager. Floor manager XXXX was not available.
The wire transfer was executed 3 weeks ago. I called HSBC Bank at least 8 times as outlined above. Sometimes I have been on the phone for over an hour with no resolution.
Something went terrible wrong. Why HSBC Bank is providing no answers. Where is my money. As of today, the amount of USD XXXX is still missing.
HSBC Bank consistently provided no resolution to my request.
|
| 10/23/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Robo-signing '' is a term used by consumer advocates to describe the robotic process of the mass production of false and forged execution of mortgage assignments, satisfactions, affidavits, and other legal documents related to mortgage foreclosures and legal matters being created by persons without knowledge of the facts being attested to. It also includes accusations of notary fraud wherein the notaries pre- and/or post-notarize the affidavits and signatures of so-called robo-signers. I am alleging both XXXX XXXX XXXX ( XXXX ) and HSBC ( Beneficial ) has executed not only a false mortgage assignment, but a forged mortgage assignment as well. Forgery : Although HSBC did not allegedly file this mortgage assignment, they are culpable due to the fact they authorized XXXX as their attorney in fact ; according to the documentation XXXX provided. Either they did or did not authorize XXXX as an attorney in fact. If they did, they are culpable. I would like written confirmation from HSBC stating in the affirmative the fact they did or did not authorize XXXX as attorney in fact for the AOM filed on XX/XX/XXXX. Notice the signature on the XX/XX/XXXX AOM by XXXX XXXX compared to two other documents used to verify XXXX XXXX notary signature. The difference is remarkable and overwhelmingly substantiates forgery. Falseification : Notice the property address listed in the XX/XX/XXXX XXXX ( listed as XXXX XXXX, XXXX, NY XXXX ). This is different than the actual property address contained in the mortgage dated XX/XX/XXXX, Instrument # XXXX XXXX references in the XX/XX/XXXX AOM. The actual address is unknown as it is not listed in the mortgage document referenced by XXXX. However, the address listed in the security agreement is XXXX XXXX XXXX New York XXXX. The security agreement also states, You are giving us a security interest in the real estate located at the above address. Also, the legal description codified in the document is not the legal description of my deceased parents home location. In addition, the dollar amount referenced in the XX/XX/XXXX AOM is inaccurate compared to Instrument # XXXX. All the above constitutes falsification. Both XXXX and HSBC are aware of these fraudulent actions, however, they both have chosen to ignore the clear and accurate documentation I have provided on numerous occasions. I demand a thorough investigation conducted by a third party other than XXXX or HSBC, as it is evident they lack the integrity in their ability to investigate these matters independently.
|
| 04/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
HSBC contacted me, in late XX/XX/XXXX, via text and email, regarding their concern over a fraudulent charge, from a XXXX XXXX XXXX company based out of XXXX XXXX, Nevada, on my credit. HSBC noted that XXXX XXXX claims my wife, XXXX XXXX, made the purchase. I called HSBC and verified that the charge, made late at night ( XXXX on XX/XX/XXXX ) was not made by myself nor my wife, XXXX .
I don't even have a physical copy of the credit card, I destroyed it, as I do not use this card at all.
The HSBC rep then credited my card for the {$190.00}. He said he would be issuing me a new card. I asked him not to mail a new card, as I don't use the HSBC card.
Two and half months later, on XX/XX/XXXX, I received a letter stating that HSBC contacted the XXXX XXXX, who claim they did indeed fulfill an order for my address and credit card. I can assure you, as I did with HSBC, that this is a fraudulent charge. I then called HSBC and was put in touch with the fraudulent department. I believe they are in XXXX, according to my email from XXXX XXXX XXXX, Fraud Operations Manager. I spoke with 2 fraud reps who looked at my file, said they had proof of the purchase, and then refused to talk with me regarding my stance.
My issue with HSBC is ongoing, as they reinstated the charge and since I am refusing to pay, my credit keeps taking a hit, and I am being charged late fees as well.
I found more than 500 complaints listed on XXXX regarding the XXXX company and the same fraudulent charges occurring for them.
I have reached out to XXXX XXXX XXXX 6 times via email.
Fraud Operations Manager - US Fraud Operations | HSBC Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone XXXX Email XXXX XXXX responded to my first 3 emails back in XX/XX/XXXX, he included 10+ pages of XXXX receipts that I, nor my wife, ever initiated. I have reached out to him 3 times since and he has not returned my emails.
I then mailed HSBC at their consumer affair office in New York, on 2 occasions ( XX/XX/XXXX and XX/XX/XXXX ) with my evidence of XXXX XXXX XXXX being a fraudulent company. I have not heard back from HSBC at all.
My issue is : 1 ) HSBC contacted me regarding their concern of fraudulent charges and when I called to confirm such, the issue was handled. My account was closed, and a new account opened, with a new card - thus, in my opinion, justifying a fraudulent charge on my old card.
2 ) Since then, HSBC has taken the word of a bogus company, with an " F '' rating on XXXX, over my word, the HSBC customer.
|
| 12/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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Robo calls were being placed to my deceased fathers home. I contact the company back on the day before XXXX asking them to stop. They stated I had a debt with HSBC that they bought and wanted me to pay. I asked for verification and they said to call HSBC I called hsbc and was told there was no outstanding account by XXXX at XXXX and also there investigation department. The company calling me only said they were a litigation dept at XXXX ext XXXX which when i tried to call back was a bogus extension. I then got a call the following week from someone else XXXX XXXX XXXX which again said I owed debt but this time to XXXX XXXX. Called XXXX XXXXXXXX again no bad debt or anything in collections called back to HSBC again no debt. Then the 3rd week I get contact made by a XXXX XXXX XXXX who stated I owed I asked for proof of charges they refused to provide any documentation I stated HSBC and XXXX XXXX both had been contacted and both stated there was no account that went deliquent or sold off. Numerous times with all 3 phone number I asked for proof of debt which was refused to me. All they could say was opened XXXX closed XXXX no payments made then last phone call said payment was made in XXXX but then stopped. I never received any mail regarding a debt in the last 7 years.. I purchased a home in XXXX and had all my mail forwarded from my prior address which i had lived at for 10 years and i have had the same phone number for 19 years and email address as long as i have been on the internet. This company had my social, date of birth, what vehicles i owned access to my credit report but no address, phone or email on me. Very suspicious. I ended up settling the bill only to receive a letter from HSBC stating there still was no account out for collections. The last contact I had was with a XXXX XXXX with this XXXX ph XXXX on XXXX, XX/XX/XXXX but then in my email I get a letter for settlement offer but no other contact from them and her name is not on that document. Also when I called back to discuss I was told she was busy and would call be back and I never received a call. I was threatened with legal action and court cost with no description of charges. I was threated that all my lines of credit would be closed and I woulid be unable to do any financial business and that if i didn't want to just pay it I would have to go to court. The tatics used were bullying and scary to say the least. As a consume i was trying to do my due deligience to validate this debt before paying it.
|
| 03/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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Said they were XXXX XXXX. XX/XX/XXXX They could not give me adequate info on a debt. Called HSBC as instructed by XXXX and they have nothing on file for me. HSBC said to ask them to validate the debt. XXXX can not validate the debt other than a charge off date ( XXXX ) and last 4 of the card. After speaking with Mrs. XXXX ( after they called at XXXX ) several times on XX/XX/XXXX. she sent my file to " fraud ''.
They called me again on XX/XX/XXXX robo message left om my phone, XX/XX/XXXX they called me again with no message left. XXXX another man calls me and is very abusive yelling at me that i don't understand what mediation is and he is trying to help me. He keeps saying that they are mediators, he would never admit that they are a collection agency, which is against the law! I requested him to mail me something and he said " why would I waste my time mailing you something if you don't agree to my help '' He yelled the entire time, said that " THEY '' are going to put a judgment against you and put this back on your credit and garnish your wages, then he backtracked and said that they can't garnish in my state. I asked for his supervisor and he said " what part of " director '' don't you understand in my title! I am the supervisor!! He hung up on me and I called him back. Told him that my only goal is to get information to validate the debt because i knew nothing about it. He accused me of lying saying it's been on my credit report. And that I would have to file a police report to dispute it, but no one is going to believe me in the court of law. I placed my complaint on XXXX with what my complaint was. They called called me today and said that it sounded like this debt collection agency purchased a really old file and they are trying to get folks to pay for things that are not even active any longer. XX/XX/XXXX I called back ( XXXX XXXX ) today on the first numberXXXX as the number from the man was not good ( XXXX ) I got Mrs. XXXX and informed her I was recording the call. Asked her to validate the name of her company ( 4 times ), she kept saying hold on, hold on ... .I said that's a very simple request ... ..she then said " XXXX XXXX and I do not give you permission to record this call ''. Bottom line, I did have an HSBC card that was included in a bankruptcy over XX/XX/XXXX years ago, so this should never be coming up and I should not be getting any calls from anyone. Told them never to call me again and she responded that she would let the case manager know.
|
| 10/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
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I received a concerning robo call stating that I was not responding to call or other attempts of contact and to call ( XXXX ) XXXX immediately. Also stating that they had contacted my employer. I immediately called the number and spoke to Miss XXXX at extension XXXX. She made me aware that it was a debt they were assigned to collect. When she stated the account and amount, I informed her that it had been paid through a previous collector. This was a debt that I was not aware of, thinking that the debt was paid in full years before. Unfortunately we had a fire in 2015 and I had no proof of payment so I set up 2 payments with XXXX XXXX and paid the debt in full. XXXX then sent me a letter stating that. Miss XXXX said she would note my file. I then received several more calls fo the same debt. Each time going over the same info that I gave Miss XXXX. The collector became belligerent. I asked several to remove my name from the call list because this debt was paid in full. At this time, the company started calling my elderly parents home and demanding information however they would not give my parents their info except for a telephone number. I told my parents not to worry that it had been taken care of.They telephoned my parents today, telling them that they were trying to serve a warrant for my arrest. My mom called me all upset. I then called the company and asked them to stop calling my parents and was told by XXXX XXXX at extension XXXX " Pay your debt and we'll leave them alone ''. I became angry and told them to loose both my number and my parents. I was hung up on. I called back again to speak to Miss XXXX and was transferred to XXXX XXXX who was also not very pleasant.She stated that I never paid the bill or it would not still show on their account. She then said I needed to pay them because she did not know who XXXX XXXX was and that they did not pay Household Finance the debt I had owed. I tried to fax a copy of my pay off letter but the fax number keeps stating error, I caled to request a mailing address to mail them a copy and I was told by XXXX XXXX that he des not trust me so would not release the mailing address. Any assistance your office can give is greatly appreciated. I do not want my parents contacted again. I do not have an address or email for this company. When I searched for them online, I could not find anything. I did a reversed number search and everything states that they are a scam, I have attached the letter stating that I am paid in full.
|
| 03/22/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Violations of numerous Federal and State Laws and Agreements to include : The Dodd-Frank Act, Title 12 Chapter X 1003HOME MORTGAGE DISCLOSURE ( REGULATION C ), Title 12 Chapter X PART 1014MORTGAGE ACTS AND PRACTICESADVERTISING ( REGULATION N ), Title 12 Chapter X PART 1024REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ), Title 12 Chapter X PART1026TRUTH IN LENDING ( REGULATION Z ), New York General Business Law 349, Fair Debt Collection Practices Act, Gramm-Leach-Bliley Act, as well as breach of representations and warranties.
A propertys legal description identifies it and distinguishes it from any other property. An error in the legal description of record becomes an obvious title issue and has a significant effect on any applicable documented agreements. In this case, three recorded defective mortgages. As outlined in attached, the clear and convincing evidence provided illustrates that both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX lack of quality control procedures, due diligence, breach of representation and warranties, attention to detail, unethical business practices and non-compliance with relevant underwriting guidelines and applicable laws has rendered all three notes and mortgage agreements ( XXXX, XXXX, XXXX ) completely invalid and unenforceable. Both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX conduct is indicative of fraud on borrowers, fraud on investors and a fraud on the courts ; especially when wrongful notifications and summons for foreclosure are brought forth by both parties without having clear and convincing evidence of a bona fide security interest in a property. In several ways, both companies negligently originated, recorded, serviced, securitized and/or sold these significantly defective loans to the secondary market, which are predominantly and legally null and void. Their unconscionable and seemingly unethical actions have caused great stress and anguish upon my remaining family as we continue to grieve our parents loss and are forced to defend the loss of our childhood home. Knowing the debt was invalid and unenforceable ; XXXX continues to threaten our childhood home of nearly 50 years with foreclosure, without cause. New York General Business Law 349 strictly prohibits such evident and deceptive trade practices or acts that are being committed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Our proud, hard working, yet financially unsophisticated parents, fell victim to predatory lending and deceit. See attached evidence.
|
| 12/02/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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Web |
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I have a loan that has been serviced by HSBC since XXXX, XXXX. I admit that there have been several times over the course of the last 14 1/2 years that I have fallen behind on my payments due to financial situations. In XXXX, XXXX I went from being self-employed to employed and my salary significantly decreased. In addition, my daughter had XXXX and I was incurring significant co-pays and deductibles. On XXXX XXXX, XXXX I contacted HSBC regarding loan modification. I faxed my paystubs and a hospital bill. On XXXX XXXX, XXXX HSBC sent me a letter offering a short sale or deed-in-lieu of foreclosure. Modification was denied because HSBC " did not received required information from a third-party ''. On XXXX XXXX, XXXX HSBC sent me the Residential Broker Price Opinion. On XXXX XXXX, XXXX HSBC wrote me and stated that a modification could not be offered because " borrower 's reason for delinquency does not demonstrate a permanent hardship. Permanent hardship includes death, terminal illness or permanent health condition of someone living in the household '' and " net Present value calculation did not satisfy lender 's guideline. '' When I contacted HSBC to discuss appeal, I was told I would have to send a money order or certified check for {$200.00} for an appraisal.
Unfortunately, this was my second attempt at loan modification recently. In XXXX, XXXX, I contacted HSBC and due to being self-employed was required numerous times over the ensuing year to produce months of bank statements and explanations of deposits and expenditures. When I could not provide any further information for transfers of money to/from my son ( who was in college XXXX my modification request was denied. HSBC gratiously " reaged '' my loan, but my interest rate has remained at 10.5 % and I have again fallen behind. Each time, save XXXX, when I was able to make contact with someone at HSBC, thanks to an acquaintance who formerly managed an HSBC loan office, I have been denied. That time, I was given a temporary modification, which helped significantly, but was denied a permanent modification.
I disagree that the Residential Broker Price Opinion ( `` drive by appraisal '' ) adequately assesses the fair market value of my home. I disagree that I should have to pay for a legitimate appraisal. I disagree that my decrease in income does n't represent a permanent hardship. Please contact HSBC and investigate not only this loan modification application, but the entirety of the servicing of my loan.
|
| 12/31/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Dear XXXX, I opened HSBC Premier Checking Account under a {$450.00} Welcome Deposit Bonus offer on XX/XX/2021.
In order to receive the Welcome Bonus, HSBCs offer required me to make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to my HSBC Premier checking account for 3 consecutive calendar months from the second full calendar month after account opening. At the time of application, I saved a printed PDF of HSBCs offer that mentions date of application : XX/XX/2021, and lists HSBCs website/URL listed at the bottom of the PDF where I submitted this application. Please see HSBC Checking Account Welcome Deposit Offer - XXXX PDF attached with this complaint.
I have already met the Direct Deposits totaling at least {$5000.00} from a third party to HSBC Premier checking account for 3 consecutive calendar months requirements by XX/XX/2021, and therefore, I qualify for the Welcome Bonus as promised by HSBC as of XX/XX/2021. Please refer to HSBC Account summary and transactions- XXXX PDF as evidence. However, HSBC has been constantly denying my welcome bonus by alleging that the account was not opened using the correct promotion code, even though their own websites HSBC Checking Account Welcome Deposit Offer - XXXX PDF clearly instructs the applicants to submit an online application using Apply Now button shown on the PDF which I used to open my account.
Over the past 3 months ( from XX/XX/2021 till the end of XX/XX/2021 ), I have made repeated attempts to resolve this issue by contacting HSBCs customer support at XXXX, but HSBC has been denying the bonus even after following up with Customer Support for mor than 10 times over the last 3 months ; and even after HSBCs customer support representatives themselves confirmed that I have met all the requirements of their bonus 3 months back. Their representatives keep telling me that they have followed up with the concerned Marketing department and that they will follow up with me in 3-5 business days, but I have never heard back from HSBC in the stated time frames or have been given any concrete response to my requests.
I would be highly obliged if you can please push this matter through with HSBC and please have them issue a {$450.00} bonus to me as promised in their offer shown in the printed PDF HSBC Checking Account Welcome Deposit Offer - XXXX under which I opened my account using their online application system.
Many Thanks for your kind attention to this matter!
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| 12/21/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Older American |
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XX/XX/2020-XXXX XXXX XXXX XXXX XXXX approached me to see if I was interested in purchasing a home in the New York area because I had been wanting to invest some money on purchasing rental property for a monthly income since I had retired. I responded and told him yes, what did he have and how much. I told him to send me the info on the property that I could purchase so I could look it up on the internet. He said it would cost me {$2700.00}. A woman he was working with stated that they were selling these properties because of a special government grant for foreclose homes and there was an abundance of them and they could be purchased for a very low price. Two had already been sold so if I was interested I needed to hurry with the money before they were all gone.
XX/XX/2020-XXXX XXXX XXXX XXXX texted XXXX XXXX XXXX the following message : 'I found XXXX mother a house its {$2600.00} though in XXXX 4 bed 2 bath. '' She sent:XXXX XXXX - " https : XXXX '' ; XXXX XXXX. - '' this is a different one. The other one sold. XXXX XXXX '' You gon na want to get the other property? '' Monday, XX/XX/2020 XXXXXXXX XXXX - " Hey were you able to get the money everything is done just got ta wait for the paperwork that's gon na b mail to you. '' XXXX XXXX.- " I stated Ok, thank you. '' Tuesday, XX/XX/2020 XXXX XXXX. - " Routing XXXX, Account XXXX, XXXX XXXX, XXXX XXXX, NY XXXX '' ; XXXX XXXX - '' XXXX XXXX ''. at XXXXXXXX XXXX. I ask What Bank is this going to, please? XXXX Also, what is the amount? XXXX XXXX- '' {$2700.00} '' I said OK. " HSBC '' XXXX XXXX - I ask did she get the picture and address? XXXX XXXX -XXXX answered, " She getting it for me now. '' XXXX XXXX " Is this the address of the bank? response : XXXX XXXX - '' No, hers ''. I told XXXX XXXX ; XXXX XXXX - I needed the bank address for my bank to send the wire to??? '' He gave it to me. XXXX XXXX. I told him the money was on it way. I pray this is all legit ; I am nervous because I do not know anyone, very nervous. XXXX XXXX said don't be ; she is gon na send me a contract stating that if anything goes wrong she would refund me the money with no problem. She gon na send me a contract. Then I asked him to ask her since it was a federal program and the purchase was so low did she know if they had this program here in XXXX that I could look into. He stated she was going to find out right now and would email me everything. She also sent a house in XXXX XXXX in XXXX XXXX, PA XXXX with a potential profit of {$38000.00}.
|
| 03/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Applied to refinance a investment property with HSBC US the requested the following information : 1- Documentation to verify the total housing expense for all real estate listed on application, including but not limited to : principal, interest, taxes, insurance, HOA fees, ground rent and assessments, as applicable.
2- Provide the Initial Written Verification of Employment Untranslated 3- A Satisfactory Project Questionnaire must be provided.
4 - The loan is contingent on approval of the project.
5- Rent loss insurance, equal to a minimum of 6 months gross monthly rent for the subject property, is required in order to consider rental income.
6- The maximum allowable deductible on your homeowners insurance policy is 5 % of the face amount of the policy, unless state law requires a higher maximum deductible.
7- Current year 's operating budget is required for satisfactory project review.
8- An HO-6 insurance policy is required when the master insurance policy does not include, coverage for betterments and improvements. Coverage must be sufficient to repair the condo unit to its condition prior to the loss claim event.
9- A Master Hazard and Liability Certificate must be provided evidencing satisfactory coverage including : General Liability, 100 % Replacement Cost, Fidelity Bond Insurance , Property, Rent Loss, Boiler/Machine and Umbrella Coverage.
10- Approval contingent on verification of credit, income and other financial information stated on application 11- HSBC will verify that a minimum deposit/investment balance of {$75000.00} in a qualifying HSBC *XXXX* *XXXX* XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/19 account will be established or has been maintained. Required deposit is in addition to the amount needed for down payment and/or closing costs.
12- Borrower to provide a letter of explanation for the Address of XXXX XXXX XXXX XXXX XXXX, XXXX CA. If borrower has ownership, provide verification of all expenses for the property 13- Provide the most recent credit card statement and Mortgage statement for XXXX XXXX 14- Title to list correct name for HSBC.
15- Provide explanation for address of XXXX XXXX XXXX , XXXX , PA listed on bank statements.
They rejected my application based on Excessive obligations in relation to incomeI asked for a copy of the documents submitted to the underwriter more than one time and I did not get it. I believe they submitted my information with wrong information which resulted in this rejection.
Thank you
|
| 01/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On or before XXXX XXXX I lost a folder containing my Credit card, a Copy of my Passport, and Copy of my XXXX to XXXX. During this time my folder was missing, someone used my Credit Card to make purchases. I did NOT make the purchases nor did I authorize any purchases to be made. I contacted HSBC once I noticed the card was not in my possession and that fraudulent charges have been made. I have had to repeatedly call them and tell them what has happened.. The very 1st time I contacted them I told them my card was missing.. They rejected my claim because they said that my card was present during the transaction. I did not have possession of my card when I called to tell them it was missing. I have been getting the run around with HSBC. They are now calling me to make payments on charges I did not do or authorize. When I Call HSBC they say they are recording the call.. IF they are doing so then why are they getting the story mixed up between themselves? I have done everything that they asked of me. I have went to the police station to get a police report, In which I was told I could not do so because I lost my card in another country. I informed HSBC of this. Then they told me to contact merchants that I have never been to gather information for them. I immediately did so and contacted HSBC afterwards. Every time I call HSBC they seem to bring up new things to NOT rectify this situation. They speak to me as if I never spoke to them before about this Issue. I am constantly repeating myself and I am Not sure if they are selective in what they want to hear or if they just dont care. I am now getting calls to make payments on transactions I know nothing about. HSBC is acting very unprofessional. I havent received any letter from them pertaining to any investigation or anything about my claim.. However I have received Bills and Numerous calls about making payments.. This is not fair at all. I have had to call them numerous times to see whats going on. Its like after I filed my Claim they just forgot about me..I didnt get any info about my claim. However I have received a bill, and fees for lates payments for transactions I Know nothing about. I want to know whats going on and how we can rectify this. What did they conclude? What notes they have of our conversations together? Why my claim was denied? Whats going on?. This is very frustrating. I have done Everything they ask of me. HSBC seems to not want to help its customers. I need Help with this issue. Thanks
|
| 06/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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Beneficial continues to deny the assistance requested with our account and to compensate us for our time and the lack of customer service and the ongoing damage it has done to us. The following are the issues that have not been resolved : On XXXX XXXX, XXXX Beneficial/HSBC erroneously sold our home mortgage to the XXXX XXXX XXXX Master Participation Trust by labeling our account as in default, and/or a distressed loan in trouble. Not only were we not behind in payments we were ahead. As soon as XXXX began servicing our loan we contacted them to let them know that false information had been provided on our account by Beneficial. When XXXX informed us in XXXX XXXX that we were behind in payments we called the customer service number and let them know this was not true and we lodged a complaint. They indicated at that time that Beneficial 's records were a mess and it would take time to sort things out. We had been trying to get Beneficial to correct their mistakes prior to them selling the loan to XXXX XXXX. They did not complete any work to address their mistakes.
Question 1 : Why was our mortgage sold as a loan in default to XXXX XXXX in XXXX XXXX?
In a letter dated XXXX/XXXX/XXXX XXXX XXXX of HSBC included records of our account that show the XXXX/XXXX/XXXX payment was made on XXXX/XXXX/XXXX. In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the XXXX XXXX records that were sent post " XXXX XXXX reconciliation audit. '' Question 2 : Why was the XXXX payment erroneously applied to the wrong date in our account?
Question 3 : Why were the reconciliations of our account ignored?
Question 4 : Why did you tell the NYS Attorney General and the Bankruptcy Court that our payments were up to date and then tell us we were in default?
A document is attached containing our payment history of our account with Beneficial ( Beneficial provided this document to XXXX and XXXX has asked that Beneficial provide an explanation. ) We need clarification on the following : See attached for remaining complaint information.
|
| 12/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
To whom it may concern, I have a mortgage loan with HSBC. The initial loan # was XXXX, the property address is XXXX XXXX XXXX, XXXX XXXX NY XXXX. The mailing address is the same XXXX XXXX XXXX, XXXX XXXX NY XXXX as the property address.
HSBC changed the loan # to XXXX after XXXX XXXX and changed the mailing address to XXXX XXXX XXXX without my consent.
The mailing address XXXX XXXX XXXX is not available now. I had lost lots of mails from HSBC including the XXXX forms, payment adjustment etc documents. So I called HSBC to change the mailing address to the property address XXXX where I am living in XXXX XXXX. However, HSBC refused to change the mailing address and continue to send all mails to the unavailable address XXXX XXXX. Therefore I filed complain to XXXX of NY XXXX in XXXX XXXX. In HSBC 's response letter to XXXX of NYS, it stated that the initial mailing address was XXXX so they can not change the mailing address no matter whether or not I received the mails. That is more ridiculous that I asked them to email me if they could not mail the XXXX forms or other letters to the property address. The response was NO! They said that they had to mail all letters statement to the existing mail address., no matter whether you could receive them.
I am very angry and surprise for HSBC service and practice. Especially, recently, they gave me a number of harassment calls. They made the lies that this is a collect debt call because I owed the mortgage payment and I owed the mortgage payment to {$5500.00} etc. The fact is that I pay the mortgage {$2700.00} /month and never be later. I checked the bank payment recording that I paid the mortgage {$2700.00} for every month XXXX including XXXX, XXXX, XXXX, XXXX XXXX. How can I owe the payment to {$5500.00}. HSBC, obviously, cheated the client to make benefit. I require XXXX and CFPB ( Consumer Financial Protection Bureau ) to investigate HSBC.
The issue raised here is that HSBC refuses to change the mailing address and keeps mailing all statements and corresponding letters to the address I could not receive them. Then they made the rumor and benefits for them.
I require CFPB revoke the license of HSBC in XXXX XXXX because they are not capable to do business. It never happened to a bank that did not allow to change mailing address. Meanwhile I claim the lose of missed letters for {$100000.00} against HSBC because my personal information were exposed in miss letters.
TrulyXXXX XXXX, the Owner of the Property
|
| 05/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
To summarize what follows: HSBC took a month to complete a balance transfer, even though their only communication with me regarding a time frame for such a transfer predicted 7-10 days. They have stonewalled my complaints, even though I lost money in this time period in the form of interest. I also experienced a lowering of my credit score, because HSBC posted the transfer to my account the day I requested it, despite not paying the other credit card company; my utilized credit doubled. I am looking for new housing, and lowering my credit score has made this process more difficult than it should be for me. After it is completed, I want to have this balance transfer forgiven in full by HSBC, to make up for the money and credit lost due to their delay and false communications.*****************************************************************************************************I initiated a balance transfer from HSBC to XXXX on XX/XX/XXXX. The attached email confirms this transfer, and states that it should have been completed in 7-10 days.After almost a month without the transfer being sent from HSBC—even though they charged the balance to my account immediately—I called to ask what the delay was. I then was told on XX/XX/XXXX that I would receive a status update for my inquiry on XX/XX/XXXX.After not receiving an update, I called back on the XX/XX/XXXX, and was transferred four times to reach my original customer service representative, with ID# XXXX. He told me that HSBC sent the transfer to XXXX on XX/XX/XXXX, exactly 28 days after my request. He stated that it is HSBC's policy to send balance transfers within 28 days.Nowhere in the terms of service is there a 28-day window for balance transfers. The only guidance is in the attached email, giving a 7-10 day window. I then asked to speak with the balance transfer team. He said that he does not know the phone number, he does not know anyone who knows the phone number, and he does not know any way to send me to someone who knows the phone number. I then asked him to have his supervisor call me, to which he responded that it would only take one minute on hold. I waited for nearly half an hour before hanging up and writing this complaint.For the reasons in my first paragraph, this delay is directly contrary to HSBC's communication with me and has severely inconvenienced me financially and through my credit. Once XXXX receives the payment, I want the transfer to be credited to my HSBC account in full.
|
| 07/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
URGENT MATTER SEE ENCLOSED HSBC BANK XXXX AND ITS COLLABORATORS FRAUDULENT ACTIONS TO EVICT ME FROM MY HOUSE ON XX/XX/XXXX - WHILE NEW YORK STATE HAS A MORATORIUM FOR XX/XX/XXXX.
I filed complaints with CFPB multiple times - HSBC Bank XXXX continue to lie and deny the facts. Please see below previous document submitted, and now re-submitted.
Please see newly submitted documents ATTACHED also whereby HSBC Bank violated multiple FINANCIAL LAWS INCLUDING RICO ....
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - HSBC IS BARRED BY FRAUD - FOR FILING HOME FORECLOSURE ACTION AGAINST ME. Heres foul-proof/consummate proof that HSBC bank XXXX had INTENTIONAL plans to defraud me prior to XX/XX/XXXX. I have doled almost {$400000.00} to HSBC and there is no proof of them PROPERLY ACCREDITING SUCH FUNDS ON MY BEHALF. See HSB via XXXX XXXX XXXX XXXX, fraudulent use of the FBI logo to bully and intimidate me. HSBC intentionally, violated TILA, False Claims Act, Committed Financial Fraud, Mortgage Fraud, and my civil rights as they ignored RICO in the process. The fraudulent loan was obviously table-funded/ Hence, 1 dont know if all the moneys I have paid HSBC so far has been properly credited. Whereby, I have requested original documentation from them on numerous occasion -to no avail and HSBC also ignored Federal laws. HSBC intentionally defrauded me beginning on XX/XX/XXXX, prior to them giving me an assumed loan, interviewers name XXXX XXXX XXXX by assign MERS. Please note that i have additional multiple pieces of evidence to support my claims but i could only upload 4 docs. Ap # : XXXX MERS NUMBER THEY ASSIGNED TO ME FROM XX/XX/XXXX See also HSBC letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Retail team 03, loan processor ), once more with MERS number XXXX See form " Direct Endorsement Approval for a HUD/FHA- Insured Mortgage '' pg. 3 of 4 with an approval date of XX/XX/XXXX with MERS number XXXX and XXXX XXXX XXXX signed off as HSBC Bank mortgage representative underwriter. Also, on the said form see HSBC fraudulent claims as lender in the shaded box to the left, and theres NO LOAN NUMBER FROM HSBC TO LINK THEM WITH THE FICTICIOUS LOAN IS AFFIXED on the form. See " Borrowers Certificate : pg. 4 of 4, dated XX/XX/XXXX and XXXX XXXX XXXX signs as lenders officer, MERS number XXXX is affixed, and Borrowers signature space is BLANK
|
| 06/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I made a purchase with my HSBC credit card, but cancelled the order with the merchant. Merchant accepted the cancellation : " XXXX-Sales Tue XX/XX/XXXX, XXXX XXXX Hello, We're so sorry to be losing your business and will submit your request to cancel. Is there something we could've done better to gain your business? Did you find a better deal somewhere else?
Thank you, XXXX " Then I received an email nearly a month later : " XXXX-Sales XXXX Thu XX/XX/XXXX, XXXX XXXX Hello, I am reaching out to let you know that today we tried processing a refund for your order with us, and the transaction was declined.
There has been a very big push on the Credit Card processors to not do business with companies who sell firearms, and they are not allowing us to process refunds at this time.
This has caused a huge problem for us as well as our valued customers, and we apologize for the inconvenience. Since we are unable to process the refunds through the Credit Card processer we kindly ask that your credit card company cancels this transaction for your order. We know that this could negatively affect our company, but unfortunately our hands are tied.
We are so very sorry Thank you for your understanding.
We hope that you have a wonderful day -XXXX Bless- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX '' I requested an immediate reply from XXXX : " XXXX-Sales Thu XX/XX/XXXX, XXXXXXXX XXXX It looks like we tried to refund your purchase, however the credit card processor we were working with declined the transaction.
We kindly ask that you contact your bank and ask them to do a credit reversal.
If they need to speak to us please just give us the contact information.
We are so very sorry for the hassle.
Thank you for your time.
XXXX " Still no refund, so I contact HSBC.
HSBC keeps sending me different emails to submit these emails to them. Each email bounces back by their own server. One email given by email from HSBC was : XXXX. On the phone they said, " XXXX '' -- both can't be reached by XXXX XXXX or XXXX XXXX.
HSBC is refusing to provide any support after multiple calls.
Each email I send them ignores the information previously provided and given.
Finally, HSBC suggested I contact the merchant. However, I have already provided the emails showing the merchant isn't being helpful AND HSBC has already tried contacting the merchant ( unsuccessfully ) while I was on their line with their dispute department.
Thank you so much. I have
|
| 01/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX v. XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX Credit Reporting Agency and/or it's attorney ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services.
In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) c/o XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date ( s ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) HSBC XXXX XXXX XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX cc : XXXX Settlement Class Counsel XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX, VA XXXX
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| 10/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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On XX/XX/XXXX, a balance transfer check was sent from HSBC bank to XXXX at my request, as HSBC was offering a 0 % balance transfer. Unfortunately, the payment address I provided was incorrect, due to the fact that HSBCs website asks for the provider address, not the providers payment address. I contacted HSBC by telephone on the XXXX to find out if I could stop payment if it had not already gone out. Instead of telling me that the payment had gone out, the agent stopped payment on the check. Once she finally told me that the check had already gone out but she went ahead and stopped the payment, I became irate and told her that that is not what I wanted.She then put in a request to have the stop payment canceled. I called back a couple of days later and was told that the payment address was irrelevant, because the balance transfer should be processed electronically.
I received a communication from XXXX on XX/XX/XXXX stating that my payment had been returned by the shore. I was then charged an NSF fee, my payment transaction was reversed, and I have accrued interest on that balance. I made calls to HSBC every few days beginning on XX/XX/2019. Each time, I got a new customer service agent who could not tell me what was going on with the balance transfer. They all said that they had no idea where the funds were, as it showed that the transaction cleared on their end. My most recent call to them was XX/XX/2019. Each time I called, the agent assured me that they would have it looked into and someone would call me back. I have never once received a return phone call from HSBC. Further, there is no way to upload any documentation when sending a message to HSBC to show that their own transaction had been declined.
I sent an online message on XX/XX/2019 indicating that I would be filing a complaint. When I logged in this morning, my balance now reflect that the transaction was reversed, but the date of the reversal is listed as XX/XX/2019, which is false. I have also been required to make the minimum payment on the balance including the balance transfer, rather than my very small purchase balance.
This erroneous charge and length of time to find their own money has affected my credit in that it has shown to balances where only one existed. It is also cost me extra money in fees and interest, payments to two credit card companies ( when there should have only been one ), as well as my time and stress and trying to get the issue resolved.
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| 04/15/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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Sub : Reg. Account opening bonus {$350.00} Enquired and Verified several times with HSBC customer service through bank emails, phone calls and chat. I have been advised that the bonus promotion {$350.00} will be credited to my account by XX/XX/2017. So far it 's not credit yet on my checking account. Even discussed several times with customer service, the team is not knowledgable circling and not providing solution on my case. Hence, raising this complaint to resolve my issue : Few case history reference for the investigation : Checking Acct Inquiry ( XXXX ) Date : XX/XX/2017 We are pleased to inform you that our Online Processing Team has reviewed your request and confirmed that your account is eligible for the {$350.00} promotional offer.
Your Checking Account should be credited with the {$350.00} by XX/XX/XXXX.
Checking Acct Inquiry ( XXXX ) XX/XX/2017 Upon review, we notice that the {$350.00} Bonus is scheduled to be credited within the XX/XX/XXXX.
Checking Acct Inquiry XXXX XXXX XXXX XX/XX/2017 : You will receive your {$350.00} bonus into your account within the next 7-10 business days.
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : Upon review, we notice that you have successfully set up two bills per month from your new HSBC Checking account via HSBC? s online Bill Pay for three consecutive months within 120 calendar days of your account opening. Please be informed that the last payment was initiated on XX/XX/2017. As such, you will automatically receive a {$350.00} welcome deposit into your account approximately within eight weeks from XX/XX/2017.
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : We have submitted a case to have the status of your promotional deposit investigated. Please allow us some time to look into this.
Now, I have been told that about the eligibility criteria investigation again, which was investigated and confirmed by customer representative in XX/XX/2017 itself.
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : Thank you for your patience while we researched your promotional deposit eligibility.
Since the account open date was after the Fall cut off date we are reinvestigating your eligibility. Please wait until the next month 's results are out. You will receive the gift by XX/XX/XXXX if all the criteria are met.
I have lost my patience and faith with HSBC and it 's poor customer service, hence I 'm raising this compliant.
Please investigate and resolve my issue at the earliest.
Regards, XXXX XXXX
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| 02/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Beneficial can not read or understand ENGLISH! I am making a complaint against them for a mistake they made in XXXX XXXX. That 's XXXX XXXX. DO YOU UNDERSTAND THAT THE YEAR IN QUESTION IS XXXX?? NOT NOT NOT XXXX. Beneficial DID own this mortgage loan in XXXX XXXX. They have stolen our money. Here is my complaint and possibly you can locate someone at Beneficial that can actually read and understand English. And make sure they understand that the theft by Beneficial happened in XXXX XXXX NOT XXXX. They did hold the mortgage in XXXX XXXX. BENEFICIAL IS THE RESPONSIBLE PARTY!!!
Beneficial applied two monthly payments XX/XX/XXXX to XX/XX/XXXX. They have sent us their accounting records that show that they made this mistake but they refuse to rectify the mistake. On XXXX XXXX, XXXX they completed a reconciliation of our account and their lawyer informed the federal bankruptcy judge that our account was up to day. On XXXX XXXX, XXXX after completing another reconciliation they told the NYS Attorney General 's Office that our account was up to date. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX they were paid a total of {$10000.00} which was more than enough to cover 6 months of payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of {$1700.00}. On XXXX XXXX, XXXX they sold our mortgage to XXXX XXXX Loans. Not only did they not tell XXXX that we were paid through XX/XX/XXXX, they told them that we were a month behind. This caused us to incur late fees. They seem to think that XXXX can fix their mistake. XXXX CAN NOT FIX A MISTAKE THAT BENEFICIAL MADE! Beneficial needs to be held accountable for stealing a customer 's money. This is a heinous act and they need to be punished. After many requests they sent us their accounting records of our mortgage. THEIR OWN RECORDS SHOW THAT THEY MADE A MISTAKE IN APPLYING THE PAYMENT TO THE CORRECT MONTH. Apparently no one at Beneficial Customer Service can read and understand English. Nor can anyone decipher their own accounting records. PLEASE make every effort to find someone at Beneficial that can read and understand English and can also understand their own accounting records. I DO NOT WANT TO HEAR THAT THEY BEAR NO RESPONSIBILITY TO FIX THEIR MISTAKE BECAUSE THEY SOLD THE LOAN TO XXXX AFTER THEY STOLE OUR MONEY.
This information is also being shared with the NYS Attorney General 's Office and the federal bankruptcy court judge of the southern division of NYS.
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| 05/06/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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I have had ongoing issues with HFC and they remain unresolved : 1. I am on a approved temporary modification and applied for a permanent modification. I have been denied even after my appeal. The reason HFC gives is my income is too high. It is the same income that they used to approve my modification in XXXX. I followed the appeal process and asked for the real reasons for denial. I was provided nothing! Just the same baseless reason of income.
2. I requested on XXXX XXXX, XXXX a complete printout of my payment history since the inception of my loan. I requested this as I was to see how my payments have been applied. I have over {$15000.00} in deferred interest and I want to verify how that balance came to be so high. I have still as of today not received my payment history request. I have made this same request of other lenders and they provide the request within a few days with no issue.
3. I received in the mail the other day a corrected XXXX Interest statement form from HFC. This is XXXX XXXX and they send me a corrected interest statement stating " NO INTEREST PAID IN XXXX. '' How could I have paid no interest? I am on a loan modification with a 2 % interest rate. My payments were spread between interest and principal. I have already filed my taxes and now out of the blue I get a corrected XXXX? There is no letter or explanation for this corrected tax form.
4. Since I requested the payment history once again my account is locked. I ca n't see what I owe. I have not received a bill for XXXX XXXX. I do n't understand why when I request something my account is instantly locked? I have received no phone calls and still after 74 days not a simple payment history. I am requesting the payment history so I can have it reviewed by a professional. I do not trust that HFC has acted in a honest manner with my account. If there was nothing to be found then why does it take 74 days and counting for a payment history? Why do I receive in the mail a corrected XXXX?
5. I have not received a bill from HFC for this month ( XXXX XXXX ). My account is locked so I ca n't view the bill and no bill has been mailed?
6. Every dealing I have had with HFC/Beneficial/HSBC or whoever they are has been just like this. They appear to be able to do whatever they please with no regard for the consumer and what it is like to be on the receiving end of this constant, never ending harassment.
I trust that eventually my cries for justice will be heard.
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| 02/09/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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HSBC Bank USA, N.A. had a " Get {$350.00} with this exclusive offer. A special invitation for HSBC Advance. I would receive {$350.00} by depositing a minimum balance of {$10000.00} and maintain at least the qualifying minimum balance for 90-calendar days. For example, I open a HSBC ADVANCE CHECKING account on XX/XX/XXXX. By XX/XX/XXXX, I should receive a {$350.00} Welcome Deposit into my new HSBC Advance Checking Account approximately eight ( 8 ) weeks after completing the requirements.
Opened account with XXXX XXXX XXXX, Personal Banker at HSBC Bank USA, N.A., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX [ XXXX / XXXX ] on XX/XX/XXXX after XXXX XXXX assured me that I QUALIFIED for the {$350.00} bonus welcome interest.
XX/XX/XXXX : I emailed XXXX XXXX, XXXX Branch Service Manager at XXXX regarding the failure of XXXX to deposit the {$350.00} onto my checking account.
XX/XX/XXXX : XXXX XXXX wrote me back to inform me that she is reaching out to the marketing team.
XX/XX/XXXX : XXXX XXXX said that she was informed that I had a previous HSBC account, thus did not qualify for the {$350.00} promotion.
I DO NOT HAVE ANY PRIOR HSBC ACCOUNTS.
XX/XX/XXXX : I wrote a letter to Mr. XXXX XXXX XXXX, Chief Executive Officer and President of HSBC North America Holdings , Inc., HSBC Bank USA, N.A. and HSBC USA Inc. at the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, New York XXXXXX/XX/XXXX : I received an email from XXXX XXXX, Manager of Customer Relations. She said that she will look into the matter and will contact me.
XX/XX/XXXX : I emailed both XXXX XXXX, Manager of Customer Relations AND XXXX XXXX, XXXX Branch Service Manager for a written explanation on why HSBC failed to deposit {$350.00} onto my checking account.
XX/XX/XXXX : I received an email from XXXX XXXX, Manager of Customer Relations. She said that she is continuing her investigation and will contact me.
XX/XX/XXXX : I wrote XXXX XXXX, Manager of Customer Relations a letter regarding HSBC Bank USA, N.A. failure to honor its contractual obligations.
As of this date, XX/XX/XXXX, no requested information as to the denial of the {$350.00} and failure to follow its own contractual protocol- We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes to complete our investigation.
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| 08/30/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Upon obtaining my credit file, XXXX was a company on my file I disputed with the credit bureaus but it was not deleted it was updated with new information. Once the credit bureaus informed me of this status I sent XXXX a complaint that they were reporting inaccurate credit information. I also asked that the information needed to be verified and deleted from my credit report as soon as possible.
In response XXXX sent me a letter stating in receipt of my dispute made pursuant to the FCRA. In acknowledgement they requested the CRA 's to report it as disputed. They have also reviewed the dispute and find the dispute lacking and specific facts or information which will allow them to investigate and because they have no information they ca n't investigate the dispute pursuant to the FCRA. They also state they are treating my letter as a request for validation under the FCDPA and they will write me again on 90 days. My original letter, was a validate and delete request letter from the beginning. But that 's not what they did at all.
In response to them not validating and then saying they will contact me in 60 day when they know its 30 days I sent another letter stating : I received Cavalry letter but under the FCRA your company has 30 days to validate and verify this alleged account not 60 days, if I do n't get a response with the 30 days of my original letter this alleged account must be removed and I 'm forwarding your letter to the Financial Consumer Protection Bureau showing that your company is not following the FCRA which states that your company has only 30 days to validate and verify alleged account ( s ).
If your company can not validate and verify this account I request a correspondence be sent to the credit bureaus ( as well as myself ) stating you request them to delete this account from my report. Please delete the above information as quickly as possible.
XXXX then replied, acknowledging receipt of my dispute and request for account validation, and to be advised that they have already ceased collection efforts for the time being in response to my communication. They also stated they will contact me again, either to provide validation, or an update on the status within 60 days from the date of the letter sent. No further collection efforts will be made unless and until validation is provided.
XXXX know under the FCRA their company has 30 days to validate and verify this alleged account not 60 days.
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| 09/07/2020 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Can't close your account
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Web |
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My HSBC account manager Mr. XXXX XXXX and I had emailed several times since XX/XX/2020 to discuss about my account closure. I also contacted HSBC customer service to ask about my account closure because Mr. XXXX kept telling me that it would take several months to close my accounts even though my accounts balance was XXXX already. HSBC customer service agent also deceived that my HSBC IRA account left open because I would receive the dividends in future.
I submitted my complaint to XXXX to sue HSBC on my account closure and over charging me for the closure on XX/XX/2020.
Mr. XXXX XXXX called me at the middle of XX/XX/2020. Mr. XXXX told me that HSBC only gave me {$50.00} ( annual maintenance fees ) back, but HSBC would not give my {$140.00}, {$98.00} ( termination fees ), and two {$95.00} transfer fees back. Mr. XXXX also told me that my both HSBC accounts were closed.
I received a letter from HSBC Vice President and Compliance Officer, XXXX XXXX, responding my complaint on XX/XX/2020. The letter also confirmed that both my HSBC accounts were closed.
Therefore, by the middle of XX/XX/2020, I thought my complaint to HSBC was closed even though I felt unfair that HSBC had charged me so many fees for my account closure.
On XX/XX/2020, I received HSBC statement of XX/XX/2020 for my account again. I was shocked. I sent an email to Mr. XXXX immediately asking him why my HSBC account still was open. Mr. XXXX responded me that my account had been pending for closure and I received {$3.00} refund from HSBC.
HSBC is not honest to me. It has been playing the games on my account closure.
On XX/XX/2020, I submitted my reopen request to XXXX online. On XX/XX/2020, I received a letter from HSBC wealth sales manager XXXX XXXX wrote on XX/XX/2020 to respond my reopen request.
This letter obviously was written before my complaint reopening request. It reflected how HSBC handle my account closure from top management to branch account management.
I have not received any other responses from HSBC responding to my complaint reopening request so far.
I require that HSBC closes my account immediately. I also require that HSBC refunds me {$140.00} and {$98.00} ( closure fees ) back.
I attached the copies of emails and documents from HSBC regarding my account closure.
The attached was the letter HSBC written on XX/XX/2020 and sent me on XX/XX/2020.
Thank you for your time and consideration.
Sincerely, XXXX XXXX
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| 07/19/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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Their application process is broken and poorly ( perhaps deficiently ) disclosed. As an initial matter, my spouse and I have credit freezes in places ( who doesn't post XXXX and all the other breaches ). After ( emphasis on after ) applying, we are told that our application is rejected and we need to lift our the freezes in order to apply.
Why HSBC is using CRA reports in the first instance for a product where they aren't extending credit ( assessing default ) seems problematic. What happened to the XXXX reports for banking account verification. Moreover, we did not recall seeing any disclosure regarding CRA reports, nor on double checking was there any mention in the terms & conditions of the product landing page that they would pull CRA reports. If HSBC is going to pull reports -- say so unequivocally upfront and tell people to lift any freezes.
We lift the freezes. We apply again on XX/XX/XXXX, and go through the whole rigmarole including upload proof of address ( internet utility bill ). This time the application accepts as pending, and they initiate trial deposits on XX/XX/XXXX to verify my existing bank account info, which we verify. Then on XX/XX/XXXX, HSBC again declines our application : " because were unable to verify the address of the applicant ''. This is odd as we submitted substantiation of our address.
We call, and after speaking with 3 or 4 people get to the appropriate team and ask was there some issue with the upload -- did you want a bank statement or pay stub instead? No, it was an issue with your CRA reports -- something -- can't tell you what -- did not match. Please call them and fix *something* with your CRA reports and try again. Very helpful.
So the HSBC is saying we've received your proof of address, we've verified your existing bank -- in order words you are who you say you are -- but no dice opening the account ( because of some undefined/undescribed issue with your CRA reports that ( as far as I can tell ) we didn't tell you we were going to pull ).
As a further note, HSBC 's decline email did not reference the CRA reports. The email did not say that HSBC relied on such reports nor provide any disclosure as to which CRA should be contacted to resolve this issue. Our impression was that there is some obligation to disclose this to the applicant/consumer in such situations ( but perhaps this scenario does not fall within the FCRA? ), but leave it to you all to confirm.
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| 05/02/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This is in response to XXXX XXXX XXXX , XXXX. ( XXXX ) CFPB response to complaint XXXX, dated XX/XX/XXXX. I have several issues/concerns with this response. 1- XXXX never addressed the illegal trespassing on private property. 2- XXXX XXXX alleged validation of debt is unacceptable. XXXX is a servicer and/or debt collector. XXXX is not the alleged note holder and has yet to provide any documentation from the alleged note holder providing proof of their security interest ; i.e. assignment documentation. 3- In the XXXX XXXX XXXX XXXX ( XXXX ) provided in the response by XXXX , an " out building '' was used in the assessment. This building is not even on the property of the subject property that was being assessed. Not to mention the entire XXXX is based on the wrong property as described in the mortgage documents. XXXX continues to inflate the price of subject property in a fraudulent manner. 4- XXXX XXXX XXXX states the subject property has an estimated value of {$100000.00}, yet they forced placed insurance on the property in the amount of {$230000.00} in coverage from XXXX XXXX XXXX XXXX as XXXX XXXXXXXX XXXX , XXXX. named as the first insured ( Policy # XXXX ). This is not only unethical, it's illegal. 5XXXX On XX/XX/XXXX, XXXX stated they provided me a copy of all origination related documents pertaining to account # XXXX. This was false and a misrepresentation of the facts. The documents included : Customer Application, Loan Agreement Including Truth-in-Lending Disclosure, Notice of Right to Cancel, Recorded Mortgage, Good Faith Estimate, HUD Settlement Statement, Servicing Transfer Disclosure Statement, Hazard Insurance Disclosure, Waiver of Escrow and Origination Appraisal. However, in XXXX XXXX XX/XX/XXXX response they included a document entitled " Arbitration Rider '' as part of the alleged loan documents. I have never seen this document and XXXX has never provided it to me as a result of my numerous inquiries. As a result, I would like XXXX to explain why it was not sent with the documents requested and provide a copy of the document and any other document ( s ) they neglected to send me in their XX/XX/XXXX correspondence. Either the document does not exist and XXXX fabricated it, or XXXX has once again been negligent in performing their duties. Please advise, I continue to assert XXXX continues to act in a fraudulent manner and misrepresents their legal abilities as a servicer/debt collector.
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| 07/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My HSBC credit card number was stolen and initiated the below purchases without my knowledge XX/XX/XXXX XX/XX/XXXX XXXX - XXXX XXXX NY {$61.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CN {$27.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MO {$1200.00} In that same date XXXX the HSBC security team found several other fraudulent charges as follows XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX XXXX XXXX XXXX XXXX ND XX/XX/XXXX XXXX XXXX SP XXXX XXXX XXXX FL All of these transactions were blocked as a part of fraud prevention and we reported fraud from our side and and credit card was closed. And a new credit card was issued But the charge we disputed for the amount of XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX MO is reinstated in the statement. Now there is a late fee and finance charge was accrued. Got a statement of Account number ending in XXXX New Balance {$1200.00} Minimum Payment Due {$76.00} Payment Due Date XX/XX/XXXX Neither me nor my spouse XXXX XXXX initiated this purchase and we never received any services from XXXX XXXX XXXX XXXX XXXX MO for the amount of {$1200.00} And when I called the fraud investigation team, they are saying My spouse XXXX XXXX initiated the purchase, and the HSBC send us the bill of XXXX XXXX and surgical through email stating that the name is correct, verifying the bill from our side which states my spouse name is correct but the address is incorrect, our XXXX number is missing.There are hundreds of apartment units in this apartment complex If his name was used in the above transaction, He was a victim of identity theft dated XXXX and his police report is also enclosed.
So I filed a new police report under my name for the above said transactions in my local police department.
And more over the fraud investigation team told us to call this XXXX XXXX XXXX company and we called them they told us to send an email regarding this matter and the send email is also enclosed. And when we call them they are asking us which company are you calling from and the fact is that we dont have a company in the first place and we dont know who is this XXXX XXXX XXXX company.Moreover it is oblivious that somebody initiated several purchases on the same date.
We called the HSBC regarding this matter several times, chatted several times, send email but got rejected and even send a register letter to the HSBC billing department and there is no help from the HSBC credit card company.
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| 09/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/2019, I received a credit card I applied for from HSBC Bank. I was approved for {$4000.00} on the card.
On XX/XX/2019, I tried to use the card to pay for repairs to my car and it was declined. I called the 800 number on the back of my card and after a 45 minute wait on hold, I got a gentleman who said the bank put a hold on the card. When I asked why, he didn't know. I asked to speak to a supervisor and again I was put on hold for close to an hour. I finally got to speak to a supervisor who said the bank put a hold on the card because I didn't send them the information they needed. When I asked what info they needed, I was told they needed proof of address and an ID. Told them I never received any request for info from them. When I activated the card they said I was free to use it, only I couldn't.
Told the supervisor when I got home I would fax the info to her, which I did, and she said she would call me the next day at XXXX : XXXX ( Thursday, XX/XX/2019. ) after she let the bank know I had sent what they requested. I never heard a word from her or the bank.
After I sent a proof of address, I got to thinking that they had proof of my address, they sent the credit card to that address and I activated said credit card. I also sent them a copy of my drivers license which concerns me now.
I called the 800 number on the back of the card on XX/XX/2019, when I was not called back and was again on hold for 30 minutes. The person who answered the phone knew nothing of what was going on, so I had to tell him the whole story again. He said give me the pin number which was sent with the card. I read the number to him off of the paper they sent me. He stated that number was incorrect. I told him the number was the one they sent me. He said he would then text me a code and I was to give it to him. I read the code that he texted and he said it was wrong. Said he would resend another code. I read that code to him and he said it was wrong and he could no longer help me and he hung up.
I got on XXXX and looked up HSBC Bank and there were numerous complaints about them and a lot of people had gone through what I had. I am beginning to think this is some kind of a scam.
I DO NOT WANT THE CARD. I would like it closed and my credit report to be expunged of their inquiry. I don't want anything from them on my credit report, I am praying that they do not use the copy of my drivers license for anything.
|
| 03/19/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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This issue that I am writing the CFPB about concerns a Balance transfer upon opening a revolving line of credit with the financial institution HSBC.
HSBC supplied checks for the purpose of balance transfers and other purchase options. I filled out a check for a balance transfer on XX/XX/2018. Said check posted to my new HSBC account on XX/XX/XXXX.
I checked the balance of the account that the check was intended to cover and found that the balance had not yet reflected as paid. I called the institution and inquired as to why my account was not reflecting the XXXX balance as it should and they informed me that they had not received a check. Maybe they had not applied it to the correct account? They requested that I supply a check # and routing info and they would check.
I contacted HSBC to acquire the information requested of the other financial institution. After more than one call asking for this information I finally received a copy of the check.
The issue at hand is that after confirming that my previous financial institution did not receive the check, and confirming that the address was indeed correct for the location at which they should have received said check. They admitted that I was the victim of fraud and that I should dispute the transaction.
Here is the problem that I need direction on. HSBC says that there procedure for this concern is that I am to walk into a Brick and Mortar location and fill out an affidavit and then they will reverse the transaction making me whole again.
Unfortunately the closest physical branch is in XXXX XXXX California and I live in XXXX XXXX XXXX Utah.
On multiple occasions I tried to escalate my issue up the management chain to find an optional method for resolution. After speaking with multiple representatives that obviously work in a call center based in another country with very thick accents repeatedly telling me to walk into a branch location and then promptly hanging up on me I am reaching out to the CFPB to get some further assistance with customer service options.
I even tried to call Physical branch locations to speak with a US based banking representative, Unfortunately all branch locations local U.S. # 's direct you right back to the call center to route or screen your concerns.
I am now on the hook for {$2500.00} dollars twice. This is not acceptable and I would like a fair resolution outside of obtaining legal representation.
|
| 04/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
In XXXX of XXXX, I signed up for an HSBC Advance Checking under HSBCs Q3 2020 promotion. Under the terms of this promotion, eligible new customers who open a new HSBC advance checking account will receive XXXX dollars if the account is opened by XX/XX/XXXX and recurring direct deposits totaling at least XXXX from a third party are made for three consecutive months from the second full calendar month after account opening.
On XX/XX/XXXX, HSBC informed me via email that my account was approved. Therefore, if I make qualifying direct deposits on XXXX, XXXX, and XXXX, my account is eligible for the promotion. The offer mentions that the bonus will be credited no later than 8 weeks after the qualifying activities are met. Therefore, the latest the bonus should be delivered would be around the end of XX/XX/XXXX.
After making the qualifying direct deposits in XXXX, XXXX, and XXXX and waiting the 8 weeks, I still did not receive the promotional bonus. I reached out to HSBCs customer service department and gave them the details of the promotion and my account activities. The customer service representative filed the case and gave me a case ID of XXXX. I was told I would hear back after the team that performs the account review reached a decision. I did not receive a callback so I had to follow up and have the case reopened. After discussing with XXXX XXXX, it was revealed that my promotion was rejected because the direct deposit was not considered a payroll deposit. I clarified that the name of the company I worked for was cutoff due to its length and to have the rewards department review my account details again.
After waiting 5 business days, I was contacted by XXXX again on XX/XX/XXXX informing me that I was still to be rejected because the deposit was a cash concentration and not considered a payroll deposit. Even after describing that I can demonstrate the XXXX configurations that show the payroll deposit details, I was told that the case was closed and that the promotional bonus was to be reneged upon by HSBC.
I plan to file suit using a consumer law attorney and receive representation for this case. I truly wonder how many promotions HSBC reneged upon considering the amount of companies that use XXXX as their payroll system and how many direct deposits may have gone classified as cash concentration. I hope to see CFBP take action and potentially have a class action lawsuit opened.
|
| 03/18/2016 |
Yes |
|
|
|
Web |
|
|
I have a Credit Card account with HSBC, USA. Recently my card was replaced due to suspicious activity on the account.
During the following statement period ( janurary, 2016 ), an 'Autopayment ' of the full balance of {$3400.00} was taken from my bank ( XXXX Account # XXXX ) without my authorization. This occurred on XXXX XXXX, 2016. I had previously set up the account to deduct the MINIMUM PAYMENT, not the full balance.
I contacted HSBC about this. They noticed their error and issued a 'Return Payment '. However, though the return payment showed up on my statement - they did not return the funds to my bank account. I followed up again a week later. They claimed the funds had been returned, but they had not. I offered to show them my XXXX statement as proof the money had not been returned.
On XXXX XXXX another 'Payment Adjustment ' was listed on my statement for {$3400.00}. Still no actual funds were returned to me. At this point my credit card balance was over {$6000.00} due to HSBC error. I followed up again and at HSBC 's request opened a dispute about the charge with XXXX Bank. XXXX issued me a provisional credit. Their investigation continues.
On XXXX XXXX, another payment adjustment was issued by HSBC. This time for {$1500.00}. Again, no funds were returned. This caused my account to be overdrawn. At this point I began to worry about how it will affect my Credit Score. I informed HSBC of this, but they claimed the issue had been resolved and the funds had been returned, but they had not. Again I offered to show my XXXX statement as proof.
On XXXX XXXX, another payment adjustment was listed on my statement. This resolved the {$1500.00} in question, but not the initial {$3400.00}. I am still waiting for them to resolve the initial complaint and return the {$3400.00} to me. An investigation into this issue has been ongoing since XXXX XXXX. It has not been resolved. It has caused me a lot of stress as the Phone Customer service representatives are unable to assist me and will not allow me to speak to anyone higher up the chain.
It has been over 60 days since my first complaint was filed.
The high balance that has been listed on the account worries me as it will affect my credit score and is through no fault of my own. HSBC are also charging me interest on this balance. The Balance is incorrect due to their error.
I am having a lot of trouble resolving this issue.
|
| 07/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Company : HSBC I responded to mail promotion from HSBC ( copy attached ) promising a {$370.00} welcome deposit for opening a checking account, depositing {$10000.00} in the first 30 days, and maintaining that amount for 90 days. The mailing promised that I would automatically receive the welcome deposit approximately 8 weeks after the 90-day period.
Timeline : - XX/XX/2019 : Account opened and funded with {$10000.00}.
- XX/XX/2019 : 90-day period elapses ( balance throughout this period = {$10000.00} ).
- XX/XX/2019 : This is now 8 weeks after XX/XX/2019 so I expect to receive the {$370.00} welcome deposit shortly.
- XX/XX/2019 : I first try to contact HSBC at XXXX but am on hold for over 20 minutes and hang up.
- XX/XX/2019 : I again call HSBC and speak with someone who confirms I have met the offer conditions and says she will get back to me within 48 hours to advise on when I will receive the {$370.00} welcome deposit - XX/XX/2019 : There has been no follow up from HSBC so I call again and speak with a different person who explains that he will need to submit another inquiry with the marketing team and will call me back no later than the following Monday ( XX/XX/2019 ). Since the person I am speaking with says he has no authority to resolve my issue, I ask to speak with a manager or directly with someone from the marketing team, but am told that is not possible.
- XX/XX/2019 : Six days later, there has been no follow up from HSBC so I call again. Again I am told that the person I am speaking has no authority to resolve my issue and they will need to submit another inquiry with the marketing team. They can not provide any timeframe for when to expect the issue to be resolved so I tell them that I have not received the welcome deposit I am owed within two days, I will have to file a complaint with the CFPB and the California banking regulator.
- XX/XX/2019 : I have still not received the funds I am owed or any follow up from HSBC so I am submitting this complaint.
There are numerous other complaints on the CFPB website regarding similar facts so clearly HSBC is engaging in a pattern of behavior -- promising welcome bonuses for opening accounts and then failing to carry through with their promises. In my case, the bank has had ample notice of the issue and time to respond. Their ongoing failure to correct the error amounts to an intentional act to harm a US consumer.
|
| 07/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This is a follow-up to a complaint I filed XX/XX/2020 with the case number XXXX. My complaint was against unnamed callers who have been calling for two years attempting to collect a debt owed to HSBC they have connected to a street address I lived at over ten years ago. I have no memory of ever having a line of credit with HSBC. I have had my credit score checked numerous times since these calls have been coming in and this debt has never appeared. I have made large purchases where my credit was checked and this HSBC debt was never mentioned. The callers have been abusive while threatening legal action and saying the name of my current address to perhaps scare me into paying them ( They only accept credit card payments over the phone ) I have already submitted all the phone numbers they have called me from in my previous complaint.
I received a return letter from HSBC XX/XX/2020 stating there was no record of my name in their system and that none of the phone numbers provided had any affiliation with HSBC.
But last week on XX/XX/2020 I received another robocall voicemail from the phone number XXXX XXXX XXXX. As usual, they do not announce where they are calling from, just that they are looking to verify my current address and place of work to proceed against me. They said they will be calling the human resources department at my work to move forward in their actions. But their client ( whoever that is ) is willing to settle if I got in touch by the end of the day. They ended off the call telling me this is a final warning and telling me to call this number : XXXX XXXX XXXX. They gave me a case number of XXXX.
I thought I went through all the proper actions to get these calls to stop. How can I finally be done with receiving these calls? I do not owe this debt they have been harassing me with for over two years. I have asked them to provide more information on this supposed debt and all they tell me is it's from HSBC and the amount ( which fluctuates every time I ask ) There has been no attempt to provide printed documentation of this debt. As I stated above, these calls have been coming in for two years now. I would like them to stop without me resorting to hiring a lawyer. I am a man who suffers from XXXX XXXX on a fixed income and I can not afford such things.
I just want the calls to end and I would like this unnamed organization to be stopped from harassing people.
|
| 08/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
Dear sirs, We have been clients of HSBC Bank since XXXX. First abroad and then in the USA.
But since we are XXXX and dont live in the USA, we have just maintained our account, and we used to receive statements by the post. Suddenly they have stopped arriving, but since it is not our main account, we haven't noticed. It hasnt changed the balance over the years and we weret worried about it.
In the beginning of XX/XX/XXXX we received an email from the manager, saying that the account is negative. And a week later 2 cards by post office - dated XX/XX/XXXX and XX/XX/XXXX.
We are astonished to get acknowledge that our account has been emptied, without a single email notice, or written letter, explaining that there would be a monthly charge of US {$50.00} if the balance was below a minimum balance of US {$75000.00} after a determined date!
We checked the account and was successful ordering previous statements ( online, inside the accounts service ) - that the Bank sent by mail - the envelope arrived fastly. More astonishing - they began deducting on XXXX XX/XX/XXXX. 4 managers took care of the account since then. NONE OF THEM, NEVER, HAS EVER INTRODUCED THEMSELVES, CALLED OR SENT AN EMAIL OR A LETTER - NONE EVER PRETENDED TO TAKE CARE OF THE ACCOUNT OR CARE FOR THE CUSTOMER. NONE OF THEM GOT IN TOUCH TO OFFER TO LOWER THE CATEGORY OF THE ACCOUNT, TO BE CHARGED A MONTHLY FEE OF US {$3.00}.
On XX/XX/XXXX I got in touch thru a chat, explained the case, asked for a ombudsman contact, but the answer is that nothing can be done, and that there isnt an ombudsman contact. The attendat offered that the accounts manager gets in touch, bus this hasnt happened. I asked for the cHat transcript thru e-mail, I gave 2 email addresses but hasnt received it in any of them. Fortunately I saved a pdf copy of it.
Today, XX/XX/XXXX I tryed to check the balance in order to check if they continue debiting the account, but theres a message to get in touch and I cant access the extract or balance.
We kindly ask you to refund our account, since we didn't have at all the opportunity to make a deposit and adequate to the new conditions of the bank. We were deeply harmed by this situation and it is not fair to face such a great loss inadvertently. We just want to be refunded and proceed the account closeure, with minor prejudice We really appreciate your best efforts and attention in advance,
|
| 03/26/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I contacted my mortgage company HSBC XX/XX/XXXX to ask for assistance with my home loan because I have been unemployed since XXXX XXXX XXXX and my unemployment ended XXXX XXXX. According to HSBC website I should have been offered assistance.
When Mortgage Payment Difficulties Arise If you are an HSBC Mortgage Services ( former Household Mortgage Services ) customer, please visit www.hsbcmortgageservices.com. Not sure? Click here for more information.
Let us help you find a solution Remember that relief is just a phone call away.Life is not always easy. We understand that, and we 're here to help you. Losing a job, divorce, an illness or a death in the family are just some of the things that can cause a delay in paying your mortgage payment. If you are experiencing or have recently experienced a hardship and are unable to keep up with your mortgage payments, contact us. We 'll work with you to try to make the best of a difficult situation. Call Our Payment Assistance Line at XXXX.
Instead of getting assistance I was told by XXXX XXXX XXXX XXXX that my condition was temporary and they could not help me unless I had a XXXX or a XXXX XXXX or was dead. They also sent someone to appraise my home which I was not informed about and was shocked when I received the information in the mail. XXXX also said that I had equity in the home as if I could get a loan without a job, and was told I could appeal which makes no sense because they never tried to help me. I am turning XXXX soon and finding a job at my age has been extremely difficult even more so because I have more than 17 years of experience. I have paid my mortgage since XX/XX/XXXX and I believe that HSBC is falsely advertising that they offer assistance to homeowners who have lost a job like I have. They even post this information on their website which again indicates they will help you.
Consumer Advisory Please be aware of Mortgage Modification Scams and Foreclosure Rescue Scams. HSBC Bank USA , N.A . should be your starting point for finding options to resolve delinquency or avoid foreclosure. Your first step is to call Payment Assistance at XXXX.
I do not understand how what they are doing is legal ; providing false information like this.
When I asked for a copy of the note I was told this would take a month to get. I wasted precious time believing assistance would be offered to me when clearly it was not.
|
| 09/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a phone call from XXXX XXXX XXXX, and spoke with XXXX XXXX. The phone numbers she called me on are XXXX ( registered to an auto repair company ), and XXXX. She said I owed HSBC over {$2000.00} and that I have not been responding to any of their correspondents. I have no received anything in writing, email or phone calls until XXXX. She would not give me any information except the last four of the account number. I checked my credit report and let her know this was not my account. She proceeded to tell me it did not matter because it is associated with me and I have to pay it. She also proceeded to tell me that it XXXX I received the short end of the stick. Also, she informed me all credit agencies do not report to the credit bureaus. In my experience, I have always had all of my loans, credit cards both in green and collections how up on my credit report. Once she bullied me enough, I asked her if there were options since I started to believe I did something wrong. She let me know I can make 6 payment of {$270.00} or a one time payment of {$1200.00}. I proceeded to call HSBC and spoke with a gentlemen ( I could not understand his name ) who confirmed I do not have any accounts with HSBC. When calling her back she let me know I should not have done that and that is illegal. At that point, I was done and just wanted to speak to her supervisor however was railroaded and bullied again stating this is my debt and if I am trying to by time or skate by and not pay it was not going to work. I told her I would call her back since I still did not believe I should pay for something that is not mine. I spoke with my parents and researched the numbers to find it was SPAM and others have dealt with the same thing. I decided to not call her back and let it go since i knew it was not my debt. She has since called me three times leaving voice messages telling me again how sorry she was that I got the short end of the stick, that i should not have wasted her time and she will still file for employment verification to garnish my wages on Monday. She has also called my sister, mother, father and aunt looking for me and said a few choice words to my father. When speaking with my father she told him, " sir, your daughter likes to spend a lot of money and buy things. '' When calling my sister, aunt and mother she continued to bully, harass and hang up on them each time.
|
| 03/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
HSBC recently began charging a number of new fees on my checking and overdraft protection accounts. I am not aware of being notified that these new fees would be put into effect, nor am I aware of having agreed to this significant change in the terms and conditions of my bank accounts. It is possible that these changes were hidden in one of the periodic updates to the terms and conditions of my accounts with HSBC but no attempt was made to make me actually aware of these significant changes to the fees which are charged to my bank accounts. I have had my HSBC checking account for 15 years and my select credit ( overdraft protection ) account for more than five years. Looking back through my banking statements, I can see that HSBC did not begin charging these particular fees until XX/XX/XXXX.
The XXXX new fees are a 'maintenance fee ' on my checking account and a 'miscellaneous debit transaction fee ' on my select credit account. I was charged maintenance fees of {$15.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of {$120.00}. I was charged miscellaneous debit transaction fees on XX/XX/XXXX for {$10.00}, on XX/XX/XXXX for {$30.00}, and on XX/XX/XXXX for {$20.00} for a total of {$60.00}. I was told that HSBC charges a {$10.00} fee for every transaction on the select credit account. The fees I have listed include all instances of these fees being charged to my checking and select credit accounts during the 15+ and 5+ years that they have respectively been open. After speaking with HSBC customer service representatives, some of the fees have been reversed but they will continue to charge them on new transactions.
I believe that I was also deliberately misled by HSBC customer service representatives. I was told repeatedly that the terms and conditions of the accounts have not changed and that these fees have always been in place. This is an obvious falsehood which is made apparent by a review of my bank records, which I have done. The 'miscellaneous debit transaction fee ' is also similarly titled to the normal monthly finance charge for the select credit account, which appears in my statements as 'miscellaneous debit *finance charge* cash advance. ' I believe that these fees were given similar titles in order to deliberately confuse and mislead HSBC customers so that they would not notice the new fees being charged to their accounts.
|
| 07/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received a call on XX/XX/XXXX but it went to my voicemail. I decided to listen to the voicemail today XX/XX/XXXX. So, I called the company back not knowing any details besides a threat was left. I wanted to know what it was regarding. The man at first hesitated in telling me any information. He then verified the last 4 of my ss # and my old address. He rattles on and tells me that he is with HSBC ( collections for credit card ). He told me that since I did not respond litigation had been pursued against me. I advised him that I never received a letter because I no longer live at that address so I dont know how this is possible. I havent lived there since XX/XX/XXXX. He began to become very rude and said,, Well, Our attorney will see you in court. We can seize your car anything else. I informed him I have not worked since XX/XX/XXXX due to me having a XXXX XXXX XXXX XXXX and XXXX XXXX. I advised him that I was trying to get social security. He didnt care, no empathy, no compassion just rude and threatening to take my car which I dont pay the note. I dont even drive it due to me staring to have XXXX. I deal with XXXX, XXXX and XXXX. I have Medical documentation of my diagnosis. I told him I dont have a job and you can not get blood from a turnip. When I was working I paid all my bills, but Im not in a position to do so. Threatening me caused my XXXX to kick in and triggered a XXXX XXXX which I see 2 XXXX for. XXXX is a trigger. I have nothing. The amount could not be any more than 600.00. Just lie they want to sue me ; I want to sue them for harassment, emotional, mental abuse and threatening me. Its a way to talk to anyone. I have XXXX so I could not drive if I wanted to which is documented in my medical records. I dont have a one to bring me to court over 600.00 when Im fighting to survive the issues Im going through. So now they expect me to jeopardize my life and others never knowing when a seizure may come on. I take med daily that knock me out for the XXXX XXXX. I have them daily ( night, middle of the night and when I wake up. The agent was just really rude and hung up in my face. He said they were a credited with the credit bureaus which is a lie. I have nothing no money on the bank ... .NOTHING. If O could steal work I would and pay this debt but I cant. I wonder if he could feel what I feel would he treat me differently?
XXXX XXXX XXXX
|
| 09/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am disputing the charge for {$1600.00} made on XX/XX/21 to my HSBC credit card and XXXX deposit paid on XX/XX/21. The total amount I am disputing is {$1700.00}.
I entered a contract with XXXX XXXX for 4 movers and 1 truck/s, at $ XXXX and a {$100.00} deposit nonrefundable to move me from XXXX XXXX XXXX, XXXX XXXX TX XXXX to XXXX XXXX XXXX XXXX on XX/XX/21 XXXX
Before my move date, I received a call asking if I minded multiple trips. I specifically said I do not want multiple trips. On XX/XX/21, 4 movers came with a surprisingly small truck and began moving at XXXX. The truck did not have a lift in the back to assist with getting the refrigerator, heavy XXXX XXXX XXXX and my XXXX XXXX XXXX in the truck. Around lunch time they told me the truck was full and they needed to make an additional trip.
Before delivering thXXXX XXXX XXXXad to XXXX XXXX XXXX XXXX, the 4-men crew stopped for lunch. They were gone for 1.5 hours. The 4th person never returned. My contract stated 4 men and a truck at $ XXXX. They unloaded the first load and then 2 men and me returned to XXXX XXXX XXXX, XXXX TX to finish loading the large items such as the heavy XXXX XXXX XXXX, the XXXXXXXX XXXX XXXXXXXX XXXX, the refrigerator and a handful of other inventory items. The 3rd man stayed at XXXX XXXX XXXX XXXX to begin assembling the beds. The 4th man never returned to the job.
The 3 men delivered the final items. After a full inspection I realized : 1. I was missing a large decorative vase that went with two others. I have a bad hip and was not able to go onto the truck and inspect it before they left to see what had been left there.
2. My XXXX XXXX XXXX was shattered. The men did not wrap it, nor did they put the blankets on it when they loaded it. All they could say was XXXX we have another job to go to after this one.
3. My XXXX XXXX XXXX was so damaged that I could not even open it.
4. There were scratches and dents on my XXXX XXXX XXXX.
5. There were scratches on my dining room table.
The damages noted above exceed the moving costs I paid, of a {$100.00} deposit paid on XX/XX/21 and {$1600.00} on XX/XX/21 ( Total paid {$1700.00} ). I am disputing all moving charges paid through my credit card company. I will be filing numerous online social media complaints and a XXXX XXXX XXXX Complaint against XXXX XXXX XXXX for your Gross Negligence and Breach of Contract.
|
| 12/06/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I received a call from my bank asking me if I had used my debit card for a couple of transactions. I listened as they rattled off these transactions and one got my attention. It was from XXXX XXXX for {$19.00} and I told them no I did not authorize this transaction. So they deactivated my debit card, and after I hung up the phone I was curious if this was the first such charge. So I went through my bank statements and found that it was n't the first such transaction. It had been going on for about three months to the tune of over {$1000.00}. So I contacted the bank and disputed the charges, about a week later I got the funds placed in my account and was told the case was closed. Then almost two months later I received a letter stating that my son had a prior relationship with the XXXX store and since this was the case he must have made these purchases. I assured them that he did n't as I checked his XXXX and there were no games on there because he does n't buy games online, he likes to have the case and disc. So as I had closed out my account before they could take the funds out, they decided to accept my direct deposit anyway and took all the money back throwing my account into the negative because of this I was also charged several banking fees for transactions they paid knowing that I had no funds in my account to cover these charges. So now my account is almost - {$900.00} and I have changed banks. They have continued to pay bills and I was then told to get a police report to release the bank from responsibility. I did that and waited ten business days as I was told, then I called back and got the same answer. My son must have made the purchases. So I asked them for proof, and they said for me to contact the playstation store, which I had already done and they said they can not provide me with such information. I do n't understand if someone was spending almost {$100.00} a day on a website why the bank had n't contacted me earlier, and they said that is not their job. It is my job to keep track of what is going on with my account. I said so you are n't responsible in helping to cut down on fraud, and they said no that is my job. I am so angry that I have switched banks and will never go back to this bank, but I am still out over {$1000.00} with no explanation or apology or anything at all resembling how a business would handle such matters.
|
| 11/27/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
During the period of XX/XX/XXXX-XX/XX/XXXX, my checking/saving/select credit Accounts in HSBC were used for the following unauthorized transactions : {$4900.00} ( XX/XX/XXXX - wire transfer from checking ) {$4000.00} ( XX/XX/XXXX - wire transfer from checking, already credited back on XXXX ) {$5000.00} ( XX/XX/XXXX - wire transfer from saving ) {$8600.00} ( XX/XX/XXXX - wire transfer from saving, already credited back on XXXX ) {$2400.00} ( XXXX - electronic transfer from checking ) {$2400.00} ( XXXX - electronic transfer from checking ) The hacker also transferred {$4500.00} from the select credit account to my checking on XX/XX/XXXX in order to facilitate some of these unauthorized transactions.
Origin : The E-fraud prevention team from HSBC bank called me on XX/XX/XXXX and wanted me to confirm some recent online activities on my accounts. I missed their phone call initially so I tried to call back that afternoon but the wait time is too long. I finally managed to call them back next morning on XXXX. The representative informed me my accounts was compromised. He went through the unauthorized transactions with me and said only the transaction of {$4000.00} can be recalled immediately and for the rest they will investigate and get back to me in a few days.
Couple days later I am able to see one transaction ( {$8600.00} ) credited back to my account. I called them for a status on the remaining transactions and they are still working on that. That representative said it would take a maximum of 10 days to get me a final response otherwise will credit full amount back to my accounts.
On XXXX, I sent a formal letter to HSBC headquarter in XXXX XXXX XXXXXXXX to notify them that I am a victim of identity theft and never authorize anyone else to use my accounts in any way. This is to protect me in case the bank said I never contact them in written statement about the matter.
Afterward I called them a couple of times on XXXX, XX/XX/XXXX and XX/XX/XXXX to get a status for the remaining transactions, and every time I was told I need to wait few more days to finish their investigation. The last time we spoke on XX/XX/XXXX, they said they need 8-10 more business days to investigate!
Note : Attached is the formal letter I sent to HSBC headquarter using certified mail. The reference number of the case they opened for investigation is : XXXX - XXXX.
|
| 05/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
At XXXX, I received a phone voicemail from my XXXX XXXX to call back.
" Please do not disregard this message... I'm calling to verify a current address as were as a place of business address to proceed against you at this time. You are forfeiting your right to take care of this matter. We will contact your human resource department to follow proper protocol and procedure to move forward with the next steps. Again, the client is willing to rectify this matter they hear from you today, their number is XXXX and reference your client number XXXX XXXX and ( XXXX ) this my final attempt. You've been officially notified '' At XXXX on XX/XX/XXXX, I received a phone message from XXXX from XXXX XXXX XXXX immediate contact about an outstanding balance with HSBC XXXX XXXX XXXX.
I called the number and spoke with XXXX XXXX from XXXX. XXXX and he stated that I had an outstanding balance of {$1500.00}, with the option of litigation and collections of garnishment of wages. He provided me with only XXXX option, pay {$1000.00} within the end of the day or receive garnishment litigation.
I informed him that I didn't have any money to make any payment until XX/XX/XXXX, but he didn't want to accept and instead informed me that litigation will proceed.
I then contacted HSBC, or which I never had any account, and confirmed that my personal information was not in their databases. No social security number, no phone number reference, and no address cross reference.
I then contacted XXXX XXXX and the phone went directly to XXXX. He said that the reason why the information from HSBC was sold to XXXX XXXX already for collections. I asked him for documented mailed announcement before a review of the claim, and he stated that I was to provide a credit card number before he would provide the documented information. I then did a quick credit history and there was no information of HSBC on my credit history. I then informed him that I had discussed the matter to HSBC and he informed then that litigation and garnishment will proceed and told me to have a nice day.
I see this as a scam, because I haven't been eligible for any credit cards since pre XXXX 's. I've used only XXXX Debit card from XXXX bank since XXXX and do not see any validity to the claim that I am owed any about because I didn't have any account with HSBC.
The person is XXXX at XXXX XXXX at XXXX.
|
| 08/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XXXX XXXX I am recently divorced, without a Divorce Settlement, at the present time. Divorce has been dragging on for XXXX XXXX years. The Mortgage Company, for the jointly owned residence has been less than fair and have failed miserably to their own privacy laws. They have let my ex-husband call in and change the mailing address for mortgage account information 3 times, in which they rang pre-arranged payments, made by myself, who lives at residence, in my ex-husbands name on an account he has never been on. My personal checking account. They then sent him letters, with my banking information on them, at his new address, with his new girlfriend. The payments that were sent through in his name where sent back, as stop payment. I had to pay XXXX dollars more each payment, because of that, which was their fault. I have already went through the loan modification process with the Mortgage Company and ended up owing XXXX dollars more a month, now another XXXX dollars to that. Where did that help?
Since my ex-husband has messed with account information. There has been a court ordered Protection Order set into effect, on him. The Mortgage Company has been notified, notified, notified and notified about the situation and that I reside at residence and my personal financial information, is my privacy. Since my banking information was given out to my ex-husband, I felt I needed to set up new accounts, for doing my personal financial business. The mortgage Company was sending payments thru on unauthorized dates, on the account that was compromised, by the mortgage company. Have experienced overdraft fees and stop payment fees, because of their actions. I did n't even know if my other monthly bills would be sent back, because of the mortgage companies action, because of their unfair methods of doing business.
I called mortgage company and tried to give them my new banking information, but they refused to take it and now need a letter, giving them permission to send payments through on new account, that I felt had to be done to protect my personal finances. Why would I be contacting them and try to set up payments, only to be refused and oh now you owe more money, because of their way of conducting business. No one should have to put up with this, from any company and especially the unlawful practices, from these companies ... ... ... ... ... ....
|
| 07/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2023 I made a mobile check deposit to my HSBC checking account. The check deposited was for about {$600.00} and it was a company check issued by XXXX bank. That same evening, I tried to sign into my HSBC mobile app and was unsuccessful due to my account being suspended. After several unsuccessful hours of attempting to reach XXXX, I was finally able to reach someone and was told that my account was blocked due to my mobile check deposit and that Id have to call back the the next day.
On XX/XX/2023 I called the security department at HSBC as I had been advised. It took me five attempts of calling and being transferred to various departments before I finally reached a bank representative. The representative was less than helpful and told me that I would regain access to my account after they finished their investigation and verified my deposited check which could take 5 business days.
I then contacted XXXX XXXX, XXXX XXXX Relationship XXXX as well as XXXX XXXX, VP via email and copied XXXX XXXX, XXXX. Hours later, I received the following response from XXXX : Thank you for your email and I understand your frustrations. Unfortunately, I cant remove a block placed by our Security Team and the Security Team will need to complete their investigation. I have logged a complaint on your behalf, XXXX and the XXXX XXXX can be reached at XXXX, Monday to Friday from XXXXXXXX XXXX XXXX to XXXXXXXX XXXX XXXX
I replied to XXXX and left a third voicemail, asking her to call me. I explained that I certainly can understand HSBC holding the deposited check funds until they successfully verify that it is a good check. However, what is not acceptable is that HSBC has blocked me access to all of my funds including my payroll direct deposit that will be deposited this week.
Due to the suspension of my account, my family has no access to any of our funds. Im unable to pay my mortgage on time or even buy groceries for my children. I have been a good customer of HSBC and have direct deposits every month that range from $ XXXX $ XXXX. It is appalling that HSBC would block me from accessing any of my money while they investigate a valid XXXX bank check. It is also appalling that HSBCs security team that placed the hold is impossible to reach directly and that Im advised to wait the length of the investigation. This is unethical and not acceptable.
|
| 09/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
This complaint concerns HSBC.
A promotional offer by HSBC was made inXX/XX/2018, Open an HSBC Premier Checking account and deposit {$100000.00}, within a 30 day period of opening the account and leave the {$100000.00}, in that account for a period of 90 days and then HSBC would pay a {$750.00}, bonus within a 8 week period.
I opened a Premier Checking Account on XX/XX/2018, with a small deposit of {$10.00}, on XX/XX/2018, I deposited an additional {$100000.00}, in this account and the amount of {$100000.00}, plus a small amount of interest remained in this account until XX/XX/2018, when I withdrew {$100000.00}, well beyond the required 90 day period to qualify to receive the {$750.00} bonus, as of today, that is well beyond the 8 week period of time that HSBC said that the {$750.00}, bonus would be paid to me, I have not received the {$750.00}, bonus and I have invested more than 8 hours of my time on the HSBC chat room, emailing to my HSBC personal banker, and telephone conversations trying to resolve this matter, all I have been offered by HSBC is excuses and emails that said I did qualify for the {$750.00} bonus but they have only offered the excuses of it's a computer systems problem, to they don't know why and that the {$750.00} bonus would be deposited in my account no later than XX/XX/2018, as I said I have not received the {$750.00} bonus as of today, I have all of the direct emails, and the emails from the HSBC chat room are in my posession, the recorded telephone conversations with HSBC are stored on the HSBC recorded telephone conversation system database, I am willing to give these to any person that is qualified and authorised to see or hear them, and I have all of the names of all of the HSBC employees that I have been in communication with in an attempt to resolve this matter, I was contacted 12 days ago by a senior HSBC employee, XXXX XXXX, by email and she offered to discuss the situation with me if I desired that, I have contacted her numerous times by telephone and email and left voicemails and emails to talk to her but she has never contacted me back at all, other than the 1 email she sent to me 12 days ago, I went through a lot of aggravation and effort to scrape together the {$100000.00} so that I would be able to obtain the {$750.00} bonus offer and the people I received this money from have lost faith in me.
|
| 03/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Complaint, Resolution needed Consumer of : HSBC, XXXX XXXX XXXX., New York, NY XXXX Good Afternoon : After a very cumbersome account set-up process, over the course of several weeks, including endless codes and security measures resulting only in a loss of my time, HSBC has now blocked my account online and is using " security '' as justification for terribly deficient service. And the account is anything but secure. On XXXX, I was finally able to access my account online. While I was in the system, I changed my address. It was not critical, as I elected online access, but when we move we change our addresses. On XXXX, I received an email with a verification code and was asked to call. I did and eventually was able to provide this to the representative. He then abruptly moved the " goal post '' asking if he could call me back to verify. The code was unusual, this was more unusual. I gave him my new phone number, entered into the system by me, computer addresses are recognized now, the night before. He returned my call only to tell me he would have to send verification to my old phone number or, as I learned, there is a phone number ending in XXXX in the system -- not mine or one I have any knowledge of whatsoever. What happened to the security code? I later talked with his supervisor who went into an interesting explanation of address verification via credit reports -- as if we check in with credit bureaus before changing addresses. To date, HSBC will not change my phone number or address and claims that they can only verify the address change using a phone number that is no longer mine or the one that was never mine ( ending XXXX ). Today, they continue to completely block me from my account. I see online that people are withdrawing their money from the new accounts without the promised promotion -- and I'm sure the withdrawal is no easy task. I need your help resolving but I do hope you will also keep in mind that they may well be leveraging government " money laundering '' concerns to hang on to assets, that I can't see, and as a distraction to paying promised promotional monies ( my exasperated neighbor was told that they would not be receiving a {$400.00} promotion because of some obscure problem with the online application ).
Thank you for assistance, XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
|
| 07/18/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
A while back I had received a phone call at my work saying that there was papers to be served to me and a possible warrant. They Claim they are calling from HSBC Legal department handling the debt account. They to call and leave threatening messages.
I can send you a copy of the voicemail also the gentleman I just spoke to his name was XXXX phone numbers to XXXX XXXX XXXX. He said he is the office that has the document to serve me however will not give me any information and redirects me to the legal office at a XXXX number which unfortunately he hung up before I could get. But I could pull from a previous voicemail XXXX. Case number XXXX. When calling that number they placed me on hold for several several minutes telling me that they had sent the paperwork over to the XXXX XXXX County courts and that they had to personally search for the hard copies to find out what was going on with my case when she came back on the line she told me it was for an HSBC account we 're over {$1000.00} was due and that did not include attorney or court fees. When I asked her how come I receive phone calls way back a couple months ago and I 'm still at the same address and still at the same workplace and have yet to be served she wanted to confirm the address that they already confirmed previously. When I told her that the address was in fact correct and nobody has ever come she could not give me an answer as to why other than she was going to try to expedite it. Now here 's the thing the address they have is in XXXX County not XXXX XXXX County so why would be served in XXXX XXXX County I do not know. The woman I spoke to claim to be in litigation and when she answered the phone call she answered with before providing me and him any information that this phone call will be monitored and recorded now I do n't know if that 's normal for law firms or not.
When they called my work they asked my boss their policy for serving their employees at work. Which thank XXXX I work for awesome bosses who did n't fire me because of this.
If they are a creditor HSBC and they 're using Scare Tactics or harassment like that it is illegal and violating FDCPA. IF they are not HSBC then it is a company to which HSBC sold the information to and they should still be held liable for passing my information on to such a harassing company that uses illegal means to obtain money.
|
| 08/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I responded to HSBC 's promotion and opened an HSBC Advance Checking account in XXXX of 2019. Received an email that they processed my opening deposit on XX/XX/19. The promo stated that I had to keep the funds in for 90 days. Then, HSBC would take " up to an additional 8 weeks '' to deposit the {$350.00} bonus amount. So, the timeline would take us to end of XXXX 2019. I called and emailed in XXXX. Nothing happened. I called an additional 3 times and emailed in XXXX and XXXX. The bonus should've been deposited by XX/XX/19!! I spoke to several people including supervisors. The names are XXXX, XXXX ( supervisor ), XXXX ( supervisor ) and today on XX/XX/19 XXXX. All emails responses and all phone calls ( which lasted about 45 min. each ) rendered absolutely no resolution OR timing. In fact ( and these calls should all be recorded and verifiable ). I was told that the Marketing Dept. was responsible for the Bonus but they were not allowed to contact them nor was a customer. Here I sit as a very frustrated and psychologically abused customer with no idea when or if my funds will be available. It's been an additional 6 weeks on top of the 90 days + 8 weeks. Each of the email responses I received within my HSBC account website states that their " Management Team '' is working on it and needs more time. MORE TIME? This is a simple digital and electronic transaction. What is their " Management Team '' actually working on. Really! Were they " all '' hit by a bus. This offer was completely misrepresented and fraudulent. They seem to keep the customer in a black hole while they maximize their float income and take advantage of their customer. Unable to contact anyone at the organization with any authority to resolve this AND THEY stated that there is no one else I can contact. It's now about 6+ months waiting while I earn about .01 % which I did not see in any fine print! Is this blatant manipulation of the customer so HSBC can squeeze every last penny by delaying any contractually required payment. Total misrepresentation and pathetic customer service which HSBC claims in World Class! How do any of the regulators let them get away with any of this. Help me understand why with all the noise about more and stringent banking regulations to protect the depositors, I still can't get any resolution, timing or speak to anyone with authority!
|
| 12/23/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
i really dont know where to start but im not really happy with my mortgage financial company i have been with hsbc for 14 years and this last 2 years has gotten crazy i had problems with them since day one but this is getting very stress for me, so here i begain XX/XX/XXXX i paid my house payments and XX/XX/XXXX i went on vacation and my husband XXXX had called me and told me that hsbc called and said that i hadnt made any house payments since XX/XX/XXXX so i proceeded to call them and they said no they didnt say that and so i got it straighten out and thought we were doing ok for year XXXX XXXX at the beginning of the year i recieve my bill in the mail like my first statement for XXXX so then a few weeks later i got a bill for XXXX i proceeded to pay it then i thought very thing was ok no phone calles no lettters until XX/XX/XXXX XXXX i started getting foreclosure notices and i called and they said we were behind 6 month of payments and i told they needed recheck the records and so i didnt want to fight with them i cried and had to tell XXXX and so i agreed to pay a payment of XXXX and they also said i wasnt making the full payemn of XXXX i never reicieve a notice i was going to refiance and ran into errors they hsbc hadnt put it on our credit for 1 year i called and asked why and they told me that they havent done it for a year so i had got an email from XXXX and and i called and they put it back on my credit and they insisted that i was 3 months behind i paid the XXXX and i asked when it was going to going to be posted and they told me that day and as of today XX/XX/XXXX, its not been posted and i have to do a phone conference with XXXX on XX/XX/XXXX so she can do a defered payment and she asked when i would make the XX/XX/XXXX payment i told her on jauary XXXX and im calling that payment so i can get a reference number this has cause me so much stress i had to put a hold on paying other bills, and the broker called me and told me he couldnt refieance me for another year and with them hsbc changing my payment date from the XXXX of the month to the XXXX of the month is going to show me late and they have showed on my credit from day one that i was always late because they would hold the payment for 2 or 3 weeks they are a really hard fianacial company to work with im XXXX and want to refiance but they are ruining my credit
|
| 10/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
HSBC US is, in my opinion, behaving in a discriminatory fashion in refusing to open a checking account for me, a licensed U.S. Attorney. I am an XXXX with extensive business experience in XXXX. In XXXX I visited the HSBC Branch on XXXX XXXX ( XXXX ) and XXXX XXXX with company documents, the necessary identification, and EIN documentation. Thereafter, I was invited for an interview. I spoke about my business accomplishments in XXXX and what I was trying to do -- set up a transcontinental airline. After the two hour interview, I did not receive so much as a letter indicating the status of my application.
In XXXX XXXX, I decided that I would go to HSBC XXXX XXXX, as I did not want to deal with the unprofessional people at XXXX XXXX Branch. To my surprise, the same lady, XXXX XXXX, was the branch manager there, and said she would get back to me. Bear in mind, this is to open a simple checking account. I provided Certificate of Good Standing as a XXXX, XXXX, XXXX, proof of registration from the state of Maryland, and XXXX Identification Number. After a few weeks, still no answer so I worte to XXXX XXXX, and told her that I thought her treatment of me was highly discriminatory, and that I would take legal action if they do n't get their act together. She referred me to XXXX XXXX, XXXX at HSBC in New York. This time he said that all accounts having to do business with XXXX ar high risk, and that he woud take the pressure of of XXXX XXXX and send it to their compliance department. I reminded XXXX that the United States recently reapproved the XXXX Gowth and XXXX XXXX ( XXXX ), which was designed to encourage trade between XXXX and the XXXX. I also reminded him that the XXXX bank of the United States is providing millions of dollars in credit guarantees to XXXX companies purchasing U.S. manufactured goods, and that the XXXX XXXX XXXX XXXX ( XXXX ) was providing millions of US Dollars in project finance to companies overseas in which an American citizen owned at least 30 % shares. Therefore, I proffered, how could HSBC have such a policy that discriminated against an entire continent of XXXX people, and why have they reduced to address the issue of opening the account by putting something in writing. If find the entire treatment unacceptable, discriminatory, and illegal, and I want the necessary action to be taken against HSBC US.
|
| 11/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I opened an advance checking account with HSBC online on XX/XX/062018 for the welcome award they declared to all the advance checking accounts opened by XX/XX/2018. The requirements were to keep a balance of {$10000.00} for 90 days from within 30 days from the opening day. My account balance on the account as of XX/XX/2018 was {$10000.00}. HSBC was supposed to deposit {$350.00} into my account after 90 days from XX/XX/2018 and another eight weeks. I called HSBC customer service in XXXX just to make sure that the account has met the online requirements in opening such an advance checking account and the customer service representative assured me that every thing looked good and I can expect the award money into my account after the specifined days ie. 90 days plus eight weeks. When I didn't see the {$350.00} not deposited into my account even on XX/XX/2018, I called HSBC. The representative told me that It was not opened properly and I told her that I called in XXXX third week and got assured that it was done correctly. However she said that she will escalate the complaint and somebody from HSBC will call me. Nobody called and make several calls after that. Repeatedly I asked them why don't they email me about the process. Nothing. I withdraw {$10000.00} from the account because it doesn't earn any interest sitting there. When I called on XX/XX/2018 to request to close the account, the representative told me to keep the account as the complaint is escalated and they are looking into it. I asked her as I had met all the eligibilities and they know my address once it is approved why can't they mail me the check. She said that they don't do that!
So I kept the account with a balance of {$100.00} from XX/XX/XXXX. Last week somebody called me to tell me that the account has to be in good standing to avoid the monthly charges. I am at a loss to understand why they are taking this much time to deposit the {$350.00}. Today, XX/XX/2018, again I called them and found that already a fee of {$25.00} had been charged to my account as monthly fee because it didn't meet all the requirements for an advance checking account. She told me that four weeks from XX/XX/2018 {$350.00} will be deposited into my account. Because of all the things happened, I have to wait and see whether that will happen or they come up with some other excuse.
|
| 07/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I 'm first unsure about the dates because this has been an ongoing ordeal dealing with Beneficial. About 5 years ago I had a loss in income which cut my salary down to a point I could barely support my family. I have XXXX children and I was seeking modification of a home loan at which I was paying and to this day is still paying at an interest rate of 12.12 percent. When I refinanced with Beneficial about 9 years ago I was very naive about the process and the in and outs of the home mortgage industry. I felt at the time I was uneducated in the process and struggling to understand the benefits and process. I know now that that the person that was working with me was thoroughly taking advantage of me. I spent time trying to consolidate my bills and to try to make just one payment to one company. The person gave me no money for the equity in my house but paid all the credit cards I had at the time off ( which totaled about {$4000.00} ). I had pretty good credit and I do n't understand why my interest rate is so high. Throughout this ordeal I found that I was unable to make my mortgage payment once in two different years and I resumed the payments once I was able to. I asked for modification of the loan each time and asked for help on more than one occasion and the company refused to offer any assistance. I did find on my statement that this company has created some account ( Outstanding Deferred Interest Balance ) and doubled my monthly mortgage each time. There was no discussion with me when this account was created. Along with that my mortgage payment has increased each year based on what is owed on my home insurance which is built in. Each year I get a letter telling me my escrow does n't have enough to cover my insurance principal. The letter tells me if I pay a certain amount my mortgage payment will not change. Well I paid the extra money this year and my mortgage payment still went up. This company has n't been very fair with me over the last 9 years although I have paid in good faith even though I now know I was taken advantage of. I tried to refinance my home mortgage last year and found that I 'm in such a hole with the way they have set me up that I was told that in order to refinance that I would have to bring {$20000.00} to the table to be able to refinance. I desperately need help dealing with Beneficial.
|
| 02/02/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
On XXXX/XXXX/XXXX I tried to deposit a check through the HSBC mobile app on my cellphone. I received a message that it was unable to process my request. I went directly to my local branch and I deposited the actual check. On XXXX/XXXX/XXXX I received a debit from my checking account basically noting an error occurred for a duplicate check deposit. ( Apparently the mobile check was processed ). On XXXX/XXXX/XXXX HSBC corrected the error and debited my account to correct the error. Now, here occurs the problem, on XXXX/XXXX/XXXX I received another message/debit stating the same error message I received back on XXXX/XXXX/XXXX referencing the duplicate check from XXXX/XXXX/XXXX was deposited twice and HSBC was debiting my account to correct the error. This error had already been corrected so I stopped in to the XXXX NY HSBC branch. A representative by the name of XXXX pulled up my account and said she did not see the error. She explained I must have shaken the phone to have made the duplicate deposit. I tried to explain the backstory, she did not listen and tried to say it was a User error. I tried to show her the transaction on my phone and point out the discrepancy but she simply said her computer did not reflect any errors. She said when she went to her " home '' branch on Monday she would look into further. XXXX/XXXX/XXXX Monday I received a call from XXXX saying she saw no discrepancies on her end. I asked to speak to her supervisor and she said she was the supervisor. I told her this is unacceptable becaus it clearly shows XXXX debits from my account. I went on to try and explain that only XXXX debit was needed to fix the error. We went back and fourth and finally I told her I would escalate this through corporate. I was not getting any assistance from her. I called HSBC XXXX and was told by the represenative on the phone she could see the error and she would process the request to have it resolved. However, based on the correspondence with " XXXX '' the XXXX NY branch service manager I would like to have this escalated to ensure it is properly corrected in a timely time frame. The contact I have for XXXX is XXXX. I feel it is necessary to point out that XXXX was very rude and condescending. I will be looking into switching banks based on her poor customer service and Unprofessional attitude in this matter.
|
| 01/23/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American, Servicemember |
|
An email from the CFPB Ombudsman 's Office stated that : " we understand that your Mother submitted a consumer complaint through an interpreter provided by the CFPB, but that some of the complaint was left out in what was submitted to the company. You also shared that the interpretation was not a very good one The HSBC Banks response reads : Unfortunately, we are unable to communicate with your son about your accounts as we do not have a valid power of attorney on record for him. Were unable to accept the one provided with your complaint because it is for an individual named XXXX XXXX.
XXXX XXXX, my husband, passed away in XXXX. XXXX XXXX, one of my children, has a valid power of attorney now ( see attachments ).
I do NOT believe that the closing balances of my accounts was {$1700.00} because I was NOT allowed to access my online accounts to cross check the closing balances with my records.
According to my records, which include the paper statements, {$1500.00} was already missing from my bank accounts when HSBC closed my accounts in XX/XX/XXXX.
Also, there was around {$170.00} in Rewards missing from my HSBC credit card account when HSBC closed my accounts in XX/XX/XXXX. The Rewards in my credit card account should have been credited to my HSBC bank accounts ( see attachment ).
As I emailed Mr. XXXX XXXX and Mr. XXXX XXXX on XX/XX/XXXX at HSBC, I need the following six numbers from my HSBC accounts. For simplicity, the total numbers do not need to be itemized, and the numbers may be rounded down to the nearest dollar : 1. The total number of my check deposits and their total dollar amount 2. The total number of my cash deposits and their total dollar amount 3. The total dollar amount of my XXXX deposits 4. The total dollar amount of my bank transfers ( i.e., to and from XXXX XXXX, etc. ) 5. The total dollar amount of the monthly charges and/or late fees 6. The total dollar amount of the interests from all of my HSBC accounts On XX/XX/XXXX, Mr. XXXX XXXX emailed me perfunctorily regarding the above request/numbers, but he failed to get back to me ( see attachment ).
I ask HSBC not to send me any indemnification provisions unless the missing {$1500.00} can be accounted for.
Please see the attached letter for the details of how HSBC has violated their own zero tolerance policy for discrimination.
|
| 10/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I have been scammed by a company called XXXX XXXX for a data entry job. I was giving a check to deposit to my account for the equipment that the company said I have purchase once the check deposit. On the second day before the check cleared I texted my bank HSBC on their online chat, telling them that this maybe a bad check and how do I stop it from depositing or can someone help to figure this matter. The agent told me that the check was okay and it is already deposit and that nothing is wrong with the check. I told them I feel like I have been scammed and I am not sure what to do about this situation. HSBC agent never once told me or guided me about anything instead they assured me everything seemed okay. But I had a bad feeling inside, then I had turned down the offer for the position and told them I was no longer interested, the guy name XXXX XXXX from XXXX XXXX yold me I have to return the money back to the supervisor immediately. This is the third day, once the check had deposited not once the bank notified me that the check was a bad check, I never been in this situation and didnt know what to do so I rewired the money back to his supervisor for {$3300.00}. This happened on XX/XX/XXXX, and the rewire was supposed to go through by the XX/XX/XXXX the bank confirmation said. But not once the bank called to tell me that this check was a bad check. On XX/XX/XXXX I went to check my account to see the updates. That is when I tried to login into my account, and was not able to login. I called the bank after being rerouted about 12 times that is when I got of hold of someone from the fraud team and they told me that the check was a bad check and now I have a negative balance of {$3300.00} in my account which is why they closed my account. I have to now pay the bank {$3300.00} which I dont have at all.. when all this time I did this for a job. I have never been in this situation, I have been victimized in this situation and the bank is now telling they can not help me even though I have been scammed, apparently it is too late. I dont have the money or a job I told them many times the agents were not clear on their end as many times I told them I felt like this was a scam and how to handle the situation. I dont know what to do next. Especially in these hard times when I can not afford to get a job. Please help.
|
| 09/04/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
Servicemember |
|
I opened an account with HSBC direct savings on or around XX/XX/2019. Application id # XXXX. I was told that additional verification was needed to determine my residential address. I was asked to submit a utility bill for verification of residential address. I submitted a copy of my electricity bill on XX/XX/2019 via email. When they got the bill they started making excuses that the bill was not right. Now they started questioning the balance on the bill but it was not anymore about showing " residential proof ''. I was told that because my bill had a balance that my application for a savings was being denied. I was surprised and confused at first. I did not know that because of my balance I could be denied and I was never told that a bill without a balance was needed. I mean who has utility bills pending and there is no balance or pending payment coming up? Is ridiculous. I am convinced that this bank HSBC found an excuse to deny my application without justification for the sole purpose of " DISCRIMINATION ''. I don't believe this bank and I think they are using racial profiling to discriminate about certain individuals based on race. I will provide a copy of my bill and there is nothing wrong with my utility bill except a balance coming up by the end of XXXX. After talking to XXXX over the phone on XX/XX/2019 at XXXX I was told that my application was being denied because there was a balance on my account and also a late payment fee on my bill. About 10 minutes later I got an email saying that my application was being denied because " they were not able to verify the address of the applicant ''. Just to cover themselves they sent this email explaining other reason for the denial. This whole process smells fishy to me and I don't trust this bank and I know they are not following proper rules but discriminating against XXXX applicants. Is just not a sufficient reason to deny my application because there was a balance. There is got to be a more serious reason and they don't have one to explain. In conclusion HSBC Direct Savings is a discriminatory branch against XXXX is my conclusion with no basis for denying my application. Is ok if they don't want my money but they have to have a valid reason and they don't have one. I have provided copies of correspondence on this complaint for evidence purpose.
|
| 03/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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I recently opened HSBC XXXX XXXX XXXX XXXX Credit Card. One of the main reasons was because of the free airport lounge access feature provided by XXXX. After accessing several airport lounges with the credit card, I was surprised to find the charges on my credit card statement. XXXX XX/XX/18 {$54.00} and XX/XX/18 {$27.00}. When I called HSBC to dispute these charges, I was told that I had to go online and register with XXXX before I can access the airport lounges. I did not see that requirement in the guide to benefits and terms & conditions ( will attach below ). I also called HSBC before my travels to confirm how to access the airport lounges and was told by customer service I only had to present my HSBC XXXX XXXX XXXX XXXX. Below is the email I sent to HSBC : Dear Customer Relations, I am very disappointed with the XXXX XXXX XXXX. One of the main reasons I switched to this card was for the airport lounge access. This is what is stated in the guide to benefits : " Before traveling, clients can log on to the XXXX Airport Experiences provided by XXXX website or access the smartphone app and view a list of participating lounges. '' This is exactly what I did and went to the participating lounges on the XXXX website.
The guide to benefits also says " HSBC XXXX XXXX Elite XXXX credit card clients present their card or XXXX access QR code found in the XXXX XXXX XXXX provided by XXXX Smartphone app to gain admission for themselves. '' " To gain access to the lounges, a client only needs to quote " XXXX '' or XXXX XXXX XXXX at the participating lounge. Then the client simply presents their HSBC XXXX XXXX XXXX XXXX to the lounge operator or present their XXXX Access QR code. '' I presented the HSBC XXXX XXXX XXXX XXXX. I do not see anywhere in the guide to benefits, that says I must register with XXXX or must download the app. I also called HSBC customer service before my travels and confirmed to gain access to lounges I need to simply present my HSBC XXXX XXXX XXXX XXXX.
I believe this is fraud and misrepresentation and HSBC should refund the lounge charges. I will be filing a complaint with the Consumer Financial Protection Bureau and pursuing a class action lawsuit. I don't think I am the only premier card holder affected by this. I will take my banking business elsewhere.
Sincerely, XXXX XXXX
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| 04/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
Good day Sir/Ma'am, how are you hope all is well, My name is XXXX XXXX , I'm writing this complaint letter in hopes of getting help from your agency to get my issue elevated to HSBC 's executive office and receive my sign on bonus of {$500.00} ( welcome bonus ) .I believe your agency is empowered to take needed action and get a resolution as soon as possible.I trust your agency that this issue would be completed in timely manner.Anyway I took advantage of their sign up bonus promotion back in XXXX XXXX so I attempted to sign up for a new checking account # XXXX, I set up direct deposit of $ XXXX with a reference # XXXX from HSBC 's website, per conversation with HSBC and XXXX XXXX reps. the automatic deposit was set up correctly and all was good.FYI I left more than enough to cover the 3 consecutive months direct deposits, this was back in XX/XX/XXXX, and so I thought, little did I know after their waiting game of 4 months, they failed to credit my premier checking account the {$500.00} sign on bonus ( instead they gave me XXXX cents and email survey ) I then realized this promotion HSBC was running at that time was more like a lead on bogus and not sign on bonus.It 's unfortunate burden falls on me to spend countless times/hours speaking with their customer reps. ( At this # XXXX spoke with XXXX XX/XX/XXXX she said to call the other dept.I did and spoke with XXXX he said somebody from higher up will be getting back with me within XXXX hrs in which never happened.HSBC other # XXXX today XX/XX/XXXX spoke with XXXX after I told him what happened and get status of {$500.00} sign on bonus, he just breathes on the phone and not say anything so I then hang up after I kept saying hello repeatedly without any help but a complete waste of time ( this money on XXXX XXXX bank I left aside would've yielded 4.1 % if I left this money on my other bank, not XXXX XXXX ) Needless to say writing this complaint letter to send to your agency and HSBC survey dept.to leave my feedback out of my busy schedule to get your agency involved in hopes to get this resolved ASAP.At this point I'm patiently waiting for HSBC 's response and resolution.If you need to reach out for question/clarification XXXX feel free to call me @ XXXX or via email : XXXX you for your involvement with this XXXX a great day.God bless!
|
| 01/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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My wife and I have a checking ( current ) bank account with the HSBC in XXXX XXXX. We are XXXX citizens. This account has been operated by us for the last 8 + years and never had a problem. The reason for having the account was to receive monies from tenants occupying our property and of whom live in the US. In XXXX one female tenant ran into rent arrears to a total of XXXX USD. She was given an account of the arrears prior to this and eventually on XX/XX/XXXXafter many texts to her and receiving her admission to pay same she paid that sum in 3 transactions= XXXX & XXXX USD onXX/XX/XXXX to complete the transaction. Two and a half months later, on XX/XX/XXXX, she drew the money from our account and had it returned to her bank thXXXX XXXX XXXX XXXX. She did this by presenting a Letter of Indemnity through the XXXX XXXX XXXX to the HSBC 'ACH ' department of which automatically returned the sum which was legally ours and not hers. The HSBC never contacted us to check with us and my efforts to achieve some form of explanation and apology have fallen on deaf ears. After many telephone calls from the XXXX to the HSBC being passed from 'pillar to post ' along with recorded calls we eventually spoke to a Relationship Manager who identified with us that the HSBC should have contacted us and he stated he would escalate the complaint. We have heard absolutely nothing and the person has failed to answer our emails. This is unprofessional conduct. Quite simply we would like that XXXXUSD compensated for in full due to negligence on the part of the HSBC along with compensation for all the distress and grief we have been put to. We want to know what the policy of the HSBC is in such circumstances and whether that has been breached. This is of major importance to every HSBC account holder in the US. The HSBC XXXX stated that it was their policy to always contact the account holder before releasing monies and their belief was that not only is it logical and common sense to do so but that the HSBC US would have to do the same. If not, then every account holder in the US should be informed of this anomaly in which case your money is not safe with the HSBC. We ask that we be fully refunded and compensated for all this trouble we have had to go to. Should this occur it will be the end of the matter.
|
| 02/01/2016 |
Yes |
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- Taking/threatening an illegal action
- Seized/Attempted to seize property
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Web |
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Previous application : Your submission, [ Case number : XXXX ] Received mail this weekend that was apparently sent XXXX, XXXX, from XXXX XXXX XXXX who are restating the facts without answering the allegations.
Bk Discharge was received in XXXX, XXXX all creditors were listed. XXXX XXXX XXXX, XXXX is now Pursuing me for the Debt, but they say Lien or security interest, when I have not done any business with them.
They did an illegal transfer of assignment while in BK court, have not answered the previous complaint to this Bureau or my concerns. Brought them into BK court again, for sanctions and violations. The Case was dismissed on XXXX XXXX, XXXX.
XXXX XXXX XXXX, XXXX and HSBC are Servicers acted as Debt Collectors and never proved, verified anything except a copy of the Note and Mortgage that was NEVER signed to them. These criminals seem to be making money over and over violating the rights of man and woman and displacing families with no authority.
This claimant is asking for a higher Authority to make them verify and prove there allegations. Especially when the Note and Mortgage travel together. Their proof is sending the Note and Mortgage/Deed over and over. Proving more and more that their names are not parties.
Claimant proven over and over that XXXX is only Nominee and has no authority to assign and transfer.
Now, I am faced with Eviction for a discharged Debt. XXXX XXXX XXXX, XXXX is not a Creditor. XXXX XXXX was operating under another Trust which was closed XX/XX/XXXX. Now, they are operating under another Trust and I am the only one asking questions.
HSBC did not have interest so, how could they pass interest to their family XXXX XXXX XXXX, XXXX Why does the fraud end.
Liens are security agreements and do not carry a monitory amount with it. They are separating these documents and illegally going against the FDCPA and the UCC without proving anything.
Now coming after my property without proper verification.
HSBC could not prove XXXX XXXX XXXX, XXXX XXXX prove because they are a servicers XXXX XXXX alleged Trustee is using another private Trust XXXX MASTER PARTICIPATION TRUST. instead of the XXXX XXXX ASSET BACK TRUST ( original ).
At no time have either parties proven anything, through their alleged attorneys XXXX XXXX and now XXXX XXXX, XXXX.
|
| 03/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX Nevada XXXX Re : department collections attempt that is staturiel time barred To Whom This May Concern, I, XXXX XXXX, received several phone calls regarding a debt that is being claimed against me. I sent this company 3 certified letters, Re : CEASE AND DESIST ADDENDUM, attempt that is staturiel time barred and requested a verify the total debt amount, including any fees, and who the original party that is making the claims, Its successors, and - or assigns. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) called me and Threatened to sue me they refused to talk with my lawyer. the creditor told me that I had till Monday to respond other wise they are taking me to court. XXXX XXXX XXXX XXXX XXXX told me the dates of this dept was from. XXXX, XXXX and XXXX.
The earliest point at which you could have sued for the full balance owing to this debt was more than six years ago. I told them this account is staturiel time barred.
On XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) I called back and I told XXXX that the call was being recorded and that I needed i needed more information, She told me that after our conversation that this account has been moved to the fraud department. She said that she didn't have much information regarding my account. I asked for the mailing address.
I do not admit liability for this alleged debt, and I do not intend to make any payments to for the following reasons : The earliest point at which you could have sued for the full balance owing to this debt was more than six years ago No payment has been made to this debt by me, any joint account-holder, or any third party acting as my agent for a period of more than six years No written admission of liability for this debt has been made by me, or any third party acting as my agent for a period of more than six years.
This debt is therefore Statutory time barred and any court claim to recover it will be defended on this basis.
If you have evidence that this debt isnt statutory time barred, please send it to me within 21 days from today. Otherwise, please confirm in writing that you wont pursue me any further for this debt Thank you for your help.
|
| 07/03/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
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This bank is being run by ignorant XXXX. Not only they are XXXX XXXX XXXX, they lie to the customers on top of that. I called this lousy bank in XX/XX/XXXX to inquire about the XXXX form as I had received an account opening bonus from this bank last year and as per their own terms and conditions, it was supposed to be considered interest and I was supposed to be issued an XXXX form for that. I mentioned all of that to these XXXX but they lied to me and said there was no XXXX form issued for me. And guess what, after the tax filing deadline, these XXXX mailed me a XXXX form along with a letter which basically said that the are sorry that they do n't know how to run a bank. The letter said that they will reimburse me for the costs for refilling the taxes. and I need to call XXXX XXXX XXXX for assistance. And here is the fun fact. I have called that number numerous times to get so called " assistance '' and here are the various outcomes.. Whenever I call that number, these XXXX XXXX XXXX still insist that I was not issued a XXXX form for XX/XX/XXXX even though I have a physical copy of that and their so called " apology '' letter in my hand. It takes me at least an hour to convince these XXXX that they infact issued a XXXX after the tax filing deadline. So even though they apologized to me for sending me the XXXX late, they still insist that it does not exist Whenever I ask for a supervisor, the standard answer is that no one is available. Some supervisor will call you back soon and that never happens. Only once I was able to get a supervisor and he too insisted that there was no XXXX and after I spend more than an hour explaining to him that there was, he promised he will call me back on how I can get reimbursed. And guess what, that was about 2 months back, I am still waiting for that callback. How can you let these bunch of XXXX run a bank in US? Is n't it a crime for a bank to lie to customers about tax related issues. And even though their so called " Head of Customer Experience '' send me a so called apology letter, they still keep insisting that their is no XXXX forget about reimbursing me for having to re do my federal tax returns and returns for 2 states. Please shut down this piece of XXXX bank. And keep this complaint on their public profile.
|
| 03/31/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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|
Web |
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I opened the account about a month earlier and I contacted them initially due to account being locked by the security team. Each time it takes at least half day to one day to call them.
They locked the money transfer for the first time. They asked for another bank statement in last month. I told the agent that I don't have statement for last month ( they only provide that every three months ) and very rude disputing why I don't have it. I said I will call my the other bank and let them stay on the call together. She said that will work. However, she locked the account directly after that while I'm contacting my the other bank. However, the other agent doesn't allow the agent from the other bank to stay and insist they have to call. In short words, it disturbs my work for almost a day. I've filed a compliant within HSBC for this and no follow up.
The ridiculous thing is, my account was locked again later and asked me to verify address again using another bank statement.
Another time is asking me to print out a SSA form, I did it for them and sent back. ( I have medical condition and am risky to go to a store to print as I don't have a printer ). Later the account is locked again and later told me what I write is not clear. I emailed back twice and replied all asking do I need to print a new one or is it better to type. Nobody replies, until I called again they told me they've sent my account to be closed!
In the single month, my account is locked for four times! For at least 25 of the days, I'm not able to transfer money or access any money in my account. I filed complaint with them twice internally, nothing changed. They constantly asked for same documents on address and SSA form from security team, while locking the account totally based on their mood! ( like after I called to ask about transfer ). They said they called before locking but no incoming calls on my phone at all and there are at least four people from HSBC on the email I replied directly, no one has replied me.
I was sent a promo code to open the account with certain amount of deposit, I really don't know whether it's legal for them just to lock my account for so long without notice or maybe they want to avoid giving me the open bonus in the promotion while keeping my money there ( more than XXXX ).
|
| 07/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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( Pls note that it takes at least 1-2 hrs of waiting on the phone to reach anyone in HSBC Dispute Dept. ) On XX/XX/XXXX I notified HSBC dispute department re an amount of {$600.00} that I wanted them to put into dispute. I then received a letter dated XX/XX/XXXX confirming that HSBC had followed thru and temporarily credited my account {$600.00}. Then on XX/XX/XXXX, I went to court about the dispute and the Judge ruled in my favor that the {$600.00} ( plus court costs ) should be paid ( back ) to me by the defendant. I immediately notified HSBC dispute department ( on XX/XX/XXXX ) by phone that the court had ruled in my favor and to please keep the dispute amount credited to my account. The Dispute dept. rep. also told me to write an email explaining everything to HSBC along with copy of the court document, which i did immediately. In my email, I stated that esp. because of winning my court case, they needed to keep the disputed amount credited to me. However, despite all of this, I received a letter from HSBC dated XX/XX/XXXX, that " After careful review of your dispute, we have determined that we do not have sufficient documentation/information and are unable to purse this matter further. We have placed this charge back on your account. ''!!! I immediately called HSBC Disputes - spoke to the same rep again, and asked why HSBC HAD COMPLETELY IGNORED THE LEGAL DOCUMENT/PROOF AND MY REQUEST! The rep said they had incorrectly interpreted my email!!!! And without even bothering to ask me, decided to put the entire charge back on my account!! The rep then said I should write yet ANOTHER email telling them why THEY had made the mistake!! But then, a week later, i received a final letter from HSBC dated XX/XX/XXXX basically saying that it was too late. The defendant had cashed the money and " We have removed this item from dispute and consider it resolved. ''!!! NOW, I have started to pay legal fees to recoup the money and don't know how much I will eventually have to pay to get the money back. So besides this complaint I AM DEMANDING THAT HSBC START COMPENSATING ME FOR THE ADDITIONAL LEGAL FEES I MUST NOW PAY ( beginning with {$43.00} ) - FOR WHAT WAS A COMPLETE & UTTER FAILURE ON THEIR PART! How does such a major bank have such a dangerously incompetent Dispute Dept.???
|
| 04/09/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
HARDSHIP / LOAN MODIFICATION LETTER XXXX Hello CFPB, Regarding a mortgage with XXXXHSBC, Our family has experienced financial disaster due to the COVID-19 shut down and economic downturn there after.
We were granted the forbearance that was offered to us from XX/XX/XXXX to XXXX of XXXX.
There was NO FULL DISCLOSURE regarding the repayment of said forbearance, we did NOT sign any contract and or agreement regarding any repayment plan and or full disclosure regarding the forbearance repayment.
At this time XXXXHSBC has offered us a Loan Modification with a catch, we have to re-qualify for the Loan Modification XXXX XXXX HIGH interest rates. This seems completely unfair at this time, post pandemic.
If we do not qualify they are demanding the FORBEARANCE PAYMENT OF OVER {$130000.00} due and payable at once.
Our loan was purchased from XXXX XXXX Bank in XXXX, the loan was sold sometime after to XXXX ( HSBC is an investment company based in mainland XXXX ).
We did NOT receive notice that our loan was sold to an overseas foreign investment company ( HSBC ).
This loan should have the same perimeters, rules, regulations and guidelines as the original lender had in the original note ( from XXXX XXXX a FEDERALLY BACKED LOAN ).
Therefore the note should be honored by the CARES ACT at this time.
Our Forbearance balance is {$130000.00} to date, we do not have funds to make that payment, at once.
This property has been in our family for over 40 years, we constructed our family home in late XXXX to early XXXX.
We have been paying on this loan for almost 13 years, we have never needed to pay a late fee on this mortgage.
We do not wish to lose our family home after so many years of loving memories.
We became sick with the XXXX XXXX XXXX business has been down for months and months. To date business is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also became hospitalized with multiple conditionXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Please help us.
* XXXX HAS REPORTED THE FORBEARANCE LOAN BALANCE TO OUR CREDIT REPORT AND REPORTED MONTHS OF NON-PAYMENT. NEGATIVELY EFFECTING OUR CREDIT REPORTS AND CREDIT SCORE WITHOUT BEING IN FORECLOSURE.
We wish to be in good standing with XXXX and HSBC, any consideration would be greatly appreciated.
Please advise.
Thank you.
|
| 01/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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In XX/XX/XXXX or XX/XX/XXXX of last year I called in to HSBC to set my account up on automatic payment. The representative stated that is something she could n't do over the phone and I would have to go onto the website to print and sign the form and mail it back in. She indicated that it would take some time to be entered into the system and she would " schedule '' payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX arrived and since I had n't printed, signed, and mailed off the form I then mailed a check in, since I was told I was n't on automatic payment and I had n't submitted the form. However on XX/XX/XXXX, I check my bank statement and see that my account is in the negative. It 's negative XXXX HSBC took out XXXX payments for the month of XX/XX/XXXX. I called in and was directed to the account rep over my account, I left her a voicemail. I called in again and tried to speak with someone else, but the rep indicated the the person on my account was the only person that could help. I called in again and explain my case to another rep. since I have n't heard back from the person over my account. This rep. decided to help me, he indicated that he could see double payment on my account but I would still need to fax in proof of double payment and wait. He indicated that they would give me my money right back and the process should take XXXX days. I got off the phone with and and faxed over the requested documents. The representative of my account called me back and she stated she heard my voicemail and reviewed the notes from the previous rep and asked if I had any more questions. I asked what are the next steps. She said the team would review and determine whether they should approve or decline my case. She indicated in cases where it 's been the customers fault they would normally decline to return the money. I told her that 's not what the previous rep told me and I had no clue I was on ez pay. She indicated I could submit a letter to customer resolutions but there is nothing else she could do. So, I 've made my decisions based off false information given to me by representatives of HSBC, but yet I 'm responsible for the consequences? How fair is this? My account is overdrawn nearly {$1000.00} and I 'm suppose to be ok with this??
|
| 11/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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HSBC Platinum Mastercard XXXX So someone used my card to purchase 3 charges that were placed onto my account XX/XX/2018 XXXX XXXX XXXX XXXX XXXX More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX More info Select to Expand XXXX XX/XX/2018 XXXX XXXXXX/XX/XXXX XXXX XXXX More info Select to Expand XXXX they refuse to take this as fraud saying i need to file a police report, I filed one in XXXX and sent them the details, no response calling them XXXX XXXX in investigations no response than at the end of XXXX finally got hold of XXXX XXXX in far as investigations, says she needs the police officer handling the claim so I gave her the info. I had to refile the report since it was done online. I received no response from that date to now. I even sent letter to CEO office who sent me a letter back saying i need to handle the claim through officer XXXX, so confusing. They wanted the police to pull the video. I spoke top officer XXXX and he says that its difficult now to pull video and that he has nothing to do with it although he will look more into it. I never made these charges protected by Billing Rights and I seem to get the runaround they have placed the charges as owing on credit report and their statement when it is far from resolved. I never made these charges and I should not be suffering still after 6 months. It is not matter for to be directed to police, HSBC should resolve. This is the letter received by HSBC Dear XXXX, Your email addressed to XXXX XXXX about your fraud claim was referred to my attention. I appreciate the opportunity to provide clarification.
The transactions listed in your fraud claim were determined to be authorized and your fraud claim was declined. Attached are the documents we received from each of the merchants.
If you have any questions or concerns, please contact Sargent XXXX of the XXXX Police Department at XXXX.
Yours sincerely, XXXX XXXX XXXX Vice President Head of Customer Relations XXXX XX/XX/2018, XXXX XXXX ( 7 days ago ) to me Dear XXXX, Again, we refer you to Sargent XXXX of the XXXX Police Department with any questions about this claim. That said, HSBC respectfully declines to comment further on the matter.
Sincerely, XXXX XXXX XXXX Assistant Vice President Customer Relations
|
| 04/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
They claim they sent notification of legal action, they claim they served me and obtain rightful judgment against me. I asked them to provide proof of how they served me as I travel and no one in my home at time they claim they served me going to court for judgment. They state they placed notice on my door. I have asked them to provide me a copy of the signed contract to verify my debt and owed. They have not provided me any signed contract simply stated payments were being made for a period of time so it has to be my loan. I explained I was victim of identity theft yrs ago and I did have loans with beneficial yrs ago but paid each loan off as I did my other creditors. I was not aware of this judgment or collection debt until I went to refinance my mortgage for lower rate and savings of XXXX with refinance. They advised me of it I called the XXXX XXXX XXXX funding theu said debt now handled by law group XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX Texas XXXX. I explained I was not aware of debt let alone how a judgment could be awarded against me if I wad not advised or served to appear in court. I asked them 3x for copy of contract with my signature. I explained I had loans with them but paid out. They only send me a copy of the judgment filed against me that has has kept me from refinance. I offer to settle if they had contract with my name and could produce it just to move forward with refinance. I am asking they provide me proof this debt is rightfully owed by me producing the signed contract or they remove the judgment and reference of any such deby from my credit file and they pay me for damages if wrongful reporting a debt and judgement on my credit filr. They cost met me my refnance saving over XXXX on my finance of my house. I pay my debts and have a great credit history with my creditors. My credit score is XXXX plus being impacted by this alleged debt they wo n't prove is mine with signed contract. The collection agency XXXX XXXX XXXX is not a reputable collection agency. They have harmed several consumers with their collection tactics. I will seek legal action against them for action taken against me after I get this matter resolved. I want a signed copy of contract to confirm I owe debt or seek to be paid for damages and FDC practice violation.
|
| 02/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
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I applied for a HSBC credit card which was received in XX/XX/XXXX and was activated. I had conversation with a person at my bank and was told that HSBC customers had problems with customer service and to check the online reviews of the credit card. I checked and found out the reviews were not good. Therefore, I disposed of the card prior to making any charges. I received a bill showing that 8 purchases had been made on the card from XX/XX/XXXX to XX/XX/XXXX in the amount of {$110.00}. I attempted to phone HSBC numerous times and was placed on hold for long periods of time before I had to hang up. Finally, I spoke to a HSBC representative and was told the card had been suspended and could not be used. Based on this information, I felt I had satisfied my obligation in telling HSBC I did not make the charges and did not have the card. On XX/XX/XXXX, I received a bill for {$350.00} ( {$110.00} worth of charges and {$230.00} in fees ). The same day I called HSBC and waited on the phone 1 hour and 15 minutes. I never did speak to a representative. On XX/XX/XXXX, I wrote a letter to HSBC stating that I never used the card. I called again on XX/XX/XXXX and XXXX, XXXX. On XX/XX/XXXX, I spoke to XXXX at HSBC who told me the card had been stopped and to file a police report. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX saying this issue had been assigned to them for collection. The amount was now {$390.00}. On XX/XX/XXXX, XXXX XXXX sent me a number of statements showing the bill of {$390.00}. In discussions with XXXX XXXX XXXX XXXX I was told that if I pay {$300.00} it would serve a full payment of the charges. I responded by saying that since I did not make the charges, had spoken to HSBC and explained the situation, it would not be logical to make payment. I have written two letters to HSBC and one to XXXX XXXX. It is very difficult to speak with anyone at HSBC and this matter has become totally frustrating. Our credit rating is outstanding and we have never experienced a situation like this. I have gone to the local police department on two occasions, most recently XX/XX/XXXX, and was told they do not handle such a matter and was advised to contact HSBC Fraud Prevention. I have done this. Could you please help us? Thank You-XXXX and XXXX XXXX
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| 08/23/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hsbc bank is trying to collect funds I do not owe them, in XX/XX/2018 I had a balance of {$3800.00}, I went online to make payment in full, I noticed that I set up the payment for XX/XX/XXXX which was my due date, that was a mistake as I wanted payment for XX/XX/XXXX, I went and looked at transaction history and the previous payment didnt show, so I went and made the payment for XX/XX/XXXX, this payment cleared my bank on XX/XX/XXXX, my account then had a XXXX balance, then I found on XX/XX/XXXX Hbsc sent an ach to my bank for {$3800.00} when I had a XXXX balance, this was rejected by my bank for insufficient funds, I called HBSC about this and spent near an hour on the phone because now my credit card showed a credit balance of - {$3800.00}, when I called they said well we can send you a check for the credit amount, I told them no do not do that because you never got that money from my bank, she said well it shows up here, I said youre not going to get the money, they said then call back after that showed on my account, I waited then I received a check for {$3800.00} in the mail, I called them again and told them what had happened and that they had then charged me a {$25.00} returned check fee and sent me a check, after another almost hour on phone this was supposed to all cleared up and they reversed the {$25.00} returned check fee, I also told them to cancel the credit card, so I shredded the check they had sent, shredded the credit card, then on XX/XX/XXXX I received a statement from HSBC, I did not have my log in so I ignored it, mind you I have not received a statement since XX/XX/XXXX, XXXX I started getting unknown XXXX calls and found out it was Hsbc, I called back and they said they were attempting to collect a debt and I owed them {$3800.00}, I told them this was supposed to be cleared and I shredded the check they sent and advised as to what happened, now they refuse to clear my account and the girl said they may have to send me another check and I would need to cash it and pay them again, I am in fear they send another check then they will say I owe them over 7000, I told them you are a bank, can you not see I never cashed the check and they should just put a stop pay on it and this would be cleared up, I dont know what more I can do
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| 05/30/2017 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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On XX/XX/XXXX , I was notified of a garnishment that would soon commence by the Human Resource department. After reviewing the summons signed by judge, I was able to ascertain a case number for the judgement. Th e summons was submitted by Plaintiff : c/o XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX . XXXX . XXXX File n umber : XXXX . This is where it gets squirrely. Based on the case #, I was able to pick up copies from the court house ., XX/XX/XXXX , XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , GA XXXX XXXX filed a suit stating an amount owed of {$1000.00} plus $ XXXX -a ttorney fees ; interest {$350.00} and court costs of {$100.00} totaling {$1600.00} with {$5.00} FiF a fees. Included are also XXXX differen t bills for sale for companies that are all out o f business. There is also a generic cardmember agreement for Household Bank. On XX/XX/XXXX , XX/XX/XXXX XXXX XXXX XXXX filed an affidavit for breach of contract and failure to file answer with court. I have no contract. I never received copies of the summons nor judgment. XXXX XXXX XXXX sold account to XXXX XXXX XXXX , which have filed to enforce judgement by way of garnishment. However, After contacting XXXX XXXX XXXX to ascertain what the debt claim is for, they advise they have no information and are working solely from the judgment. The current company XXXX XXXX XXXX , also state they do not have any information regarding the debt. XXXX XXXX XXXX filed for garnishment in the amount of {$2800.00}. I do not know what this debt is and unable to trace through my credit report either. Please help! I have exhausted all avenues to trace the origin to no avail, as all are out of business or claim to not have the information. I do n't understand how companies can file legal paperwork with no proof of debt. In my attempts to research, I also found documentation of shady business practices by XXXX XXXX XXXX XXXX XXXX . I believe my case falls within claims against XXXX XXXX XXXX XXXX XXXX .
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| 09/27/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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My name is XXXX XXXX. I am writing in regard to HSBC Banks unfair, racially distorted, and demoralization of ones disabilitybanking practices. The Consumer Credit Protection Act of 1968 regarded Americans safety from the previous longevity relinquished by governing bodies and financial institutions. In efforts to solidify all condensing and ambiguity associated with mistrust, Congress moved to shield consumers and their financial records from abuse. In the years following, other laws refined consumer rights, spelling out how the government can access bank customers information, how banks treat borrowers and the way banks handle customer deposits. Considering this law to protect consumers are profoundly etched withing the moral fibers of the US governing lawsone would hope consumers would receive fair, indoctrinated, unplausible credence as it relates to the well being of our banking system. Unfortunately, this is not the case as biased departure still exists within our banking institutions.
This is my third morse writing on dictates concerning issues that have gone strain. I am a young XXXX American male -- owning several XXXX XXXX XXXX. Each monetary increment is compelling to the survival mediates. Therefore, with the crude unguided acts of HSBC, there were several delaying constructs in which devastating financial tolls have impart.
I have notified HSBC nearly five month ago, indicating the immediate release of all funds due in part. Nonetheless, days became weeks, weeks became monthsand now unopposed, months will soon become a year. Nevertheless, my relentless intent to mitigate, resolve, and embellish the ongoing dispute has resulted in over 200 hundred call, 70 emails, and numerous complaints to government banking agencies. Added, the coldness of hopelessness has begun to settle quietly within the vibrantly warm chambers of my heart. My XXXX XXXX, once divulged of animation, has now become the corridors of dismay and peturb. I am currently prescribed medication to resolve the refactors of my XXXX XXXX.
In conclusion, my simple alp of requestreturn my funds quickly, for I am making monthly payments on liquid assets are loan imparts. I beseech assistance in resolving this issue with HSBCfor it has been several months with no resolve.
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| 09/29/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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I filed a report with HSBC in reference to a few fraudulent charges on my checking account on XXXX XXXX 2016. When I spoke to a representative from the fraud investigation department they had stated that I would be receiving a provisional credit while the investigation is going on. I waited after 10 business days and still did not recieve a provisional credit. I contacted the representative that was handling my case and she stated that the provisional credit was denied. I inquired why and she did not provide me with a valid reason and continued stating that I need to take liability for the loss of money in my bank account. I told her that I need the provisional credit to provide me some relief since a large sum of money has been taken out of my account without my permission. She was unsympathetic and continued with her statements that I will have to wait until the whole investigation is over. I stated to her that I am at a loss and I have financial obligations. She stated that she could not issue a provisional credit and I could talk to the supervisor. I spoke to the supervisor and he continued to speak to me in a derogatory manner. I stated that I wanted more information on why my provisional credit was declined. He stated that I needed to be more careful with my debit card and basically put all the blame on me instead of offering me support. I stated if he could authorize a provisional credit since I had pending financial obligations. He continued to state that it was my fault for the fraudulent charges and due to that I need to wait until the whole investigation is completed. I stated that I have followed through with all requirements including filing a police report and mailing the fraud claim form. He stated to me that I will have to file a police report in every state where the fraudulent transactions took place. I stated that I was not informed by the woman who is handling my case that I need to do that. I stated that I want in writing in regards to the policy that HSBC utilizes when handling fraudulent transactions. He did not comply. I told the supervisor that I am deeply unsatisfied with HSBC and would appreciate if I could get provisional credit. He declined my request and continued blaming me that I caused the situation that I am in.
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| 11/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Consumers are provided the opportunity to freely dispute inaccuracies on their credit reports as reported by creditors without retaliation. On XX/XX/2021 I reviewed my XXXX credit bureau and noticed that HSBC Bank USA, N.A had incorrectly reported my balance due on my open card ending XXXX. I submitted a request for an online investigation via the portal of XXXX 's Credit Dispute system. After carrying a balance on my account for ~6 months and making monthly payments, often in excess of the monthly minimum payment due, I paid the entire balance off in full. I also paid the balance of ALL my other credit cards off at the same time so that my balances reflected a - $ XXXX. After submitting my payment, HSBC failed to update the status of my account to reflect my payment history and the now current balance. I submitted my dispute for them to review the payment history and HSBS subsequently retaliated against me for using the dispute option and they reduced my credit limit from {$6500.00} all the way down to {$500.00} and sent me a letter that states the following : ( All of which are inaccurate based on the PAID IN FULL status of ALL my accounts ) 1- Amount own on revolving accounts is too high. ( False ALL balances were XXXX at time of letter generation ) 2- Proportion of balances to credit limits on revolving accounts is too high. ( False ALL balances were XXXX at time of letter generation ) 3- Proportion of balances to credit limits on revolving bank/national revolving accounts too high. ( False ALL balances were XXXX at time of letter generation ) 4- Length of time revolving accounts have been established. ( Account was approved with {$6500.00} limit with lesser credit history prior to my dispute ) I have called multiple times to speak to agents who are allllllllll to incompetent to understand what happened and provide a blanket statement of " We mailed you a letter '' ( mentioned above ).
It is 100 % clear that HSBC Bank as retaliated against consumers for utilizing the options afforded them by regulatory agencies such as the CFPB. During first contact with HASB customer service the agent indicated that upon review of my complaint they have taken action on my account. CLEAR DISCRIMINATION for filing my complaint for their inaccuracies.
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| 11/20/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have made contact with XXXX, XXXX and XXXX for the past four months in 30-35 days via certified mail and phone calls. I have requested all three ( 3 ) credit bureaus to remove the following data and my rational on why the data should be removed : I sent certified mail to XXXX XXXX XXXX, on XXXX/XXXX/XXXX, XXXX certified receipt # XXXX, and another certified letter on XXXX/XXXX/XXXX, XXXX certified # XXXX, which was return. On XXXX XXXX, XXXX, I sent XXXX XXXX XXXX, who represents XXXX XXXX XXXX and utilizes to different addresses a certified letter to both address XXXX certified # XXXX and XXXX which this XXXX XXXX XXXX and XXXX XXXX XXXX failed to respond in accordance with the 30 days timeframe allow per the FCRA. I then had to file a complaint with the CFPB, and these organizations still failed to provide any type of document/contract bearing my signature show this debt belongs to me. Therefore, I am requesting all three credit bureaus delete this account from my credit reports immediately due to the following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT respond to my validation request. 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to report my dispute to you. 3 ) XXXX XXXX XXXX verified this account with you after receipt of my dispute certified letter, and phone call to XXXX XXXX XXXX, dated XXXX/XXXX/XXXX, who is a management representative for XXXX XXXX XXXX. XXXX ) Please provide the verification data : WHEN, HOW and by WHO was this account verified? And according to the XXXX, XXXX and XXXX credit reports this information is " accurate and has been verified. '' 5 ) On the XXXX credit report the debt is listed twice ; which is inaccurate. Should XXXX, XXXX, and XXXX verify this account again in spite of the certified letters received from me disputing this information as not belonging to me, and this CFPB complaint I will seek legal action against each organization if this account remains or my credit report. Please furnish the detailed description of your investigation. Please Note : I have asked XXXX XXXX XXXX and XXXX XXXX XXXX to provide me with a contract or agreement bearing my signature showing this is indeed my debt and XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide this information for the past two months
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| 12/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
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Web |
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This complaint is in conjunction with complaint XXXX. Initially I was unable to use my card for several months upon credit approval. Several attempts to contact hsbc and several hours of being put on hold and hung up on lead to my initial complaint.
Now, I have completed the online banking months ago as well to manage my account. HSBCs initial classificationof my account has caused me not to have the ability to log on, I have also stopped receiving paper letters in the mail showing me my statement. Since opening I have made one payment over the phone for the complete balance. However now I do not know the remaining payments or due dates which is preventing me to make my payment and ensure I have a XXXX balance.
I hurt my credit by opening this account with the intention of using rewards points, benefiting from the annual match of points, using my rewards points, and benefiting from the 0 % transfer.
I was forced to open an additional card to perform the balance transfer, further harming my credit score. I am unable to use my rewards points because I can not log online. I have been prevented from using my card for several months limiting the benefit I would receive in rewards points and more importantly the annual match. I can not make a payment on this account due to unknown balances which I have never had a late payment and am afraid this may occur due to the mismanagement of opening this account.
In addition to the hours spent already in the aforementioned complaint I spent additional hours trying to fix my online banking issues. I have attempted several days to contact customer service and resolve this issue. They continue to transfer me from to different departments until I drop from the conversation. Attached are additional documents of me attempting to open my online activity.
In the aforementioned complaint HSBCs response rewarded me with {$100.00} in rewards points. This is an inadequate amount based on the harm this experience has caused to me credit score and the inability to use the benefits of the card which is why I opened it. Additionally, I can not use any of the rewards I was provided because I can not log on to my accounts although several customer service agents confirmed I opened my online accounts correctly.
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| 07/29/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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I am currently experiencing difficulty with obtaining a lien release and supporting documentation on a home equity mortgage loan that originated in XX/XX/XXXX and I had paid off XX/XX/XXXX that was held with HSBC Bank. I was made aware of the issue of the lien not being removed from my deed during a current refinancing process with another financial institution. I have been attempting to resolve this issue with HSBC since XX/XX/XXXX. After great difficulty in finding a working contact number for HSBC, I ended up with HSBC mortgage Service Company who have absolutely done nothing to address the issue. The process was started with an email which returns a form to fill your information in and send, that generates no response or acknowledgement. After multiple calls in conjunction with efforts on my behalf by the current lender and underwriter, I still have not received a response or resolution. The responses are always the same " I have escalated the request, the volume of requests is massive, We ca n't locate the information ( even though I have provided the actual title search for them, including deed & liber information ), even after finally being directed to a " supervisor '' the response is the same, stall and claim they will look into it and escalate it. At this point I feel HSBC and the service company, Mortgage Service, are simply not going to do anything about this. In the meantime I am suffering financial harm as I have lost the low interest rate with the expiration of the commitment and associated specials with the application ( no fees, etc. ). The current lender I am working with has indicated that I am not the only individual in this situation with HSBC and my own research has found thousands of reviews describing similar problems or worse.
I guess my next step in this process will be engaging legal council if I can afford it, in an effort to resolve this.
If nothing else, I feel that this situation is unacceptable and warrants consideration of potential legislation to protect consumers from negligent banking practices that un-wittingly harm the consumer.
I greatly appreciate anything you or your office could do to facilitate an acceptable resolution not only for me, but the other consumers dealing with the same problems.
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| 02/21/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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Date of Call - XX/XX/2019 HSBC will not allow me to close my account because their online banking bank to bank transfer portal crashed while trying to set up a bank to bank transfer weeks ago. I was flagged as fraud and had to call to remediate the issue. Instead of trying to setup the bank to bank transfer, I asked that they close my account and send the proceeds via official check to my address on file. Was transferred 5 times to different people within their customer service or fraud department, and indicated that they could not close the account until the fraud case was closed. They asked me several times if the account I was trying to link was mine and owned by me, and then said the only way they could close to account was to provide a complete statement showing the account details and titling at the other bank. I refused to comply with this request and asked if they could reset their system for me to link on my own, and they said I must provide the statement.
During the process of this call, over 2 hours, they cancelled my debit card and removed wire transfer ability from my account. One gentleman apologized but said he needed to suspend my account until I provided evidence I owned the other account that was attempted to be linked, even after I authenticated several times over the phone and provided additional security information via email and mobile phone. My account has less than 10 transactions in it and was almost a year old. Account was opened to have an additional account while taking advantage of a {$200.00} incentive for opening, but little other activity had taken place. Continued to tell me that they needed to review the details of my account, however indicated that I could not receive my funds until they saw the other account I was trying to link.
I ultimately provided the statement details from my other bank, as they indicated they could not reactivate the account until " the system '' knew the information was correct. Had to send a copy of my statement ( or voided check ) from a completed unassociated bank ( never ultimately linked this account ) via unencrypted email to the E fraud prevention email at HSBC. After that they again rerouted me back to customer service where they insisted I keep the account open.
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| 05/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
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Web |
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In XXXX I applied for a new credit card to assist in credit card debt. The offer was received in the mail from HSBC for 0 % apr for 15 months on balance transfers within 60 days of account opening. There were some delays in application being approved due to a previous fraudulent incident in my name. There were extra steps taken on HSBC side to ensure I was in fact who I say I was. I recieved my card in the mail weeks later and was welcomed to HSBC, within this package was my credit card and Account information. Until I rec 'd this information I could not use my card, they was an activation code given in yet another piece of mail that was rec 'd days later. On XXXX XXXX I was able to use my card after activation. I then wanted to make a balance transfer, on XX/XX/XXXX I made this balance transfer. I was not notified that I was outside of the 60 day window and assumed I was not. I received my card welcoming to use my account on XX/XX/XXXX. It is not clear when this account was opened. The next month 's bill arrived and I was charged finance charges of 15.24 % on a balance transfer I thought was 0 %. I contacted the HSBC, there is no customer service # to talk to someone regarding this type of charge, I had to result to chatting. I chatted for over a XXXX hour and was told the 60 day window ended on XX/XX/XXXX., hence the finance charge and not receiving the 0 % on balance transfer. I asked why this date is chosen to end XX/XX/XXXX and was told my account was opened on XX/XX/XXXX. HSBC representatives were not willing to waive this finance charge due to being 24 hours late in transferring. Unbeknownst to me I had no idea my account was opened on XX/XX/XXXX and I could actually have completed a balance transfer on this same date. Very unrealistic seeing I could not use my card until activating with a secure pin # received XXXX. I believe this credit card company is misleading in stating account open, this credit card company should state account opening date somewhere on your credit card statement. This credit card company should state clearly what the balance transfer fees will be at the time of transaction base on the days of account open. This was a trick and a trap for me as a consumer and I believe would be for most consumers.
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| 02/04/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I have been paying back a {$70000.00} loan from Beneficial for over 20 years, and have repaid it more than twice over.
Now that the loan is almost paid off they keep adding new charges to my loan without my permission every month. Last month it was an insurance policy, over {$500.00}, this month they paid my taxes, which I had already paid, over {$600.00} in new charges, plus they raised the payment with monthly insurance and tax charges.
I have always paid my own taxes, it seems illegal to suddenly start paying the tax, then adding it to the loan without permission, adding interest, late charges, insurance and whatever else they can think of, especially when it is almost paid off, and could be paid off this year if they did n't add enormous charges every month, and they know I 'm old on a fixed income.
XXXX, an accounting clerk with the Department of Assessment & Taxation with XXXX County, OR responding on behalf of the Assessor.
" After further review of both accounts, it does appear that there are, in fact, two duplicate payments from both you and your lender. '' ( my XXXX is divided into XXXX sections, XXXX ) I had applied for the Senior citizen ' tax deferral program, but they turned me down after the first year because I did n't have insurance.
The XXXX I had before, filed for bankruptcy ( The fellow who ran the business said there were too many claims due to GLOBAL WARMING ) - and according to the insurance lady that took over the office - because I live in a XXXX there is no insurance available.
Several women have told me that their insurance was cancelled out in this area because they live too close to the " XXXX ''?
I know you do n't control the insurance industry, but I wonder how it is that no insurance company will insure my property for me, but they will issue a policy for my property for Beneficial 's interest only?
And if it is insured now can I get the senior citizen 's deferral?
Is that why they paid the tax?
Do they actually pay somebody to figure out how they can squeeze the last dime out of old people who are almost debt free?
Or am I just a conspiracy theorist?
They do n't have contact info on their bills, no phone, no website and they do n't respond to letters.
Anyway, thanks for your help.
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| 12/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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Web |
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This is a follow-up compliant to one I sent in XX/XX/XXXX. The bank replied in XX/XX/XXXX and that reply was unsatisfactory. I attempted to reach out to the bank and left a message for the person who signed the response letter. I also added feedback on the original complaint, which has also gone unaddressed. I have attached the complaint and accompanying feedback as well as the original response to this complaint. I have also attached my transaction history since XX/XX/XXXX when I thought that I had paid in full.
In XX/XX/XXXX I called to make the payment and XXXX out the account because I was fed up dealing with the bank. The accepted my payment and I thought I was finally done, but nope not with HSBC. The continue to charge me returned check fees for payments that they are trying to remove from a bank that has been incorrect since XX/XX/XXXX or XX/XX/XXXX. They have been repeatedly told this but refuse to delete the bank account and instead try to take money from it causing returned payments and subsequent fees. The calls that I have had with the bank have been nothing, but headaches and I refuse to deal with them directly any longer.
I want the account marked paid in full as of my payment in XX/XX/XXXX and the fees that have accrued since. Additionally, since I dont owe these fees I want my credit report updated to reflected the paid in full in XX/XX/XXXX and the delinquencies removed. I would remove the bank account myself, but since the credit card account is closed the ability to do so has been removed ( or at the very least I do not know how to do it and no one has told me ). I would be willing to pay the current balance just to be finished with the bank. However, I would only do that under two conditions. 1. I receive assurance in writing that no further charges will accrue on my account and 2. My credit report is updated to remove all delinquencies back to XX/XX/XXXX. This is not intended to admit that I owe these fees. This is clearly a bank error, or perhaps it is intentional to get more revenue, regardless I want to be done with this headache and move on. The correct resolution that should occur is the fees waived/removed and the delinquencies removed and my credit report updated as paid in full in XX/XX/XXXX.
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| 03/14/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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my problems with phh mortgage corporation started over a year ago with them not being able to process late payments in a timely manner, giving me incorrect information on what was do and when, accepting phone payments that should have been credited to my account to then turn around and say sorry we sent a check back to you the XXXX check took 2 months to be returned to me the XXXX time it happened it took 4 months after them telling me on a monthly basis it was resubmitted and I should receive it soon. during this terrible time of dealing with their customer service and all the inaccurate information received from them I found my home in a active foreclosure status. in XXXX with the help of the great people at the Minnesota XXXX I was able to make a large payment to phh mortgage corporation that according to their customer service rep put my account completely up to date and that my next payment was due in febuary.even though my payment was much larger then what was due even after late fees were removed ect. I have requested a actual breakdown of what they credited the money towards but have not yet received a response. if it was not for the Minnesota XXXX contacting phh mortgage on my behalf none of this mess would have had a positive outcome. but my struggle with them is not over when I received my bill for febuary it was double what my normal monthly payment should be.i then discovered back in XXXX when I informed phh mortgage corporation that I was paying my property taxes myself the customer service rep told me not to do so I am sure what happened is they were planning to foreclose on the house so they paid everything because it served their needs best.i was given a phone number to liason to the president of XXXX mortgage who uses phh mortgage as their servicing agent to call her if I have any more problems, i have left her XXXX messages in the past 3 weeks and received no response. I do not trust them when customer service tells you different that what comes in the mail, when they tell you your account is current and up to date but its not, they tell you a check is in the mail and it takes 4 months to arrive and your given a number to contact to help make things right and she answers and never responds to a message
|
| 08/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
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on XX/XX/2022 I, XXXX XXXX, was notified by HSBC USA N.A via mail that my credit card account was being sold to XXXX XXXX XXXX XXXX effective XX/XX/2022. Later I received notice that this change was postponed until XX/XX/2022.
on XX/XX/2022 I, XXXX XXXX, sent a check from XXXX bank to HSBC USA to pay off the remaining balance of my credit card account, in the amount of {$2300.00}.
on XX/XX/2022 My HSBC USA account showed a credit for the amount I paid via check, and my account balance was XXXX cents. That same evening, XX/XX/2022, The credit was reversed and my balance was back to original amount.
XX/XX/2022 My account was charged a Return Check Fee.
XX/XX/2022 I called XXXX bank and there was no evidence of a check submitted by, or returned to HSBC USA. XXXX advised me that the check was never submitted to them by HSBC USA and no check was denied by XXXX bank. I then called HSBC USA and was told multiple times that the check was returned by my bank and denied. I then proceeded to make a conference call with XXXX bank and HSBC USA on the same phone call, and was then told by HSBC USA that the check was first denied for unknown reasons. XXXX told HSBC USA that the check would clear with them, but they show no record of a check being submitted to them from HSBC USA. I was then told on the same phone call from HSBC USA that a " back department '' would need to accept the funds and my account would be paid off and the return check charge be voided. I was promised a call back within 24 hours and verification that my account was paid off and check accepted.
XX/XX/2022 I received no phone call within the 24hr period and my account still showed the original balance. Called HSBC USA and was " disconnected ', which I believe hung up on, multiple times after explaining my situation with a new representative. Was then notified by HSBC USA after being on hold for 2 hours that they did not have the check and I would again be contacted when they research the problem and find a resolution. As of today, XX/XX/2022 my HSBC USA account still shows the original balance after a check was sent from XXXX bank in the full account balance amount, and HSBC USA is refusing to accept the check i submitted to pay this account off in full.
|
| 02/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
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Recently ( XX/XX/XXXX ) I received a standard letter from HSBC regarding my credit card account - telling me that after careful consideration they were lowering my limit based on several factors listed.
Amounts on revolving credit too high.
Proportion of balances to credit limits too high.
Length of time installment loans have been established.
I do use my credit cards, I support the spending economy. I believe All of my cards are over XXXX XXXX XXXX some close to XXXX XXXX XXXX. I HAVE NEVER had one single late payment, most of the time they are paid well in advance of the due dates, always more than the amount due.
I realize that they have the right to do these reviews, my problem is that they are based on flawed algorithms, mostly with little to NO human review. When they arbitrarily reduce the limit, it artificially increases the debt to credit ratio on that account, essentially causing an even more severe impact to lowering my credit score.This then causes an avalanche of other credit companies doing the same thing. It causes the users score to drop dramatically, costing more to obtain credit ( higher interest rates ), or leads to a complete denial of credit.
As you are aware this can take years to reverse and can really have a very desperate impact, particularly on vulnerable populations. It can cause years of unfair impact to any borrowers and sometimes eventual financial collapse. This practice is wrong and should be halted immediately.
It took me almost XXXX hours to speak to a customer service rep, was transferred XXXX times and eventually disconnected. Their customer support app was as bad if not worse. The agents solution was for me to apply for a credit increase, this seemed like an attempt to make another hard inquiry on my report as well as possibly raise the interest rate on the card.
Collectively these practices seem very much like prohibited XXXX banking practices as defined by the XXXX XXXX XXXX XXXX XXXX Consumer Protection Act of XXXX. This is the XXXX occasion for this to happen with my HSBC account. I have asked them to freeze the account, I will pay the balance and will no longer be one of their customers. BUT that will not stop the impact this will have on my credit report.
|
| 05/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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|
Web |
Older American |
|
We refinanced our home in XXXX, XXXX with XXXX XXXX. In doing so, it was a predatory ARM. We received a letter from the bank officer stating that we would refinance incurring no additional fees after our credit rating had improved within six months. The mortgage was then turned over to XXXX XXXX which in turn sold it to HSBC without our knowledge until we received the monthly mortgage statement with HSBC in XXXX, XXXX. With the building trades businesses failing in the Michigan downturned economy, jobs losses, our family was forced to file bankruptcy in XXXX, XXXX and we did not affirm our home. In doing so, the present mortgage servicer HSBC Home Mortgage Services , Inc. will not renegotiate with us concerning a lessening of the terms of our original note. We have an ARM of 8.45 %. We have paid up to XXXX % of our home income to be able to keep living in the home which we built and raised our family in. We had to apply to StepForward of Michigan to get the mortgage current in the amount of {$5400.00}, the interest was deferred on the back of our loan which is now a total {$8900.00}. The help that we received at that time was much less than the deferred interest amount! We have worked with a FHA Housing Counselor since XX/XX/XXXX to get this onerous mortgage reduced to no avail other than loan modifications that reduced our monthly payments in the ensuing years, but they only backended the interest so our principal reduction in the loan is added on, with interest on top of interest. We need a path to be able to keep and afford our home before we are forced into retirement which will be upon us shortly. I hear about all of the HARP Programs that will expire XX/XX/XXXX, we need your help. HSBC is not a TARP participant which was detrimental in our case. We are asking for a conventional fixed mortgage instrument with a manageable interest rate in step with the rest of the public. Due to the nature of our mortgage, we have not been able to pay down our principal like it should have been, and because of our market conditions in our area, we are still under water with this note. We saw the settlement the State of Michigan received from HSBC and would like to have relief from this predatory note. Please consider our plea.
|
| 11/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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I have a mortgage that was sold to PHH XX/XX/XXXX and I have had problems with them not processing my payments correctly and in a timely manner.
I typically send additional principal payment along with the mortgage amount that is due each month.
Mortgage payments can be paid within the XXXX through the XXXX of the month. I use to pay early before XXXX but PHH did n't apply the funds and in fact frequently called me to tell me the mortgage was " late '' because they refused to apply the early funds before XXXX the month. THey did this even though the money was sitting in the account but they simply did n't apply it.
To avoid that I pay after XXXX the month before XXXX.
My payments are sent through my bank 's bill pay system and the bank record indicates that the money was taken out of the account on XXXX XXXX and posted to the PHH mortgage account, XX/XX/XXXX.The excess payment towards principal was never applied. In fact when I received the statement for the following month the excess amountof {$490.00} was in a " Suspense Balance '' and was not applied towards principal.
It was listed as " Partial Payment ( Unapplied ) ''. I contacted XXXX XXXX the PHH representative and she claimed that the payment was applied the following day because the statement was printed before the application of these funds.
XXXX statement does n't make sense since the statement clearly shows that the mortgage payment posted on XXXX so why was the extra principal payment not included since all the moneys were sent at the same time? why would an extra payment be applied on a different date than the mortgage payment? Again, it was all sent as a single payment.Lastly, the new statements are issued after the XXXX not early in the month so this is patently false.
Although XXXX promised to send evidence that the payment was applied, I have received no such evidence. I am very concerned that the extra payments are not being applied AT ALL and simply pocketed by PHH.
XXXX stated I would be receiving a record of my mortgage payments for this year.
I have had issues with PHH in the past, such as having a fully paid off HELOC line stay as an outstanding lien on my property for years because XXXX did n't record it as a satisfied mortgage.
|
| 07/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
RE : Mortgage # XXXX by HSBC MORTGAGE CORPORATION ( USA ) For purchase of XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX I XXXX XXXX, was granted a Mortgage # XXXX by HSBC MORTGAGE CORPORATION ( USA ) in XXXX XXXX for a principal amount of {$140000.00} at 5.125 % 30yr term, for the purchase of a duplex at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX. The first payment due on XX/XX/2003.
The first communication in writing from HSBC after the mortgage was granted, is a letter in response to my enquiry about using Electronic Funds Transfer program to repay Mortgage # XXXX. XXXX XXXX, HSBC Mortgage Cashiering Specialist letter would indicate that for payment purpose the Mortgage account number as XXXX. We did not worry about it as we recognized, the number as a diminutive of the real loan number ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) { the missing numbers being shown in bracket } UNTIL NOW.
We received a letter dated XXXX XXXX advising us that HSBC has XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) and that the current account # XXXX is changed to the New Account # XXXX. No reference was made the current account number is the number for accounting purposes that represent the Mortgage Loan # XXXX date XXXX XXXX.
On XXXX XXXX an HSBC Loan # XXXX was approved for a principal $ XXXX 3.5 % 15yr term, from which {$110000.00} was used to pay off Principal balance on Loan # XXXX with " XXXX XXXX XXXX '' the Original Mortgage # XXXX not being mentioned again.
As the response we have received Form HSBC Mortgage company and XXXX XXXX XXXX XXXX have been in slightly different terms " Since the loan have been paid-off, we do not have access to the files anymore ''. We respectfully request that Mortgage # XXXX be taken off the books OR marked as being Paid in full.
Uploaded copy of HSBC XX/XX/2003 letter with " Subject : Mortgage Account Number XXXX and the Monthly Mortgage Statement clearly outlines all the condition in the Mortgage loan # XXXX. We submit that both account numbers are referring to the same loan. It follows that all the other subsequent loan numbers link back to Mortgage loan # XXXX.
As such, the XX/XX/2003 Mortgage loan # XXXX has been paid in full in XXXX XXXX and should be recorded accordingly.
Sincerely,
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| 03/20/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I was laid off work in XX/XX/XXXX. Indiana housing and urban development helped me with my mortgage payments until I returned to work in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX. would have me pay my mortgage payments into an account they called a shadow account. After I would make my payments I would have to call XXXX XXXX at there main office in XXXX XXXX, IN and she would transfer the money from the shadow account to pay my mortgage payment. In XX/XX/XXXX XXXX XXXX XXXX. filed a lawsuit against me for foreclosure and accelerated my mortgage. I was not behind on my payments at that time. When a mortgage is accelerated that makes all payments due at that time. Which means no more monthly payments due. I was not aware of this lawsuit until XX/XX/XXXX when I was advised by Indiana housing and Urban development to call the XXXX XXXX County Court House to schedule a settlement hearing. The court clerk informed me that XXXX XXXX XXXX. had already recieved a default judgement against me and scheduled a sheriff sale of my property.
I was never notified by the court or served any papers because XXXX XXXX XXXX. used the wrong address for my home.
I was not behind on my mortgage payments. They were not applying them properly out of the shadow account. XXXX XXXX XXXX. Filed an amended complaint for foreclosure after they had already accelerated my payments making it impossible to be late on a payment after XX/XX/XXXX. In there XX/XX/XXXX amended complaint it says, XXXX had not made a payment since XX/XX/XXXX. This statement is impossible since they had accelerated my mortgage.
Going back to XX/XX/XXXX. XXXX XXXX XXXX. has reported on my credit report that it transferred my account to a different office. My credit report shows that it was transferred to a different account. My credit report also shows that they were still making payments on my original account for all of XX/XX/XXXX and my new account was showing that I had made no payments. Because of XXXX XXXX XXXX. making these improper payments my credit history is horrible and I have now lost my home due to foreclosure. They had breached our contract when they started a new account and have stolen my home and securities.
My name is : XXXX XXXX XXXX XXXX XXXX XXXX
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| 12/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
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1. Tried to redeem rewards points into a checking account on XX/XX/XXXX. Did not realize it had to be an HSBC checking account and the application accepted my account number. Within a few minutes I realized my mistake and called HSBC to cancel the redemption. They could not and said the points would automatically go back into my account when they found no HSBC checking with that number.
2. Received a letter dated XX/XX/XXXX saying that I had tried to redeem points into an invalid account, and the points had been put back into my rewards account.
3. On XX/XX/XXXX, I checked my rewards account on the points had not been put back as the letter indicated. I called HSBC again, and they said they would open an " escalation '' to investigate the problem. When I called a few days later for an update, I was informed that escalations might take up to 10 business days to be addressed. I was not sure why I had to open an escalation for the points to be redeposited as the letter indicated.
4. On XX/XX/XXXX, I called to find out why the escalation had not resulted in the points being put back into my account. After being on hold for quite a significant amount of time with the " rewards department '', I was told that the rewards " Back Office '' could not return the points, that the credit card company had to do that. I was transferred to the credit card division. After another long wait while research was done, I was told that a ticket had to be opened and escalated yet again with the " Back Office '' and that I needed to wait another week for a possible resolution to get the points I had been told were already put into my account. I told them that I had waited long enough for resolution and wanted my points payout immediately as I wanted to cancel my credit card. I was told that I would not get my reward if I cancelled. That I had to keep my card open until this issue was resolved or I would not get paid. I indicated that I was done waiting and that I did not feel confident the back office would resolve it as I keep getting sent in circles. I indicated I was going to reach out to you. I am owed {$49.00} by HSBC. I am attaching the letter they sent indicating funds had been returned to my account and they were NOT.
|
| 12/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
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My mortgage company changed servicers effective XX/XX/XXXX. I have been making payments thru my bank for the entire year of XXXX. My bank automatically sends payment on the date I indicate and for the amount of my monthly payment. I have not had any problems the entire year and HSBC has been crediting my payments as normal. My bank made my XXXX payment as normal but towards the end of XXXX ( approximately XX/XX/XXXX ) HSBC called me to ask where the payment was. I immediately checked with my bank and discovered that the payment was mailed over two weeks earlier ( as usual ). I obtained a tracking number from my bank and provided it to HSBC. Apparently, HSBC " misplaced '' my payment for two weeks and they were able to quickly find it once I provided the tracking number.
I thought this matter was resolved and received a letter in the mail from HSBC stating that the payment was applied to my loan on XX/XX/XXXX. I should have known that HSBC did not do the right thing at this point because the payment was " applied '' on XX/XX/XXXX, instead of being applied on the date it was received ( not the date it was found after HSBC lost it ). To add insult to injury, not only did HSBC apply the funds late, and thereby charge me additional interest, they are attempting to charge me a late fee and a {$850.00} " Property Inspection Fee ''.
HSBC has been the worst mortgage servicer to work with ever and we've had so many problems with them over the years. Instead of getting into the past problems, we are asking you to please address the issue at hand. I believe they have treated me unfairly and perhaps violated other laws as well. For one thing, they lost my payment, that was made exactly the same as the ten prior payments ( mailed from my bank automatically every month ), then when they find my payment they did not back date the payment to the received date but instead date it when they " found '' it. Then they not only added a {$28.00} late fee but some insane {$850.00} Property Inspection Fee. The payment problem was clearly caused by HSBC, who very likely had the payment for at least 7-10 days prior to applying the payment - in order for them to profit by a late fee and some other, incomprehensible {$850.00} fee.
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| 11/15/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I have had this account less than 60 days. This is my 2nd complaint I am filing. I am a XXXX and I work for another XXXX in XXXX XXXX. I am requesting the CFPB really look into this complaint -- a normal consumer may not know the avenues to take.
I wrote a check for XXXX to my landlord. Check number XXXX. My account balance exceeds {$5000.00}. I received a vm yesterday XX/XX/XXXX requesting I call HSBC. I was working and was not able to call them back before they closed at XXXX XXXX EST. I also received an email.
I called HSBC this morning XX/XX/XXXX. I verified my information and that the check was valid. I was informed that the check had been returned and that I was okay to write a new check. The reason the check was returned -- my signature on the check did not match the signature on my account. I proceeded to inform them my account was opened online -- there was no signature on my account. The signature also matches the other checks I have written and cleared the account.
Now my reputation with my landlord is tarnished as HSBC returned my check without proper cause -- when I had the funds in my account. I will be charged a late fee from my landlord and any other fees that he incurs as a result of HSBC returning a check when I had funds in my account. HSBC should be responsible for these fees due to their errors.
Again I asked to be transferred to the complaint area of HSBC and was told there was no such area. I asked to be transferred to the executive office and again was told that I could not be transferred.
HSBC has no way of internally escalating customers complaints when they call into HSBC. They have no way on their website for contact information. Most consumers would just get frustrated and not pursue the compliant. As I am in banking, I know that I can get a proper response by go to the CFPB. This should not be the case. This bank should be required to have an internal mechanism that a consumer can access to escalate concerns with the Bank.
I don't want the canned general response. I want this bank to actually do something and fix their practices -- they make life difficult for other banks. I will be closing my account and going to another bank. This is ridiculous at this point.
|
| 06/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with convenience check
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|
Web |
Servicemember |
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On XX/XX/XXXX, I made a payment online to HSBC Bank in the amount of {$1300.00} from my XXXX checking account. On XX/XX/XXXX it was credit to my HSBC account and showed an available balance of a little over {$2200.00}. On the same day, my XXXX checking account showed the {$1300.00} had left my account and paid to HSBC Bank.
On XX/XX/XXXX I wrote a balance transfer ( convenience check ) to XXXX XXXX for {$1300.00}, that were issued to me by HSBC when I first received my credit card with them. On XX/XX/XXXX, XXXX 's stated the check was returned and to " Refer to Maker ''. When I spoke to XXXX 's, they stated that HSBC did not honor the convenience check and to speak with them. XXXX 's charged me {$37.00} for the returned check. I contacted HSBC 's customer service and they didn't understand why it was returned because my account showed I had sufficent available credit to cover the check. They stated that they should that my payment in the amount of {$1300.00} on XX/XX/XXXX cleared and posted to my account on XX/XX/XXXX and that the convenience check written on XX/XX/XXXX to XXXX 's should have cleared without any issues. They stated they would investigate the matter and that they would reimburse me for the {$37.00} returned check fee that XXXX 's charged me.
After a few weeks with out being reimbursed, I contacted customer service again and was told that even though my {$1300.00} payment posted and was credit to my account on XX/XX/XXXX, that it really didn't clear until XX/XX/XXXX and that is why the check written to XXXX 's on XX/XX/XXXX didn't clear and was returned unpaid. When I questioned them on this they stated that its in my terms and conditions that payments made may take up to 14 day 's to post. I explained to them that my payment didn't take that long and that I have proof from XXXX and my online account with HSBC that shows it cleared and posted on XX/XX/XXXX, they still refused to admit fault and reimburse me for the {$37.00} returned check fee that XXXX 's charged me.
After that, I requested to speak to a manager 3, being put on hold for well over 30 minutes each time and after being on the telephone for well over 2 hours, they hung up on me without ever letting speak to a manager.
|
| 07/19/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
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|
Web |
Older American |
|
This compliant is against Beneficial Finance aka Household finance.
This loan started in 1994, the loan amount was {$15000.00}. When the final payment was done, this loan cost over {$57000.00}. My C P A ' s report stated because of the companies over charges and late penalties this loan should been paid in full by at lease 10 years ago. When one mailed in a payment 90 % of the time they would not post it until they could charge a late fee, which they did over and over again. If you paid in person and received a receipt, no late charges. Also they breached there on contract by charging the improper interest rate. These are blatant, deliberate, and intentional actions breaching there fiduciary obligations as well as per R C W 31.04. XXXX. State.
What is hard to understand why there is no government agency that has any regulatory responsibility to handle these egregious misuse, ( stealing ) of there bad faith. One can not even get a little, if any help from the State, or the Feds. The only help is to sue these financial companies. There are XXXX entities here with responsibilities, Poor enforcement of the consumer protection laws by the State of XXXX, and no help from the feds, there are laws on the books, I do not understand why the Government will not enforce them? The XXXX the loan company, it is very obvious these companies will not follow the government regulations with out direct enforcement. This Company Beneficial, Household Finance of XXXX XXXX are so unprofessional, they will not even return phone calls, return letters, ( they wont give you there E/Mail ) they will not even talk or give the balance of the loan even to my Title company.
Sue them in small claims court be cause your attorney will not take the action because there is to much work for the amount of money, when you get to small claims, the attorney representing the defendant just has judge move the case to civil or superior court. If you are not and attorney you can not represent your self in those courts.So you are screwed. I seriously find a flaw in the government. When if u steal a candy bar one can get time to serve, but a company can steal thousands from the poor consumer and not be held responsible. We need some real help.
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| 05/30/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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Dear Sir/Madame : I am filing a complaint about HSBC for 4 specific things as below. I have all email communications as evidence and can provide all of them when needed. 1. When I tried to pay for Property Tax on XX/XX/XXXX on the payment website from the selected menu I chose to pay through my Savings Account but I accidentally entered my checking account #. Then HSBC paid through my checking account without checking with me.
2. Since there was not enough fund in my checking account ( fund was in savings account ), the payment was denied. I got notified on XX/XX/XXXX from the payment website. They informed me that my bank only notified them on XX/XX/XXXX. Since XX/XX/XXXX was the deadline for the payment, I was charged $ 1500+ fine. When I asked HSBC why it took them 10 days to inform insufficient fund status, there was no direct answers. I had to escalate to five different HSBC staff and it took me 1.5 months to finally get an answer. During the process, I sent dozens of emails to different HSBC staff for answers. After getting so frustrated, I asked for the contact information of their supervising authorities. At my 7th request, they finally gave me your name. This was a terrible customer service experience.
3. HSB
C has been using double standards to decide how to communicate with me. When I opened my account back in XX/XX/XXXX, I told them my sister will help manage my account since I am too busy and I fully trust my sister. Since then, my account manager has been in communication with my sister for all account services through emails, phone calls, etc. When I asked for investment options, HSBC staff also called my sister instead of me to discuss options. But when my sister followed up on above # 2 issue, HSBC staff said my sister can not handle this complaint since she has no power of attorney to represent me. I do not understand why my sister can handle my accounts in any way but when it comes to complaints, she can not?
4. HSBC downgraded my checking account level from premium to advance on XX/XX/XXXX without getting my approval. Again, I have all email communications to prove above. I am more than happy to provide any evidences to support my claims. Thank you for your time! XXXX XXXX
|
| 09/16/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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I am currently in the process of purchasing a home. On Saturday, XX/XX/XXXX, XXXX XXXX withdrew {$7000.00} from my HSBC XXXX Checking Account ( last XXXX XXXX ) for the deposit on my new home. On Monday, XX/XX/XXXX, I wrote a check to myself from my XXXX XXXX XXXX XXXX Checking Account ( last four XXXX ) for {$9000.00} to deposit into my HSBC XXXX Checking Account ( last four XXXX ) to replace the funds that were withdrawn for my home deposit and to cover any upcoming expenses that I may have in the home process. On Tuesday, XX/XX/XXXX, I attempted to log in to my HSBC XXXX Checking Account ( last four XXXX ) through my mobile phone. I was denied access as the page stated " Account Suspended. '' I contacted HSBC fraud services, and I was told that the check that I wrote to myself for flagged for fraud. I was then told that until my bank verified the funds that I would not have access to my HSBC XXXX Checking Account ( last four XXXX ). I offered to three way the bank. That was denied. I offered to send in proof of funds. That was, also, denied. I then placed a stop payment on the check as I did not want those funds to go into my HSBC XXXX Checking Account ( last four XXXX ) and become frozen. On XX/XX/XXXX, I called HSBC fraud services and told them that I have stopped payment on the check and what verification do I need to have my HSBC XXXX Checking Account ( last four XXXX ) unfrozen. I was told that there is nothing that I can do to prove that the funds are and were in my account on the day that I attempted the mobile deposit for {$9000.00}. On XX/XX/XXXX, I called into XXXXSBC fraud services because I was unable to stop my payroll direct deposit from being submitted into my HSBC XXXX Checking Account ( last four XXXX ). I asked what I would be able to do to access my verifiable payroll direct deposit, I was told that I could go to a local branch -- of which there are none within a XXXX mile radius of home -- and they may let me access my funds. HSBC refuses my access to verified funds that are not fraudulent and from a Fortune 150 corporation because their computer system found it odd that I would be conducting financial transactions from my HSBC XXXX Checking Account ( last four XXXX ).
|
| 05/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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On XX/XX/2023 I was notified by a distant relative that she had received a voicemail message from XXXX XXXX XXXX informing her to get a message to me about an important matter that needed to be resolved before I was served with documents. I called XXXX and spoke with XXXX XXXX. He asked for the case # and I gave it to him. He asked for my date of birth & I told him that I wasn't comfortable giving him that information since I didn't know with whom I was speaking and/or what the case was about. XXXX told me that he had my SSN ( he read it to me ) & told me that he could make my life very difficult and have me served with court documents if I didn't comply. I asked him why providing the case # wasn't sufficient and he hung up on me. I called back & spoke with XXXX XXXX, who said he was the Director of Operations. He then told me that his company had been given permission by XXXX XXXX to collect an old balance that I had with HSBC and that the balance had been added to my XXXX XXXX account, since they had recently purchased HSBC XXXX XXXX. He also told me that I needed to pay {$1900.00} on the phone right then to settle the outstanding amount of {$4600.00} and if I refused or asked for verification of the debt It would waive my rights to settle for a smaller amount in the future and that his company would file a tax lien with the IRS and/or send a 1099 to the IRS because the credit that had been extended to me was considered to be income. XXXX XXXX stated that XXXX XXXX had frozen my current credit card with them until the balance to HSBC was paid in full. On XX/XX/2023 I spoke to XXXX who said that she was the Vice President of Operations in the Corporate Office. She said she would obtain proof of the debt and send it to me. I told her that by law, it needed to be provided in 5 days. As of today ( XX/XX/2023 ) I still have not received validation of the debt. On XX/XX/2023 I sent XXXX an email to obtain the status of my request. I still have not received a reply. I am still getting phone calls threatening to have me arrested, have the debt placed on my credit report and threatening to sue me. Someone named XXXX even threatened to disseminate my SSN to other people for egregious purposes.
|
| 11/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
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Web |
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I applied for a HSBC Advance checking account on XX/XX/18 with a promotional offer of {$350.00} ( screenshot of details is attached ) after depositing {$10000.00} in new money within 30 days of account opening and maintaining that balance for 90 days.
I received an email on XX/XX/18 ( PDF is attached ) saying my account application was pending and if they did not receive the required initial deposit they would be unable to open my account.
I made the required initial deposit and received an email on XX/XX/18 ( PDF is attached ) saying my account application was approved.
I made my deposit of {$10000.00} on XX/XX/18 ( screenshot is attached ) which is 30 days from the account opening date of XX/XX/18.
I had not received the bonus so on XX/XX/18 I logged in to my HSBC account and started a chat session ( screenshot attached ) to inquire about the status of my promotional bonus offer. The HSBC chat representative mentioned they could see that I had met the requirement for the promotional bonus, but that it takes 6 to 8 weeks to receive the bonus after the requirements were met.
I waited for that period of time and checked again through a chat session on the status of my bonus and was told that I had *not* met the terms of the promotion, which was contrary to what the chat representative told me on XX/XX/18. I mentioned my deposit was within 30 days of account opening but they told me that my account was opened on XX/XX/18, not XX/XX/18. The email I received on XX/XX/18 not only said " account application pending '' in the subject, but also stated " Please note your application will expire in 25 days and if we do not receive the required initial deposit we will be unable to open your account '' which led me to believe my account was waiting on my initial deposit to open.
They told me they were going to submit an inquiry to their 'rewards team ' and would get back to me.
I waited a few weeks, had not heard anything and started another chat session and was told an inquiry was actually *not* submitted but they would go ahead and do that after I requested it again.
Instead of wasting more time and waiting even longer, I decided to submit this complaint for a hopeful resolution.
|
| 01/06/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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I 've had Beneficial Finance out of XXXX FL, servicing as my mortgage company for several years, as far back as XXXX. Most recently in the past 2 years the representatives of their company have been standoffish and or short from rude, anytime l or my wife had to personally contact them for assistance concerning our loan, for mostly payment matters. Some of those matters arose shortly after unfortunately having to File for Bankruptcy in XXXX, due to loss of a job. However they were excluded in the bankruptcy papers at our lawyer suggestion. Actually that 's when we first noticed the changes in customer service attitudes anytime we contacted the them. Whether they 've flagged the account or what, it feels like something once they bring up the account something brings on an unenthusiastic voice from their representative, on my end of the phone. Most matters in contacting them concern payments over their website, which is the way l choose to make payments and have from the time it originally came in exexistence. After closing actual stores. l used to go in and make payments actually and was for the most part of why l chose to do business, they were locally or so l thought back then. But over time, from out sourcing customer service overseas and one could barely understand their accents and then long distance at that, not saying they were n't intelligent people because after all they were handling my exchanges of money to the mortgage account. The longer l 've been dealing with this company for years now, l 've come to a parting to refinance through another lender and it 's getting worse, l feel as though these are predatory lending practices. And feel somebody needs to look into their matters if they are n't already, before someone like myself end up with similar situation. Beneficial most recently has moved our account into their bankruptcy division, prohibited me from their website, failed to proceed applying my payment to the account for XXXX, now saying it is short even though it was the same amount as previous paid, no followup letter stating it was short of funds, possibly trying to ruin the ability of me to get another mortgage loan. I do n't know but it is what l feel is going on.
|
| 04/01/2016 |
Yes |
|
|
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Web |
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I have called customer service numerous times at XXXX on XXXX XXXX and got people in XXXX that lack SERIOUS training. I was on the phone for over an hour spoke to XXXX # XXXX along with his supervisor XXXX XXXX and both of them were not able to explain to me how my monthly payments were being allocated. I am not in the banking business but to me this is very basic information that should be provided to the customer. Furthermore they stated for me to look at my billing statement to obtain the information I was inquiring about, which by the way I did and it is not there! As a customer I have every right to know this information and no one is able to assist me. I proceeded to go to the nearest branch on XXXX XXXX dealt with a XXXX XXXX, Manager thinking I was going to get my answers and once again was forwarded to the same phone number. Furthermore the branch does not deal with any credit card issues!! It is very frustrating and upsetting that I have spent hours trying to get this information and not getting anywhere. I hope this compliant gets resolved as I will proceed to look into it further having this issue resolved because as I am looking into my statements there are missing monies that I have been paying that are not posted to my account. I now have a suspicion that HSBC is stealing my money especially since absolutely no one in this bank can explain how are ALL my monies being allocated. All I want is to pay off this card as they continue to raise my APR more than I think is even legal. I am requesting in writing where I agreed to this the constant APR increase and to make matters worse I want to know why I have XXXX balances with XXXX different APR 's? I have had credit cards for over 20 years and I have never experienced such thing. How are my payments being allocated? Is this business practice even legal. Additionally, when I inquire with the HSBC branch they can not even understand why this is happening to my account, when I ask you customer service people in XXXX they can not even give me a straight answer!! This is VERY BAD BUSINESS!!!! I also spoke to XXXX # XXXX and his supervisor XXXX yesterday at XXXX spent my whole lunch hour and did not achieve anything on XXXX XXXX.
|
| 04/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
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|
Web |
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My problem is multi-faceted. I have two existing credit cards. HSBC and XXXX XXXX XXXX. On XX/XX/XXXX or XX/XX/XXXX I initiated a balance transfer with HSBC to pay off {$5100.00} on my XXXX card. I initiated this on-line. I thought I had a valid 0 % interest offer. I called after I did this to inquire how long it would take and at that point I found out the offer had expired. I asked to cancel and was told I had called/requested to cancel within the cancellation window and it would not go through. It went through. HSBC told me I was responsible for working with XXXX to have the money returned. I feel that is really was not my responsibility, but I tried. I am now at the point where XXXX returned {$5000.00}, NOT the full {$5100.00}. I was told this is because I had a payment due and I would have been late on the payment. At no point was I talked with about this, if I had been I would have made the payment ( the difference between the two amounts. ) At this point, the check is in the mail to HSBC for {$5000.00}. My stance is this ... XXXX should have returned the full amount to HSBC because the money is not mine and it is not XXXX 's, it is HSBC 's. I look at it as XXXX making an unauthorized charge to my HSBC account ... illegal, in my mind. I have been told contradictory things from XXXX throughout this process and at this point, depending on who I spoke with, they have issued up to 3 checks at this point ... one to HSBC which they say I asked to have cancelled. One that I was told was being sent to me ( it was already in the mail ) which I DID request to be cancelled ( after two weeks, I still have not received that check ). And now this latest. At one point XXXX told me NOT to make payments until this was resolved. More recently I was told by XXXX to make payments to BOTH until things got settled. I have more examples. The resolution : XXXX returns ALL {$5100.00} to HSBC and HSBC removes all finance and transfer fees as I otherwise have a {$0.00} balance on the HSBC card. As of yesterday, I made a {$2000.00} payment to XXXX on the balance with them, which should be {$5100.00}. I also feel this should be referred to regulatory agencies, especially because of the XXXX actions.
|
| 06/03/2016 |
Yes |
- Bank account or service
- Savings account
|
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|
Web |
Servicemember |
|
This is to express XXXX concerns about HSBC banking. I began the process of transferring my investment accounts out of HSBC ( XXXX, VA ) in latter XXXX of XXXX the process was completed by the end of XXXX. I later closed all of the remaining accounts. When I returned home in XXXX after a partial winter residence in the XXXX of USA, there was a credit card bill from HSBC. I informed the branch manager where I previously banked ( XXXX, VA ) that I had not used the credit card and no one else should have been able to use them because I had closed all accounts with HSBC. I wrote a statement and submitted it, but HSBC continues to send me a bill with interest. I have spoken to my previous branch manager several times, but the problem has not been resolved and they continue to send me a bill. I want the billing to stop. I did not use the credit card ; the account was closed and should not have been used by anyone. Evidently, I would not know, the credit card account was not closed ; I did not use it. XXXX ) I transferred my investments to XXXX. They handled all of the paper work. HSBC charged me fees for a time period when XXXX had the investments. I was not working with anyone in the months prior to transferring my investments from HSBC. When HSBC could not justify a fee payment, they took money without permission or informing me out of my Money Market account to pay themselves an unearned or deserved fee. That was the point when I severed all ties with HSBC ; I closed everything. I first moved my investments for XXXX reasons : a ) they were not at all helpful and responsive when I wanted to refinance y home at a lower interest rate. b ) After the persons I was working with left the company for other jobs, no relationship was established with me and when I made a request, no action was taken on my investment account. I am urging other to take heed and look for a bank that will serve you with integrity. XXXX ) Also, they cause me to loose over a thousand dollars by not cashing an old check. They took the check and gave me a piece of paper that the XXXX XXXX would not honor. They should have given back the check so that I could have had it reissued. XXXX egregious acts ... .stay clear.
|
| 09/06/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
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|
Web |
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I have a saving account in HSBC Bank.
I did an International wire transfer to a bank account in XXXX on XX/XX/XXXX.
The amount has not yet been received by the receiving bank. They need wire details to see if the transaction actually happened but HSBC continuous to deny the details of wire transfer to me, indicating that they are hiding something and have taken my hard earned money.
See below the response. I tried calling the number they have mentioned multiple times with no luck, it keeps circling and eventually hangs up.
Clearly HSBC does not have good intensions about safeguarding my money.
See below the communication I have received on XXXX XX/XX/2021.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear XXXX XXXX, Thank you for contacting HSBC Bank USA, N.A.
We have received your BankMail inquiry with regards to the wire transfer initiated from your account on XXXX of XXXX for the amount of {$3000.00}.
Upon checking we see that the wire transfer is processed from our end and the recipient should have had the funds credited to the account on or before XXXX of XXXX, 2021.
Here 's the confirmation code for the transfer : XXXX.
Request you to check with the recipient or the recipient bank once and if in case the funds have not been credited to their account, We recommend you to contact us at XXXX XXXX - XXXX M-F, during the wire room working hours, the team will transfer to the wire room so that they should be able to check this for you.
You can also reach out to us via webchat as we are available XXXX.
Beginning XX/XX/2021 we have made it faster and easier for you to get help with your service needs when you navigate to Messages in your HSBC Mobile App. Instead of sending us a BankMail/Message when you need help, you can now chat with us in real time. You will still have access to all of your incoming messages. You may still send BankMail/Messages in Personal Internet Banking at this time. Be sure to check your app store to ensure you are on the latest version.
Thank you, HSBC Bank Mail Team HSBC Bank USA, N.A. 2021. All Rights Reserved.
|
| 07/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I opened a credit card years ago with HSBC. Due to a problem with automatic payment of my credit card in late XX/XX/2019, I realized from an email that I was late on one payment. I promptly contacted HSBC and was asked by a representative to pay {$100.00} in fees. He then told me that would resolve the issue. I paid and didn't get any more emails aboutthis totoday. After that time I didn't use my credit card anymore. I contacted my XXXX relationship manager around that time ( I have $ XXXX with HSBC ) to have the fees removed but didn't get any answer. I didn't receive any physical mail about this ( unless it was stolen, which happened in my building a lot in the past but is unlikely today ).
In XX/XX/XXXX I got stuck abroad for 8 weeks and got sick. I checked my account from abroad on the HSBC website and saw that the account was open with new fees. I called HSBC from abroad but couldn't wait for 2 hours to talk to someone. I left a message on the HSBC website asking for a callback that never came. As soon as I flew back to the US I called HSBC. The call center said that the account was closed long ago and was delinquent. On top of that, my credit score is ruined even though I was never told the account was closed ( to that day I can see it on the website ), and I got no email or communication about this.
I tried to resolve that issue with my XXXX relationship manager however he deflects and is not helpful. I was told 4 weeks ago that I would be contacted but this has not happened yet. In conclusion, despite being a XXXX client with more than $ XXXX in my savings account ( so ability to pay is certainly not a problem ), HSBC has added fees and taken actions that hurt my financial well-being without informing me and didn't give me the ability to correct ( no email about this after I paid the requested {$100.00} fee, no message on the website, no contact from my XXXX relationship manager about this, no mail ).
I've attached all the emails I got from HSBC. The past due payment is clearly shown in XX/XX/2019. But after that no further email. I've also attached a picture of my accounts - basically from the website it really looks like the account is still open even today!
|
| 05/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American |
|
XX/XX/2018 To : Federal Reserve Bank, XXXX consumer finance This is a complaint Against HSBC Bank. USA, N.A XXXX XXXX XXXX XXXX, XXXX XXXX.
In the last few weeks I experienced difrential and unfair treatments by HSBC bank caused me great stress and aggravations.
I tried to reach the bank for a number of days to close the recent card sent me without any success. ( card No : XXXX ).
I applied for a credit card about 6 weeks ago. I received the approval and the credit card thereafter. I activated the card successfully. Days after a found that a block was done on my credit card. When I called a representative requested identifications of my address and my driver license which I did send them to the website they provided they emailed to me. Days later a representative told me that they did receive them and under review.
For about three weeks I tried to find out if I can use the card without success.
Every time I called, the agent, I was transferd me to other agent. In each transfer, I waited 20 to 40 minutes without response.
On XX/XX/XXXX, I called the following listed HSBC numbers : XXXX ( XXXX ) XXXX at XXXX, XXXX ( XXXX ) XXXX XXXX at XXXX, XXXX ( XXXX ) XXXX at XXXX and XXXX ( XXXX ) XXXX atXXXX. And again was not able to connect to any agent. Finally, the agent of the number XXXX ( XXXX ) XXXX informed me that my card is activated and ready to be used. Later, I tried to charge {$100.00} to XXXX, the charge was declined.
This caused me real anguish and distress. Therefore, I decided to call to cancel the card using all available HSBC numbers without any success.
Every time the agent tells me that he will transfer me to the team who handle my Account. And every time I wait and wait and did not get a response.
Therefore, I decided to cancel my card and get confirmation that my credit card is canceled and the account is closed. That to be sure that my account will not be hacked. Until today XX/XX/2018 I was not able to.
These practices by this bank represented unfair treatment and disregard of the consumer rights. Again, this would create risk of hacking my credit and hurt my credit.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX
|
| 04/20/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Recieved several calls from XXXX XXXX regarding a file number and account in my husband 's name. They called him, me, and his ex-wife. I called them back and spoke with a representative named XXXX XXXX at XXXX . He told me that my husband had and XXXX mastercard that was opened in XX/XX/XXXX in XXXX County that he was active with and making payments on until XXXX of XXXX but then had an outstanding balance left of XXXX . He gave me his social security number and his former addresses, including one that w ould be accurate at that time. Figuring it was a legitimate debt I agreed to pay it, he emailed me a contract and I signed that electronically and then gave him information to make the payment. I then contacted my husband to follow up. He never had a credit card at that time, it was not his debt. He also checked his credit report to verify that this charge was not on it. I called XXXX back and told him that it was not a valid debt and that they were not allowed to collect those funds. He was able to list everything on my husbands credit report and claimed that that the account he told me about was the same as the account listed there, however I paid that account in full a couple months ago, and the amounts and dates did not match up. He told me that i was committing a breach of contract, that he has me on a recorded line agreeing to pay the amount, and that they would file ligation against us to collect the amount and more because of that breach of contract. He back pedaled and tried to claim that if i provided him with the paid in full information they would just clear the debt, when i told him that the account on the report is not the one he is claiming to collect on he said that there is just a discrepancy in the amount, he also said that they pulled the charge off the credit report to pursue it. So not only was there just a discrepancy in the amount, but it was not really even there. He called me idiotic, rude and argumentative, and consistently contradicted himself. I explained that we would not be paying that amount, contacted my back to ensure that no charge would be approved by them and informed him that I would be reporting them for fraud.
|
| 06/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
I was a " premier '' customer with HSBC which they advertise as there highest level of service and that they advertise " Choose how, when and where you want to do business with your dedicated XXXX XXXX XXXX ".
They recently decided to cancel my credit cards and accounts - I would assume as part of their withdrawal from the XXXX as i qualify by the standards still shown on their website for accounts. My complaint in not that they canceled my cards and account - as I know they can at any time and I am completely unworried by that as I had existing relationships with other banks. My complaint is that my first notice of their action was my credit cards bouncing, then being canceled by XXXX XXXX as begin invalid. This caused significant embarrassment with regular merchants and for my wife and I having transactions declined. It would seem HSBC wrote a letter on XX/XX/XXXX- the same day they cancelled the cards ( received some 6 days later ). When I called the premier help line once I was sure there was an issue two days later I was just told it was a " security issue '' and I would have to wait for the letter. My complaint is that HSBC, contrary to the service implications of their " premier '' advertising, did not have the good grace for a personal banker / anyone ( as promised ) to reach out and advise that they had taken this action. I am not complaining about the action itself, rather the way in which is was carried out. They behaved like we are all thieves and they chose to cancel before telling us. That is very insulting and contrary to the principles of treating customers fairly.I made a formal complaint to HSBC on XX/XX/25 and followed it up on XXXX. Their policy says they will reply to complaints in 5 working days hence making this complaint. I would also add that they were elusive and it took 42 minutes to finally get to make a formal complaint on this matter. My view being that there is was " effort '' to make the hurdle of complaining too high. I would add that the premier chat operator was not aware of the letter his own firm had written so couldn't really help anyway. I have written to the OCC and the NYDFS on their complaint failure and this sharp practice.
|
| 12/07/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I received a letter/statement datedXX/XX/XXXX from a company called XXXX. It did not contain any alleged amount due, or on whose behalf they were collecting for. i called them onXX/XX/XXXX and talked to one of their agents. He said this was an old XXXX XXXX XXXX ( HFC ) debt that they were acting as a collection agent for. It was either a 2nd or 3rd mortgage. I told him that my house had been foreclosed on in XXXX. I received another letter dated XX/XX/XXXX, which I have attached, that is identical to the first one received. I received a settlement opportunity letter dated XX/XX/XXXX, stating that the amount I owed to them was {$37000.00}, but if I paid by XX/XX/XXXX, I could settle my account by paying half of that amount, which is {$18000.00}. On XX/XX/XXXX I received a phone call from XXXX. I informed the agent that my house had been foreclosed on in XXXX, and that the Statute of Limitations in Michigan to collect on such a debt was 6 years. She indicated that XXXX or HFC had received a payment from me in XX/XX/XXXX, which meant that the statute would still be valid until the middle of XXXX. I said that was impossible, because why would I have continued sending money on a house I no longer owned. She said that even if the statute had run out, I still owed the debt. I said that they no longer had a right to pursue collection after 6 years. I have enclosed 2 HFC statements, dated XX/XX/XXXX, and XX/XX/XXXX. The first statement was the last one I could find in my records before I found the last and second statement. The last payment of {$510.00} was made to HFC, check # XXXX, dated XX/XX/XXXX from XXXX XXXX XXXX. It was cashed by HFC on XX/XX/XXXX. I have attached my carbon copy of the check, and my statement of account from XXXX. As you can see by the HFC statement dated XX/XX/XXXX, the amount past due was {$4000.00}. Since my last payment was made XX/XX/XXXX, if you go forward 8 months to theXX/XX/XXXX statement, figuring a monthly amount due of {$510.00}, that would approximately equal the {$4000.00} that I would have been behind. I have no idea how or why XXXX says they got a payment from me in XX/XX/XXXX. Why were n't they pursuing what they say I owed years ago.
|
| 07/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On XX/XX/XXXX I made an on-line application to HSBC for their gold Mastercard.
Application ID:XXXX On XX/XX/2019 I received a phone call supposedly from an agent of HSBC. He wanted personal information from me over the phone.
There were a number of problems with this phone call. The first one being that I am severely XXXX XXXX. I tried telling this to this man to no avail. I told him I was having great trouble XXXX him and could he please contact me by email. He told me he would not and could not do that. This was enraging. Can HSBC or other credit card companies not accommodate their customers who are XXXX or XXXX XXXX? This seems a violation to me of basic respect, care, and concern. I also think this is clearly discriminatory.
Secondly, I told the man I did not know who he was and had no way of verifying that he indeed was associated with HSBC. He told me he could give me a phone number to call him back at. I told him that all that did was give me a phone number at which I would have no way to verify I was calling HSBC and it also brought up again that I was XXXX XXXX. Was there a part of that which that man did not understand.
I told him again I would gladly answer all questions by email. He said again, he would not and could not do that. They have my email address as part of the application. I see no reason why they couldn't make this accommodation+. Lately there have been a great many phone scams directed to the elderly, I have no way of knowing this was not one of them.
I am assuming by the time you get this complaint the credit application has been denied. A black mark against my sterling credit record and scores. All because HSBC and its agent could not make accommodation for a man who is XXXX XXXX. This to me is not only unwise business practice but is also clearly discriminatory under what I believe is the law.
I had no way of contacting HSBC. They did not give me an email address to address this issue to them and no phone numbers so I sent them a letter yesterday, an admittedly slow way of dealing with the issue but the only one I seemed to have.
I sent the letter to their mailing address : HSBC Bank USA, N.A.
XXXX XXXX XXXX XXXX, NY XXXX
|
| 10/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
In XXXX XXXX. I received a {$150.00} offer to upgrade my HSBC choice checking account to HSBC advanced checking account. I upgraded my account on XX/XX/XXXX and met all the requirements, but I never received the credit. I have contacted HSBC twice recently, however they refuse pay the credit.
According to the terms, I need to 1. Upgrade your existing HSBC Choice Checking account to an HSBC advanced checking account from XX/XX/XXXX through and including XX/XX/XXXX. I upgraded my account on XX/XX/XXXX.
2. Meet one of the Advanced Qualifying Criteria. Maintain combined U.S. personal deposit and/or eligible investment balances of at least {$10000.00} within 30 calendar days from the date of upgrade to Advance or at least {$5000.00} with a recurring direct deposit from a third party to your Advance checking at least once a month or any HSBC U.S. residential mortgage loan. On XX/XX/XXXX the combined balance of my checking and saving account reached over {$10000.00}.
3. Maintain the minimun Qualifying Criteria for 3 consecutive calendar months from the first full calendar month after account upgrade. Since XX/XX/XXXX, I kept my account balance over {$5000.00} with monthly direct deposit until XX/XX/XXXX, which include 3 consecutive months XXXX, XXXX. and XXXX.
However, HSBC claims that the third criteria was not met because it requires XXXX to be included. Since I met the second requirement on XX/XX/XXXX, I didn't meet the third requirement.
I can't accept their explanation. It is clearly stated that I have 30 days to meet the requirement, so " from the first full calendar month after account upgrade '' should imply XXXX, XXXX. and XXXX. Otherwise, no one will have the full 30 days window to meet the requirement. In my case, I only have from XXXX. For other people, if they upgrade on XXXX of the month, they will only have 15 days, it they upgrade on the XXXX of the month, there's only 10 days left.
The terms of the offer is misleading and self-contradictory. I have met all the requirement and HSBC simply refuses to pay the credit, which is totally unacceptable.
The offer confirmation and my checking, saving account activities has been attached for refernce.
|
| 01/19/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, MI XXXX XXXX To whom it may concern : It appears that the cooperation between us, HSBC and XXXX has deteriorated to the extent that I have no choice, but to continue try and prove that by their mistakes and unwillingness to get this problem resolved. I will continue to address this the best I can, and present evidence I have available to me. This is a continuation of a complaint, case # XXXX.
I am, again, requesting a complete and in depth audit of the entire year, XX/XX/XXXX, of my mortgage account with HSBC ; loan # XXXX. HSBC mortgage statement, dated XX/XX/XXXX, shows a payment was received, automatic deduction, from my credit union, on XX/XX/XXXX, credit union statements will be provided upon receiving a new case number. Please note HSBC statement Principal balance is the same for XX/XX/XXXX, and XX/XX/XXXX, and shows no activity on XX/XX/XXXX. HSBC statement XX/XX/XXXX, also shows {$800.00} being billed as escrow, and was disbursed, but no credit to principal or escrow, meaning, somewhere along the line, HSBC made a miscalculation as the cause of this problem. My investigation goes back into XX/XX/XXXX. If you calculate the amount {$1100.00}, then subtract the {$800.00} from escrow, the sum is {$390.00}. That is very close to the amount left accounted for according to the spreadsheets, I provided XX/XX/XXXX, of {$390.00}, in my favor, but that still leaves the question, what happened to the {$850.00}, that HSBC statement dated XX/XX/XXXX, was on hand.
Since the trust and integrity of HSBC and XXXX has deteriorated to almost zero, because of trying to deceive and hide the truth and other things. I am submitting my remedy.
Turn over the title to my home, free and clear, absolutely no attachments, pay {$150000.00}, by certified check, for all the number of times HSBC has breeched the foreclosure agreement of XX/XX/XXXX, and broke the original contract signed XX/XX/XXXX. Admit to wrong doing to the public through the media, and other agencies. This has caused a lot of undue stress, frustration and extra expenses, when there could have been a very easy way to remedy the problem.
Thank you, XXXX XXXX XXXX
|
| 08/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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Hello. Back between XXXX I had a mastercard, ending in XXXX with HSBC. This was paid off over 8 years ago. We have filed disputes with all the bureaus back in XXXX because HSBC kept sending it to collections agencies and we had to have it removed from our credit long after it was paid off. The last time we sent our information in was back in XXXX and again in XXXX. The files were removed from our credit and listed as paid off. I received a call on XX/XX/XXXX from XXXX XXXX XXXX XXXX company ph XXXX, saying they were about to garnish my wages, put a summons on my door step, contact my employer, will take strick action, file suit in court and file the collections unless I pay $ XXXX balance to them immediately. I explained it was paid for, explained the years that it was paid off, that it was removed from my credit back over 8 years ago and they said they would be putting it on my credit report unless I paid them that day. We've gotten NO notice this was even trying to be collected. Looked them up and they have a current " XXXX '' rating with XXXX and have MANY other consumers have been affected exactly the same way over the last 3 weeks, specifically with HSBC trying to collect on paid for debt, and old debt, the complaints are public on XXXX. XXXX XXXX XXXX XXXX filed an illegal collections account on my XXXX credit report on XX/XX/XXXX and listed a falsified charge off date of XXXX. Tennessee statute of limitations states it must be collected within 6 years of the last payment. This account was paid off over 8 years ago, removed from my credit once for being paid off and now is back on my credit report through XXXX on a collection, way beyond the SOL and falsely listed because it's paid off AND has a false date. Please help me correct this. Please look back at my XXXX, XXXX and XXXX reports and you will see that it was removed over 8 years ago and this is a false collection under the SOL. I am trying to find my original paid off letter, but we lived in XXXX XXXX from XXXX and were victims of the XXXX XXXX Floods, so I'm having difficulty finding it. Please punish them for all this horrible illegal activity they are committing, both HSBC and XXXX.
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| 11/12/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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Affirmative Complaint Against HSBC FOR FRAUDULENT DECHIEVING BUSINESS CONDUCTS- LURING PEOPLE TO OPEN BANK ACCOUNTS FOR THEIR OWN BENEFITS On or before XX/XX/XXXX, we noticed the HSBC bank promotional web advertising Little step, big money with up to {$600.00} Cash Bonus.
On or about XX/XX/XXXX, we opened the bank account through their promotional website link.
On or about XX/XX/XXXX, at XXXX XXXX, we called the HSBC bank at XXXX and talked to one of their customer service representatives, XXXX, double checking this account opening promotion. He said to meet any one of the accounts opening qualifying conditions : 1. Balance of {$75000.00} in combined U.S. consumer and qualifying commercial U.S. Dollar deposit2. Monthly recurring direct deposits ( see attached their printed letter page 2 ) and after eight weeks, which is around XXXX of XXXX.
On or about XX/XX/XXXX, seeing no bonus funds, we made a few calls, talking to XXXX and other customer representatives, and were informed that we needed to wait six months plus eight weeks to receive the funds. It means that they will hold our money till XX/XX/XXXX. Not knowing all these requirements, we had to wait till then.
On XX/XX/XXXX, at XXXX XXXX, again not seeing anything, we called and talked to XXXX and XXXX. They told us that they would talk to their back office and investigate this matter and called us back.
On XX/XX/XXXX, not receiving any calls from them, we called at XXXX XXXX. We talked to a lady, XXXX, and were connected to XXXX. They said this issue had been resolved and we would see the bonus in a few days.
On XX/XX/XXXX, at XXXX XXXX, still not seeing anything, we called and talked to a person named XXXX. He promised to check and call us back.
On XX/XX/XXXX, received no call from them, we called and talked to Ms . He at XXXX XXXX. She said she would talk to the people in the back. We gave her what we had got from their rep. XXXX. She said XXXX was no longer working there.
On XX/XX/XXXX, we called again and talked to a persona named XXXX. She denied all and said we must do direct deposits to be qualified.
We want to file this complaint and believe that it is serious fraud and deceit.
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| 11/28/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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1- XXXX has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State SCP Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX XXXX estate, I am requiring the claimant to present proof by affidavit. 2- In CFPB response XXXX, HSBC states , " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. HSBC held a security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX ( copies enclosed ). HSBC sold the loan at issue to XXXX XXXX XXXX effective XX/XX/XXXX. '' HSBC has thus confirmed they have never held a security interest in XXXX XXXX XXXX XXXX, as this property does not lie in the meets and bounds of the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770, and is absolutely not the property contained as a security interest in said loans. However, XXXX continues to force place insurance and threaten legal action with regards to XXXX XXXX XXXX XXXX ; a property in which they have no security interest in. It has been well documented XXXX 's actions are both fraudulent and deceptive.
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| 08/28/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I had opened and funded a new online choice checking account with HSBC in XX/XX/2019, following a link on their main page that qualified you to earn a bonus of {$200.00} if you used a link on their landing page and maintained a deposit of {$1500.00} or more for 3 consecutive months.
The bonus amount was to be credited to my checking account within 8 weeks of the 3 month threshold. When I checked in late XXXX after I had satisfied the bank 's requirements fully, I didn't see the bonus amount credited. I chatted with their online chat rep and she confirmed after reviewing and researching my account details and history that I had met the requirements and should have received the bonus. She told me she's logging a ticket to get this issue resolved and I should see the bonus deposited in 5-7 business days. I again checked after 10 days and still didn't get my bonus amount. I called their call center in mid XXXX and the rep logged another ticket and told me we should have an answer in 3 days or less. I checked after 5 days and still no change. I called their call center again on XX/XX/XXXX and they advised me they don't know what has happened and the rep who opened the ticket will be the only person who can provide the status. After long wait, I got a call that I will not be getting the bonus because I didn't use the " right link '' from their landing page.
I think this is a flimsy excuse with no backing facts to deny the bonus, when all this while over 6 months I wasn't made aware that I would not qualify. I feel like HSBC was not transparent, they cheated and defrauded me while holding on to my funds for over 6 months. I am sure, I am not the only consumer who is facing this situation, there might be 100s or even 1000s more who fell in this trip where HSBC can conveniently deny the bonus amount on flimsy grounds leaving consumers stranded while holding on the free capital in hundreds and thousands of dollars, i.e., free money. I have initiated withdrawal of all my funds and will be closing my account in the next 1-2 days.
This amounts to a fraud in my opinion and HSBC should be investigated to see the depth of financial crimes in this case.
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| 06/29/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/19 I applied to open an HSBC Advance Checking account in order to qualify for the bonus offer of {$350.00} for opening and funding a new account. The terms stated that you could not have been an HSBC client already and that once you open the account you had to fund {$10000.00} in new money between checking and savings and keep it there for 90 days. After applying for the checking account and getting confirmation that the application was being reviewed, I also applied for a savings account on XX/XX/19 so that when I deposited {$10000.00} it would be able to sit in the savings account earning higher interest. The savings account application was approved immediately while the checking account application was not approved for more than two weeks. I deposited {$10000.00} into savings as was outlined I could. After not receiving the {$350.00} bonus offer in the timeframe that was promised, I have contacted HSBC multiple times and have been told that I did not qualify for the bonus because I already had a relationship with them because my savings account was opened before the checking account, despite the fact that I applied for the checking account first and the only reason that the savings account was opened first is because they pushed through the savings application and delayed the checking application. They are also saying that the money had to have been deposited directly into the checking account, despite the fact that the terms and conditions of the bonus offer simply state that you must deposit {$10000.00} in new money between checking and savings accounts. Nowhere did it state that the money had to be routed first into the checking account. When I kept pressing that I was not satisfied with these answers, they have come back and said I also don't qualify because I did not use the bonus offer link ( which I did ), even though my wife used the same link I did to open an account and received the bonus. They have not offered any evidence of this and there is no way for me to disprove it. I did everything to comply with the terms of the offer in good faith and they are denying that I qualify based on technicalities that they caused.
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| 05/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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In late fall of XX/XX/XXXX, I received an offer in the mail saying I pre-qualified for an HSBC Cash Rewards Mastercard and that if I applied before XX/XX/XXXX, I would receive the card whose benefits included a {$150.00} Welcome Bonus for spending more than {$500.00} in the first 3 months. On XX/XX/XXXX, as per the invitation 's directions, I applied for the card by going to us.hsbc.com/cashrewards and putting in the Invitation Number XXXX. I soon received a letter ( dated XX/XX/XXXX ) saying I was approved. However when I received the card on XX/XX/XXXX, the information accompanying it ( dated XX/XX/XXXX ) said the " {$150.00} Welcome Bonus would be rewarded after I'd spent {$2500.00} in the first 3 months NOT the promised {$500.00}!! I immediately called HSBC on XX/XX/XXXX and again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request the error be corrected. Each time, the representative ( some of their names are XXXX, XXXX, XXXX, XXXX ) promised to call back within 24-48 hours but NEVER DID. I did spend the {$500.00}, well within 3 months. On XX/XX/XXXX, I talked with XXXX via HSBC 's Chat Support. XXXX said that I would receive the bonus after 3 months. But that never happened. In XX/XX/XXXX, when I called AGAIN, the representative said the office that handles rewards claimed I didn't use the Invitation Number. But I did. YOU CAN'T APPLY WITHOUT ONE. Literally. The website screen is a blank space for the Invitation Number. They also said I would receive a letter from " the office '' explaining this. But I never did. This " bait and switch '' promotion is unacceptable. I only applied for the card to get the {$150.00} Welcome Bonus. I NEVER would've applied for the card had I known it required I spend {$2500.00} in 3 months instead of {$500.00}. My documentation includes : PROMOTIONAL OFFER ( which indicates a Welcome Bonus for spending {$500.00} ), CARD PAPERWORK ( where they switched to having to spend {$2500.00} ), SCREENSHOT OF CHAT WITH XXXX ( where he says my bonus is coming ), SCREENSHOT OF WEBSITE ( which shows you have to use Invitation Number so they are lying when they claim I didn't!! ) Thank you ...
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| 02/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On or about XX/XX/XXXX, an unknown person or persons opened fraudulent XXXX accounts using my credit card issued by HSBC. The first charges, on XX/XX/XXXX, were small ( {$1.00} and {$14.00} ) and I missed them when I reviewed my statement. The next FIVE charges, made on XX/XX/XXXX and XX/XX/XXXX totalled {$3500.00}. I IMMEDIATELY called HSBC and notified them that these charges were fraudulent. I also called XXXX and they confirmed that the accounts did not match any information on my legitimate XXXX account and were considered fraudulent charges. I also notified HSBC of this determination by XXXX. The HSBC representative told me to submit in writing the charges I was disputing and if they could not determine them to be fraudulent, they would charge me interest on the charges, which I would be expected to pay.
I made a spreadsheet of the disputed charges, with dates and transaction numbers and sent that information to HSBC at the address they provided to me. I also paid the legitimate charges on the account and immediately stopped using the account. HSBC closed the account and issued new cards, which I have never used.
The statement received the next month ( ( XX/XX/XXXX-XX/XX/XXXX ) showed all charges had been cleared and they determined they owed me an additional {$540.00}. I requested that amount to be refunded to me and planned to close the card account. The next statement showed the {$540.00} refund and a balance of {$0.00}. The NEXT statement, dated XX/XX/XXXX, showed that three of the disputed and previously settled charges had once again been charged to my account and that I now owed {$1500.00}!! I immediately AGAIN contacted HSBC, talked with three people over the course of an hour and they now say they will " look into the matter '' but that I owe them this money, plus any interest accrued while they " try '' to settle this case.
I DID manage to cancel the credit card during the course of these conversations, but still have had no word as to how their internal bookkeeping can not seem to settle this case. The three charges are clearly three of the charges I sent to them on my spreadsheet, dated XX/XX/XXXX and XX/XX/XXXX
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| 04/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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|
Web |
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Response to - XXXX1- HSBC responded with incorrect card member agreements. I saved all card member information received from HSBC. My information is different than what they provided. This is mentioned to highlight the pattern of mis-information being spewed out to customers by HSBC. If corporate relations employees can't get it right, how can telephone employees located across the world get it right?
2- They say they attempted to find phone records to back up my claim of the phone conversation I had with their reps. There were three phone calls made, the first being the call that I was told the purchases made during the intro period would remain interest free until paid off. I have two phone numbers, both registered with HSBC. however HSBC only mentions attempting to find one phone number. For clarification the phone number used for all three phone calls pertaining to this situation were made from XXXX.
To re-cap - we have a complaint alleging incorrect information was given to a consumer ( me ). We have a response from HSBC supplying incorrect documentation and information. This pattern, again, supports my claim that I was given the information I'm saying I was given. Whether or not it is incorrect information should not matter. What should matter is I, the consumer, called for clarification of my card member agreement and I was given the incorrect information which led me to make a financial decision that instead of benefiting me the consumer, benefits HSBC. Had I been given the correct information I would have not used the HSBC card to make my purchase.
**Portion of previous CFPB complaint*** I received a card with an into APR of 0 percent on purchases for the first 18 months. Nowhere in my card member agreement or paperwork received from HSBC did it state whether or not the intro APR would change on purchases made but not yet repaid by the intro APR expiration date. I have a XXXX XXXX card and, the purchases made are at the intro APR until they are paid off. So, I called HSBC and asked about how the intro APR worked. I took notes. I was told the intro APR expiration would not expire on purchases made within the intro period.
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| 04/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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|
Web |
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On XX/XX/2023 HSBC Bank chose to suspend my account and put it under investigation or review without any notice to me no correspondence whatsoever about the situation on XXXX the XXXX XXXX I tried to log into my online account and could not and I got an error message saying it was suspended so I immediately called the bank they said that it was some sort of problem to call back the next business day on the second of XXXX I called because I usually get a direct deposit on the XXXX of every month and that's when they told me that my account was being up for closure because of some review or investigation without any other notice to me they then said that they were just going to accept my direct deposit but I would have to wait until the account was closed all the way and then I will receive my money. I tried to get the direct deposit stopped but it was too late seeing that it was going to be put in for the next day so the funds were in the account that I could not access since then I have been trying to get my money back from HSBC Bank and I have been given the runaround. I've called 17 times and talk to XXXX managers or supervisors and they all tell me the same thing they don't know when it's going to be that I will be able to look for a check in the mail. This is very very unfair I feel like they're trying to take my money from me and it's not fair whatsoever. Since this problem with HSBC Bank holding my money unbeknownst to me, I have been evicted from my home for non-payment of my rent, I have been in financial ruin because of late fees and bad credit reports because of the money being held and I can't pay my bills. I am XXXX and I received disability benifits from the social security administration disability insurance and that's the money that they're holding from me. I explained several times to the HSBC supervisors with no recourse they do not care and they are acting like it's not anything that they can do about it. They still haven't told me why this is happening still no correspondence no phone calls no emails no letters. I totally feel like this is very very illegal and it needs to be spoken about, please help. Thank You
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| 05/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened the Choice checking account ( Account # XXXX ) at HSBC bank onXX/XX/XXXX. There was an opening bonus of {$200.00}. I have met all the requirements to qualify for the bonus but the bank is not posting the bonus of {$200.00} to my account. I talked to them and they say that since I had an credit card account prior to opening the checking account I do not. qualify for the bonus. The two are entirely different products and the two are not related to each other. I printed the offer terms when I opened the account and I have created the following attachment 'HSBC Choice Checking bonus {$200.00} promotion -Old Offer '. It is a .jpg document and it shows that under the terms there is no mention of any credit card account being the reason for disqualifying the bonus. These were the terms at the time of opening the checking account. it does say that the offer is for opening a new checking account which it was since I never had any checking account with HSBC before.
I have created another attachment 'which is the current offer 'HSBC Choice Checking bonus {$200.00} promotion -New Offer '. This document is a text document and ithe terms are very similar to the similar to the other document ( the Old Offer ) showing that there are currently offering the same promotion and again in the new offer there is no mention of the credit card account being the problem.
The following attachments are the bank statements form XX/XX/XXXX through XX/XX/XXXX showing that I have maintained a minimum balance of {$1500.00} all this time. This was their main requirement for the qualification of the {$200.00} bonus HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement All these documents show that I have met and satisfied all the requirements for the {$200.00} bonus offer according to the bank terms in the offer. The {$200.00} bonus should be posted to my account as soon as possible. If the bank still claims that I do not qualify then their offer was very misleading.
Please let me know if any additional documents are needed in support of my compliant.
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| 03/15/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I opened a new HSBC checking account with {$350.00} new account promotion in XX/XX/XXXX. I satified all the promotion requirements by setting up the direct deposit. Two of my friends opened the new accounts 1 week later than me. Both of them received the {$350.00} bonus at the end of XX/XX/XXXX. The latest time based on the promotion terms and conditions should be the end of XX/XX/XXXX. But till now, XX/XX/XXXX, I still did not get the bonus. I tried more than 10 times to contact the HSBC customer service. After checking the promotion 's terms, all the representatives aggreed that I satisfied all the promotion 's requirements. Then they forwarded my case to the backend promotion team for further research. I received the responses only twice of all my requests. Mostly, they promised to reply within 4 business days, then nothing happened. The first time the backend team stated that I did not qualify for the {$350.00} promotion because I already held an account with HSBC Bank USA while opening the new account. But I was not holding any HSBC account when openning my new checking account. The terms stated " Customers who held any HSBC personal account between XX/XX/XXXX and XX/XX/XXXX are not eligible for this offer. '' But my previous HSBC personal account was closed before XX/XX/XXXX. The second time the backend team stated that did not qualify for the {$350.00} promotion because I opened a new savings account along with my new checking account. But there was no any limitation on opening a new savings account in the promotion terms and conditions. I do n't think openning the new checking and savings accounts together could make me ineligible for the new checking account promotion. In addition, the two of my friends opened the new savings accounts too. They received the {$350.00} bonus. All in all, I met all the new checking account promotion 's requirements. But HSBC Bank USA refused to give me the bonus in different unreasonable excuses. The bank wasted a lot of my time without correcting their fault, even though I had contacted them for more than 10 times. They even did not reply to my customer service requests as they promised.
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| 10/10/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Used obscene/profane/abusive language
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Web |
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XXXX XXXX XXXX and XXXX XXXX XXXX have promised a Trade Line deletion in exchange for payment for a Charged -Off debt purchased from HSBC . Unfortunately, the payment was received but the written agreement for the deletion of this account 's " Trade Line '' and " all credit reporting that has been done on this account '' has not been honored. I have brought this concern directly to HSBC. Although my concerns were clearly documented with specifics, HSBC has rerouted my concerns ( with inaccuracy ) to a " request for HSBC to remove its credit bureau reporting due to debt being paid or settled in full with debt buyer ''. Clearly, HSBC 's summation is not the concern, and this gives the appearance that they simply do not care. These institutions have legal teams with great experience at wordplay, at times this only adds confusion to the consumer but not real solutions to problems that have negatively impacted the consumer through no fault of their own. Institutions like HSBC have no incentive to take my concern seriously. This huge oversight has negatively impacted my credit, and re-victimized my family. See previous reports from CFPB Case # XXXX ( and the attached ) where obscene language and abusive language was also reported -- not from HSBC. Using terms like " Trade Line '' deletion and " all credit reporting that has been done on this account '' are clear terms any consumer would reasonably expect to be honored. Any consumer would have been under the impression XXXX and XXXX XXXX. received permission to enact this promise. There should not be a need for " buried in blueprint explanations '' or exemptions as to why this promise did not or does not apply. If deception was not the intent, then I simply ask for PFS to work with HSBC to " right this wrong ''.
We are grateful CFPB supervises banks, credit unions, other financial companies, as well as enforce federal consumer financial laws. The small guy can easily become devoured had it not been for your organization 's dedication to law and fairness.
As it now stands, HSBC has now " dinged '' my credit report, made changes to it, and has done more harm at this sensitive time.
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| 06/23/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I was relocated to XXXX by my company, and was issued benefits through a relocation company ( XXXX XXXX ) that included benefits with the sell of my current home. In XXXX 2015 I started the process to sell my home, I had to go through a number of inspection and repairs before my house was able to be placed on the market. Once under contract, paperwork would be done between the relocation company and myself.Then how it works is, I sell the house to them, and then the sell of the house would actually be between XXXX and the new buyer. I went under contract in XXXX, and was advised by the relocation company not to make the payment they would take care of everything. Apparently the first check sent to HSBC was received at the Dock according to the USPS but the payment never applied to the account. XXXX did a stop payment after 2-3 weeks and sent another check overnight. Which at that time, it was already late.Then there was a problem with the attorney and they had to get a new XXXX, which delayed us about a week or two. I signed the contract selling my home to XXXX on XXXX/XXXX/2015 and was issued a settlement check on XXXX/XXXX/2015 for the proceeds from my home. I was told I was done with the house, and even if it fell out of contract, I was no long responsible. The buyer did have trouble and it took longer to close, so XXXX was responsible for making the payments. XXXX was sending the checks for my mortgage payments. Unknown to me they made XXXX of these payments late. Worried about my credit, a called and spoke with a gentleman by the name of XXXX XXXX, to repeatly be told that my credit would n't be effected, the late fees would be reversed and even sent me a letter confirming our conversation. Later to find out my mortgage was report late for XXXX months. Since then, I have made a number of phone calls and sent contracts, settlement statements, the letter from XXXX, letter from XXXX accepting responsibility. I faxed papers, I have done everything to get this fixed and know one will help. This is effecting my credit, and now I am unable to obtain a new home loan based on the fresh mortgage lates reporting on my credit report.
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| 10/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I was notified of fraudulent charges on my HSBC credit card via text message on the night of XX/XX/18. This notification was due to the charges exceeding my credit limit of {$5500.00} for the card. I immediately declared these charges as fraud via text message response to freeze my credit card. After reviewing my credit card statement online, it showed 12 fraudulent charges from XX/XX/18-XX/XX/18, including a {$4700.00} charge at a furniture store. These transactions totaled to {$5200.00} worth of fraudulent charges added to my balance. I subsequently called the HSBC 's fraud hotline, but was unable to get in contact with a customer support representative. I later received a voicemail from the a representative from HSBC 's fraud team on XX/XX/18. But when I attempted to reach that number, I was still unable to get in touch with a representative to help me with the issue. On XX/XX/18, HSBC charged the outstanding balance of the credit card, which includes all the fraudulent transactions charges, directly from my XXXX 's checking account without notice. I continued to contact HSBC fraud support multiple times, and was finally able to reach a customer representative to file a fraud claim. After receiving the fraud claim application by mail on XX/XX/18, I received a fraud claim denial on XX/XX/18 before I was even able to submit the fraud claim to HSBC. Following this, I filed a police report on XX/XX/18 for grand larceny, and sent both the fraud claims and police report to HSBC 's fraud investigation team after I received the physical police report on XX/XX/18. Since then, I have routinely followed-up with my case investigator from HSBC, and he is unable to provide any updates to their investigation, or resolution for my charges. On XX/XX/18, I received a check from HSBC for {$240.00}, which still leaves {$4900.00} of the {$5200.00} to be refund to me. On XX/XX/18, I contacted the police station to follow-up on the status of the police investigation, and I was told that the case had been closed because they were unable to find security footage from the furniture store, and tracking of the shipment address led to a fake address.
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| 09/08/2015 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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I originally wanted to transfer some funds from XXXX bank account to another bank account. With changes HSBC has made to their online banking and further security procedures in place, you must have a security device and/or download an app on a phone or tablet, which I was not interested in doing. I do n't feel I need to be obligated or responsible for another electronic device or to do banking from an app, especially when the reviews are very poor. I asked to close my account when nothing could be done without signing up for their security device. I have been trying to close this account since XXXX XXXX and today with XXXX XXXX, without success. My address shown on the account was a previous address, which was about five years old and needed to be updated. They would not send the check to my new address ( even though I was able to submit government proof of my new address ). They need to submit the change to a different department and someone from the address or verification department was to contact me within XXXX hours. Five days later, I still had not heard from them. I made several attempts to get this resolved, but they continued to give me the run around. I could not close the account, without the address change, but they would not complete the address change. Today XXXX XX/XX/2015 XXXX, I try again to call to close the account. Now I am told that it will take another two days to close the account. Also, they will send XXXX but that someone needs to be present to sign for the package. I told them that no one is home during the day to sign for the package. I asked if I could have it sent to my office or have the package left at the house without a signature. I am told no. I will have to wait to get the undeliverable notice XXXX, then complete the form XXXX to make delivery arrangements or pick up at the XXXX office, which is not convenient when I get out of work or even open. Basically, with all of this I will not be getting my money for another week!!! THIS IS UNACCEPTABLE! I started out only wanting a transfer of a small amount, now I do n't have the small amount I needed and I ca n't seem to close my account neither.
|
| 01/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I refinanced my HSBC loan with a new bank in XX/XX/XXXX. HSBC Unjustifiably charged me {$3400.00} at the closing date. HSBC stated that this amount was belonging to my outstanding unpaid fees from XXXX loan modification. HSBC it is stating that its previous loan servicer, XXXX, did not include {$3400.00} in the final loan modification amount, therefore, this amount should have been paid at the time of future refinance. The executed note Modification agreement in XXXX clearly stated that all unpaid amount including interests and unpaid fees are summed as my new loan balance. There have not been any signs of additional amount {$3400.00} anywhere else. Within the last five years from XXXX HSBC never communicated nor disclosed that such amount {$3400.00} had existed. Therefore, I can conclude that such amount did not exist. And, even if HSBC is stating that his previous loan servicer forgot to include this amount in the loan modification agreement this would be a serious mistake solely caused by the HSBC previous servicer. HSBC should have gone after his incompetent servicer for HSBC lost money not after me as an honest consumer which have no control over the servicer 's mistake. I agreed to sign the loan modification agreement based on the facts and contractual information which were clearly disclosed. I would not have signed the loan modification agreement if {$3400.00} was included in the first place. Therefore, at this time, I request HSBC to pay my money back as soon as possible. As it can be inferred from media and public information sites, this is not the first time that HSBC is causing such errors and violating good faith lending practices. As a customer, I should be protected, and my voice should be heard. HSBC failed to make its own fiduciary on time assessing its third-party wrong doings. Again, the said amount, {$3400.00}, if existed should have been disclosed to me within much earlier time but not on my refinance day. I believe justice will prevail at the end especially in our beautiful country, USA. Again, I demand HSBC to release my money and amicably resolve this issue internally as soon as possible. Thank you.
|
| 11/06/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
1. Despite confirming that I will be visiting the branch to collect the new account package, the relationship manager sent it through mail which caused significant delay in getting access to the account after it is funded. Email communication can be provided as evidence as needed2. After attempting to activate my online account through https : //www.us.hsbc.com/1/2/home/personal-banking on XXXX XXXX, no XXXX password was received as of XXXX XXXX despite the XXXX hours delivery Service Level commitment which is likely due to system fault as discussed with various HSBC staff3 . Relationship manager sent highly sensitive Personally Identifiable customer confidential info ( name, account number, address, Social Security Number ) through an unencrypted zip file attached to an email in violation of HSBC information security policy and industry best practices / regulations ( e.g. XXXX ), putting customer security and privacy at significant risk. Such information was never requested by me and Email communication can be provided as evidence as needed4. During customer support call on XXXX XXXX, customer service staff provided falsified information regarding the password delivery time by stating it will be delivered to my mobile device within XXXX minutes ( where it should be XXXX hours ) with the sole intention of ending the support call without resolution5. During the second support call on XXXX XXXX, customer service supervisor confirmed a call back from a US-based support staff with knowledge of my case and resolution at XXXX EST on XXXX XXXX. However, no attempt was made to contact me until I initiated contact with HSBC later that day. The supervisor also provided a non-existent / falsified customer service case number with the intention of ending the support call without resolution. All subsequent HSBC staff that I contacted has no knowledge of the nature of the incident / complaint demonstrating significant communication issue between onshore and offshore ( XXXX ) support teams6. As of XXXX EST XXXX XXXX ( 7 days after account creation ), the bank has not offered any means to access the account placing customer funds at risk
|
| 10/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Other transaction problem
|
|
Web |
|
|
The following complaint is in reference to my HSBC Direct Savings Account # XXXX In XX/XX/2021, I received a solicitation message from HSBC bank about the availability of a new multicurrency account called XXXX XXXX. I immediately opened the new XXXX XXXX account ( Exhibit # 1 ) and on XX/XX/2021, I converted {$100000.00} into Euro currency receiving EUROXXXX. In XX/XX/2021, I received a communication from HSBC stating that I need to close my XXXX XXXX account by XX/XX/2021, otherwise If your XXXX XXXX Account remains with a balance after this date, we will automatically convert any foreign currency balances in your wallet at the current FX rate and deposit the USD equivalent into your US HSBC deposit account. We will then proceed to close the account on your behalf. Basically, HSBC Bank is forcing me to convert my Euro money into USD and take a financial loss of {$5000.00} or more. On or around XX/XX/2021 I called HSBC Customer Support Hotline to let them know that I do not intend to take that loss. I also reiterated that its HSBC Bank obligation to hold me harmless from any risk or loss arising only and exclusively from its management decisions. HSBC Bank NEVER disclosed to me that the XXXX XXXX account will have a limited life and duration when they enticed and solicited me to open that account in XX/XX/2021 ( Exhibit # 2 ). Having said that while reiterating my strong resistance to convert my EURO currency into USA and take a huge loss I requested the following : 1 ) My XXXX XXXX account to remain open until I deem convenient for me to close it.
OR 2 ) HSBC Bank transfer my EUROXXXX money into my external EURO account without converting it.
OR 3 ) HSBC Bank transfer my EUROXXXX money by converting it into USD and credit {$100000.00} into my HSBC Direct Savings account so to hold me harmless and avoid any financial loss.
Since then, I did not receive a definite answer from HSBC bank other than a callback promise that never came. This is the reason for my complaint with your office. Hopefully you can assist me to protect my assets and avoid a financial loss arising from HSBC Bank management.
Sincerely, XXXX XXXX
|
| 09/08/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX I received a text message from HBSC bank someone was trying to use my card. I was to text back yes or no if it was me then instructed to contact fraud. I contacted fraud department and I was told to destroy my card and a new one will be issued pin will stay the same the Rep said. I waited over the time frame for the card to arrive so I visit one of the local banks in XXXX XXXX NY. I went there to get money not only was I being denied my money because I refuse to sign like my ID signature which I signed when I was XXXX years old and my signature has changed for the past 14 years I have never had this issue. But then finally I was given money out of my account. Then I went to customer service to ask about the were about of my card. I was told they were not sure and I asked for a tracking number and was told there was no tracking number. I said that does not make sense and explained I will be leaving the next for work. I was told nothing can be done and the way I spoken to in front of my son made me really upset. I asked why do you guys not give temp cards XXXXl XXXX and XXXX give cards on the spot then I was told maybe it is best I transfer to that bank. After being with you guys since XXXX I am so upset for the treatment of my own money. Almost a month later XX/XX/XXXX I received my HSBC replacement card. I activated in the morning the same day used the card the same day with no problem. I went to ATM to find out my pin has been changed which I did not request, was not commutated my pin will change and did not received any type of mail about been change. Last night XX/XX/XXXX I had an emergency and went to with draw money which I could not do because my pin was not working. I contacted HSBC bank I was hung up on with firs rep when she said she could not find the card in the system. Called a different rep and I told I was my card is blocked for 24hrs. I explained I needed my card and then I open the app I was charged {$35.00} insuffient funds which is inaccurate I check my account almost everyday and never seen negative or under amount I need to use I am highly upset and I do plan on now leaving HBSC.
|
| 02/23/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
As of XX/XX/XXXX, I continue to be denied access to information per the Real Estate Settlement Procedures Act ( RESPA ) regarding my deceased parent 's home from XXXX XXXX XXXX XXXX. My mother passed away in XX/XX/XXXX and my father passed away in XX/XX/XXXX. Their estate is insolvent and therefore, mortgage payments could not be made by the estate. The mortgage is currently in default. Shortly after my father 's passing, I timely initiated communication with XXXX XXXX XXXX XXXX and informed them of the situation. On XX/XX/XXXX, I received notification from Beneficial stating, " Based on the documentation provided by you, or on your behalf, XXXX XXXX XXXX XXXX, acknowledges you as being responsible for the borrower 's estate. Our records have been updated to reflect this information. We are committed to facilitating communication with you regarding the borrower 's mortgage loan account and will work with you whenever possible. '' On XX/XX/XXXX based on a hardship request I made to Beneficial, I was conditionally approved for a short payoff through their loss mitigation process. Very shortly thereafter, I was I was then later notified by Beneficial that my father 's loan was transferred to XXXX XXXX XXXX , XXXX effective XX/XX/XXXX, and subsequently transferred to XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX. Beneficial did state that all documents regarding communications, negotiations, modification requests, etc. would also be transferred to XXXX without interruption. This was later confirmed by XXXX on XX/XX/XXXX via their follow-up notification. Information requests to Beneficial, as recent as XX/XX/XXXX, including a Qualified Written Request, have gone unanswered by Beneficial. How is it possible for Beneficial to transfer the servicing of my parent 's loan and subsequent sale of their loan to investors during the loss mitigation process? Although Beneficial stated XXXX would honor the existing loss mitigation agreements, XXXX has neglected to do so. Beneficial is conducting business in a fraudulent manner which places further hardship on homeowners when trying to resolve issues in a lawful manner.
|
| 02/06/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We got XXXX XXXX tax forms from HFC with XXXX sets of numbers, I called HFC and they told me that their company has sold all their mortgages to a company called XXXX XXXX. so I explained that I should call this company they proceded to tell me that they have n't received any paperwork from HFC that we would have to wait at least 3 weeks or so I explained that we were doing our taxes because we were going XXXX and needed to get them done, he said that wasent their problem, I explained that I spoke to the IRS and they told me to send in our taxes and I explained that if we were audited that they would be responsible because this is what the IRS told me to tell them the gentleman from XXXX XXXX told me to get a lawyer.he was very nasty.When we got a mortgage loan in XXXX from HFC they took out XXXX for our loan payment everyweek through XXXX.they told us if we pd weekly that we could pay the loan off much quicker, then we purchased a new vehicle in XXXX XXXX and financed that loan through XXXX in which HFC ended buying them out then HFC bought out XXXX out.So that is how HFC ended up with our car loan.We did not know this until we went to sell the vehicle that HFC had purchased XXXX, but HFC did not keep the accounts separate they added the car loan as a remortgage, So that is why they still have us owing XXXX for a house mortgage.Then this past XXXX they added XXXX XXXX XXXX to the same loan for taxes, we always have paid our own taxes, we did n't have escrow.They ended up paying somebody elses taxes and added it to our loan.The family that they pthey said they paid the taxes paid their own taxes, they are n't even mortgaged through HFC.This has been going on for years.I am about ready to stop all paynents to this company.They have scammed people over and over, Thant is why they are probably going out of business.We are about ready to get an attorney.I asked for the document from XXXX to now I got the documents for every month except the month of XXXX XXXX those are the documents I asked for and have asked for for years and they have n't sent them.Everything I have faxed to them they said they never received them.
|
| 08/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
My mom sent 2 wires from her checking at HSBC to my checking account at XXXX XXXX twice, unsuccessfully, because she mistakenly used a retired/stale XXXX XXXX routing number ( XXXX ) notwithstanding the right account number. Rightfully, twice the amounts were bounced back to her HSBC account but each time {$50.00} was withheld ; in total a total of {$100.00} was docked, given 2 round trips.
I would like to request courtesy waive and imbursement of the {$100.00} as it was an honest mistake and first time offense. However, neither sending bank ( HSBC ) nor receiving ( XXXX XXXX ) acknowledged that it charged the fee. Its a mystery case but {$100.00} is withheld by someone but neither is helpful in figuring out whom, simply directing me to the other.
The two dates, out-going and bounced amounts were were ( statement also uploaded ) : 1st : XX/XX/2023, out-going wire = {$830.00} from HSBC ( returned XX/XX/2023 but only {$780.00}, {$50.00} lower ) 2nd : XX/XX/2023 out-going wire = {$780.00} from HSBC ( returned XX/XX/2023 but only {$730.00}, {$50.00} lower ) I called HSBC Customer Service and visited HSBC Branch ( at XXXX XXXX , even spoke to Branch Manager on XXXX ) and was told that the fees were not charged by HSBC, and directed me to XXXX XXXX. I called XXXX XXXX Customer Service and visited its branch ( at XXXX XXXX in XXXX XXXX on XX/XX/XXXX ) and was told XXXX XXXX did not charge any fee. In fact, the retired/stale routing number that my mom used wont accept any incoming wire ( or the amount would have been applied towards my account ) XXXX XXXX XXXX ( All other XXXX XXXX Offices XXXX XXXX XXXX XXXX ) From speaking with HSBC and looking at statements, these 2 wires were sent via XXXX ( XXXX XXXX XXXX ) and the relevant sequence # on both wires, both outgoing and the bounced return were included in the statement attached I also tried calling XXXX at its customer service number shown online but a representative told me they wont interact with retail customer ( XXXX XXXX XXXX at the Customer Service at Phone : XXXX ) At this point, I dont know where to turn to appeal for the reimbursement of {$100.00} fee
|
| 02/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Nonrenewal, Other, Premium Notice/Billing, Unsatisfactory Settlement/Offer Other Reason XXXX : Accounting Breach Implied Covenant of Good faith *Details of the Complaint : Starting on XXXX XXXX XXXX the XXXX day of XXXX, the Insurance company has delayed the Mortgage payments to the extent of causing extra fees and deferred interest among other charges to make the pay-off a larger amount than when the XXXX began.After the insurance coverage limit was reached at $ XXXX on XXXX the next XXXX statements indicated {$00.00} owed for those months. Then in XXXX XXXX a statement came saying to start making payments of roughly {$1000.00} per month again.I made those payments and they were not applied anywhere.Though I did notice that the deferred Interest amount had increased by almost the exact amount that those ( XXXX ) payments I made totaled.I then sent them a QWR letter requesting documents and an explanation.What they sent back was evidence of their wrongdoing over the past 12 years since we started the mortgage including the XXXX periods broken into 24 month segments.They basically kept sending continuance of XXXX forms and rejecting them and saying we needed to fill out a different XXXX in order to delay paying themselves.These forms were filled out by Certified Doctors each time.
They even sent XXXX letter back saying that my doctor ( XXXX XXXX was not a real doctor even though they had accepted her forms for over a 2 year span.She is a real doctor XXXX or was at that time.So I had to get a new doctor to fill out the continuance forms. At that time I was XXXX. The situation caused XXXX on me and my wife.XXXX I did file for a Chapter XXXX Bankruptcy and it was discharged XXXX. I did not reaffirm the Mortgage.I am faxing several pages of documents for your examination of the problem. I just want the amount owed to be right and them not to be allowed to cheat us as they have done to several million people over the past XXXX decades.Please feel free to call me with any questions or more documents. I have hundreds of pages of letters and statements.
Please help us out if you can.
Thank You, XXXX XXXX XXXX
|
| 11/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I was a self-employed home inspector. The housing market began a sudden decline and as a result I started to become delinquent on my bills. I received a check in the mail, from Beneficial of Ohio, in the amount of {$5000.00} along with a letter stating that, Records indicate that I may need some financial help at this time and all I had to do was sign the back of the check and cash it to open my account with Beneficial Finance. I thought the low in the market was temporary and so I took the offer.
Once I got behind on this loan the fees and interest rate started to build up at a very rapid pace and no matter how hard I tried to work with Beneficial the fees and interest kept outrunning anything I could do. In XX/XX/XXXX Beneficial received a judgement against me for the amount of {$6100.00} which was far more than the amount I owed on the original loan in which I paid on for a couple years. I tried working with their attorney, XXXX XXXX to no avail. They refused to accept any and all offers including an offer in XX/XX/XXXX for the full amount of the settlement. They have now filed for a Revivor and said that I will now have to pay over {$13000.00} to settle this amount.
This original loan was predatory in that they knew I was having difficulties when they made the original offer and they have continued this predatory practice ever since by adding fees, cost and interest that make it impossible to ever pay off.
I had a total of 9 creditors in XX/XX/XXXX and was able to avoid bankruptcy by working with each and everyone of these creditors. Some settled, some differed interest and penalties as long as I made regular payments, but I was able to work with them to do the right thing. I attempted to do the same with this company only to be called names and be told that they will get all their money plus much more by XXXX XXXX, who works for XXXX XXXX, the attorney Beneficial uses to strong arm their clients.
I have never denied owing them the money I borrowed and I have tried to work with them time and time again yet they continue their loan shark type tactics to increase their own profits.
|
| 04/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
My name is XXXX XXXX and I applied for and obtained HSBC checking and savings accounts a long time ago ( I forgot the exact time ). My HSBC checking account number is XXXX. At the time of my account approval, I was given a Select Credit account without my awareness.
A couple years ago, I had an overdraft from my checking account for a few thousands of dollars. While my savings account had more than $ 20k, HSBC charged the so-called 'Select Credit ' account for the sake of charging me more interest. I fount out the Select Credit account carried an interest rate of more than 5 %. HSBC could have drafted from my savings account, where I did't have to pay any interest. Because HSBC 's desire to make more interest income, I was charged interest without my knowledge through Select Credit account which I did not even apply for.
Throughout the past year, I contacted HSBC several times and explained the situation. They did credit me back the interest and fees each time and agreed to cancel my Select Credit account. However, in a few days each time I called HSBC, they restarted charging me fees again and never canceled the Select Credit account. Now, it is {$16.00}. While it is a small number and I can easily pay for it, this charge was unfair. What made the situation worse, HSBC put this {$16.00} into collection and was reported to the credit bureaus. My FICO score now drops from over 800 to XXXX and it affected my mortgage refinance.
I contacted HSBC 's customer service today. They asked me to contact their collection team. I told them it is very time consuming to call another number and asked them why the customer service can't resolve this issue. I gave them a choice - either the customer service resolve the issue now or I will contact CFPB. Then I got the most ridiculous answer from HSBC - go ahead to contact CFPB.
I reached out CFPB to help me resolve this situation. I want HSBC to credit me back the fees ( {$16.00} XXXX and to contact credit bureaus to correct my credit scores. If possible, I want HSBC to pay punitive damages to cover my time and effort to correct this situation so many times.
|
| 02/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX, collection agency telling me that I had an outstanding debt due to breach of contract with HSBC bank for approx approximately {$1800.00}. In XXXX I started down a path of receiving a loan from HSBC bank and got pretty far along until I realized they were trying to sign me up for a business loan. When I realized this I let them know I did not own a business so I shouldnt qualify. They quoted me a much higher interest rate for a personal loan and then nudged me to continue with the business loan since if I freed up some debt with the business loan I could potentially start a business making the loan legal. I told them I was not interested in that and discontinued pursuing the loan with them not was I interested in their offer for a personal loan. I never received any loan from them and our communications ceased at that point. They would periodically send advertisements to me for other loans mostly through the mail but other than that I never heard from them again. Then yesterday XX/XX/XXXX I heard from this credit collection agency. They stated there had been numerous attempts to contact me which as far as I know there were not. I felt it could be a scam so I immediately checked my credit reports. First of there was no indication of collection from either XXXX or HSBC nor was the loan I had started to peruse in XXXX on my credit report. Then I noticed on my experien credit report a hard inquiry for that very day XX/XX/XXXX from a consulting company called XXXX XXXX Partners. This was an unauthorized credit check. I immediately put fraud alerts on my credit reports and disputed the hard credit check. This complaint is against all parties mentioned HSBC bank for trying to give me a business loan well knowing I did not own a business then possibly selling my information to a collections agency without ever contacting me. XXXX collections for intimidating me and making me think there was a lawsuit pending in courts and pursuing collection of debt I believe to be false. And XXXXXXXX XXXX partners for running an unauthorized hard credit inquiry.
|
| 06/11/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
XXXX XXXX contacted me regarding a charged off HSBC. I advised the collector that I did not believe the debt was collectible because it was already charged off. I requested debt validation via phone, fax, and mail. I never received anything and they stopped contacting me. They then obtained a default judgement. I was never served. They never validated the debt. My paycheck was garnished and when I contacted my employer I was notified that my paycheck would garnished for 25 % until the debt to XXXX XXXX XXXX is paid. I contacted XXXX XXXX at XXXX XXXX XXXX and she said I owed {$1700.00} as of XXXX XXXX, 2015 and interest was still accruing. I asked her to validate the debt and she advised me it was from a XXXX XXXX collection on an HSBC account ending in XXXX. I advised her that XXXX XXXX never validated the debt and demanded that XXXX XXXX XXXX validate the debt, in writing, and asked how they received a garnishment order without a court order. She said it was public record. I asked her to forward me a copy of the judgement. She declined. I have medical issues that are exacerbated by stress and I just wanted to be done with this nightmare. I offered {$1000.00} but she declined and countered with {$1200.00}. ( The most I have ever owed HSBC was {$630.00}. ) I agreed and offered to pay with a debit card. She refused and said she HAD to have my checking account routing and account number in order to make the agreement. Against my better judgement, I contacted my bank for the routing number and discovered {$820.00} had already been garnished from my paycheck. I called XXXX back and asked her to draft a written agreement that the account would be paid in full once the remaining {$430.00} was paid. She refused, saying that the amount garnished does not affect the {$1200.00} settlement amount. I refused to give her the checking information and she said they would continue with the garnishment. To date, my wages are being garnished, the debt has not been validated, the actual amount owed is unknown, I 'm not even sure it is my account, and I do n't know how they got a judgement without my knowledge.
|
| 03/13/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
HSBC.
I, XXXX XXXX, had lost my job in XXXX. Notified the mortgage lender, HSBC, of the matter. I didn't land a job until approximately 3 months later, informed HSBC that I will began making payments in doubles until I was caught up, however, they had told me that there was a new policy stating that the whole past due amount ( totaling appx. 5000.00 dollars ) would need to be paid. Furthermore, no payment smaller than the past due amount would be accepted.
At that time, it was winter going into spring, in XXXX New York. Therefore, I was behind in the heat and electricity, the car loan, and owed back payments in child support. There was no way for me to be able to pay the amount that was requested by HSBC. Hence, the house ended up in foreclosure. I could not afford a lawyer, at that time and still can not.
After many phone calls, and time passing, the loan that had plagued my life, had been closed. The house was sold in an auction in XX/XX/XXXX of XXXX, according to XXXX XXXX XXXX XXXX ( contact info : XXXX ). Although, on my credit report it shows that the account had been closed on XX/XX/XXXX. I do not understand how they had closed the account on this date when I was still making payments until I was unemployed. To make matters more confusing, this Monday, XX/XX/XXXX, I received a notice via XXXX XXXX stating that I owe HSBC a past balance of {$120000.00} dollars, yet the loan was for {$55000.00}. Even more confusing is that it states that I made a payment on XX/XX/XXXX. I WAS LIVING IN XXXX!!!!!!!! THE HOUSE WAS SOLD ALMOST A YEAR BEFORE THEN!!! WHICH, I HAD NO PRIOR INFORMATION ABOUT!!!!!
I called HSBC ( contact info : HSBC BANK USA NA CREDIT INFORMATION DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ) looking for more info on the matter and they had directed me to XXXX XXXX XXXX XXXX. No one had given me any information proving to me that I owe the amount, yet there is still another account on my credit report showing that I do not owe HSBC anything. I will print a copy of the report and send it to your mailing address along with a copy of this complaint.
|
| 07/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Without warning or justification, HSBC USA froze my account in XXXX XXXX after I deposited a check and after my direct deposit was paid into the account on XXXX XXXX. I was not given notification, and despite alleged claims that their fraud department told verbally that that thee check would be held 5 days that never happened and in reality the hapless overseas employees HSBC uses asa their back office rather than give me a timeline implied that there was no timeline they had to respect. I now see this is the case as 7 weeks from then they are still holding my money illegally and can not tell when I should be receiving it.
According to the regulations from the Federal Reserve bank that governs availability of deposits, as my deposit was a state check from CA not deposited in person the funds should have been made available to me for withdrawal no later than the second business day afterward what an HSBC customer service agreed was the funds availability schedule. and yet I was never given notifications to this day the only written notification I have received about my checks and direct deposit and anything having to do with my account being frozen has been in response to my formal complaint to regulators. HSBC has brazenly been in non-compliance of various regulations that dictate availability of funds for withdrawal, all of which stress that the bank has a duty to do it in a timely manner, and must notify me anytime they deviate from these strict guidelines ( XXXX ; XXXX ; XXXX ; XXXX ), and even taking into account the exceptions in XXXX they must still be made available to me in a timely manner. I do not believe HSBC had 'reasonable cause to doubt collectibility '', even if it had, that was answered when the check was paid. Keeping my funds for 7 weeks after this and not allowing me withdraw my money via ACH transfer violates my rights under regulations Especially since my account was not officially closed for the past 7 weeks. I think HSBC has so violated the spirit of the regulations that I am well within my rights to seek the maximum civil liabilities from them as outlined in XXXX.
|
| 10/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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Welcome bonus not posted XX/XX/2019 -- I saw the {$350.00} bonus promotion for the checking HSBC Advance account through website https : //www.us.hsbc.com/checking-accounts/campaigns/offers/ # advance-checking-details.
-- I clicked the apply button from the page above and applied for the account on XX/XX/2019. I received the email ( email 3 ) from HSBC stating that the application is being reviewed. I will be reached out within 48 hours with futher instructions, with the application ID of XXXX.
XX/XX/2019 -- I received an email from HSBC stating that the application is approved, but not able to complete the initial deposit. ( email 2 ) Application ID is still XXXX.
XX/XX/2019 -- I received an email from HSBC stating the account has been approved, with additional details to sign up for online services with HSBC. Application ID is still XXXX. ( email 1 ) XX/XX/2019 -- I funded the Advance checking account with {$10000.00} from an external account of mine.
XX/XX/2019 -- I transferred {$9900.00} from Advance checking account to my HSBC Direct Savings account. XXXX- XXXX. XXXX INTERNET BANKING. XXXX INTERNET BANKING.
-- This transfer would still satisfy the " Deposit a minimum Qualifying Balance of {$10000.00} or more in New Money in COMBINED CHECKING AND SAVINGS accounts within 30 calendar days of account opening ''.
++The combined account balance on my checking and savings has been over {$10000.00} and has not changed since XX/XX/2019.
XX/XX/2019 -- I contacted HSBC via chat because I did not see the welcome bonus posted to the account. This was now 154 days after the account is opened. Account balance has been over {$10000.00} and has not changed since XX/XX/2019. I requested of the case to be reviewed for the welcome bonus of {$350.00}. The case ID XXXX.
XX/XX/2019 -- Called HSBC to provided additional information, which is the application ID XXXX for further investigation. Through the whole conversation with an agent, she was not able to find the original application from her system. Then she further searched in other system, but couldn't locate the application with ID XXXX.
|
| 12/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2020, my wife and I visited a beach restaurant on the island XXXX in XXXX and we had a small lunch. Beach restaurants on XXXX often require their guests to hand over their credit card when entering to reduce the risk of patrons absconding without paying. After our small lunch ( six oysters and two glasses of prosecco ), before we even received the bill, the waiter handed back my credit card and a credit card slip that showed a charge of XXXX Euros equating to a charge of US {$1100.00}. This was possible because the restaurant used the contactless payment feature of the credit card which requires no PIN or signature. I obviously protested immediately and demanded reversal of this outrageous overcharge. They completely ignored me, and pretty much laughed in my face. So I immediately called my bank, HSBC USA, from XXXX. My bank advised me to dispute the charge when returning home, which I did a week later upon return to California.
However, my bank, HSBC USA, treated this as a billing dispute and asked me to show them the restaurant bill. I explained to them several times that I never received a bill from the restaurant and that the charge should be considered fraudulent and that I never authorized this transaction. My dispute was simply declined because I can't produce the bill.
I find it unacceptable that HSBC Bank USA allows contactless payment without any form of authorization for amounts as high as {$1100.00} where the merchant can grossly overcharge the customer and there is no recourse. Especially since I immediately reported this fraud by phone after it happened, on XX/XX/XXXX.
This bad-actor merchant in XXXX seems to have figured out that they can fleece their tourist customers and that the bank will not take any action or responsibility for the risks this contactless payment exposes their customers to.
In short : an unauthorized credit card charge, with no authorizing PIN or signature, for an amount as high as {$110000.00} that is immediately reported as fraudulent and disputed according to the bank 's processes, should be reversed and not charged to the customer.
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| 03/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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HSBC XXXX XXXX # XXXX HSBC CXXXX XXXX XXXX # XXXX On XX/XX/2022, I noticed something strange happening to my credit cards. A new credit card ( XXXX XXXX XXXX ) was added to my profile, and whatever charge or payment was posted onto my old credit card ( XXXX XXXX XXXX ) was being posted and adjusted onto the new XXXX XXXX XXXX. I thought, this is just a system error, and probably, would get resolved in an update, etc. Few days passed, and I contacted HSBC customer service, and after the agent reviewed everything on the account, I was notified that ostensibly on XX/XX/XXXX, a letter was sent out to me, saying that if I no longer satisfy the XXXX relationship requirements, I will be downgraded. I never received that letter, and more importantly, I satisfied the HSBC XXXX requirements through both my HSBC deposit accounts in the US and my linked HSBC XXXX deposit accounts inside XXXX, and then downgrade has occurred by mistake.
I contacted customer service one more time, on XX/XX/XXXX, and requested my XXXX XXXX XXXX to be upgraded back to XXXX XXXXXXXX, as obviously I satisfy the XXXX requirements, and the system has downgraded me by mistake. I was told by the agent, after a lot of communications with the back office, that I need to " re-apply '' for the XXXX Credit Card and they can not automatically product change again.
So, essentially, HSBC without proper notice and communication, and by mistake downgraded me to the HSBC XXXX XXXX XXXX, and it was OK for them to product change me on their own, but now that I am pointing out their mistake, and want my old XXXX Credit Card ( which I paid a {$XXXX} Annual Fee for in XXXX, and did not even get to use it for the full year ), I have to go through a new application, and can not be automatically product changed...
This is double standards, and absolutely unacceptable. I, hereby, request HSBC bank to product change my HSBC XXXX XXXX XXXX to the HSBC XXXX XXXX XXXX, and give me my old credit card back, which I paid an annual fee for, and was downgraded by mistake, and without proper notice, and communication.
Thank you.
XXXX XXXX
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| 09/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
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Web |
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On XX/XX/2019 I was approved online for a credit card with HSBC Bank. On XX/XX/2019 I received two letters from HSBC. One without a date containing my new credit card with activate instructions. The other a dated letter from HSBC Bank USA, N.A., Fraud Prevention notifying me that they have have tried multiple times to reach me by telephone unsuccessful. A security block has been place on the account in question. When calling, please provide the reference number provided above.
When I call any number provided by HSBC Bank it is almost always multiple hours of hours of holding on with my last call to fraud prevention department XX/XX/2019 took a fraud prevention specialist 5 hours to answer my call. Upon speaking with this representative I was informed that I would be receiving an email with instructions and to follow those instructions and submit the necessary documents in order to remove the temporary security block on my account.
I submitted the necessary documents on XX/XX/2019 XXXX & again on XX/XX/2019 XXXX after discovering my account continues to be blocked by a security situation initiated by the HSBC security center without me making any complaint of fraud on my account to HSBC. XX/XX/2019 at XXXX a message is left at my contact number that I need to call them back again.
Every communication ( Chat, phone, email ) I have had with HSBC results in representatives being liars providing false contact phone numbers and instructions on how to remove the security block without processing the documents submitted. I have recorded video/audio evidence all of my communications with HSBC and would love for somebody to examine it.
Their is no excuse for any bank to create a high call volume by placing security blocks on newly opened accounts when most of the same information was submitted during the online application process that HSBC approved then denies to provide any service except not using my HSBC account by any means available to keep me uninformed.
Do not open any account with HSBC as it's nothing but a never ending head ache with apparently one goal. Eating the client!
|
| 09/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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HSBC Bank NA knowingly deceived me by using the Attorney which i hired to represent me at a house closing, to represent them ( HSBC ) instead. Hence, i was defrauded in multiple ways by thinking that i hired the Attorney to represent me, whereby he represented HSBC. Whereby, producing fraudulent documents ( by giving me blank documents ), and NEVER stating where the money for an alleged loan would come from. Hence, a fraudulent table-funded loan.
HSBC was quite aware of the fact that - that type of arrangement is FRAUDULENT AND A CONFLICT OF INTEREST. Please note that i have written proof from the Attorney, on his letterhead with his signature - whereby, he stated that he represented HSBC. Including other documents to state my claims.
I also have other supportive documents accordingly ... ..
HSBC is now using gross/polowy ( a collection agency ) to send me on-going HARASSING/BULLYING COMMUNICATION which includes fraudulent information, as well-as to include information for people I DON'T KNOW, and has attached their information to my name.
HSBC Bank NA must ask gross/polowy whom they have employed to stop harassing me, with fraudulent information, and to cease and desist from harassing me with their fraudulent/defamation of character which they - HSBC AND XXXX have made public.
HSBC has also allowed the company ( XXXX/XXXX ) they hired to harass me to attach/link information for people i do not know, and have never known to my name and personal information. Thus, further defaming my character.
HSBC Bank NA has also given the three major credit reporting agencies fraudulent information about me, which has seriously damaged my financial profile - whereby stating that i took a loan from them, as well-as other company on the same date, which is fraudulent.
XXXX shows that i'm linked with them as an active account holder. As well-as having multiple loans taken out on the same date - which is NOT TRUE.
Hence, i'd like to know who is at the helm of the current house foreclosure mill with such fraudulent information, while HSBC Bank NA continue their fraudulent practices?
|
| 03/21/2017 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I worked as a XXXX until XX/XX/2006 I was forced to take an early retirement because I got XXXX which XXXX. I was sent to University XXXX. So, I am able to XXXX, I have been plagued with complications since XX/XX/2006. XXXX.
This is just on going with this XXXX. I am not a XXXX either. XXXX is undifferentiated XXXX is awful.
I was a single mother of XXXX kids in my early XXXX when this hit me. I am still on XXXX I do not even drive and have n't since XX/XX/2006.
I was n't able to pay off this credit card HSBC Bank, Nevada, NA I sent them a letter with XXXX and explained that I could not repay the debt.
I lost everything financially, but because I work so my XXXX kicked in to cover my insurance and living expenses. But, because I always worked I am not eligible for state or federal aid just HUD.
Its been 10 yrs but this guys called me and has started sending me collection letters and phone calls.
I do n't have anymore money then I had then I have to pay for my own meds, co-pays, XXXX pays most, but I have a gap policy to pay, its a spend down on my XXXX XXXX it is all I live on.
My kids moved me here from XXXX area to XXXX so I can be close to my grandkids.
I do n't believe that if they got a Judgement I was in a XXXX and never got served. You had to be in a XXXX for months with every XXXX this has been on going for 10 yrs. I have a XXXX now and donated my XXXX for military. My XXXX is ok. I have had XXXX in hospital for 10 days on XXXX for weeks 24/7 going into my XXXX me 6 weeks each time. I just live with these troubles.
I am not on XXXX because I have XXXX or XXXX, I am XXXX.
I ca n't imagine how these people sleep at night. But, there should be laws to stop them after 7 years or 10 yrs.
Please help me I am prepared to show evidence of my condition.
I always paid my bills before this so I understand, but they should have just written it off.
Please help me I sold my car years ago to pay off the debts I could I do n't even own a car or drive.
Please help me stop this, really there should be better laws they know I am on XXXX XXXX is n't there laws to help me?
|
| 03/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I am an XXXX practicing in XXXX and XXXX. I was admitted to the XXXX approximately 35 years ago. My experience with HSBC has been singularly unsatisfying.
Around the end of last year I read an article in one of the financial magazines which listed the HSBC card as one of the best interest-frees cards available. I am working towards my XXXX XXXX XXXX. I applied for the card because I thought I would put my XXXX expenses on the card until I obtained my license and then pay off the balance before the end of the interest-free period.
I applied for the card. I heard nothing so I followed up. I was told that they could not verify my identity so nothing was done. It would have been nice to know. Instead I was never informed. I was told to apply again - which I did.
Again, after much time I received an email saying that my application was granted and that a card would be mailed to me. I never received the card and attempted, unsuccessfully, to follow up. I heard nothing until I received a fraud alert on the card. I never received, activated or used the card. I contacted HSBC and filed a fraud claim. I received a letter denying the claim ( for reasons I do not understand ). On the same day I received a letter from HSBC asking me to fill out and return a fraud complaint. I did this and have heard nothing.
I canceled the prior card and was issued a replacement with a {$1500.00} credit limit. I have a higher limit when I was 18. Based upon my experience thus far with HSBC I did not activate the card.
Last week I received a letter claiming that my application for an increase in the credit limit was denied. I never made this request. As stated, I have the card but never activated it.
Yesterday I received a bill from HSBC for the fraudulent charges in the amount of {$1000.00}. Have not contacted HSBC again. Instead I am filing this complaint hoping for a resolution of this matter.
By their action I can only assume that HSBC is accusing me of fraud since they apparently do not believe my statements made to them regarding my non-use of the card. This is quite troublesome.
|
| 05/25/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I've had issues with this bank before, but given that they're a reputable bank with a branch near my office, I decided to give them a second chance. Opening an account was relatively painless after submitting my government-issued identification and other information. It was only after I had opened the account and deposited my first paycheck that I randomly started experiencing issues.
First, it started with being unable to log into my account, which I'd been able to do since opening the account. Then, it was an issue of not wanting to download the app on my phone so requesting their personal security device. Then it was an issue of my PIN change not being recognized despite the correct steps I'd taken to have it changed to a number I can actually remember.
The last straw was when I deposited my first paycheck. I'd been XXXX for a long time, and I finally found a job. When I went to deposit my first paycheck, it accepted my ATM deposit and then when I tried to log into my account to pay bills, I was locked out of my account. I'd gone to the bank branch and experienced horrible customer service despite being a Premier account holder.
After no less than six times of visiting the bank branch and calling customer service to try to resolve the issue despite having no time due to starting a new job, I'm trying to force them into returning my money and closing my account at my request. Both requests have subsequently been met with numerous run-arounds claiming identity fraud alert holds on my account despite my very real and legitimate government issued identification submitted at account opening. I've not only had to miss time from work in order to try to resolve this by going to the branch and by calling customer service, but I now have to miss more time off from work in order to open a new bank account elsewhere.
Sometimes institutions that abuse their power don't deserve a second chance, and this is one of them. I wonder how calmly they'd be willing to hold on the phone for 30+ minutes at a time if their own money was jeopardized by their own ridiculous policies.
|
| 05/11/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Dear CFPB staff, I visited the HSBC XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Branch on XX/XX/XXXX, XX/XX/XXXX & on XX/XX/XXXX. The three visits were made in order to open a new Fusion First Business Checking account during the HSBC {$350.00} bonus promotion period.
A personal banker named XXXX XXXX XXXX helped me finalize the opening of my account on XX/XX/XXXX and an opening deposit of {$5000.00} was made on that date. The bonus promotion brochure I was handed by Mr. XXXX specifies the bonus requirements. Please see the attached scanned copy of the bonus promotion brochure.
I met the requirements as follows : Made deposit in excess of {$5000.00} on XX/XX/XXXX I registered and first logged onto HSBC net on XX/XX/XXXX I met the 120 day period of having a minimum balance of {$5000.00} on XX/XX/XXXX Based on HSBC 's Terms & Conditions for this bonus, I should have received the bonus by XX/XX/XXXX.
Upon not receiving the bonus, I called HSBC on XX/XX/XXXX and received confirmation that I met the requirements for the bonus and was referred to XXXX XXXX, the Premier Relationship Manager at the XXXX XXXX Branch for further assistance.
Mr. XXXX and I made a conference call with another HSBC banker named XXXX on XX/XX/XXXX. By using Access Control for Account Services and using the Activity Log Filter, XXXX confirmed that I met all of the requirements for the bonus.
On XX/XX/XXXX, I received an email from Mr. XXXX who stated : " I finally got your request approved. You can expect the deposit in your account within 4 weeks. I apologize for the delay but happy to report that you will be receiving the bonus. '' Please see attached copy of Mr. XXXX 's email.
Mr. XXXX was nothing but persistent, responsive, kind and helpful during this process. However, I do not find it acceptable that the HSBC back office will not credit my account with the bonus I was promised that I should have received by XX/XX/XXXX based on the Terms and Conditions of the bonus promotion brochure. Waiting another 4 weeks from XX/XX/XXXX, with the hope of possibly receiving my bonus is unacceptable.
|
| 02/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
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My credit card had a fraud of over {$500.00} in XX/XX/2018 and I promptly closed my card and asked HSBC to not renew it. HSBC registered a fraud complaint on my behalf and started investigation. Later they found that the transactions were actually fraud and sent me a letter explaining about it.
About 90 days after this incident, I received communication from HSBC that I had not paid back my credit card amount and should expect a dent in my credit score etc. When I contacted customer service, they explained the situation in detail. They explained that while the fraud charge was under investigation, the bank was expecting me to pay the amount back. Since, I did not make any payment, they levied late fee and interest on my account. Thereafter, once the fraud complaint was resolved, they removed the fraud amount from account but the late fee remained. Then, on the next cycle, they added more late fees as the account still had a balance and continued to do so for 2 more cycles. They informed me that this should not have happened in the first place and that they'd credit back the full amount to my account and it would not show a balance. They also apologized and sent a letter explaining the actions.
However, in the very next cycle, I saw one more late fee charge and also saw their credit. I contacted the customer service again and the new representative said that I needed to make the payment and the credit was not enough to offset the balance alone. I went ahead and made a payment and they immediately credited me back the amount paid. Amidst all this, they maintained that the whole fiasco should not have happened and apologized for it. However, by this moment, they had already reported the effect of late fees to credit agencies dropping my credit score heavily.
I am a diligent credit card user who has always paid it back in time, without a ding in my history. However, this incident is making me suffer a bad score through no fault of my own but the sheer negligence of HSBC who did not communicate anything clearly and left me frustrated with the whole system altogether.
|
| 06/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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The debt collector ( XXXX ) has falsely " parked '' old debt on to my credit report that was found to part of identity theft from XX/XX/XXXX. They have tried to " reage '' this debt onto my credit report as being opened XX/XX/XXXX and owing {$1200.00}. They have also falsely and illegally reported twice on this same account for another {$1200.00}, and have falsely said this was opened XX/XX/XXXX. XXXX recovery services has illegally harmed my credit on a debt that is not mine. XXXX and XXXX cleared this identity theft over XXXX or 4 years ago. I have written XXXX with no response. I have asked them to remove this from my debt as I do not owe on this debt. Not only have they refused to give me information on this debt, they have now double reported on my credit report in an effort to collect more money from me. My next step is to sue them in court if this is not resolved. I have attempted to get this fixed for almost 2 years now with XXXX. They have falsely reported wrong information on my credit report with XXXX, with the sole purpose of keeping this debt " alive '', when it should have been removed from statue of limitations in XXXX and when this was found to be used from identity theft years ago. Because this information was removed over 3 years ago from my credit report I did not keep that paperwork as I thought it was final. Then XXXX parked this old debt after purchasing it wrongfully after the fact when it had been removed from my credit report. The original debtor was HSBC and had been removed from my credit report only for them to sell this wrongful debt to XXXX after it had been found to be part of several accounts used as part of identity theft. I have asked for any signatures of mine, driver license, proof that this was my account and have yet to receive anything back. Please help me get this matter resolved as I feel extorted to pay two debts on an otherwise clean credit profile while Im looking to purchase a home. After an inquiry on a mortgage is when the 2nd reporting of the {$1200.00} debt was added to my credit report. Thank you for your assistance.
|
| 03/23/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
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Web |
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Transfer of funds via online ( transfer of personal funds with verified personal accounts ) not executed for a very large amount Sequence of events : 1. I had money in 2 accounts in HSBC as of XX/XX/XXXX : 2. I transferred the money from both the accounts to my own trusted account XXXX on XX/XX/XXXX after talking on the phone with an HSBC associate that helped me.
( Attaching the electronic transaction confirming the disputed request ) 3. I called XXXX, and they assured me that both the money was transferred it was reflected on my statement as of XX/XX/XXXX XXXX. On XX/XX/XXXX I called HSBC again. The associate assured me the money was transferred and helped me close the account.
5. On XX/XX/XXXX I was told by XXXX that HSBC recalled the money due to insufficient funds 6. I have been calling XXXX every day to find out where my money is starting from XX/XX/XXXX. They assured me that they will look into it.
7. I again called HSBC on XX/XX/XXXX, and was told it will take 3 to 5 business days to get my money back.
8. I again called HSBC on XX/XX/XXXX and was told that the money will be overnighted to me.
9. I again called HSBC on XX/XX/XXXX asking my call to be transferred to a manager. The escalation XXXX, XXXX, spent XXXX hours updating on the situation. He informed me that back office is closed at XXXX EST, and he will call back the next day at XXXX pm EST personally.
10. I did not get any call back from XXXX, so I called again on XX/XX/XXXX at XXXX EST and talked to XXXX XXXX Escalation Manager, ID # XXXX and spent more than an hour. She called Exemption team who informed her XXXX team has the money. XXXX, Manager of XXXX team, has access to the holdover account, which the fund will be drawn from to refund to me. I escalated the issue to XXXX manager, XXXX, a Team Manger to call me with an update. I never received a call back.
Currently I do not have my money, and am not sure when or if at all I will get it.
Please treat this as an urgent request from a customer trying to get her savings of 10 years back from HSBC.
I can provide other details on request
|
| 10/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
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I opened my XXXX checking account at the beginning of XX/XX/2018 with the promise of {$200.00} if I deposited {$1500.00} or more within 30 days and held a balance of at least {$1500.00} for 90 days thereafter. The {$200.00} was promised within 6-8 weeks after the conditions were met.
On XX/XX/2018, as evidenced by my attached statement for XX/XX/2018, my balance reached {$1500.00} to satisfy the first condition of the promotional offer. 90 days from XX/XX/XXXX would be XX/XX/XXXX.
My subsequent XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements show that my balance never dropped below {$1500.00} by the time my statement in XX/XX/XXXX closed. It did, however, in mid-XX/XX/XXXX which what I think is causing the issue.
After 8 weeks I inquired as to why I had not received the promotional offer yet. I was told by the representative, XXXX, that I did not meet the conditions for the bonus as my account balance dropped below {$1500.00} on XX/XX/XXXX. Turns out, he was just reading " XX/XX/XXXX '' as " XX/XX/XXXX '' and blamed it on the " small font. '' Convinced that I actually should have been awarded the bonus, he submitted a formal complaint to the marketing team and said I would be notified.
Several weeks go by and silence from XXXX. I give them a call. The front line representative ( didn't get her name ) goes over what I was saying, and agrees that I should have been given the bonus. She then looks at my investigation and says that the marketing team denied my investigation request for the bonus. I ask why. She says that she couldn't tell because they " didn't take proper notes. '' She says that since it looked like my investigation should have been approved, she will try to get me the bonus, but she would have to submit an additional investigation, but she would personally reach out to me with whatever happens.
Several weeks go by and silence. Since I can not seem to get a hold of someone who has both the ability to converse with me and make a decision in my investigation, I have been left with my only resort which is to follow through with a complaint.
|
| 11/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
Older American |
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On XX/XX/XXXX, my wife and I took a mortgage with HFC, now HSBC, which included a life insurance policy payment of {$120.00} covering both myself and my wife which was included and paid to HSBC in XXXX check with each bi-monthly mortgage payment. A total of {$940.00} ( every 2 weeks ). I could have taken a widow 's benefit on my pension, but it would have been a more costly deduction. On XX/XX/XXXX received a cancellation notice from a Co. named XXXX XXXX XXXX. of XXXX stating that as of XX/XX/XXXX my policy would be canceled. Upon calling HSBC at XXXX, I was told that they transferred my policy to XXXX in XX/XX/XXXX, as they did not handle insurance since than and that I was notified of that change. I was never notified. In fact, according to there web site ( XXXX ), they still sell insurance. I have always sent my insurance payment included with my mortgage payment every 2 weeks to HSBC. I was never told anything different. This not the first time that I have had problems with HSBC. A number of years ago filed a complaint with the state of XXXX after I had filed for bankruptcy which did NOT include my mortgage. HSBC stopped automatic withdrawal of my payments ( mortgage and insurance ) from my checking account, stopped paper billing, denied me access to their web site and changed my account number all without notifying me. After some time the state was able to correct these issues and returned my good standing with HSBC, although I still have to arrange for my bank to send the bi-monthly payments including the insurance made payable to HSBC, which thy have accepted and cashed and continue to do so. I think that I may have been canceled because HSBC may not have been sending the payments to XXXX. I have talked wit XXXX and they will not give that info or a reason why we have been canceled. I have made payments every XXXX weeks since XXXX of XXXX. On a premium stand point, I should be paid way ahead as I am with my mortgage. This Policy was supposed to be like a nest egg to incase one of us died the other would not have to sell the house unless they wanted to.
|
| 03/04/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
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This is a continuation of 3 complaints already submitted. I am trying to put all of the pieces together little by little.
On XX/XX/XXXX we were granted a HELOC on the property at XXXX XXXX XXXX, XXXX XXXX, CO XXXX. The amount of the HELOC was {$46000.00} thru XXXX XXXX XXXX.
This loan was being handled by HSBC as of XX/XX/XXXX. I paid on this loan, to HSBC, for 4 years and never saw a decrease in the principle amount. The statements I received never addressed the loan rate nor any monies being given credit for. That continued for the four years I paid on it, not knowing what the terms of this loan were. For how many months nor the interest rate, because it was never recorded with XXXX County Clerk and Recorders Office when the Deed of Trust was recorded. Not until I filed my complaint with you did I finally receive this important information.
The payments I made over 4 years never reflected any decrease in the principle amount. I took it as blind faith that this loan was made with honesty. But this was during the mortgage banking problems that were happening at the time.
Because of this lack of information, it gave me cause to doubt the legitimacy of this loan causing me to default. I had no idea of the terms of this loan until XX/XX/XXXX with your help.
HSBC charged off this loan on XX/XX/XXXX and then sold to XXXX/XXXX on XX/XX/XXXX. For 4 years I never received any correspondence from either cpany until I began receiving statements from XXXX showing a balance due on this loan as being {$46000.00}. Why was I not made aware of this for 4 years and why did it take 4 years before the collections started.
The balance due was reflected on all statements I received until XX/XX/XXXX when, again with your help, HSBC finally sent the information showing a balance due of {$49000.00}. Had I been aware that some of my payments had been credited to the priciple balance I would not have defaulted at all. The payment history furnished by HSBC shows I was making payments continuously, without cause for default, until I started questioning it's legitimacy.
|
| 01/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
On XX/XX/2019 I received an email alert that there was suspicious account activity on my HSBC checking account, which I opened about a month prior. I had never received my debit card nor any subsequent mail until I realized on that day ( XX/XX/XXXX ) after checking online that my account had multiple unauthorized withdrawals made for the past month without any notice given to me. I immediately called their HSBC Security Center that night when I checked my emails, which I was later directed to call their HSBC Fraud Investigations to open a case. This was the beginning of my ordeal.
I had submitted my form to have a refund of {$1500.00} from unauthorized withdrawals and {$22.00} from ATM fees, but that initial mail was not received through mail, so I had submit a scan of another form for those amounts. I had already submitted a police report online, and then later again in person after instructed by my HSBC investigator, XXXX XXXX. For the next several months no progress has been made and I had tried to contact my investigator multiple times ; every time someone else picks up the phone, promises me that XXXX will call back as they send an internal email to him, but for 3 consecutive months he has NEVER called back. I have had 26 calls with their office between XX/XX/XXXX to XX/XX/XXXX and I am left in the dark, having to put up with a range of disrespectful representatives, tons of distress, and now monthly maintenance fees, which now total to {$60.00} ( {$15.00} charged per month ). At one point a representative railed at me and decided to deny my claim on the spot, even though that person knew little about my case. I never made those withdrawals because I never even received my debit card!
The case still remains open, but I strongly believe that HSBC is trying to wait me out and want me to give up, or at least wait until my checking account reaches to {$0.00}. I am reaching out to the CFPB because there is injustice, waste, and total disregard for their HSBC customers within the fraud department of HSBC by making me suffer for the past half year.
|
| 10/04/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I tried to wire {$290.00} from my HSBC checking account to an account in XXXX on XX/XX/2019. HSBC charged {$30.00} international wire fee on that same date. On XX/XX/XXXX, there was {$250.00} ( {$40.00} short of what I had sent ) returned to my account with the following notes : XXXX XXXX XXXX XXXX /BNF/RETURN OF YOUR PAYMENT REF XXXX XXXX VALUE XXXX FOR XXXX XXXXUSD AS ALL PYMTS DESTINED TOB /XXXX SHOULD BE RTN OR CNCL //IF THEY ARE NOT IN XXXX I called HSBC and was told they can not transfer money to that account. I had used the HSBC online transfer so if the transfer had to be specified in Pesos, that is not something their interface allowed me to do.
When I asked for a refund of the fees ( $ XXXX {$40.00} ) I was told eventually by a supervisor named XXXX with ID XXXX that federal " Regulation E Subpart B does not allow HSBC to reverse fees on international wires. '' ( This is the culmination/summary of four calls and hours on hold. ) This was surprising to me so I asked the agent what this regulation is about. The agent did a XXXX search read portions of the regulation having to do with changing fees, and refunds. I looked through regulations myself and could not find anything relevant.
I did ask for a pointer to something concrete, and the agent would neither send me anything ( not even via the HSBC messaging service ) nor put me in contact with anyone who could point to the relevant part of the regulation. His mantra was : you are not getting your money back. stop wasting your time.
My complaint to them started with understanding why there were fees charged for services that they did not deliver and then a request for reversal of fees. However, at this point I am highly
concerned t hat HSBC business practices include having agents inappropriately use consumer protection regulations to intimidate customers. I would like HSBC to reverse the fees but more importantly I would like an explain how federal regulation prevents HSBC from reversing a charge that they are choosing to impose on customers. My complaint number with HSBC is XXXX.
|
| 01/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Since XX/XX/XXXX when I reported to HSBC that my account had been attacked by fraudulent activities, HSBC suspended and blocked my account, I could not access my HSBC saving, checking, credit and business accounts at all. But for next several months hacker ( maybe HSBC insiders ) did multiple illegal transactions from my account, also took cash advance from my HSBC credit card to my check then transfer out to unknown banks. HSBC did not recover from fraud, they simply did provisional and paid credit card plus interest. Then they took money from my account to return provisional.
I filed complaint through CFPB 3 times. The last one was XX/XX/XXXX, ( case number is XXXX-XXXX ). Every time HSBC told government official they solved the problem, then CFPB closed my case.
For more than half year, I have never received any direct contact from HSBC. I called and went to branches many times, they just do not help me at all. On XX/XX/XXXX HSBC XXXX branch manager hind from me for 5 hours, then called police to ask me leave, because they were closing. HSBC VP of customer relationship Ms. XXXX XXXX sent a letter to New York DFS. I received a copy from NY DFS, in the letter she even messed up my account number. She said, The remaining balance in your checking account ending in XXXX is {$1000.00} but in her attached the banking statements for DFS is ACCOUNT NUMBER XXXX. Obviously, she was lying to government officials, and NY DFS closed my case as you did.
So far I have not recovered all my loss.
In XX/XX/XXXX, I could not access my business account, I went HSBC XXXX XXXX branch. When the manager XXXX XXXX XXXX knew I had been abroad as XXXX XXXX he suggested me to open a premier account with credit account. He had all my personal information, then he left HSBC in XX/XX/XXXX without passing my document to new manager. So in XX/XX/XXXX, HSBC asked me to fill all the forms again. And assigned a new manager XXXX XXXX for me. Not long, XXXX left HSBC with all my personal information again. That premier account and credit account were the trouble accounts.
|
| 06/01/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
On XX/XX/2016, XXXX XXXX XXXX, XXXX, a Florida corporation, ( " XXXX '' ), towed away my wife 's car which was parked arguably properly with a note inside the car explaining that there was difficulty with payment at a parking machine. The vehicle had apparently been parked at HSBC Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. HSBC 's lot had a sign referring to " display paid receipt '' and close on the sidewalk there was a machine that printed receipts for parking and it was not completely clear to her that the sidewalk machine was inapplicable to the HSBC 's parking lot. HSBC did not have any person collecting payment from its booth nor a parking payment machine in its lot on that day. My wife lost {$2.00} dollars in the sidewalk machine and left a note inside her car. XXXX took the car to a lot and refused to release it unless a payment of {$280.00} was made, and if significantly delayed then the price would increase. {$280.00} was paid to XXXX and then the vehicle was released. The invoice number is No. XXXX. Although HSBC was authorized to ask a towing company to tow a vehicle, HSBC was prohibited from having a contract with a tow company since a contract is a bargained-for exchange, which means that the towing company gave something of value to HSBC for the right to tow vehicles from the HSBC property. See Florida Statute 715.07 ( 2 ) ( a ) 4, which states as follows : " The towing or removal of any vehicle or vessel from private property without the consent of the registered owner or other legally authorized person in control of that vehicle or vessel is subject to strict compliance with the following conditions and restrictions :..
4.A person may not pay or accept money or other valuable consideration for the privilege of towing or removing vehicles or vessels from a particular location. '' Furthermore, HSBC knew or should have known that XXXX would charge an abusive amount of money to release the vehicle, making HSBC liable for aiding in abusive behavior against the public. HSBC admits it had a contract with a towing company.
|
| 06/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Case Number # XXXX Me and wife open a joint account with HSBC bank on XX/XX/XXXX On XX/XX/XXXX i deposited XXXX checks thru my mobile app but prior to that i also deposited a previous check to which i not sure of the date.
On XX/XX/XXXX i received a call from HSBC Fraud department asking question about the checks and why the address on the checks was different then the address on file. After explaining to them i just moved and started a new job which explains the change in address i was told it would take up to five days to verify the checks. Much after the fives days has passed on the XXXX of XX/XX/XXXX my wife who is on the account went into the branch to inquire about account and make another deposited was told that the account was close and a check was sent in the mail with the balance that was in the account. The bank manager did not provide any information as to why the account was close. I thought that was strange so i called the HSBC Fraud department that same day and was told that the checks could not be verified by the company and they were bad checks ( fraud ). I contacted my employers and the told me that the checks were cashed and deposited by the bank. I called HSBC again on XX/XX/XXXX and was told that something different from the previous calls. I was told that the checks was deposited and because my account was being close and was in pending it would take up to 90 days to received a letter explaining why my account was being close and the remaining balance from the joint account. I was connected to manager during that same call and told we needed that money fro rent and 90 days with no explanation about the account was unacceptable. The manager Name was XXXX and she said to her a couple of days to reach out the back office and provided us with our case number XXXX. Two days later XXXX XXXX informed me that she did not receive any information from the back office and i would just have to wait. Can you please help me get a explanation and our money back we have bills and still recovering from Covid 19 financially. thank you
|
| 04/23/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XXXX XXXX XXXX XXXXXXXX ( XXXX ) is in violation of : Using any false, deceptive, or misleading representation or means in connection with the collection of any debt, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, including but not limited to : ( 1 ) falsely representing the character, amount, or legal status of a debt, or any services rendered or compensation which may be lawfully received by a debt collector for collection of a debt, in violation of Sections 807 ( 2 ) ( A ) and ( B ) of the FDCPA,15 U.S.C. I692e ( 2 ) ( A ) and ( B ). On XX/XX/XXXX, I received a Notice of Default - Right to Cure notice from XXXX in the amount of {$10000.00} for account # XXXX. On XX/XX/XXXX, I received a notice from XXXX stating that they would be force placing hazard insurance on my deceased parent 's home. Specifically they state, " Because hazard insurance is required on your property, we plan to buy insurance for your property. '' In addition, on XX/XX/XXXX they ordered ( order # XXXX ) and conducted a Broker Price Opinion ( BPO ) on my deceased parent 's home without conducting due diligence or authorization. I have repeatedly told XXXX the security interest they are allegedly servicing, and is legally described in the note and mortgage is not my deceased parent 's home. My deceased parent 's home, per tax records ( attached ) and Deed, is located at Rt. XXXX XXXX XXXX, XXXX, New York. The property 's legal description is codified in Deed XXXX XXXX, dated XXXX in the XXXX XXXX XXXX XXXX. XXXX is erroneously attempting to foreclose on this property. The property legally described in the note and mortgage is codified in Deed XXXX, dated XXXX and is associated with recorded mortgages : XXXX, XXXX and XXXX, all of which are recorded in the XXXX XXXX Land Records. See attached property map. XXXX refuses to acknowledge the truth and continues to pursue collection on the wrong property. They repeatedly state that they are servicing the account per the note and mortgage. They are not. I have provided proof that they are in fact incorrect.
|
| 01/23/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
This complaint is regarding my experience with HSBC Bank, XXXX. and their online banking platform at us.hsbc.com. On Friday XX/XX/2022 at approximately XXXX ET I accessed my online banking profile through HSBC 's website. Like many security-conscious individuals, I have enabled on my profile '2nd Factor Authentication ' - this service is supposed to provide additional protection to online banking customers by necessitating the entering of a one-time security code sent to my email address ( in addition to the standard username and password combination ) each time I access my online banking profile. However, on this night I observed that when I requested the one-time security code, the online banking platform instead displayed an immediate 'your session has timed-out ' notification, refreshing this page then immediately logged me into my banking profile without needing to enter any credentials! I recorded video of this phenomenon and confirmed that the same sequence of events would repeat even after closing my browser and clearing my history. In effect, the online banking platform was bereft of this security protection for an unknown amount of time. I have attempted to communicate this experience to HSBC but the wait times on their phone number have been inconveniently long and I have been discouraged from trying to speak directly with an HSBC representative. I have not experienced any noted fraudulent activity on my account as a result of this lapse in security, rather I am raising this concern for the well-being of other clients. I receive emails and text messages from HSBC, and HSBC has not provided any client-notification indicating that their online banking platform 's security had lapsed for any amount of time. I am concerned that HSBC has an unpatched security vulnerability that needs to be addressed and I am further concerned for any clients that might have been victimized that are unaware that their banking information was unprotected by the services for which they signed up and have a reasonable expectation to be enforced.
|
| 04/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I recently incurred a loss on my home. The loss was repaired and my insurance company sent me a check for about {$5600.00}. The check was made out to me, my wife, HSBC ( 1st lien holder ) and XXXX XXXX XXXX XXXX ( " XXXX '' ) second lien holder.
As HSBC is the first lien holder, they informed me that I and my wife had to endorse the check, which we did, and then XXXX needed to endorse the check. I followed XXXX 's process for getting an endorsement in which they use a stamp and do not imprint a " wet '' signature. I then sent the check to HSBC per their process instructions.
HSBC called me today to tell me they have mailed my check back to me ( regular mail with no tracking ) instructing me, the customer, that I have to go back to XXXX to get a wet signature. As part of what was the worst call I have ever engaged in, HSBC refused to tell me what signatures they would accept. I understand they can not dictate names, but all I asked is that THEY contact DCU to find out who was authorized and what officer title they hold. I wanted to be as sure as I can that I am not in an infinite loop going back and forth trying to conform to potentially incompatible processes.
In the end, HSBC disconnected my call via sending me to an unnamed voicemail account that belonged to a XXXX ( work initials XXXX ). The call supervisor I spoke with, XXXX ( work initials XXXX ) was completely unprofessional, lied to me multiple times, and was throwing as many road blocks in front of me as possible to make this as hard as possible. Meanwhile, I am out {$2800.00} from paying the contractor who fixed the loss 50 % up front. And the contractor is out {$2800.00} because HSBC is making this process as difficult as possible.
I find it ironic that they are doing this when HSBC made it so easy for people from XXXX and XXXX XXXX XXXX to launder money through their bank ( for which they were fined ) but XXXX didn't know anything about this.
I ask that HSBC please be held accountable for this atrocious behavior, policy/process and overall customer service.
|
| 11/28/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Once again, allow me to enlighten HSBC in regards to their lies and misrepresentation as noted in their CFPB response XXXX, HSBC states, " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). '' In all fairness, this is correct. However, the following statement is clearly an avoidance to truthfully state the facts. HSBC further states, " It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. '' This response is nothing short of preposterous. HSBC knows full well that XXXX XXXX XXXX XXXX is described in the deed dated XX/XX/XXXX. This is evidenced by HSBC ( formally Beneficial ) underwriting three previous mortgages, all of which contain the deed description of the XX/XX/XXXX deed and match the property of XXXX XXXX XXXX XXXX. They are as follows : XX/XX/XXXX XXXX XXXX, page 944, XX/XX/XXXX XXXX XXXX, page 238 and XX/XX/XXXX XXXX XXXX, page 347. All of which have been properly discharged. HSBC continues to be deceptive in not clearly admitting that the security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX, which they sold to XXXX is not the property of XXXX XXXX XXXX XXXX. As a result, XXXX and associates are trying to wrongfully foreclose on a property they have no security interest in. I would like written confirmation from HSBC stating that what I have outlined above is the truth. I encourage them to fact check my investigation of this matter. Their fraudulent deception of trying to protect XXXX and it's associates in their attempt to fraudulently foreclose is ridiculously unacceptable and unbecoming of any business that deals with the public.
|
| 04/13/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
After receiving on XX/XX/XXXX mail solicitation from HSBC Bank promoting their Checking account service with {$350.00} promotional bonus for opening new checking account I 've decided to participate in it and see how the new HSBC service would benefit me.
I 've opened account online by filling online application at XX/XX/XXXX. Somehow, it took HSBC around a month to really open my account, so I have finally received confirmation email of my account open on XX/XX/XXXX.
{$350.00} promotional Bonus requirements : " include paying at least TWO Bill Pays per month for THREE consecutive months within 120 calendar days of account opening ''.
Following promotional Bonus requirements after account was opened I 've immediately scheduled 3 consecutive monthly payments on HSBC.COM site to 2 of mine regular bill payment recipients ( overall 3*2=6 payments ).
Such payments were properly made for 3 consecutive months starting XX/XX/XXXX and finishing on XX/XX/XXXX. However, to my surprise, instead of receiving promised Bonus I was hit by XXXX Service Fee charges ( {$15.00} each ) And after that discovered through HSBC XXXX XXXX XXXX that somehow : " Upon review of your account we notice only one Bill Payment in XX/XX/XXXX, two Bill Payments in XX/XX/XXXX, two Bill Payments in XX/XX/XXXX, and only one Bill Payment in XX/XX/XXXX '' Therefore, HSBC refused to owner there promotional obligations only due to the fact that they count months as either calendar months and/or statement period months, but not as timespan months ( contrary to their paper written promotion that does n't mention " calendar '' or " statement '' months ).
I 've spent a lot of time/efforts trying to resolve this issue directly with HSBC Customer Experience Team, but with no success. I feel, I was treated unfairly and even feel sick. I feel, HSBC is using unfair, confusive and deceptive promotional and business practices.
I want HSBC to officially acknowledge there " mistake '', my {$350.00} promotional bonus be paid, as I properly fulfilled all promotional obligations.
|
| 12/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
I have been an HSBC Premier customer with both banking and credit products for approximately 4 months. From the beginning, HSBC has had on file both my residence address and a separate mailing address. The mailing address is also considered my credit card billing address.
My mailing address as given to HSBC for all of my deposit and credit accounts is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX In my deposit accounts at HSBC, they have my mailing address correct and there are no problems. However, in my two credit accounts, HSBC negligently and carelessly lists my mailing address as : XXXX XXXX XXXX For some reason, their staff is not only incompetent, but also illiterate whereas they remove all vowels.
I have corrected this address online at least six different times. After each correction, two days later they revert the correct address back to the illiterate version. I have phoned HSBC and spoke with their dedicated address change team and explained this issue and they corrected the issue on at least 5 different occasions. Again, two days later the illiterate version of my address reappears.
This is causing me serious problems. HSBC has caused the incorrect and undecipherable version of my address to pollute all four of the major credit bureau files in addition to XXXX. In addition, this intentional and negligent pollution of of my credit bureau files has caused me to be denied two times for credit. Creditors decline my applications because, they state, " Unable to verify my identity ''. When I call these creditors to ask for an explanation, they state that the address I give on my application does not match the address on my credit bureau files.
In addition, HSBC 's willful, negligent and incompetent conduct has caused me to have online purchases denied when the seller uses the Address Verification Service provided by the major card association.
I have provided two attachments. One shows how I correct the HSBC address error. The second shows how the error reoccurs within two days of a successful correction.
|
| 09/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Started receiving several calls a day from several different telephones numbers leaving a call back number. In just a two day period I received a call from XXXX on XX/XX/XXXX at XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called the number back at XXXX XXXX and spoke with XXXX XXXX, ( spelling? ) who is with XXXX XXXX XXXX XXXX XXXX. He said he represents HSBC. I said I was trying to return a call to XXXX XXXX XXXX who had left several disturbing messages about taking legal action against me. He said that they worked or contracted for him. XXXX said that he represented HSBC and that I had a credit card with HSBC and was trying to collect a balance due. I told him that I did not recall having a credit card with HSBC and would like to have a number or address with HSBC so I could get something in writing from HSBC. He said HSBC no longer had any information because they closed my account in XX/XX/XXXX and the last payment I made was in XX/XX/XXXX. I also received a phone call from XXXX in regards to HSBC that stated I had 2 accounts with HSBC and that it was now a " felony '' because the balance was over a {$1000.00} but they could drop one of the balances and could change the other to {$300.00}. They sent an email but I only had an hour to make a decision once it was received and opened to respond. I kept telling them I wanted a letter. XXXX said they didnt send letters because they could be altered. The managers name there is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX.
I received a letter from XXXX XXXX XXXX XXXX XX/XX/XXXX stating current balance {$710.00} with a approved offer of amount dut {$520.00} with a due date of XX/XX/XXXX but I didn't receive the letter until XX/XX/XXXX. I have not made any further contact with either. I do believe there should be statute of limitations and I feel should be able to get a copy of the original contract with HSBC. But as stated above XXXX told me there was no longer any paper work since HSBC has closed the account.
|
| 07/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I would like to file a complaint against HSBC and XXXX XXXX for discrimination and gross incompetence. I have suffered from a financial hardship from the Great Recession and my spouse 's passing. We have been trying for a mortgage modification since XX/XX/2009 and have received unfair treatment, have been given misleading, conflicting and confusing information. This has been a prolonged loss mitigation review process in which the same documentation was repeatedly requested by the servicer. I have been told by our case manager XXXX XXXX that the loan has been transferred several times, when asked for details he could not/would not elaborate.
We have been denied a loan modification XXXX times, each time for a different reason ( please see notes in my file ), the last denial being that XXXX XXXX does n't participate in any kind of loan modification program. Since 2009 we have applied for a loan modification, I was given the application that clearly stated loan modification, my case manager had said all along that we were applying for a loan modification, and now I am being told that XXXX does n't participate. ( Please review all of my case notes and any recorded conversations that you have ) and you will see the misleading information that I was given.
I have XXXX young children, I want to stay in my house, I have no place else to go, my case manager had said several times that I would qualify for a 2 % mortgage with a XXXX year amortization schedule and a principal reduction to help reduce my financial stress.
After XXXX of my denials I was told by my case manager that I was denied because I am a single mother with XXXX children and no job, I am offended by these comments and feel that I am being discriminated against because of my gender.
Please give this your immediate attention and contact my brother-in-law that is helping me with my financial affairs ( XXXX XXXX, XXXX ). You have my permission to speak to him on my behalf, I have previously written a letter to the servicer on this ( you will see letter in my file.
|
| 08/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I just want to make it clear I did everything in my power to work things out with these creditors all of them when I got sick they saw when my health went down credit started going down I began crying when they called telling them listen I don't have a dime and a XXXX XXXX XXXX daughter if you can let me get my XXXX I will pay every one of you but they went forward and I have judgements against me that I didn't even get paperwork to go to court on. I purchased my XXXX XXXX XXXX XXXX and was financed I made every payment on time or before time until I became unable to work due to a sudden disabling illness. I worked at the XXXX XXXX XXXX I made good money and when everything ran out while I was waiting on XXXX my mother helped me make those payments that's why some of the payments got behind we were doing everything we could to stay current I was hit with another representative in the collection department and instead of him taking the payment he said I had to do a voluntary repossession and I owed less than XXXX dollars and I told him my case was going to court for my XXXX in XXXX it said please work with me I can just pay it and whatever left do for late payments I would pay off when I received my XXXX. He said the best thing you can do XXXX XXXX is relinquish that bike and it sold for more than what I paid for it yet they're coming back on me for money on the repossession company that came to pick it up because there was no way I was in any shape to try to get that motorcycle up there I had no choice but take a XXXX retirement because I have XXXX 's XXXX and if you look through my credit everything was paid on time and never late until I was taking out of work in XXXX I have explained to these people every time they call and they continue to call and send letters threatening me I get XXXX a month I barely get groceries I don't qualify for food stamps I don't qualify for XXXX I have to use my XXXX and I have to pay 25 % of co-pays or either it's 25 % of whatever the total cost is for that day and I can't even pay that
|
| 12/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Dear Sir/Madam : I had/have Previously Submitted a Complaint/Request for Assistance, and the Consumer Complaint Number # XXXX, against XXXX XXXX XXXX XXXX XXXX, Loan Number # XXXX. On today, I received a letter dated XXXX XXXX, 2017, from Beneficial.
That letter at Paragraph 3, references a Lien for XXXX XXXX XXXX, that Lien was disposed/avoided of in the Federal Bankruptcy proceedings, after the XXXX XXXX XXXX did not challenge it by the Federal Bankruptcy Judge. Beneficial was provided a copy of that Court Order by my Bankruptcy Attorney ( XXXX XXXX XXXX ), that handled my case, after Beneficial refused to acknowledge the copy of the bankruptcy proceedings that I sent them. If Beneficial has provided you with a copy of the XXXX XXXX, 2017, letter that I just received from them, please note that they have omitted that document? I have provided as an attachment a Copy of that Court Order from Judge XXXX for you to review. How is it that Beneficial forgot to provide that document to you, this in itself is the whole basis for the Complaint against them. Beneficial has willfully and knowlingly not submitted documents that prove that I am right. Additionally, XXXX XXXX has never submitted any documents, be it letter or Confirmation from XXXX XXXX XXXX that Lien is still Valid. I also contacted the XXXX XXXX of XXXX XXXX, which handled the bankruptcy proceeding on XXXX XXXX XXXX 's behalf. In view of this information and the statements made by XXXX XXXX XXXX XXXX, in that letter dated XXXX XXXX, 2017, they must provide proof of whom and when they spoke with at XXXX XXXX XXXX, time, date and Phone Number, so that Debt Lien can be acknowledged.
XXXX XXXX XXXX XXXX, must not be allowed to Pawn this off on " XXXX XXXX XXXX, XXXX, as they had nothing to do with the information being provided by XXXX XXXX XXXX. As you now have the Court Order that Beneficial did not provide you with, and no way of knowing who from Beneficial spoke with whom at XXXX XXXX XXXX XXXX and when, that needs to be resolved in writing by XXXX.
|
| 03/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX I logged into my HSBC USA account to make a credit card bill payment. I have XXXX cards with the bank, one I use regularly the other I use minimally. Upon logging in I noticed the balance on the card I use minimally had a balance of {$2700.00} cleared charges and multiple pending charges. The cleared charges were clearly made at businesses outside of the United States and were made during an 11 day duration. They also surpassed the credit lime on the card by {$20.00} or so. HSBC Bank claims to have an automatic fraud alert system that notifies customers via text or email when suspicious charges are made yet I received absolutely nothing. I reported the issue to the bank immediately. I was told the balance on the card would be reported to the credit bureaus as fraud and that my score would not be affected as I am actively looking to purchase my first home and my rates and purchase price are primarily based on my credit score being excellent. HSBC reported the balance to the bureaus but failed to identify them as fraudulent. Having a such a high balance in addition to it being over my credit limit caused my XXXX score to drop by XXXX points and my XXXX to drop by XXXX points. My XXXX score has not been updated as of XX/XX/XXXX but is sure to. I immediately called HSBC to inquire about the fact they didn't specify the charges being fraudulent on the reports and they had no reasoning nor could they explain why I was not notified via text, email, or phone call about suspicious activity on my account. Due to all of this I am unable to purchase a home until everything is resolved which, according to HSBC and my lender, could take up to 60 days. This leaves me in a position of losing opportunities to buy a home within my price range because of prices rising but also forces me to lose the opportunity to take advantage of low interest rates due to them skyrocketing. This will, in the end, cause me to spend hundreds of thousands of dollars over the years. It has left me emotionally and mentally distressed.
|
| 01/09/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I processed a wire using HSBC online banking, on XXXX XXXX, 2016, in the amount of XXXX. The beneficiary of this wire was XXXX XXXX. The payment was for a flight to XXXX that was taking place on XXXX XXXX. The funds were deducted from my account, but on XXXX XXXX, XXXX informed me that they had not yet received the wire transfer. I called HSBC immediately and learned that the wire was being held due to them needing more information. I was told that I would need to reach out to my account manager, XXXX XXXX, who is based at the XXXX XXXX XXXX XXXX branch. Since this payment was urgent and I was unable to reach XXXX XXXX, I had the wire processed from another account at a different bank. This payment went through immediately. When was finally able to reach XXXX XXXX, I requested that he have the funds returned to me, as I had already made the payment from another bank. He told me that he would let the wire department know not to process the wire and to refund my account. He informed me that it could take up 3 days to receive the funds.
After 3 days, my account had still not been credited. I reached out to XXXX XXXX, who in turn sent me an email with the branch manager, XXXX XXXX, asking me several personal questions about a flight that had already taken place. I did not understand why they would need to ask questions about a wire that I was no longer sending. I explained that I only want my money back, but after several emails back and forth, with XXXX purposely avoiding my questions, I answered the questions presented, since XXXX insisted that this would be the only way for me to get my money back. That was on XXXX XXXX. It is now XXXX XXXX, and my account has still not been credited.
XXXX emailed me today, stating that my funds will be " blocked and reported to XXXX. '' How is it that a bank can do this? I do not want the wire to be processed, I have already taken the flight and returned. I only want my funds put back into my account. This is theft and a bank should not be able to get away with this.
|
| 03/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX, XXXX Hours of Operation ( EST ) : XXXX to XXXX Mon-Fri., XXXX to XXXX Sat., XXXX to XXXX Sun. Company Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX Disputes : Call XXXX or write to : XXXX XXXX XXXX, XXXX, Disputes Department, XXXX XXXX XXXX, XXXX, VA XXXX Disputes E-Mail address : XXXX This company continues to harass, has contacted employers like XXXX XXXX XXXX in XXXX XXXX, VT costing me a job. While serving in the Vermont XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company held up my security clearance due to Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX. Merchant : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX. Creditor to whom Debt is Owed : XXXX XXXX XXXX, XXXX Current Balance Due : {$900.00} by paying XXXX or XXXX pay by mail - checks n payment to : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, VA XXXX Offering Single Payment *pay {$310.00} and save {$580.00} if payment received by XX/XX/2018, this harassment has cost me several {$25000.00} to {$170000.00} XXXX XXXX, XXXX XXXX, XXXX XXXX, it caused the lost of a relationship and XXXX children. I want the harassment to stop, reported this company to the Vermont Attorney Generals Offices throughout Vermont, was serving in the US Military when then pulled an illegal court date while I was out XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This is a case of identity theft, they keep doing this around certain dates of birthdays with men with our names, many with my name have been contacted and told about this debt, this debt goes from {$1600.00} to {$900.00} to the offer of 1 time payment {$310.00} to pay it all off. I have paid more than that amount, have lost well over the amount this company, these scam artist attorneys or they claim that while sending out threats to employers, friend, men with similar names and I want this stopped immediately please. This debt is insecure credit card debt and in no way after what I have tried to clear this debt and have lost will it ever get paid.
|
| 06/19/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
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|
On XX/XX/XXXX I received a " FULL SATISFACTION & RELEASE OF JUDGEMENT '' from the circuit court of the county I lived in, at the time for an account I settled with them for an HSBC credit card. A month later, XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX stating I had a balance to settle with HSBC and they threatened taking me to court and garnishing my wages. I panicked and settled the account with their office. I had XXXX different credit cards from HSBC and figured it was for the other XXXX.
A few months after that, and just a couple months ago another agency contacted me trying to collect on this same account. I had the release of liability from XXXX XXXX XXXX that I was able to fax to them so that they would cease and disist on further collecting on this account.
Now, an office is trying to collect on an account with HSBC that I never had and does n't even appear in my credit report.
That lead me to dig up all my papers and look into whats going on.
This is how I just noticed that the account I settled with the circuit court and the account with XXXX XXXX XXXX was for the same account! I called the law office from the first time it was collected through the circuit court, and the lawyer told me that I should contact XXXX XXXX XXXX and demand my money back and that if they would n't comply I would need to get a lawyer.
How is it that anybody can get this information and con people into paying it again? Like I said- few months ago another agency tried collecting on this account yet again from another supposed collection agency. This has been taken care of twice, to my dismay, and twice more someone has tried to collect on it again.
I had a lot going on at the time, when I paid the account off for the second time, so it did n't even click in my head to check if it was the same account or the other XXXX I had with HSBC. And with the threats, it made me panic and just want to get it over with. I 'm hoping to recover what I paid the second time around, because it had already been paid.
|
| 01/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I previously submitted complaint XXXX regarding this issue but it was closed without my being allowed to dispute HSBC 's response.
I submitted an application for an HSBC Advance account on XX/XX/XXXX. This was after I saw the terms and conditions of a bonus offer that stated I would receive a {$350.00} bonus if I deposited {$10000.00} into the account and maintained that balance for 90 days. The fine print stated I would not qualify if I had an account between XX/XX/XXXX and XX/XX/XXXX ( attachment # 1 ). I confirmed that day ( XX/XX/XXXX ) in an HSBC chat that my previous account had been closed on XX/XX/XXXX ( attachment # 2 ).
Th account was then opened on XX/XX/XXXX and I maintained the {$10000.00} balance for well over the 3 months. I contacted HSBC via phone, chat, email several times and did not receive an actual substantive response until I filed my first complaint.
That response indicated the terms I explained above were not posted until XX/XX/XXXX, a day after I applied. Per the representative, the terms in effect at the time of my application disqualified anyone having an account between XX/XX/XXXX and XX/XX/XXXX, which would disqualify me.
However, I dispute this. While the PDF of the offer I saved was not date-stamped, I found a date-stamped {$750.00} HSBC offer from XX/XX/XXXX citing the XX/XX/XXXX through XX/XX/XXXX disqualification time period ( attachment # 3 ). I also would not have applied had the offer I applied for stated XX/XX/XXXX through XX/XX/XXXX. The fact that I still applied after confirming my previous account had been closed on XX/XX/XXXX is evidence of this.
Regardless of HSBC 's claims, the terms at the time of my application did not cite the XX/XX/XXXX through XX/XX/XXXX disqualification period. It seems very possible that the terms were posted a few days earlier than intended but that is HSBC 's error, not mine. I followed all the instructions and met all the requirements at the time that I applied ( evidence attached ) and should be credited the {$350.00}.
|
| 03/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
I wanted to make a payment on my due date of XX/XX/XXXX with my boyfriends checking account and had him with me to verify himself via phone. Many other big credit card companies like XXXX, XXXX XXXX, and XXXX do this. HSBC would not. I spoke with A XXXX XXXX at this time who is a Manager at HSBC explaining I had an issue with my bank and that's why my normal bill pay I could not use. She explained to me as soon as they received the payment she would waive the reversal fee for the inconvenience. On XX/XX/XXXX HSBC called my cell phone that I did not consent for them to call 6 times from XXXX XXXX.- XXXX XXXX. on the XXXX they had called 2 times. I spoke with a Supervisor XXXX at XXXX XXXX on XX/XX/XXXX whom I then told I had sent the payment of {$25.00} thru my banking and they would receive it on or before the XXXX. I told her of XXXX the manager I spoke with and XXXX being a Supervisor had no idea who that was ( she claimed XXXX. XXXX went on to say that XXXX was wrong HSBC would take a {$52.00} payment from me today and I could have my boyfriend verified. I also told her that what they did was harassment and that they were not to call my cell phone. Supervisor XXXX explained to me that I was incorrect it is not in fact harassment and that if I do not comply with allowing HSBC to contact me thru my cell phone that they would in fact have no way to send me any information if I ever have fraudulent activity take place. I rebutted HSBC can contact me via email/mail and she further instructed me they do not do so. She also corrected me that HSBC did not violate my rights abusing the TCPA. I know PACER lists over XXXX lawsuits filed against HSBC in the United States. I would like to know if based on the information I have provided that HSBC violated the TCPA rules and regulations. I have my cell phone records as proof of the phone calls HSBC made relentlessly, to prove my claim. Both conversations I had with XXXX XXXX and Supervisor XXXX were also recorded and monitored for quality assurance purposes.
|
| 03/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
On XX/XX/XXXX, I got a call from a man who, after confirming my name and address, said a " case '' had been filed against and that I was going to " be 'served ' with legal papers '' the following day. He gave a case number ( XXXX ) and number to call. XXXX called the number, and my identity was linked to my phone number, and was told I had a legal matter and would be served with papers concerning a debt. They pressed the matter and after I informed them I had no debts, was told they wouldn't hold a trial over the phone. I asked if they were debt collectors and they said they were a " mediation '' firm, and I called them debt collectors. I told them they sounded like a scam and were violating the FDCPA and they refused address, identity, corporate filing information and hung up. I called back demanding to know WHO they were, they kept hanging up. They had identified as XXXX XXXX and XXXX. I called back after waiting a few days and a woman told me they were in XXXX, Florida at XXXX XXXX XXXX, no XXXX XXXX. Upon checking with they property owner, the multiple suite complex had no such Tennant. Secretary of State Florida had no such business registered either. They provided an email of XXXX. checking email is valid but info on, biz site for ownership shows listed domain, but ownership details redacted for privacy. A subpoena or agency could get who they are released. I was also told this was an HSBC debt of over a thousand dollars from XXXX and they would settle the debt for 50 %.
XXXX XXXX was trying to collect on a fraud listed fifteen year old debt, pretended it was a filed case, and denied trying to collect upon a debt I did not owe.
Further research uncovers the same scam listed elsewhere by the same people.
They refuse to discuss the matter, disclose who they are or where they are, or any corporate address or filings with any regulatory agencies.
I can be reached at XXXX, and can provide enough proof of this to fine or charge them with a crime. The number for " XXXX XXXX '' is ( XXXX ) XXXX.
|
| 06/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
After reviewing the documents provided by HSBC Bank I noticed that my mortgage is overstated by at least {$6100.00}.
The documents provided by HSBC Bank state that HSBC Bank provided me with {$120000.00} at closing ( see attachment B, E & F ). That is new loan of {$110000.00} and XXXX XXXX XXXX Grant of {$7500.00}. However, after adding the closing costs to the XXXX checks from HSBC Bank it reveals that HSBC Bank only could have provided a maximum of {$120000.00} ( {$120000.00} - {$6100.00} ) ( see attachment A, B & C ), the calculation is below.
On attachment B-2 there is a {$300.00} charge which should have been paid to XXXX for review of recognition agreement ; I contacted XXXX XXXX XXXX did not receive this {$300.00}. Also, on B-2 there is a {$1000.00} charge for settlement charge. In a letter dated XXXX XXXX, 2016 from HSBC Bank ( See attachment A-2 ) it is stated that the {$1000.00} was made payable to my closing attorney. However, my attorney said that this was a bank charge and it had nothing to do with him.
Attachment D-1 is the lien filed in XXXX County for the XXXX Grant of {$7500.00}. HSBC Bank did not file any lien for the mortgage of {$110000.00}.
I need HSBC Bank provide me with a check for the overstated amount ; that is {$6100.00} plus interest adjustments.
Principal Amount New Loan XXXX XXXX Grant XXXX Total XXXX XXXX HSBC Check # XXXX XXXX HSBC Check # XXXX XXXX XXXX ( XXXX ) Closing Cost : Origination Charges XXXX Appraisal Fee XXXX Credit Report XXXX Daily Interest charge XXXX Settlement/Closing Fee XXXX XXXX Search XXXX Government Recording Charges XXXX Flood Certification XXXX Tax Service Fee XXXX Review Recognition XXXX Construction Fee XXXX Maint to XXXX XXXX XXXX XXXX XXXX ( XXXX ) Total XXXX Add Back : Settlement/Closing Fee XXXX My attorney said he had nothing to do with this Review Recognition XXXX XXXX said did not receive this Construction Fee XXXX Paid by XXXX Grant Check Received XXXX Maint to XXXX XXXX XXXX - Pro-rated XXXX XXXX Total Overstatement XXXX
|
| 03/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have a current mortgage thru Beneficial Financial/HSBC. I have been trying to refinance it thru a local bank to get a lower APR. I have been going thru this process since XX/XX/2017. My local bank has been trying to get information from Beneficial about my mortgage and not getting anywhere. They asked me to contact them, hoping that me, the customer, would have a better chance.
So on XX/XX/2017 I contacted Beneficial Financial/HSBC due to the current bank I am trying to refinance with being unable to get Beneficial to respond. Upon talking to a Beneficial customer service representative over the phone, I learned that they had received the request from my bank for the Mortgage Verification, but they would not process it for 30 days. While having them on the phone, I requested a copy of it be sent to my home address as well. The rep. let me know they would do that.
Today, XX/XX/2017, my bank informed me that they contacted Beneficial to find out why they have not received the Mortgage verification. They were told it was rejected due to it being electronic submission and that they would have to mail a copy to them to be processed. It would take an additional XXXX. At this rate of response, it will be the middle to end of XX/XX/XXXX before I am able to have my refinance completed.
My complaint is simple, how are consumers able to deal with this if they are in a financial situation and a financial institution is not responding, or responding slowly. In todays age of electronic means, this should be a simple request. This is putting unjust restraint on information that most financial institutions require from each other and could be causing further hardships on consumers. In my case, I am trying to refinance to lower my payments to avoid financial difficulty. I have also read over XXXX reviews from the Consumer Affairs website stating similar experiences and even Beneficial not signing off on the lein after payoff. This has me worried that I am heading down the same path as so many others have.
|
| 12/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I was contacted by letter from a XXXX XXXX XXXX by the name of ( Offices of XXXX and XXXX ) This indicates the office is located in XXXX, CA. XXXX and has a phone # of XXXX.
The letter was not certified, and came through normal mail. The letter starts by saying ( NOTICE OF INTENTION TO FILE AN I.R.S. XXXX FORM.
It's obvious the letter is a strong arm tactic to get me to pay them {$410.00} on a debt that was charged off on XX/XX/2007. It states the original creditor is XXXX XXXX. They provide no real documentation that this account existed or that it was charged off. They state the original charge off balance was {$780.00} and with interest the amount is {$850.00} Then states the total amount owed is {$1600.00}.
They provide an account number that I can't verify it existed. The later states. XXXX and XXXX are willing to offer you two lower settlement options then what's owed to the IRS. This is a one-time offer and our last attempt to settle this account before submitting a XXXX to the I.R.S.
I do know that I settle with a collection company once and will get copies of that from the lawyer I used. I also know that I was contacted by several credit company 's who purchased the debt and tried to collect after settling with that particular company.
I don't understand how they can simply send out a letter with numbers attached and that is supposed to be satisfactory validation that you owe them money. I don't like that fact this is a strong arm tactic. No different then I am going to tell the police you punched me and unless you give me money I am going to call them. If I owe taxes on a debt that wasn't paid back, shouldn't I have received the XXXX form the year is discharged. which according to them is XX/XX/2007. Why wait almost 11 years.
In one of the boxes it says they have a federal identification # of XXXX. I think this is unfair collection attempt. If I owe the government taxes, then I should have to pay the taxes once I get legal notice from the I.R.S. not a collection company.
|
| 12/27/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
At the end of XXXX XXXX XXXX XXXX began harassing me at my place of work stating they were going to send a process server to my work, giving me the option to stop it, they threatened my co-workers that they must get in touch with me as it was an important legal matter several times. I filed a complaint against them in XXXX of XXXX as they got progressively worse. When I would call them, they wanted information I was not willing to give out over the phone ( DOB, SS # ... ). I did find out it was in regards to an old HSBC account that had been charged off well over 9 years ago. I called HSBC to confirm. The woman I spoke with there urged me to reach out to the Attorney General, who then in turn asked me to file with CFPB, based on their actions. The original complaint I filed was # XXXX and not able to be followed up on. Today,XX/XX/XXXX, XXXX from XXXX XXXX XXXX , contacted my work, asking for the nurse manager by name. He asked information about me, and she was told that they want to serve papers to me and asked if I worked here and asked to confirm the address here. She declined and asked for a call back # and said she did not believe that it was a legitimate call. He assured it it was and said if I want to stop this action I better call and gave a case # to her to give to me. When I called him back he was rude, said I knew exactly what this call was about and when I told him I did not know, he said I was lying. He got loud accused me of not paying my bills and expect to be sued. I asked him what for and he told me the same HSBC account and then said expect to be sued, when I tried to explain the information I had, he got louder told me the company has only been there for 6 months, it was his cousin 's law firm and told me not to call his law firm again and hung up on me. I am concerned as this company is out of California and my SS # & identity were stolen filing taxes with the IRS in California about 4 years ago. Please assist. Not sure where else to go with this. I just want this to stop.
|
| 03/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
I was convinced by scammers that my computer needed repair-they flashed an alert with a phone number to call across my screen while I was using the computer. I called thinking I was speaking to XXXX-it was XXXX. " XXXX '' took control of my computer and got assess to my online banking information. They asked me for my cell phone number as well.
I reported the incident to HSBC by phone the day after this happened. In subsequent communication by phone or text to HSBC, I have repeated told them what charges I actually made and for which I will/have paid for. I have changed credit card accounts twice since the original bill : erroneous charges was made to card ending XXXX and the XXXX balance eventually transferred to card ending in XXXX.
On my monthly statement, I saw charges from XXXX, XXXX, XXXX, XXXX on my credit card. None of these companies I have any prior dealings with. The amounts charged XXXX is also no where near my usual spending pattern. HSBC bank USA has denied my claim to this date, that I was scammed and has insisted that I pay XXXX. To date, I have not received any merchandise to keep or return for reimbursement. I filed a police report as I was asked to do-complaint # XXXX.
HSBC has been giving me the run around every time I speak to them and when I ask to speak to a supervisor, they are evasive and will not transfer me to a supervisor.
I have been speaking to multiple people ( I have been writing down dates and names for months ), no one central. I went to my branch to speak to the person on my denial letter-no phone # to contact him per bank personnel. Difficult to find and communicate with person/persons who made the decision to deny my claim. Difficult to discern how or why they made their decision. Have not been able to get anyone to understand what happened-cyber identity theft- since I made the initial complaint. Difficult to understand the customer service reps due to the heavy accents and being transferred from here to there multiple times with long hold times.
|
| 09/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company continues to report incorrect data. I continue to fight with them on removing this debt. I located a screen print of data that shows the re-aged the first delinquency of this debt. HSBC has not been in business since XX/XX/XXXX. I called XXXX XXXX, who I have current debt with, state they no longer show this debt as it has been closed for 7 years. This company is attempting to pass this on as new debt. It is not, which is a violation of the FCRA. In additional Texas Finance code ( Texas Finance Code Section 392.202 ) states it goes by the date of first delinquency.
The company has yet to provide me a copy of the surety bond, which is required to collect in the state of Texas per the Finance code. Texas Surety bond information as required by Sec. 392.101. This company continues to just close my complaints with some bogus generic response.
I pray you force this company to provide a copy of the surety bond and the initial records of my last payment to HSBC, which will prove they re-aged this loan and violated the FCRA reporting requirements. I want all my billing statements from HSBC to reflect this is not new debt and this company violated my rights under FCRA. I expect to receive these statements from date of origination to date to XX/XX/XXXX. I also want a copy of the welcome letter and the purchasing agreement and records reflecting the last payment of this debt and the amount this company paid for the debt. I demand all of this within 15 days of submitting this request.
I will continue to open a complaint until I get the information I am requesting and this is removed from my credit report. This company has yet to provide the requested documents. They are ignoring my requests completely.
This debt was not opened in XX/XX/XXXX or XX/XX/XXXX. And XXXX XXXX who took over HSBC verified this information. I give the CFPB permission to call XXXX XXXX to verify this information and verify this company is reporting wrong information and refuses to remove it off my credit report.
|
| 09/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am currently on a forbearance plan with HSBC till XX/XX/XXXX. On XX/XX/XXXX I applied to have my current forbearance balance moved to the end of my mortgage, and resume my monthly payment. I was told I don't have to pay anything till XX/XX/XXXX and I will stay in the current forbearance plan till XX/XX/XXXX.
I received another wrong monthly statement on XX/XX/XXXX and called HSBC to confirm there is no payment due for XX/XX/XXXX but instead was told that my application for deferral payment was already approved, forbearance plan is ended right away and my monthly payment will resume on XX/XX/XXXX. I called multiple times and requested to speak with a supervisor but every person is giving me different information. According to the supervisor - XXXX, XXXX who I spoke to, my application is approved but the paper work is pending approval, at the same time I was required to make payments, without any written statement or notice. He continued to threat me that I have no choice but to believe him and all the conflicting information i received from talking to their representatives in the past week.
There are three things I believe they did wrong 1. Ask me to make payment while document is pending approval, and no written statement or notice was given to me. Should i not call them voluntarily, they will start charging late fee and the collection process secretly.
2. Each person is giving me different and conflicting information, even the same person had given me different answers after digging into the documents. There seem to be a mess in their handling of forbearance application. The forbearance documents are often wrong and not accessible online. I suspect this is not compliant with the regulations.
3. The assistant supervisor - Mr. XXXX, XXXX, said i had no choice on if i can continue my forbearance plan and they can make the unilateral decision to ask me to pay back, which i believe is blatantly against the latest care act that gave borrowers several options to repay the loan.
|
| 11/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
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ISSUE : HSBC Bank refuses to pay promotional offer to Retired Military member because of military payment schedule FACTS : ISSUE : HSBC Bank refuses to pay promotional offer to Retired Military member because of military payment schedule FACTS : - In XX/XX/2018, HSBC offered up to {$600.00} for opening a HSBC Advance checking account by depositing and maintaining at least {$5000.00} in an HSBC account and initiating a recurring ( on a monthly cycle. ) direct deposit to the Advance account. The promotional payments would by calculated as 2 per cent of the direct deposit per month with a maximum of {$50.00} per month for 12 months.
- In XX/XX/2018, I took advantage of the above offer and directed the U.S. Defense Finance and Accounting Service ( DFAS ) to redirect my monthly XXXX XXXX payments to the HSBC account.
- No promotional payment was made for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. The explanation was that no direct deposit was made that month. Further, I was charged {$25.00} maintenance fees ( since reversed ) for two of those months.
- DFAS frequently makes monthly Military Retiree payments a day or two before the first of the month resulting in some months with two payments and correspondingly, some with none.
ACTIONS TAKEN : - Summer and ongoing. Ive tried working with XXXX, Va branch. They could reverse the maintenance fees, but could not fix the payment issue.
- I wrote the President and CEO of HSBC, NA on XX/XX/XXXX laying out the issue with no response until I again asked the local branch to prompt action.
- On XX/XX/XXXX, I received a generic acknowledgement of my concerns from the HSBC Manager of Customer Relations in XXXX, NY.
- After immediately thanking them, I asked for a status report on XX/XX/XXXX, nothing heard as of XX/XX/XXXX.
- I again asked ( via email ) the manager of the XXXX branch on XX/XX/XXXX for a status report, again nothing heard.
- On XX/XX/XXXX, I called the Customer Relations Manager in XXXX and left a message. Nothing heard since.
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| 11/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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Since XXXX of XXXX, I have been contacting HSBC for a recorded documentation of a lien release from a loan in XXXX. I have filled out the appropriate paperwork ( see attached document ) and called several times within the month, and they said I had to wait a whole month before they would provide the lien release. This lien release is needed by XXXX XXXX XXXX XXXX to fulfill the requirements for my home re-modification. On XXXX XXXX, I called HSBC on this number XXXX, extension XXXX, and spoke to a gentleman on a conference call with my financial adviser, XXXX XXXX, from XXXX XXXX XXXX XXXX. He said that HSBC did send " something '' to XXXX XXXX, and its most likely the recorded lien release. However, XXXX XXXX told me that it was not the lien release. On XXXX XXXX, I called HSBC and asked them once again to check into my case, and apparently they did not work on it since my initial request in XXXX. THIS is after I called several times asking status, and they said they were working on my request. I explained to them once again, my situation that XXXX XXXX is threatening to foreclose on my home, because they have asked for this since XXXX, and I have not received any documentation. A very nice lady XXXX XXXX said she would get on it, but as you can see from the attached emails, she too can not get a response.
When I called the Recorder of Deeds, they said there are two documents that refer to the same lien. Those document numbers are : XXXX and XXXX. They BOTH refer back to the same lien. I have also called HSBC as well as emailed them this information.
There seems to be a very callous, uncaring response on HSBC to fulfill what they are supposed to do, without any understanding of the impact on my life. I need my home to live in, for my business and to take care of my elderly mother.
I am looking to HSBC to please to submit the satisfaction letter I need, so that this daily threat of foreclosure does not loom over my life everyday and so that my life, is not on hold anymore.
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| 04/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
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On XX/XX/XXXX, during the trip to XXXX, I lost my wallet. I immediately notified the credit card company of the lost card. I informed them that the loss occurred between the check-out from the hotel and the taxi trip to the airport, I reported the incident to the airport police station but to no avail due to the language barrier. They informed me that they do not write a report for a foreigner who lost their credit card and informed us to report the loss to the credit card company.
We reported the lost/stolen card to HSBC and the subsequent unauthorized charges on the card which we disputed as a fraud. On XX/XX/XXXX, HSBC closed the stolen card account and credit all the unauthorized charges. Soon after the old account was closed and a new account was created, HSBC reversed the credit to the new account and charged us finance fees, late fees, and interest fees.
We make a good faith payment of {$50.00} of minimum payment to the newly open account, hoping that they will reverse the charges and credit us for the {$50.00} we paid We contacted them again in XX/XX/XXXX and requested the total balance and all fees to be credited. HSBC first respond was the fraud claim was denied and demanded us to produce evidence of fraud. We told them we could not produce one since it was impossible and as stated reasons to them in XX/XX/XXXX. They denied our claim and stated they will investigate.
60 days went by, and HSBC did not inform us of their decision until XX/XX/XXXX, we contacted them again to inquire of the decision. They informed us they still investigating and waiting for the merchant to respond.
On XX/XX/XXXX, they denied our claim again and reasoning that we must produce evidence of fraud.
We informed them that they have violated federal laws of charging interest fees, late fees during the investigation, They also violated several FCBA laws.
While pending investigation, HSBC continues to charge interest, late fees, and report our late payment to credit reporting agencies.
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| 10/12/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I am an HSBC customer with a personal checking account, savings account, and credit card connected to the account. At the end of XXXX, my account was hacked, monies withdrawn and paid to bogus vendors ( the vendor name was one I have in my files but there was no information on where the funds were transferred to and no record of the transaction. The real vendors did not receive any of these funds. When the balance of my account was drained, the culprit then started to use the credit line on my credit card, transferring monies into the account to be fraudulently transferred out. It took a lot of wrangling and almost two weeks from the time I discovered it to get HSBC to refund the monies to make my account whole and generate a letter to explain the bounced check from my account. The transactions were suspicious to begin with, but they did not notice it at all. In filing all the paperwork to report the fraud, one step I was told to take was to report it to the local police. I went to the police precinct and was told they need a report from the bank in order to investigate. I have not been able to get such a report from them, which seems to me would be routine. I 've made multiple phone calls to the XXXX headquarters, fraud dept., and was told to see the manager at my branch, who tells me she has nothing to do with that part of the process and ca n't help. While I have been repaid, it is an outrage that this bank ca n't - or wo n't - or does n't have to file such a report. I am sure I am not their only customer who has been hacked ; unfortunately, it 's now a common practice. In order to trace these kinds of activities, investigators need such information, but HSBC refuses to give it. I would appreciate any help you can offer and urge you to ensure that HSBC follows the regulations. If there are no regulations that would mandate that they file such a report, there should be, and I would like to know that as well as I will be happy to start writing letters etc. to change the rule.
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| 01/12/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
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on XX/XX/XXXX I made an International wire transfer in the amount of {$5000.00} USD to XXXX XXXX in XXXX, XXXX for the purchase of real estate. I was told by HSBC that it would take 48 hrs for the receiver to get the money. 48 hrs went by and the receiver contacted me to let me know that money was not yet received. I called HSBC on XX/XX/XXXX and they told me since it was an international wire transfer it would take 7-10 business days for the wire to be processed. According to HSBC the account had to be verified. Days went by and money was still not delivered. I then decided to wire the money from my XXXX account and the money was delivered in less than 48hrs which is the normal time frame. I then called on XX/XX/XXXX to cancel the Wire transfer since it was never delivered. I was told the credit would be reflected in my account within 2-3 business days. I called XX/XX/XXXX and was told additional information was required. I provided and verified the receiver 's information. Nothing happened. I called again XXXX and asked to speak to the wire department. I was told I couldn't speak to them directly. I called again on XXXX and was told the cancellation was under review. XX/XX/XXXX money still not refunded, I had to again verify the receiver 's information and was asked when the company was established. This information was not requested at the time the wire was initiated, so it makes no sense as to why I would need to provide that information to cancel. I however reached out to the receiver " XXXX XXXX '' and they were very cooperative and provided me with the information. This is the worst bank, I find it unacceptable that I to make over 10 calls, over 1 hour each to simply cancel a wire transfer. XX/XX/XXXX - Called again and had to provide additional information, they said the wire cancellation would finally be processed, and the money would be refunded within 3-5 business days. This bank should not be allowed to do business in the USA due to their bad banking practices.
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| 01/19/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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On XX/XX/2016, HSBC Mortgage ( or their subsidiary, XXXX ) issued a check to their third party vendor, XXXX XXXX XXXX for the payment ( {$1500.00} ) of my property taxes. Eleven days later ( XX/XX/2016 ), I sold the property, and was required to pay the property taxes ( pro-rated ). The funds from this transaction ( the amount I paid at closing ) posted XX/XX/XXXX, and I began contacting HSBC shortly thereafter to begin requesting my refund. The XXXX County Tax Department confirmed they never received a payment from XXXX or HSBC.
Despite weekly calls, escalation to supervisors, and countless promises to " expedite '' the handling of my request, I have yet to receive any funds. What 's worse, because of the heavily automated processing of refunds used by HSBC, although they can confirm they received a refund from XXXX on XX/XX/XXXX, they can not tell me ( a ) where the funds are now, ( b ) when I should expect to see them, or ( c ) the name of a human who can issue a check.
My belief is my rights are being violated in much the same way as those who lost their homes during the Great Recession due to banks heavily automated processing of transactions, in that case, foreclosures. This is a substantial amount of money which is essentially being " held hostage '', with no release in sight. Being without this money owed to me has caused me to ( a ) miss out on investment opportunities, ( b ) spend countless hours on the phone with individuals from HSBC who claim to be " powerless '' to do anything. It is my contention that no refund process should take this long, and XXXX ( for having unreasonably long processing times to issue payments/refunds ) and HSBC are profiting from having my funds at their disposal.
*Disclaimer : The servicing of my account was transferred to XXXX on XX/XX/2016. However, the aggrevating factor and salient point here is HSBC has failed to issue a refund to either me, or to XXXX as of this writing, so I do not feel XXXX is culpable int this matter.
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| 11/15/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Banking errors
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Web |
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On XX/XX/XXXX, I used online chat to request to transfer fund of my CD ending XXXX, which is due on that day, to my checking account.
But on XX/XX/XXXX, I found that the other CD ending XXXX, which maturity date is XX/XX/XXXX, was closed on XX/XX/XXXX. I inquired via online chat right away and the bank admitted that an error took place on the back end, and someone from our processing team mistakenly closed the CD ending in XXXX. I requested the bank to reverse the unauthorized transaction. They stated that they couldnt. So I requested for a reasonable solution. My request is easy. I dont want to lose any interest cause I expect to hold the CD till maturity date, which I always did.
XXXX, manager of their XXXX XXXX XXXX called in few hours and said they can credit me {$8.00} for the interest during XXXX XXXX. He didnt even mention that the bank has charged me a CD early closure penalty for {$81.00} until I asked. Upon I request, they credited 2 days interest and penalty right away. However, I still lose the interest I should have gained from XX/XX/XXXX to XX/XX/XXXX if the bank didnt mistakenly close the CD. XXXX stated that they can not credit future interests. So I ask him to find an alternative solution or instrument that can compensate for my loss. The interest rate of the CD is 2.47 %, APY 2.5 %. Of course, theres no such high yield CD now. So he said he will try to find out a solution.
I waited till XX/XX/XXXX and got no response so I inquired via online chat again. After a 1.5 hours wait. The representative told me the case is closed and I will not be able to get any further funds. In the end she/he even stated that Upon reviewing I see that it was requested from your end for the account to be closed and transfer the funds to checking account. Obviously the prior 1.5 hours she/he didnt understand the whole picture of the case, which is totally wasting my time.
I've attached the online conversation on XX/XX/XXXX and XX/XX/XXXX and highlighted the main points.
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| 06/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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I had a {$5000.00} line of Credit with HSBC MasterCard for the last two years. I did a Balance transfer and began paying the card off.
XXXX XX/XX/2021 I paid {$5000.00} which paid off the card.
XXXX XX/XX/2021 received an email from HSBC congratulating me on paying of my balance transfer and will help my FICO score and getting on the road to financial success.
* XX/XX/2021 Received my statement and a {$4.00} remaining interest charge was on it with the credit line still {$5000.00} and credit available was {$4900.00}.
XXXX XX/XX/2021 Autopay paid the {$4.00} statement balance.
XXXX XX/XX/2021 checked on line to make sure payment was posted and noticed my credit line changed to {$500.00} ( a reduction of {$4500.00} ) with {$470.00} credit available. I immediately Contacted Customer service and after three transfers 5 differed hold times and a total of 56 minute phone call and no reason could be found as to why my credit line was decreased. It was noted that a hard copy notification letter was sent but unable to locate the letter or verify it was actually sent as no date of mail was documented. The CSR was confused as to why this was as well. Then he put me on hold one more time which disconnected me.
XXXX XX/XX/2021 Received my statement with a {$29.00} balance for a charge, but credit line changed to {$500.00} ( a reduction of {$4500.00} ) with {$470.00} credit available.
This is the 4th financial agency that has done this to me after paying of my cards. I had payed my payment 100 % on time and my income has stayed the same.
These actions affect the most crucial part of my credit score and report as the percent of credit used to line of credit ratio is the number one affect on a persons credit score.
The move by HSBC dropped my credit score by 3 points and put me well below the 720 which is what is needed to get the best Home Mortgage Interest Rate.
It does not encourage anyone to payoff the credit cards if it is only going to lower your credit score.
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| 05/19/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On or about XX/XX/18, I opened a consumer checking account with HSBC by responding to an advertised promotion promising {$350.00} if I deposited {$10000.00} within 30 days and kept it deposited for 90 days. HSBC is still running similar promotions as of the date of this complaint.
On XX/XX/18, I deposited {$10000.00}. This date is within 30 days of the account opening, fulfilling the promotions terms.
On XX/XX/18, I withdrew {$9900.00}, bringing my account balance to {$50.00}. The time the account balance was above {$10000.00} was more than 100 days, further fulfilling the promotion 's terms.
The promotion 's terms stated that the {$350.00} bonus would be paid within 8 weeks ( 56 days ) of meeting the promotion 's terms, which would have been on or before XX/XX/2018.
During and before XX/XX/2018, I contacted HSBC to resolve this issue several times. HSBC has continued to engage in obstruction and false statements regarding the account 's history and bonus status. Importantly, they had also refused to honor their promotion for my husband 's account opened under the same promotion, although they later resolved my husband 's account after being confronted about failing to honor their advertised promotion. This indicates a pattern of deceptive and obstructive behavior regarding honoring their advertised promotions. I'm sure the CFPB can verify from other complaintant 's reports that HSBC is well known for this kind of bait-and-switch behavior. Bait-and-switch is illegal in the Untied States, and HSBC knows this yet continues to engage in it.
I have attempted to resolve this with HSBC for several months, and have been in contact with them about this issue more than 4 times. They keep refusing to honor the terms of the promotion, and point me to terms of a different promotion altogether.
I would greatly appreciate the CFPB looking into HSBC 's conduct in this matter and helping to resolve the situation. HSBC 's internal complaint confirmation number is XXXX
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| 04/06/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX XXXX XXXX XXXX XXXX, a collection agency failed to validate an account. They continue to report the invalidated account to the XXXX credit reporting agencies.
In XX/XX/XXXX I requested my free annual credit reports. On my credit reports I noticed an entry by XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I mailed XXXX XXXX XXXX XXXX a letter requesting validation. The information I requested in my validation letter were as follows:1. What the money they say I owe is for.
2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent.
They received it around the end of XX/XX/XXXX. In XX/XX/XXXX I received their response. Their response was a computerized printout on their own letterhead. Furthermore, they were n't able to provide the information listed above.
I allowed two months to pass by giving them sufficient time to send me some actual validation. In XX/XX/XXXX I mailed them a follow up letter to the response they mailed me in XX/XX/XXXX. In the letter I informed XXXX XXXX XXXX XXXX XXXX that they did not validate the account according to the Fair Debt Collection Practices Act. I included a copy of the FTC 's XXXX XXXX XXXX XXXX. I wrote them that according to this opinion letter when a collection agency reports an account to the credit reporting agencies, this constitutes collection activity. The Statute of Limitations on the alleged account they are trying to collect has expired.
Furthermore, I included a copy of the FTC 's XXXX Opinion Letter. According to this letter a computerized print out if a debt does not constitute debt validation. Again their response was a computer printout on their own letterhead. I received this response in XXXX.
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| 08/06/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Older American |
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This is my second complaint against this debt collector. First Complaint number XXXX. For the past three weeks, I have been called by a process server who states that his name is XXXX XXXX, with XXXX XXXX XXXX. He continues to threaten with legal papers for a debt that is supposedly 19 years old. I have spoken with XXXX XXXX XXXX XXXX on a number of times about this debt. I do not owe it. Secondly, both the statute of limitation has passed. This is not the truth. They are claiming that I last made a payment in XXXX, thus the debt is still good to file a lawsuit with. I confirm that this debt when into collection in XXXX because I was forced to move out of the house.
I requested their mailing address, but they refused to give me that. I have asked for paperwork on this transaction. But they refused to give me anything. I have voluntarily given them my home address. Yet, they will not give me anything on the debt.
Finally, I told that to send me a settle agreement with their address and I would reply. This was the only way that I could get them to give me their address. Attached is the document that was emailed to me to XXXX.
These people are totally unethical. They continue to threaten me with a sue if I do not comply. XXXX XXXX continues to leave messages stating that I have been notified and I will be served.
Now, I confirmed that this debt was associate with a home in XXXX GA. It was a brand-new home. The government file an eminent domain on this property. The house was only 2 years old. I purchased in a new subdivision. The government paid off all debt on this house and I do not owe anything. You can XXXX the street of XXXX XXXX XXXX XXXX in XXXX. The causeway is call XXXX XXXX XXXX. As you can see, the government put in a brand-new causeway that removed my house and my neighbors homes. I want this stopped. Please investigate this collection company.
I received settlement paper work from XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX XXXX
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| 11/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My statement from HSBC from XXXX included 13 unauthorized transactions in gas stations, all with amounts over {$80.00}. These transactions put my account over the credit limit.
I first contacted HSBC about these transactions on XX/XX/XXXX because my card was blocked. When I called them turned out I was over my limit as we reviewed the recent transactions that is how we realized of the fraud. Although they started a fraud investigation at that point, temporary credit was never given and my account continues to be over the limit. My old credit card was cancelled and a new number was reissued but I was never given a new card due to the over limit.
On XX/XX/XXXX, I called again because I received a Claim form to complete and I wanted to make sure I was providing everything they needed to complete the fraud investigation. I was asked to fill out a police report which I did and sent along on XX/XX/XXXX with the completed Claim form.
I was told at that point that as soon as they receive this information I will be contacted by the fraud investigator and as of today XX/XX/XXXX that has not happened.
I received an statement with close date of XX/XX/XXXX and still shows the balance that includes all the fraudulent transactions.
All the fraudulent transactions are considerably higher than my usual transactions at gas stations of around {$40.00} that can be seen in my transaction history. Also, none of them are at my city and I can prove I was working in town while they happened.
In addition to all of that my credit score went from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I am pretty sure that is as a result of this because nothing else on my credit has changed. When I mention it to them they said that because the card is over the limit they report it to the credit bureau and that will affect my credit. This is not fair as the reason why is over the limit is not my fault.
I am reaching out to you to help me get this investigation resolved once and for all.
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| 10/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/2018 To : Consumer Financial Protection Bureau Im writing this letter to complain about XXXX XXXX false information provided to Credit Bureau ( XXXX ) about delinquencies reported for account Account ( HSBC Advance Mastercard Account Ending in XXXX ). XXXX XXXX reported on XX/XX/XXXX that my account has later payment for 3 months and current balance {$100.00}.
After receiving alert from XXXX on XX/XX/XXXX, I checked my FICO score and it was lowered by 77 points because of that fraud report. After talking to XXXX XXXX ( credit card and collection department ) I was told that this is not correct information and bank DID NOT REPORT IT. I attach the letter from bank to confirm their answer. ( date XX/XX/XXXX ) XXXX credit bureau dispute was initiated on XX/XX/XXXX and result was returned back on XX/XX/XXXX back that said that information still correct and bank confirmed about my negative status of my CC balance.Currently there is still negative report in my account ( attached copy is provided ). Second dispute is initiated again.
THE REAL TRUE STORY IS THAT MY ACCOUNT WAS CLOSED IN XX/XX/2018 AND CHARGES THAT WERE MADE TO MY HSBC CREDIT CARD ACCOUNT WASNT AUTHORIZED. CURRENT BALANCE NOW XXXX AFTER WAIVING ALL FEES.
My complain is about false and misleading information from both agency : XXXX bureau and Bank HSBC. There is no real information provided from both of Agencies. HSBC customer support told that none reported to Credit bureau, but XXXX Credit Bureau notifies twice that there is still account in bad condition ( balance of charge and later fee for delinquencies ).
On XX/XX/XXXX I tried to reach both company ( HSBC and XXXX ) but none was able to help me as it was so hard to reach correct department and right people who is in charge of doing such reports. I dont think that FICO scores and Credit Bureau reports of people should be TRUSTED by any banks or financial companies.
Please help me to fix that fraud information and fix my score.
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| 02/12/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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InXX/XX/XXXX I had opened up an account at the branch and they were offering a promotion to refer customers to HSBC. Each new account customer gets a {$250.00} bonus for being an " Advanced Checking Customer '' if acct is funded with $ XXXX. 3 months go by and I following up with bank that it still missing. They credit the account with {$100.00} and missing {$150.00}. I contact the bank again. They said it takes 8 weeks to post after the acct is opened for 3 months. After 5 months still not resolved. At 6 months, we follow up again and they said give it another month. So I've already placed at least 5 phones calls to the branch and main number. On XX/XX/, we call HSBC main number and they find the wrong promotion code is entered and file an investigative report. Said to give them a week and they will call back. I called them on XX/XX/, and they have no idea what is happening and still not resolved. I am filing a complaint in that they are misleading people to opening accounts but will not commit to the advertisement. They hold onto your money with no one taking charge to resolve the case. You can't close your account as they hold this issue open as hostage and charge you a penalty if you close prior.
This the 2nd complaint I'm filing as they have said they will escalate and then closed the case before it was resolved. When I called in and I had the customer service representative, XXXX to note on the account that my mother, XXXX, to be given full authorization to discuss all aspects of this account as I was traveling out of the country and yet they would not disclose the resolution to her. Because they did not fund the account in a timely manner, I was likely hit with charges while traveling abroad. They should reverse any account charges as if the funds were there.
Very poor customer service. They refuse to provide a number to call into the corporate office. They would only provide an address to write in and it may take 30 days to get a response.
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| 07/27/2017 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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My mother was contacted by XXXX XXXX XXXX XXXX on XXXX XXXX, 2017 at XXXX XXXX by a message left on her answering machine. She called me right away and told me that they were trying to get a hold of me for a debt I owed and that if I did n't contact them right away to work a financial arrangement out then I would be summoned to court and possibly sued for this debt. I then called XXXX XXXX XXXX XXXX and spoke with a " XXXX XXXX '' around XXXX XXXX the same evening and she informed me that I still owed a debt from over 10 years ago on an old vehicle I had purchased. She originally told me that I owed a little over {$6000.00}, but that the company would settle for a little over {$2000.00}. She also said that she could talk to one of the attorneys from XXXX XXXX XXXX XXXX and see if they could work out a better deal. I was told that if I did n't pay this debt then for the next 6 months my wages could be garnished for almost {$400.00} a month. I informed her that there was no way this loan was still outstanding because it was over 10 years old and I had totaled my vehicle in which my insurance paid the remaining balance. I asked for an official document to be sent to me via email and when I did this she put me on hold for almost 15 minutes. When she came back on the line she informed me that she sent it over to my email and to check to see if I received it. I did receive an email but it did not appear to be legitimate as there were some errors in the document, one including the misspelling of my last name and it was literally a XXXX XXXX document. The document also stated that the balance owed was almost {$10000.00} now instead of the original number I was given before. I expressed this to her and she stated that it must have been typed up wrong. I am concerned that they are doing this type of thing to a lot of other people who are very gullible and do n't check facts and are just afraid to get sued so can we please get this taken care of. Thank you!
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| 01/05/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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My ex-husband and I took out a second mortgage from Beneficial for {$17000.00}, in XX/XX/XXXX. We then went through a separation in XXXX, and then a divorce. This created a lot of financial hardship for both of us, which led to a Chapt 7 bankruptcy with discharge in XXXX. Since I was still living in the home, I was told I could voluntarily pay the loan back, ( I did n't reaffirm loan ) which I tried to do sporadically until XXXX, when my payment was abruptly returned. The letter accompanying the payment stated that the account had been closed. Since I received no further communication, I assumed the debt had been discharged and I was no longer required to pay it. About 6 months ago, I inquired into refinancing the home, and was told that Beneficial had a lien on the title. I explained about the abrupt payment return, and even showed that the account was reported as closed on my credit report. I was told to contact Beneficial to request a release of lien. After many attempts, I finally reached someone who informed me that Beneficial had sold my loan in XXXX. After a lot of research and unsuccessful phone calls, I was led to a representative from XXXX ( formerly XXXX ), who told me that my account was active and had been accruing interest. She informed me that I now owe {$18000.00}. She told me there was a note in the account not to contact me due to the discharged bankruptcy. So, not only was I not notified of the change of lender, but I was being charged interest on an account I thought was closed! XXXX wants to negotiate a settlement, but they do not hold the lien on my title, it is still listed as Beneficial, in county records, who has already received payment when they sold the loan. I am concerned that if I pay XXXX, They will not have the authority to release the lien, and Beneficial can still have a claim on my house. I do n't know what to do at this point, and legal counsel is very costly. Are you able to point me in the right direction?
|
| 01/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Throughout the second half of XXXX, I received multiple credit card offers from HSBC Bank related to my high credit score. Multiple offers were received from HSBC for an HSBC Cash Rewards Mastercard. On the advertising " pre-screened '' offer, it stated a 0 % Introductory APR in bold red lettering. A similarly looking offer was received for the same colored and designed credit card, an HSBC Platinum Cash Rewards Mastercard. Both offers offered {$150.00} cashback for spending " x '' number of dollars in the first 90 days of account opening. One of the offers stated XXXX points that equaled {$150.00} cashback. After multiple solicitations I decided to sign up for the card in XX/XX/XXXX that included 0 % introductory APR for 15 months for purchases and balance transfers. Or, so I thought. I spent on the card according to a planned project for those stated terms.
In late XX/XX/XXXX I received my first statement showing a 14.99 % APR on purchases. At this point the total I accrued on the account was based upon a payment plan to pay off the full balance in early XX/XX/XXXX.
On XX/XX/XXXX I spoke with multiple representatives at the company who defended the fraudulent advertising practices, even referring to the website to review the offers attempting to make me believe it was 0 % for 15 months on balance transfers. I received a paper offer ( multiple to be specific ) and this is not how the advertising read or what was expected based upon the advertising.
To date, I have never used a balance transfer in my life and did not plan to do so. The credit card was signed up for and used according to the 0 % Introductory APR for purchases and transfers offer I believed I was getting. The Cash Rewards and Platinum cash rewards card design are nearly identical in nature and the terms are similar except for the purchases clause.
The attached document is an example of one solicitation letter, but not necessarily the one attached to the sign-up I used.
|
| 06/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
HSBC is refusing to accept Qualified Written Requests ( " QWR '' ) under Section 6 of RESPA.
HSBC sent me a notice that it had transferred the administration of my loan to XXXX, and that any QWR was to be mailed to an address of XXXX. A copy of the notice is attached.
I wrote HSBC a QWR in XXXX XXXX. I mailed it and faxed it. I also filed a complaint with the CFPB. My XXXX tax payments were in arrears, although I had paid for them through my escrow account.
I received a letter back from HSBC in XXXX XXXX, stating that the bank got my CFPB complaint, and my fax to its service center. However, HSBC claimed it did not receive a copy of my letter to the address it specified for QWR 's ( XXXX XXXX XXXX ). That is a DIFFERENT address from the notice they had sent to me before. They discussed my issues from CFPB, but said they would " not consider [ my letter ] to be a QWR as defined in Section 6 of RESPA. '' A copy of HSBC 's letter is attached.
I sent HSBC another QWR in XXXX XXXX, and again filed a complaint with the CFPB. My taxes had still not been paid from my escrow account, and my house was now in foreclosure. I sent the letter to the XXXX XXXX XXXX address HSBC had said it designated for QWR 's. A copy of the certified mail receipt is attached.
Yet, I received a response letter from HSBC in XXXX XXXX, AGAIN stating that they had not gotten it at the proper address and that they would therefore " not consider it to be a QWR as defined in Section XXXX of RESPA. '' A copy of HSBC 's letter is attached.
I want to know that my letters from XXXX XXXX and XXXX XXXX are each QWR 's. I want confirmation that the XXXX XXXX letter in particular was received by the proper unit designated to receive it. I also want an explanation why a CFPB complaint or a complaint to any HSBC service center does not get treated as a QWR under law. I do not want HSBC acting as if it can selectively ignore RESPA by denying complaints QWR status.
Thank you.
|
| 08/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX, I applied online to open a HSBC Advance Checking account and also made a deposit of $XXXX. The account was opened to satisfy HSBC’s new checking bonus of $XXXX. The terms and conditions included:Open new HSBC Advance checking account by XX/XX/XXXX.Deposit a minimum of qualifying balance of $10,000 or more in new money in combined checking and savings accounts within 30 calendar days of account opening.Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance.Supposedly I was to receive the $XXXX bonus 6 to 8 weeks after the completion of the 90 days period. Technically, by XX/XX/XXXX, I had satisfied all the requirements. Two months had passed and by middle of XX/XX/XXXX, I still had not received the bonus. I contacted the bank via live chat to inquire the status of the bonus. A customer service representative (CSR) indicated that the bank would start the investigation. Since then, on numerous occasions, I have contacted the bank either via live chat or telephone calls to inquire status of the investigation (case# XXXX). In XX/XX/XXXX, I was able to speak with a supervisor level CSR by the name of XXXX. He ensured that the issue had been escalated and the bank would send me an update in the next 2-3 days. It did not happen. So I tried to contact them via live chat was able to get through XXXX, on XX/XX/XXXX. He again promised me that he would send me an update in 2-3 days. On XX/XX/XXXX (not 2-3 days promised), I finally received a response from the bank indicating that the investigation is still on-going and a response will be sent to me in 2-3 days. It is now XX/XX/XXXX, and I still have not received a response. I’m very tired of HSBC’s false promises and delayed responses. After more than 8 months of the money being deposited into HSBC’s checking account, and 5 frustrating months after meeting all the requirements, I still have not received the bonus of $XXXX.
|
| 04/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
On XX/XX/XXXX my wife and I were returning an item at the XXXX XXXX in XXXX XXXX, CA. In hind sight we can only assume our HSBC credit card was lost at that location. At approximately XXXX XXXX. I received a text from HSBC indicating there are suspicious charges on my credit card account. I contacted HSBC immediately and was informed someone had used our HSBC card twice at a XXXX 's store in XXXX XXXX, CA., one charge for {$500.00} and another for {$1000.00}. The card was closed and thus an investigation started. I contacted HSBC the next day to ask them how to proceed. I was told the investigation would take approximately 90 days to complete. I waited. Around the XXXX of XX/XX/XXXX, I contacted HSBC and was told the investigation was still ongoing and to wait another week. I contacted them again a week later and was told the same thing again. I pressed for more information and was told I needed to complete a police report. I filed an online report XXXX # XXXX ) and again waited another week. On XX/XX/XXXX HSBC told me the investigator had talked to the XXXX detective and that the detective would be calling me. Proactively I contacted Detective XXXX XXXX of the XXXX Police Dept. who told me he had no questions for me. Detective XXXX further indicated that the investigator he spoke with mentioned the charges were indeed fraud. I contacted HSBC again to speak with XXXX XXXX unknown last name ) the investigator. He was not available and after be assured on three separate phone calls that XXXX would be returning my call, he has never done so. On XX/XX/XXXX I spoke with HSBC investigator XXXX who told me to submit a complaint in writing to a PO box in New York. I sent a certified letter on XX/XX/XXXX to the address I was given and it was returned today with a NS # which I assume is no-such number. To date this remains unresolved and I have had NO communication in writing or a phone call from HSBC. ALL communication has been initiated by me.
|
| 01/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Back in XX/XX/XXXX I receive a letter from HSBC Bank USA that all my accounts with HSBC Bank USA will be transferred to XXXX XXXX due to a recent acquisition of HSBC US by XXXX. Since then I have got several letters with information how all my accounts incl my XXXX XXXX Account will be transferred to XXXX by XX/XX/XXXX.
We are now getting closer to the actual date of transfer to XXXX XXXX which will take place around XX/XX/XXXX. Despite what all the information letters I have gotten from both banks shows, I now yesterday and today by coincidentally speaking with HSBC customer service on other mattersXX/XX/XXXX find out that my XX/XX/XXXXAccount with HSBC will not be moved to XX/XX/XXXX something I have not been informed about elsewhere. HSBC can not give me any explanation why this is now the case and they tell me they can not change this. This is a very unfortunate situation to put thousands of clients in ( I am sure I am not the only one in entire US having this problem now ) because I will now have to deal with two banks in my daily life going forward instead of one which is completely against my will and might also more long term affect my credit scores negatively. A negative effect on my credit score from this potentially could have substantial economic impact on me due to an acquisition and joggling of clients bank accounts between HSBC and XXXXXX/XX/XXXXwhich is completely out of HSBC clients hand and we have no say against it. I find this random joggling with trusted and good customers bank accounts and credit cards between two banks very critical and completely unacceptable and can impact bank clients substantial negatively both short term and long term. Therefore I kindly file this compliant which I very much hope and would be very thankful if FTC would take up, go into and try to solve so HSBC clients do not end in this bank account and credit card limbo being randomly split from one bank into two banks in the daily life.
|
| 01/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I opened this HSBC/Mastercard credit card account at the end off XXXX, accepting an invitation they sent to me by regular mail with an incentive of {$150.00} after {$1000.00} of purchase with that card.
I was approved and start using it and scheduled two on line payments with emails confirmations.
1- {$100.00} on XX/XX/XXXX conf. XXXX 2- {$500.00} on XX/XX/XXXX conf. XXXX By XXXX Holidays my wife told me that her card was rejected at the store. I told her that should be fine due may earlier payments. I checked on line, and the payments were reversed and a {$25.00} fee was added. I called to customer service XXXX on Thursday XX/XX/XXXX twice and waited for 45 minutes first and about 30 min hold, no agent took my call while waiting. Finally an agent answer and told me that my account was blocked and I need to call security to XXXX. Called by XXXX a machine asked for my ID info and again wait for about 20 min nobody took my call and I decided to hang up because I've got to work. Called again next day same thing 30 min on hold no agent to take my call, so I hung up. So XXXX passed by and I went on line on XX/XX/XXXX, and tried to check my payment info to see any errors, I couldn't pay neither could see my payment information but I created A link to my bank account just in case. I start chating to them to look a new way to pay and make them to waive the fee. After chating for a while they told me that they can't help me that I need to call XXXX which I did but same thing It put me on hold and nobody took my call. Call again, and finally an agent answer but she told me that I need to call the XXXX during office hours, because she can't help me at that time. I'm afraid more fee are coming up and I have no way to pay. That's a ridicule and consuming time situation. that costumer service is horrible it tired me up. I just wanted to pay that in full get rid of those fees and close the account but they don't have a branch in XXXX Texas.
|
| 05/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX, I opened two accounts with HSBC in person - savings and checking. The month prior I had received a promotional card by mail stating that I was eligible to receive an {$800.00} cash bonus by depositing {$100000.00} in the combined accounts and maintaining it for 90 days. I redeemed this card with the branch relationship manager and believe it was valid/unexpired, bonafide, and targeted at me.
On XX/XX/XXXX, I transferred {$220000.00} into these accounts and today still maintain a balance of over {$170000.00}. At no point did the balance drop below the {$100000.00} threshold ( see attached ).
In XX/XX/XXXX I noticed that the {$800.00} bonus had not been credited. On XX/XX/XXXX and XX/XX/XXXX, I had a series of correspondences with HSBC via their BankMail platform ( see attached correspondences ) to inquire why the {$800.00} had not yet been credited per the terms of the offer. HSBC stated that after maintaining the $ 100k+ balance for 90 days, I had to wait an additional 8 weeks for the promotional credit to arrive in my account. As of XXXX XXXX, 172 days had elapsed since the deposit was made ( 90 days plus 11 weeks ).
On XX/XX/XXXX, I had followed up again with HSBC via BankMail ( see attached ). I was then informed that my " account is not eligible for the welcome bonus offer as the application form was rejected either valid personalized code or invalid account number submitted. '' Please note that I personally did not fill out any application form to redeem the offer ; I simply handed the offer card to the relationship manager, who then processed it. On XXXX XXXX XXXXXX/XX/XXXX, I emailed the relationship manager ( who initially said he would look into it ), and I subsequently followed up several times ( see attached ), but did not hear any response back.
At no point prior was I informed of any issue or asked to correct any incorrect documentation, which was processed by the branch relationship manager.
|
| 07/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American, Servicemember |
|
I 've submitted several request for loan Modification to HSBC Mortgage Servicer for assistance in reducing the interest rate on my home loan, which is at 8.76 %, which is perhaps the highest in the nation at the current time. All of my loan modifications have been denied. Once I submit a loan modification request, they assign a loan representative, then they unassign then assign a new representative, who is most always difficult to contact. They ask for the same documents over and over, as if the the documents sent to them goes into a black hole. My most recent loan modification that included a request for the removal of a balloon payment, interest rate reduction and forgiveness of all or a portion of the principal, was again denied in XX/XX/XXXX. They did not provide a specific reason for the denial but said that i could appeal. Appeal what? The latest person that I spoke with at HSBC only offered the advise of making the next 6 payments on time? Ok, so what happens after making the payments on time, Is my balloon payment going to be removed? Is my interest rate of 8.76 % going to be reduced to the current marke? Is my principal going to be reduced or forgiven? I have never been able to reach my loan representative! This is an excerpt from the most recent XX/XX/XXXX National Mortgage Settlement, which HSBC Mortgage Servicer have not been in compliance with : " HSBC is also required to complete XXXX in creditable consumer relief directly to borrowers and homeowners by XXXX XXXX in the form of reducing the principal on mortgages for borrowers who are at risk of default, reducing mortgage interest rates, forgiving forbearance and other forms of relief. The relief to homeowners has been underway and will likely provide more than XXXX in direct benefits to borrowers because HSBC will not be permitted to claim credit for every dollar spent on the required consumer relief. '' I am one of those borrowers that HSBC refuse to work with.
|
| 05/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Spoke with a random Beneficial HSBC mortgage agent on the phone on XXXX/XXXX/2015 to ask about a reduced interest rate for my mortgage, yes we can do that. Received letter dated XXXX/XXXX/2015 offering a Loss Mitigation Application trial period. If I were to meet the XXXX payments in the trial period, my loan interest rate would be reduced to 8.422 % and a reduction of {$170.00} in mortgage due per month. I called the number on the letter and asked what is the catch? No, catch, we want to do this for you. My gut said something was fishy but I wanted a lesser interest rate and monthly payment, I paid the three month trial period. When I finally got the actual paperwork on XXXX/XXXX/2015, it was too late to back out, if I did, I lost the three months that I have already paid, which they would not apply to my mortgage, meaning, I was paying XXXX each month for XXXX months. What I thought was too good to be true, was. During this time, my mortgage specialist agent was switched to a different woman. She was extremely defensive, stating that she was just doing her job. Another red flag.
Now, I have another negative reporting on my credit rating, Beneficial has the Deed-in-Lieu of Foreclosure on my house and will send me a XXXX for XXXX for the 2015 tax year. I signed the papers and returned them because I could not afford to pay three months mortgage XXXX. I am mad that I was taken advantage of. Yes, I should have had a lawyer look at it for {$250.00}, that is my error. I would like to have this corrected and stopped so that other people like myself, hardworking, just trying to make ends meet and have the XXXX dream of owning a home and making an honest living do n't have to have the stress and anger that I experienced with Beneficial.
I have all of the paperwork and names of the persons that I spoke with at Beneficial that show every step of the way.
Thank you for your assistance with this. I hope that my story will help others.
|
| 09/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I had this credit card with HSBC for some time now, which I very rarely use. Last I used this card in XXXX XXXX and charged {$110.00}. They stopped sending me monthly card statements. As I did not receive any statement since XX/XX/XXXX till now, I did not remember the balance amount. They sent me a collection notice in XX/XX/XXXX saying that I owe then {$79.00}. I called their customer service to ask why this is in collection and why I did not receive the statement. They mentioned that there was a returned statement so they stopped sending the statements. I paid the full amount and confirmed the address. They promised that they would start sending the statement. Again I did not get any statement, but received another collection notice, this time indicating that the balance I owe {$77.00}. I paid that on XX/XX/XXXX assuming that now I am paying the full amount. But again on XX/XX/XXXX they sent me another collection notice stating that this time I owe {$77.00}. I called them today and found out the total charge was {$110.00} in XXXX XXXX but as I did not pay I was charged interest and though the statement says I owe only {$77.00} I actually owe {$110.00}. I paid that amount fully today over the phone and asked them to close the account.
My problem with HSBC is that they were not sending me the monthly statements and kept charging punitive interest. If one of my mail was returned ( I don't know why that will happen, as I this is my primary residence since XXXX and I get all my mail here ) why did not the back try to send me an email or tried to contact over phone. They have both my phone, and email on their file. Secondly, if they say they could not deliver the statement, how is it that they are able to mail me the collection notice at the same address, which I have received every time.
With their not sending me the billing statement and keeping me in the dark, I had to pay a total of {$270.00} for a purchase of {$110.00}.
|
| 03/16/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
Dear Sir : I am a customer at the HSBC Bank at XXXX XXXX XXXX, XXXX New York XXXX and am opposed ti the closing of this branch This branch has been in existence in this area for over twenty years. This is the only HSBC Bank in XXXX that has free parking space for it customers unlike the bank in XXXX XXXX, XXXX XXXX XXXX that has a municipal parking lot or the bank at XXXX XXXX XXXX or XXXX XXXX XXXX ( branch is closing ) that only has street parking and the time that is wasted in trying to obtain parking and the fear of a parking ticket if your transactions in the bank are longer then the time on your meter. The other banks that are totally inconvenient to the customers in this area are in XXXX, not in XXXX at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on the east side of XXXX.
The branches listed above are a radius of four to six miles away from the HSBC located at XXXX XXXX XXXX. By car it is at least a 15 minute ride and by public transportation at least an hour. This is an inconvenience to loyal customers who have banked there for years because of the close proxcimity of the bank and their drive-in window for those customers who may have a XXXX or need for quick banking without leaving their car. Another factor is this is the only branch in XXXX that has a drive-in window and people come from all over because of its convenience. It also provides a banking facility for city workers in the areas and people who shop here and do their banking while they shop.
The closing of the HSBC Bank at XXXX XXXX XXXX XXXX will cause a hardship to many of us who have banked in this area and have been loyal customers who do not wish to be inconvenienced or find other banks for our money after so many years of banking in this branch.
The staff in this bank have always shown professional courtesy and consideration to me in making sure that all of my banking transactions have been met and I would surely miss this attention.
Yours truly,
|
| 02/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
This is the third time I've applied for one of your credit cards and the last 6 months and I know that probably seems a little excessive but at this point it's the principle of the thing you keep telling me you can't verify my identity I don't know how that's possible even if I had transposed and number or letter somewhere on the first application there's no way I made a mistake on all three applications it just isn't possible and believe it or not years ago I had an HSBC credit card account in good standing and you sold it to XXXX XXXX which means that I was a customer of yours at one point with the same date of birth in the same social security number when I fill out the application you have me put in my Michigan state ID information so are you saying that the state of Michigan doesn't know who I am I have a passport I travel all over the world are you saying the federal government doesn't know who I am because I give these government agencies the exact same information that I'm giving you and they're able to verify my identity but for some reason you are not and whenever I call your only solution is for me to reapply you never know why like I said it's the principle of it at this point I have a wallet full of credit cards it's not that I necessarily need another one but the fact that you keep declining my application for only one reason is you claim you can't verify my identity I'm assuming because you're using some computer system and instead of somebody a human being with some common sense looking at the application and saying well obviously this is XXXX XXXX you're relying solely on some computer system that is clearly mistaken I'm sorry but there must be some way that I can prove who I am to you do you need copies of things copies of my birth certificate my passport what exactly is it that you can't confirm? I will file a complaint every month until someone fixes the computer system that is clearly not working right!
|
| 04/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
|
Opened an account with HSBC advance on XXXX with a promise of a welcome bonus after 8.wks. I called after XXXX when the 10K was deposited to make sure it was set up correctly to get bonus & was told it was. Called after the 8 wks and was told that they had another 90 days until they had to add the bonus. Did online chat and was told it would be added soon. Online chat again XXXX and was told they would open a inquiry. Sent a email Sent XXXX XXXX Dear XXXX XXXX XXXX Thank you for contacting HSBC BANK USA XXXX NA We understand your inquiry and apologize for the inconvenience. Upon reviewing your account details, we are showing our Campaign and Promotion Team has been made aware of the promotional bonus. A case was opened on XX/XX/XXXX. Once a response has been documented on your account, you should receive a email.
If you have any further questions or concerns, please don't hesitate to contact us either via BankMail or Live Chat.
For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XXXX. All Rights Reserved.
In regard to your promotional query ( KM XX/XX/XXXX Dear XXXX XXXX : We are writing you in regard to your promotional query.We wanted to advise that we have sent a request to our Area Manager to provide approval for the {$400.00} promotion. Please allow three to five business days for this approval to occur. Once the approval occurs, we will reach out to you to provide this information.
We appreciate your patience while we work on this for you.
If you have any further questions or concerns, please don't hesitate to contact us either via BankMail or Live Chat.
For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XXXX. All Rights Reserved.
Called XXXX. Nothing can be done The account # is XXXX
|
| 07/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a consumer credit card with HSBC. I owed XXXX cents which was due on XX/XX/2021. Rather than write and mail a check for XXXX cents, I went into a branch and paid it in cash, receiving a receipt as proof of payment. I made this payment on XX/XX/2021, which was three weeks before it was due XXXX see attachment to this complaint ). I was told by HSBC that this was acceptable. To my surprise, I learned on XX/XX/2021 that they never posted this payment, and now it shows that I paid it late and received a late payment penalty. I attempted to correct this via phone on XX/XX/2021, but they were unable to help me, so I had to go to the branch where I made that payment ( HSBC, XXXX XXXX XXXX, XXXX XXXX CA XXXX ) to have this matter cleared up. So, I immediately went to the branch and showed them the receipt with the payment date of XX/XX/XXXX, and asked them to correct my payment record and reverse any late fee. I was assured by the Vice President/Branch Manager XXXX XXXX that the record would be corrected, reversing any late fee and showing that I paid the amount on time, on XX/XX/2021 XXXX not late ). Today, XX/XX/2021, I called HSBC to confirm that everything has been corrected. I spoke to " XXXX '' who, to my surprise, told me that the payment is showing as paid - but their records shows that I paid it yesterday ( late! ) on XX/XX/2021. I asked that the record be corrected - I do NOT want a late payment showing on my payment record - but she said that there was nothing she could do about it. This is not right - I did not make a late payment on my credit card account, and HSBC records should NOT show that I did. I want HSBC to clearly show in their records that I paid my credit card bill on time, three weeks prior to the due date, on XX/XX/2021 - not late! Also, Branch Manager Mr. XXXX XXXX should not have misinformed me by telling me that the payment date would be corrected to show that I made the payment on time.
|
| 08/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
XXXX XXXX XXXX XXXX of XXXX, Virginia attempted to confiscate my Federal Student loans which were twice the amount that was owed originally. The account doubled in two to three months. This was in XX/XX/XXXX. They won a judgement against me in XX/XX/XXXX by misinforming me why my account originally went to collections. This led to them drawing from my checking account for roughly the amount I told them I would be receiving in financial aid and right when I told them I would begin to receive it. XXXX also set up a date for a settlement that I did not agree to, then sent me a letter saying I missed the payment followed by filling for a judgement. I have n't had any communication from them in three years.When I went to refinance my house in XX/XX/XXXX, they showed up and say that I owe them XXXX XXXX dollars in interest on a loan that was roughly XXXX dollars. Through garnishments, they have collected nearly 11 thousand dollars. The garnishments stopped in XX/XX/XXXX. The damage caused by this company has endured for close to a decade creating health issues and financial hardships. Not to mention physical damage to my house while they were garnishing my wages in the middle of winter and the heat went out. XXXX refuses to negotiate a reasonable settlement and keeps demanding paperwork that no longer exists for my home refinance that is no longer going to happen. It took 3 years for them to provide paperwork related to the account as to why it went to collections. Upon review of the details, it showed that I was charged for a month when I did not have a payment due because of a promotion through the creditor. I pointed this out to XXXX XXXX XXXX and they refused to do anything about it with the exception of one representative that looked into the notes and acknowledged that I was under the promotion when I was charged a payment. They continue to do nothing about it. All I seem to get from them is " Shut up, pay us. ''
|
| 07/05/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Hi My name is XXXX XXXX My loan was originally listed as XXXX XXXX XXXX.
We received a Mortgage from HSBC back in XXXX 2003, after keeping it we fell into hard times and was approved for a loan modification and then the worst thing that could ever happened. The person who approved it after they reviewed our financial records stated that we were all set and that someone who was her boss was going to speak with me. When she turned the phone over to him, he was the worst person I had ever talked to in HSBC at the time and flatly told me that he did n't care who approved me that he was n't and after the conversation left me crying in the rain at XXXX XXXX. I complained and called back because we had met the qualification criteria and received a call from HSBC on the terms and conditions of the loan modification.
However, because he was having a bad day, it prevented us from getting the necessary assistance needed. I 've called you all on more than one occasion, even when dealing with XXXX I was advised to reach out to someone. This was the case of someone who abused their power to prevent us from saving our home. I may be insignificant to you, but this was our first home and we lost it because someone decided to exhort there authority aggressively.
When you mistreat people it does tend to hit the company the hardest even when the majority of the company is not responsible for a few people who operated in corruption, but the acts of one person can hurt and this is the same situation. I 've sent letter by mail, and I 'll called via phone on numerous times and no one returned my call. I 'm trying again to reach out to someone that will hear me and have compassion to help us. As this event was unfair and we were mistreated.
The address at the time is listed below. I have n't given up because this happened years ago, it 's still wrong and should be addressed.
I look forward to hearing from someone at HSBC.
Regards
|
| 03/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
In XXXX and XXXX I was at XXXX XXXX XXXX trying to the knowledge I needed to be a successful XXXX XXXX and because of the school regulations after my class was over I met after school to meet an instructor at his shop to help with homework and to help me understand how a business works at XXXX I was not an employee however a creditor started making calls there and I didnt appreciate being bothered while I was trying to learn. I went on from XXXX to go to XXXX XXXX after this creditor messed up my relationship I had with the instructor at XXXX .. Im still very XXXX this even happened and I lost XXXX dollars because I failed that semester and creditor took school funds. I told this creditor I was in school and it was on a legal document in XXXX XXXX however I was completely ignored While attending XXXX XXXX I was offered a chance to attend training and schooling at a body shop all was through XXXX XXXX in XXXX and it was not a job. In XXXX XXXX and XXXX started garnishments on student funds took XXXX creating problems with my tools then continued to take XXXX a week till XX/XX/XXXX when I was placed on medical leave Im furious that I was bothered while trying to pass a very hard course. Thanks to XXXX and XXXX my position was given to someone else and I lost the tools that where given to me XXXX from XXXX tools. My tools are now being repoed Im 13 weeks behind. So I spent 30 years trying to build a career only for XXXX up creditors to destroy everything I worked hard for. I filed many complaints on here and other agencies and was told that I was sent documents to exempt this yet no papers ever showed up at my address. I was completely taken advantage of if I knew everything about law I wouldnt be having to pay for an attorney constantly. Your a complete disgrace and hope your happy with completely destroying my life all over a debt I doubt I owed. I just had to freeze my credit do to fraud and identity theft
|
| 05/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
This complaint is a follow-up complaint to CFPB complaint # XXXX and now complaint # XXXX due to the inaction and lack of communication by HSBC. What I said was going to happen has happened ; in my first CFPB complaint to HSBC on XX/XX/2020 I said " I strongly believe that HSBC is trying to wait me out and want me to give up, or at least wait until my checking account reaches to {$0.00}. '' My account has finally reached to {$0.00}, in fact, even a negative balance. Based on a response by XXXX in response to my second CFPB complaint, a check in the amount of {$1400.00} was sent/generated on XX/XX/XXXX. XXXX said that it would take 7-10 business days for it to arrive. When 7-10 business days passed, I tried to maintain communication with XXXX, which had large gaps in her responses and no responses through email recently. During my wait with XXXX XXXX had to call customer service multiple times, with every time having no results. It is now XX/XX/2020, almost 2 months after the check was supposedly " sent/generated. '' The lack of communication or reassurance that my funds would be given back to me as continued to lengthen this ordeal for me and has appalled me beyond belief. I have done everything on my part during the fraud investigation, which took an unnecessary number of months with the fraud department trying to shift blame to me when I was the one that had to bear the brunt of communication by calling them every time, since no one was calling me back. I have had well over 40 lengthy calls with HSBC trying to keep me informed about my money and my account and now it looks like the struggle that I had with the fraud department is now happening with the customer relations department. I have checked my mail every day. I have been put on hold for hours on end. I have maintained hope in HSBC that they would keep to their word give me a great banking experience, but so far it has just been a living nightmare.
|
| 07/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX Dear Sir/Madam : In XX/XX/XXXX we closed on our property at XXXX XXXX XXXX.
During the closing we had paid approximately XXXX in closing cost and XXXX down payment on the property. Our credit score was > 700+ however we had received a very high interest rate ( see attached ) as well as a recommendation for XX/XX/XXXX mortgage. We had purchased through a mortgage broker.
1. At the closing we did not realize that the XXXX was not added to the cost of the house instead of XXXX our first statement indicated XXXX. we called HSBC and was told a correction would be made several times as of today this was never rectified.
2. During hurricane Sandy we requested to refinance, we were told we were not eligible and would be better qualified for a mortgage modification.
XXXX. Due to severe damage to the roof of the house and the amount to be paid monthly they offered us during this process, to pay half which we did until the modification was completed. Please note from XX/XX/XXXX until present we were never late on our mortgage payments.
XXXX. After the modification was completed XXXX was added back to the house payments. With a 4 % interest rate.
XXXX. Several months after, our mortgage was sold to XXXX XXXX XXXX
Over the pass 8 years we have paid our mortgage via XXXX XXXX, and in reviewing our payments which has increased over the years, we called XXXX XXXX on Friday. We were told we have another escrow shortage of $ XXXX, which will then increase our mortgage payments again.
They suggested we refinance. Then they told us we have a XXXX mortgage, but over the years we are now at 32 years. We have been living in this house since XXXX. We thought we had roughly 15 years left to pay off the mortgage.
We would like some form of assistance in reviewing both HSBC prior mortgage and this current mortgage.
Please advise.
Respectfully, XXXX XXXX + XXXX XXXX
|
| 04/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
To whom it may concern.
I am having difficulty with obtaining my data from HSBC. Attached are official records that show communication of my request for information starting from XX/XX/XXXX. However, I have been calling to HSBC XXXX requesting this information since XX/XX/XXXX, and on XX/XX/XXXX I visited HSBC branch at XXXX XXXX XXXX, XXXX XXXX NY XXXX and requested the same information from Mrs. XXXX XXXX XXXX.
The information I have been requesting is a copy of bank statements from my HSBC credit card for the period from XX/XX/XXXX through XX/XX/XXXX XXXX hereinafter Requested Period ). HSBC has reissued my credit card several times since the Requested Period. For this reason, bank statements for the Requested Period are not available on my online banking account. Also, I do not possess the number of the credit card which was valid at a time of the Requested Period. The reason of my request of is to prove my medical expenses in the approximate amount of {$2500.00}.
HSBC has failed to provide me with the requested information. Enclosed are responses to my twenty-three requests and follow-up requests on the same issue via BankMail. Also, the following complaints about the same issue were registered via BankMail : # XXXX, # XXXX, and # XXXX. I am also enclosing HSBCs letter dates XX/XX/XXXX with copies of the bank statements for a period of time which is different from the Requested Period. These are the only records I have since all telephone and online chat agents were unable to provide me any records of my customer request.
I would appreciate if HSBC could either provide me copies of my credit card statements for the Requested Period or pay {$2500.00} in cash to my XXXXSBC checking account as a compensation for the loss Im incurring due to HSBCs failure to provide me this data.
If you have any questions, please email me to XXXX or call me to XXXX XXXX XXXX XXXX.
Sincerely, XXXX XXXX
|
| 03/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
HSBC Bank sent UNSOLICITED " Prescreened-approved Master Card credit card that advertised 0 % APR forRef. : Master Card acct # XX/XX/XXXX On XX/XX/XXXXmy referenced account was charged with {$18.00}. I called their Customer Service and to my surprise and dismay I was informed that it is interest on my balance of my card. I opened this account only because they UNSOLICITED, mailed me an offer with 0 % APR. Nowhere in that offer it was mentioned the interest rate for purchases but ONLY that 0 % APR on Balance Transfers only misleading me to believe that 0 % applies on purchases as well. This is a masterful technique to mislead the consumer to believe so by omitting the proper information and it is misleading, immoral and borderline fraudulent. After receiving my Credit Card, I again called Customer Service to verify that 0 % APR as well as its expiration date, in order to proactively protect my self from any deceitful, well by now aware of such practices through my past experience with financial institutions, and I was again notified of the 0 % APR, again with no disclosure or distinction to purchases.
As a result, on XX/XX/XXXX I electronically paid the amount of {$2800.00} effective due day. This amount paid off and in full my credit card account/balance re reference with the exception of the {$18.00} of the improper, deceitful, and fraudulent Interest Charge. This practice is not only immoral but illegal and I reserve the right to report this practice to the proper authorities and/or regulatory agency/ies.
I sent to the Bank a registered letter disputing the charges due to deception. They have now sent me a bill with balance of {$37.00} including outrageous penalties and denying that they ever received my letter mailed to them registered Tracking # XXXX on XX/XX/XXXX.
This Bank is practicing deceptive, illegal and immoral promotional practices to lure consumers in and charge outrageous fees.
|
| 12/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I contacted HSBC concerning payments not being applied to my account. The three payments were {$10000.00} paid XX/XX/XXXX, {$710.00} paid XX/XX/XXXX, and {$710.00} paid XX/XX/XXXX. All three payments were received by HSBC and I have an attachment to prove that they received the payments but did not apply them to my account. Each payments has a label suspense / unapplied. I spoke to a HSBC Supervisor and asked could she explain why my payments were not applied to my account. I informed the HSBC Supervisor why and where this money is being held and if she or someone else could explain. I informed the HSBC Supervisor that I sent a letter to the research dept and have not gotten a response. I asked her to get someone else to explain where my money is located and why it is not applied to my account. I informed the HSBC Representative that I was given a deferment in XXXX XXXX and it is not listed on the paperwork and the previous representative from HSBC asked me if I could prove that I made the {$10000.00} payments and the other two payments. I informed the HSBC Rep. that is the reason I paid you with a papercheck and sent it by certified mail. I wanted to find out why you were reporting to the credit bureau that I was two payments behind and owe {$55000.00}. I informed the HSBC Representative that when we started out the principal balance was a total of XXXX. The {$29000.00} amount included lawyers fees, insurance, and taxes that you paid. I wanted to find out why and how the amount get {$55000.00} and two payments behind. I called today XX/XX/XXXX and spoke to customer service and she gave me three balances : Principal balance XXXX Deferment balance XXXX, Escrow balance negative XXXX, and Corporate advances of XXXX. The total of everything added together is {$38000.00}. Im trying to find out how and why is the figure higher than what we started and where is my three payments that are in suspense.
|
| 04/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
HSBC recorded late payments to the three credit reporting bureaus for a credit card I have with HSBC. I rarely use this card, whose last four digits are XXXX. The dates of the two late payment notices that I am aware of are for XX/XX/XXXX, and XX/XX/XXXX. The two charges involved were a {$5.00} airport kiosk charge in XX/XX/XXXX, and a {$100.00} XXXX XXXX XXXX donation in early XX/XX/XXXX that was refunded to me when the XXXX XXXX XXXX participant did not reach her goal. I never received a paper statement or paper bill showing any amounts due for these two charges. Then in XX/XX/XXXX, I received a paper bill, showing overdue amounts, including late payment charges. I called HSBC and they said that they sent me electronic billing ( via email ) because I had signed up for electronic billing. I never saw any such electronic bill. Since I NEVER SIGNED UP FOR ELECTRONIC BILLING AND ALWAYS RELY ON PAPER BILLS, I was not looking to receive any electronic bill. After some negotiations and speaking with an HSBC supervisor at the HSBC collection department, HSBC agreed to remove the late charges, and remove the late payment notices from my credit reports. Although the late charges were removed, the late payment notations on my credit reports for XX/XX/XXXX and XX/XX/XXXX were never removed. I called HSBC customer service department and they said I owed them {$5.00} from XX/XX/XXXX. I paid the {$5.00}. However, HSBC still refused to remove the unwarranted late payment entries from my credit reports, thus damaging my credit rating which was over XXXX and is now under XXXX. Again, HSBC 's claim that I signed up for electronic billing is false -- I NEVER SIGNED UP FOR ELECTRONIC BILLING and never received any paper statements regarding the two charges discussed above, which is why I didn't make any payments. Thus, in all fairness, the HSBC late payment entries should be removed from my credit reports ASAP.
|
| 06/08/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
Back in XXXX my now ex husband and I had a 2nd mortgage through Beneficial HSBC. In XXXX my ex and I divorced and I was forced to file bankruptcy. During the bankruptcy proceedings beneficial wrote the debt owed to the loan off and closed the loan, note I did not request this they did this. I have not had communication with Beneficial in over 6 years until now. I 'm selling my home and Beneficial came up as a lien during this process. Beneficial never released the lien with the county. I have been in contact with Beneficial several times since XXXX XXXX, also my escrow officer has been in communication with Beneficial. We are getting the run around that this is being taken care of and expedited this was back on XXXX XXXX. We have requested to talk with managers and have been told we would receive a call back but this never happens. Today they told us they have submitted just today a lien release request to management this would take 7 business days and 3 weeks to send to our county to be recorded. We dont have another 3 weeks for an expedited service ...!!! The buyer signed papers XXXX XXXX but we can not close without the release. We are now facing that my buyer may not be able to go through with the purchase because of the time it has taken to close, we have had to do a lot with the buyers bank they are not patient anymore. This is causing great deals of frustration and stress. Very disappointed that we seem to not be getting anywhere with Beneficial, after all they never did what they where supposed to do 6 years ago and release the lien. They have been dishonest in communication to both myself and escrow officer and have XXXX integrity. I need help to get them to do as they said they would and be able to trust this will be done since this will be the 6th time I have been told its in review. I need resolutions this by this week, or it will cause economic damages to the buyer and to myself.
|
| 08/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My husband and I were behind on our bills as well as our mortgage. From the XXXX of our mothers, father and my husband a XXXX XXXX a year after filing bankruptcy back in XXXX. Our mortgage keep going up because had an adjustable rate never giving us a chance to catch up. So we applied for a modification early part of XXXX. There was info they needed from us to start the modification process. So each time I would fax something they would say they did not receive it. So I started faxing by way of XXXX to insure that I would get a confirmation stating that documents were received. According HSBC mortgage services they finally started reviewing the application. Meanwhile I 'm inquiring about our mortgage payment because we had not been making them, the representative says to me no you do n't make a payment while you are waiting for the modification department to approve or deny your application. Well we went to bankruptcy court XX/XX/XXXX to discuss the mortgage as well as potential increase in our bankruptcy payments, this occurred 3 other times with a HSBC representative being present. On XX/XX/XXXX, the representative from HSBC approved the modification as well as the judge. We received a letter XX/XX/XXXX stating what our new payment would be and date it would began XX/XX/XXXX and also modification actually started on XX/XX/XXXX. We did not wait, we made a payment in XXXX and XXXX. A couple of weeks after making the XXXX payment we received a letter stating there was a breach so they needed XXXX by XX/XX/XXXX or they will be foreclosing on the property. My husband called them and asked why did n't the XXXX go to rear of the loan and we do n't have XXXX. So the response was if you come with XXXX you can keep your home. Our question is, if we were approved in court where were the figures then and why did they send these letters after approval of modification and making our scheduled payments.
|
| 06/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Dear XXXX officers, I have a property originally financed by HSBC bank in XX/XX/XXXX and this loan was also modified in XX/XX/XXXX by the same bank. Recently, I refinanced my loan with XXXX XXXX XXXX in XX/XX/XXXX. There were two wrong charges posted to my account by HSBC. One for {$4000.00} and one for {$3700.00}. I was able to catch the first unjustified charge since it was stated in my monthly mortgage statement prior to my refinance in XX/XX/XXXX. However, the second charge of {$3700.00} was not revealed to me till exactly few days prior to my refinance closing date with XXXX XXXXXXXX XXXX in XX/XX/XXXX, under Recoverable Balance ( attachedXXXX XXXX XXXX XXXX XXXX Borrower Estimated Settlement Statement ). I must have closed the refinance, otherwise, I would lose the favorable refinance rate as well as advanced paid appraisal. HSBC stated that both charges are incurred due to my loan modification in XX/XX/XXXX!
I explained and disclosed HSBC loan modification agreement as it clearly stated all unpaid amounts up to loan modification had been summed and included in my final modified loan amount ( attached- Loan Modification Agreement, No.1 highlighted in yellow. Based on my explanation evidenced by the modification agreement, HSBC removed its first duplicate charge of {$4000.00} ( attached- HSBC letter XX/XX/XXXX ).
However, as soon as my loan was refinanced in XX/XX/XXXX, HSBC is not responding nor refunding its second unjustified charge of {$3700.00}. Since XX/XX/XXXX, I have actively pursued to resolve this issue amicably and directly with HSBC. However, it is inferred that not being their customer longer, I am not able to defend my rights further.
Therefore, I kindly seek your assistance to investigate this unwarranted charge committed by HSBC as soon as practically possible for you.
Thank you very much in advance and please let me know if any additional documents needed.
|
| 04/11/2015 |
Yes |
|
|
|
Web |
|
|
I have the HSBC Premier World MasterCard that has the HSBC Premier Rewards Program that states that I am supposed to receive XXXX point for every net dollar that I purchase with the credit card. However, the program is not correctly counting the points on my account and this is not the first time that I have noticed and complained about this problem. 2 years ago I had the same problem, I contacted the HSBC Premier Customer Service and they were able to fix the problem and correct my points balance, however, this time, I have contacted the same Customer Service and they keep saying that the balance is updated but it is impossible that this information is true and this is why : - My points balance on XX/XX/XXXX was XXXX points.
- In the period of XX/XX/XXXX-XX/XX/XXXX I had a total of USDXXXX in new purchases which means that I should receive XXXX new points.
- However, as of XX/XX/XXXX my points balance is XXXX points and I have n't used any points since XX/XX/XXXX, which means that in the period of XX/XX/XXXX I have only accrued XXXX new points.
- If I was supposed to receive XXXX point for every net dollar in new purchases and in the period of XX/XX/XXXX-XX/XX/XXXX I should have received XXXX new points based on my new purchases for the same period and I have only received XXXX points, this means that I am MISSING A TOTAL OF XXXX POINTS ON MY BALANCE POINTS.
I have contacted the HSBC Premier Customer Service by email, which they never responded and I have contacted them by phone, and after 1 hour long of waiting, they still have n't acknowledge the problem or even given me an explanation for why I am missing XXXX points.
This is not my first problem with HSBC Premier and it seems like that every time that there is something wrong with my account or any product that I have with this bank, I have to always find an outside source to be able to help me resolve any issue with this bank.
|
| 05/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Good morning.
I opened a credit card account with HSBC in order of transfering funds from a high interest credit card. I was approved and the transaction for such transfer went into effect on XX/XX/19. However I noticed that my high interest credit card never received the funds. A few days later I called customer service and I was informed that the funds could take up to 20 working days to take effect. I waited those days but I kept calling the company to follow up in the status. I began to notice that the authentication process could not recognize my phone number nor my PIN and I had to use internet banking everytime for authentication.
A month passed and I was charged $ XXXX because according to them the money had been transferred and I was late in the payment ; so, as they put it it was better to make the payment to avoid damages to my credit. I kept calling and at last they say that some information was wrong and that the transfer never took place. Moreover, they say that because more than 16 days had passed I was not eligible for the 18 month no interest. I refused to re-transfer the funds as the purpose of me opening that account was precisely the no interest for 18 months. They offered to reverse the transaction and refund my payment. Yet, on XX/XX/19 at XXXX XXXX I received an e-mail telling me that my payment was due. I called them back and they say that they were charging XXXX for fees involving the transfer and I was already late. I had no other option that to pay the remaining due for that fee on XX/XX/19. Still they are charging me a late fee of $ XXXX that expect to see it reflecting soon. I must add that no bill was either delivered or e-mailed and I only received a letter confirming the reversal of the transaction.
At this time that company can't answer why I can't be authenticated using my phone number which I used before with them, nor why my pin is not recognized.
|
| 01/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
In XXXX I lost my job and couldn't pay on an unsecured installment loan from HSBC. I had been making payments up until the point I lost my job so the balance owed was only {$2900.00}. It went into Collections where XXXX XXXX XXXX ( XXXX XXXX XXXX ) took over for recovery. They then put a judgment on me. I had signed a confession of judgment which I would it was my bill and made arrangements with them to take {$50.00} a month out of my check. This went on for 5 years from XXXX XXXX. I had paid them {$2700.00} over that time and they stopped taking money out of my bank account so I thought the bill was satisfied. It was only until this month XXXX when I tried to refinance my home that I found out they had put a {$4000.00} lien on my property. I called XXXX and tried to find out why. They had advised me that I defaulted in my payment arrangement by not recertifying with them to take money out of my account which I have never done for the 5 yrs they were doing it. They said I was sued ( with no notification or summons for me to appear in court ) and pre-judgment, post judgment plus other fees were added totally now {$4600.00}.
I was very upset since I cooperated fully with repayment and was doing my part to clear up this debt. I am also very upset that paying in good faith they could not settle the balance owed as paid in full as a lot of creditors do since the left balance was only {$280.00}. I tried to explain that I DID NOT default in my payment arrangements but THEY DID by stopping my payments. They were uncooperative as to helping me rectify this as I pleaded since the balance was only {$280.00} I would pay and they could take lien off and they told me they could not do that because now the creditor wants all their money. I am very upset and would so like to clear this matter up. I do not have {$4600.00} and feel THEY defaulted me and THEY SHOULD clear this up for me.
Please help.
|
| 04/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I applied for the HSBC Premier checking account and it was opened in XX/XX/XXXX. The offer was {$450.00} incentive after completing the prerequisites. I called HSBC on XX/XX/XXXX to understand why I had not received the bonus and learned the following 1. They failed to close a prior account in XXXX, have no record of it an in absent of my consent maintained an account 2. The system failed to automatically close the account after 5 years of inactivity departing from their own internally defined rules 3. They claim the link used to signup for the account was inaccurate despite my following instructions from their site directly, the offer still being currently available https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ # : ~ : text=after % 20account % 20opening.-, You % 20will % 20automatically % 20receive % 20the % 20 % 24450 % 20Welcome % 20Deposit % 20in % 20your, minimum % 20requirements % 20are % 20not % 20maintained.
The remedy I desire for this breach of consent, deceptive practices of failing to pay an incentive after reasonable efforts to resolve with a customer service representative and first line manager including 1. " The system can't be overridden '', 2. Acknowledging the system rules weren't followed for automatic closure and was in error as shown by statements post XXXX being inactive 3. Talking over customer, attempts to get call disconnected through long hold times with no clear end, making customer ask 3 times to speak to manager prior to being connected 4. repeating guidance that conflicts with their own written public statements " if a customer ever had an account with HSBC ineligible for incentive '' vs correctly stating from XXXX. The deceptive practices are consistent the broader trend identified in allowing for criminals to use bank to transfer funds and refusing to be forthright and honest in dealings with customers https : XXXX
|
| 09/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The mortgage service company refuses to reduce my monthly payments or interest amount due even though I have made extra payments to pay down principal. My outstanding principal on XXXX XXXX, 2005 was approximately {$360000.00}. I made {$25000.00} worth of principal payments on XXXX XXXX, 2005 and another {$1000.00} in principal payments on XXXX XXXX, 2005, but they refuse to recalculate the monthly amount due and have continued to charge interest on the principal amount of {$360000.00}.
They claim that they will make XXXX only adjustment to monthly payment amounts per year and will require notarized documents in order to do so. Furthermore, if I want to make additional payments against principal, I need to do it before the XXXX of the current month in order to go into effect 45 days later.
These are ridiculously deceptive practices. If I pay down the principal of my loan, they should not continue to charge me interest on the previous amount. Furthermore, they should not have to make me jump through hoops such as notarized documents in order to pay down a loan, nor should they hold on to my money for 45 days and still charge me interest on the principal.
I have filed a previous complaint to this effect. The company took 2 months to respond and basically told me they were going to follow the same practices as above. They provided no documentation to support their contention that it 's ok for them to hold onto my money and not reduce my payments. They claimed various " processes '' that take more than 6 weeks to execute, even though over the phone, the customer service person was able to compute a new payment amount in less than 5 minutes using a basic mortgage repayment calculator.
I would like them to repay the interest on the money they have held onto now since XXXX and allow me to pay down my loan and get the benefit of lower monthly payments, as should be the case.
|
| 07/13/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
On XX/XX/18, I initiated a wire transfer from my account as HSBC USA to my own account at XXXX XXXX in XXXX for {$35000.00}. I logged into my HSBC account and initiated the transaction using a template that I set up in XXXX when I successfully transferred {$70000.00}.
On XX/XX/18, the funds had not arrived. I contacted customer service and they confirmed that such a transfer should only take 1-3 business days. I was then told that my relationship manager had to provide additional information. This struck me as strange as I had no relationship manager ; had never been contacted by a relationship manager ; and that this was never a requirement in the past. Eventually, the representative took the required information on behalf of the non-existent relationship manager - the information was the exact same information as the wire instructions. The only additional information I supplied was the branch number, information that XXXX XXXX assured me was not necessary for funds to be delivered. HSBC said the funds would be wired that day.
On XX/XX/18, I called again and was told that there were security issues and system issue so that the funds had not been wired, but that they would be wired that day.
XX/XX/18, I called again and was given a series of excuses why the funds had not been delivered, but that an investigation was underway.
After XX/XX/18, the communication switched to email ( attached ). I have been emailing the relationship manager and customer experience team ( who is in charge of the latest investigation ), but all email responses have ceased since XX/XX/18. I have called both teams, but no one picks up the phone.
Conclusion : my account was debited on XX/XX/18 for {$35000.00}. As of XX/XX/18, the funds have not been delivered to my account in XXXX and HSBC is unable to tell me where the funds are. And HSBC does not respond to email or phone calls any more.
|
| 05/05/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
This company started calling me about 6 months ago and has progressed to the point where they now call me every day. They also call my parents home several times a week. They leave threatening and harassing messages claiming that there have been several cases of fraudulent activity attached to my social security number. They state that they will be filing XXXX charges in my county against me but that if I call them within 24 hours, that we can resolve the matter.
I have called this company back at the number they leave on more than XXXX occasions and have spoken with individuals who claim they attorneys working for a bank. I discovered that they are trying to collect on a debt that I had more than 10 years ago with a bank who had issued me a credit card. I had filed a chapter XXXX bankruptcy in 2009 in which this debt was included. I have all of the paperwork from my attorneys and the Court which clearly show this debt and also show that the information was sent to the bank. I have told the individuals from this company that I had filed bankruptcy and this debt was included. I have given them my bankruptcy attorneys contact information and have told them that it is illegal to contact me about this " debt '' and that they were harassing me and attempting to defraud me by making and repeatedly leaving messages regarding false claims against me. I have told them this over XXXX times that I have spoken with them. Since then, I have over XXXX recordings of messages from them. They are calling me every single day, sometimes multiple times a day and they continue to harass my parents as well. I have n't lived with my parents in over 35 years and why they continue to call them can only be for nefarious purposes. My parents have spoken with individuals from this company and have told them that I dont live there and asked them to please stop calling and harassing them to no avail.
|
| 10/08/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
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|
I reviewed a copy of my credit report on XXXX. The following account was added to my credit file with XXXX HSBC XXXX XXXX, CA XXXXThe debt collector falsely reported their name.
Section 807. False or misleading representations [ 15 USC 1692e ] ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
The name and address is registered to XXXX a debt buyer. The debt collector claims to be collecting a debt from HSBC. They are not HSBC.
The debt collector added this account to my credit report on XX/XX/XXXX without sending a written notice. To date, I still have not received a written notice, although the debt collector has verified all attempts to dispute with XXXX.
Section 1692g of the Fair Debt Collection Practices Act says collectors must provide notice to consumers within five days of the initial communication regarding the debt, stating the amount of the debt, the name of the current creditor, and explaining the consumer 's right to dispute the debt and to obtain verification. Failure to send a 1692g notice, is a violation of the FDCPAThis complaint is for record only as I would like the XXXX, CFPB, FTC and State Attorney General to be aware of this debt buyer and their illegal business practices. They are previously XXXX XXXX and XXXX XXXX. The registered agent is XXXX XXXX. They now go by XXXX XXXX XXXX XXXX, the registered agent is again, XXXX XXXX. Same physical address.
The debt buyer has violated several FDCPA and FCRA laws : No written noticeFails to identify as debt collectorCollects unauthorized fees, interest, or expensesMisrepresent debt character, amount or statusFalsely threatens illegal or unintended act
|
| 10/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
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Earlier this year, after being an HSBC Premiere customer for 13 yrs, I opted to close all my business and personal accounts and move to XXXX. I personally went into the HSBC brancXXXX on XXXX XXXX in XXXX XXXX, FL where the teller closed all the accounts, issued a bank check for the funds and assured me there was nothing more that needed to done from my end.
A few weeks later, the bank manager XXXX contacts me to let me know there are outstanding balances on the accounts that are accruing fees. I tell him its not possible as the accounts were closed. He shows me that they had in fact remained open. We proceed to close them again along with Credit Card account.
XX/XX/2021 -Found out my HSBC Premier Credit Card had not been closed as instructed and was accruing fees.
-Called HSBC Premier spoke, went through issues that had kept the account open without my knowledge, resolved the outstanding balances, brought the account to zero balance, and was assured the account was closed and that there was nothing further needed on my end.
-Account Closure CONFIRMATION in notes attached ( Call was recorded ) XX/XX/2021 -I was in the process of refinancing 2 properties. Mortgage agent called to say my credit score had dropped due to a delinquent HSBC amount. I told him it wasnt possible as the account had been closed more than 2 months ago.
Mortgage agent said a simple letter from the HSBC Bank Manager stating the error would suffice, and that he could send it to the Credit Bureau to rectify.
Detailed Notes of Daily Records Attached XXXX2021 After numerous calls to HSBC in an attempt to resolve the erroneous delinquency reported to the Credit Bureaus , my credit score has dropped from XXXX to XXXX. This has resulted in the mortgage company no longer able to refinance my 2 properties as the credit score is too low, which is now significantly impacting my business and livelihood.
|
| 09/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
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|
In late XXXX, I opened an additional savings account with HSBC Bank USA - called a Premier Relationship Savings Account. The Account is tied to the Premier Checking account I have had since XXXX.
The features of the savings account were that you would receive a much higher " relationship '' savings rate if in the previous month you completed certain tasks like make a direct deposit or use the debit card.
For many months I had my paycheck deposited into the Savings Account, and had always received the special savings rate ( far in excess of the basic rate ).
Suddenly in XX/XX/XXXX, I stopped receiving the high interest, and only received {$4.00} on a {$100000.00} balance instead of expected {$400.00}. This happened again in XX/XX/XXXX, and I only noticed both months ' issues in XXXX when I contacted HSBC.
I later learned that HSBC had made a mistake. I was a former employee of HSBC ( XXXX ) and they had coded my account as an " employee '' and it was only because of this code that I was receiving the higher rate. In fact, my deposits had nothing to do with it, because I accidentally had them made to the " Savings '' instead of the " Checking '' account.
While it seems I made a mistake, I was relying on the same actions from every single prior month, and of course, when suddenly the interest rates were much higher later in XXXX, HSBC seems to have turned my account off without notifying me.
HSBC claims I was properly notified of their mistake - and I never received ANY notification of their error - otherwise I would have reviewed all my actions and made sure that I was eligible for the higher rate on my own. By failing to properly notify me of their mistake, they cost me the opportunity to " fix '' what appears to have been my own misreading of their very confusing promotion! ( Who would have noticed that it mattered which account you deposited funds to. )
|
| 04/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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|
Yesterday, on XX/XX/XXXX, I noticed a significant drop in my credit score and conducted an investigation to identify the reason behind it. Eventually, I discovered a derogatory mark on my credit report that was caused by a credit card ( HSBC Bank USA ) that I had not used in three years. Since it was past business hours, I called the bank the next day to inquire about the issue. A representative informed me that the bank had undergone a recent buyout, and I had an outstanding balance on the card. However, I clarified that I had not used the card in three years and disputed the fraudulent charges that were made in XXXX. The representative advised me to contact the dispute team the next day and updated my mailing address, which was outdated.
The following day, I spoke to the dispute team and reported the fraudulent charges. The representative questioned me about disputing it to the credit bureau, stating that they had sent statements to the address. However, I explained that they had an outdated address and that I would have disputed it immediately if I had known about the balance. Eventually, the representative took the claim and informed me that it would take 60-90 days to review.
Further investigation revealed that HSBC had sent an email on XX/XX/XXXX, before the fraudulent transactions, informing me that my credit card would be closed on XX/XX/XXXX due to a sale to another service provider. On XX/XX/XXXX, I received another email stating that the date had been pushed to XX/XX/XXXX, which was around the time of the fraudulent transactions. I was not notified of the charges or provided with any statements.
In addition, I have an ongoing dispute with XXXX regarding the derogatory remark ( which is not on my XXXX and XXXX credit reports ). I have also filed fraud alerts with all three credit bureaus and submitted a complaint to the Federal Trade Commission.
|
| 03/31/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
HSBC USA Fraud Department denied my fraud claim without producing any evidence.
I Traveled to XXXX XXXX from XX/XX/XXXX to XX/XX/2019. I lost my wallet and my HSBC credit card ending in XXXX ; the card was NOT in my possession when it was used fraudulently on XX/XX/XXXX. I don't know who used it. It was used on XX/XX/2019 at XXXX de XXXX XXXX XXXX ; The total fraudulent transaction amount was {$2700.00} I contacted HSBC Fraud Security Center immediately after I realized I had lost it. I waited for the investigation and on XX/XX/XXXX I received a letter from HSBC stating that the claim was denied. I contact the security center to receive an explanation of the investigation and proof of the purchase, and they were very secretive. I finally ask to speak with the investigator her name is XXXX XXXX. She wasn't available, requested to have her call me back, never received a call. After multiple times calling and calling to get the documentation involved in this transaction and the investigation paperwork. I was told that they had not received the credit card receipt that they had requested multiple times and that the company where the credit card was used at hadn't send the receipt yet.
Then I asked why they are making me liable of charge that is fraudulent? the answer was because they feel the transaction wasn't fraud. I asked how they know I'm not telling the truth with no evidence backing that decision. They are avoiding to give answers and produce conclusive evidence of the investigation. I call and call and XXXX is never available.
I really need help. I was hesitant to use HSBC as my primary bank and now I feel I was right. They are discriminating me and I feel without evidence accusing me of using the card for my benefit. I need help with this company. I'm accused and liable of a credit card charge I didn't commit.
Attached is he police report.
Thanks
|
| 04/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
Servicemember |
|
I started a loan modification process with HSBC back I XX/XX/XXXX, due to a loss of income with my husbands passing. I received a phone call, saying I was approved, and I needed to make the first two initial payments over the phone that day. I did I paid {$1900.00}. for XX/XX/XXXX and XX/XX/XXXX. Since then I receive calls no paperwork just calls every to to three days telling me they are still working on it. I did make my XX/XX/XXXX full payment even though HSBC advised me not to. I decided to refinance simply because the rate is lower and I was tired of waiting. My financing is all approved and last week we did a conference call between XXXX XXXX, myself, and HSBC. On this call they stated everything was current and my balance was around XXXX. We requested that this would be faxed to XXXX and when they received the fax it shows a balance of XXXX and XXXX in interest plus it shows me default for XX/XX/XXXX, XX/XX/XXXX, and soon XX/XX/XXXX.
I contacted them. They said I had two deferred payments years ago, which I did and they are charging me 5,700 in interest on those two payments. The rest of the XXXX is my interest for non payment of XX/XX/XXXX and XX/XX/XXXX. They acknowledge they have my money for all three months, but now they are saying they will not apply it to my account for up to another six months, till the loan modification is done. So I will be in default till then, which will kill my credit. I asked to take me out of the loan modification and explained that I needed this refinance, and they simply said no, we can not. I have asked to speak to a manager, and was told there was no XXXX available to help me. Now when I call them or anyone calls them on m behalf, it disconnects them when they input my information. I have been XXXX up front with them since my husband passed away and all I am trying to do is keep my home and make my payment affordable.
|
| 09/21/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
On XXXX/XXXX/2016 I noticed a pending charge of {$200.00} dollars, but my bank does n't tell me exactly what the charge is until it clears. My bank is HSBC. On XXXX/XXXX/16 I saw that my account had been charged for {$210.00} to a restaurant in XXXX that I never went to. I reported the fraud to my bank and they told me to wait for a Fraud Claim Form. Two weeks later on XXXX/XXXX/16 I received a letter from my bank telling me that they have proof the transaction was authorized and they would not be reimbursing the money. I also received a different letter including the Fraud Claim Report. In confusion, I contacted the fraud department. I asked for the proof and they claimed that my physical card was used at the restaurant. They never provided me actual proof. I asked to speak to a supervisor and was told I 'd be called back. I never received the call. This whole process I have been made to feel like I am the guilty party. They told me I needed to file a police report in order to proceed further. However, they never told me that I needed a signed affidavit from the bank along with other paperwork. I had to go back and forth to acquire these forms including taking a whole day off of work. I did file a police report. Then on XXXX/XXXX/2016 I received a letter from the bank saying they would reimburse me. When I called the fraud department to clarify they told me a different department sent that letter and it was n't valid. I live pay check to pay check and this missing money has put me in financial strain. I submitted the police report to the bank and since then have heard nothing from the bank or any sort of time line as to when this would be solved. I do not appreciate being made to feel guilty, especially when there is no physical proof provided. They have rushed me to provide evidence of my innocence and yet made no attempt to prove I actually used the card.
|
| 09/17/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am in receipt of HSBC 's response regarding account number XXXX, dated XX/XX/XXXX. In their response, HSBC has the audacity to state, " While in operation, it was the policy of HSBC to conduct its business in full compliance with the letter and spirit of the laws and regulations of every community in which it operated and to adhere to the highest ethical standards. HSBC does not participate in, support, or condone predatory lending and servicing ''. Really ... ... ... In contrary, headlines state differently as evidenced by such : XX/XX/XXXX. HSBC agrees to {$760.00} million settlement with DOJ over pre-crisis mortgages Plus {$26.00} million settlement with Massachusetts. many of these loans were presumptively unfair under Massachusetts law because they had debt-to-income ratios over 50 %, included substantial prepayment penalties, had loan-to-value ratios over 97 %, and included other problematic features. Case in point account number XXXX. Beneficial 's solution ; sell these toxic mortgages to XXXX XXXX XXXX, XXXX and others and offload the problems. HSBC continues to insufficiently address my concerns with my parent 's alleged enforceable loan. They have yet to explain to me on behalf of my deceased parents how the legal description in the loan documents does not match the alleged security interest they sold to a third party to avoid further scrutiny. Not to mention, addresses, zip codes, credit reports, appraisals and title searches contain numerous errors. Fraudulent and predatory to the core. I demand an investigation into these matters. Who did they sell my parent 's alleged loan to? Why has an assignment not been filed? Does my parents have any obligations to HSBC or XXXX XXXX XXXX at this point? Has HSBC conducted any investigation into the defective legal description noted in alleged loans dated XXXX, XXXX and XXXX? What have they done about it?
|
| 01/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
HSBC offered a {$470.00} bonus when opening a new Premier checking account and making recurring direct deposits totaling at least {$5000.00} for three consecutive months from the second full calendar month after account opening.
I completed these requirements and received no bonus. I contacted HSBC directly via online messaging and received the following response : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear : Thank you for being a valued Premier customer and thank you for contacting HSBC Bank USA, N.A.
We understand your concern with this situation.
Upon review, we show the research into your eligibility for the promotion has been completed. We apologize but after review, we show you are not eligible to receive the promotion. The reason for this, is due to your account not being opened through the campaign landing page.
If you have proof that your account was opened through this page, please reach out to us either via XXXX XXXX or by calling our Premier Customer Service line at XXXX ( internationally at XXXX ) to provide this information. We can then reopen the investigation into your eligibility.
If you have any further questions or concerns, please don't hesitate to contact us.
For additional information on the products and services HSBC Bank offers, please visit us at HSBCPREMIERUSA.com HSBC has launched a new messaging channel for XXXX users! Messaging through your XXXX app is available at your convenience. It allows you to pause the conversation when needed and easily pick up where you left off. Try out the new feature www.us.hsbc.com/abc. We look forward to servicing your banking needs!
Thank you, HSBC Bank Mail Team -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Really disappointed in HSBC and this shady tactic considering the only way to apply for the offer is to click an Apply Now link directly on the offer page.
|
| 03/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
The HSBC bank every year rolls a promotion for new customers with bonus offer for opening Checking and savings account with new funds. I applied for advanced checking account by XX/XX/2019. My application was approved and money were funded to this account from my XXXX XXXX account. {$10000.00} were charged by authorizing transfer from bank account with XXXX XXXX. So by XX/XX/XXXX the online account was opened.
The applicant was to open a savings account to be linked and related to checking. The Bank, how ever, asked to get documents uploaded to confirm account address and State IDs.
I was told that they had not received what was required to activate the account. I received e mails from Fraud Prevention department to comply their inquiry. It was online account and there was no local bank branch to where I can approach. My efforts to reconcile failed.After six months, I made trip to New York to visit the Branch officer.
The officers were unconcerned. I provided documents and requested to upload to the fraud department. A month after, my visit to same branch, I found no progress. I was, how ever, told that I can withdraw funds and close the account.
I, was helped at tellers. I was given a check for full amount. I was told that the branch can't close the account since it was online account. I had to close online.
I started getting monthly fees for balance below required minimum in checking account.
I am getting several notices for overdraft and penalties in monthly statement in mail.
I was to get bonus of {$350.00} for new checking and savings account. I wrote to bank about this in emails. My requests were just ignored.
I was never given opportunity for savings account after checking account was approved.
I have come to find that several others were also complaining about Bank in various sites on media.
Thanks.
Sincerely, XXXX XXXX XXXX
|
| 08/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
My name is XXXX XXXX, My father, XXXX XXXX, passed away, XXXX XXXX, 2014. I have been living in his home for XXXX years taking care of him, until he passed. Also living with us where, my son, his wife and my Grandson. Upon my fathers death, I notified ( HSBC ) Beneficial, sent them death certificate, and explained to them I was willing to take over the debt with a lower payment, or do whatever what needed to keep this home. First they refused to speak with me. Then they have been requesting paperwork after paperwork, to which I keep faxing over and over. They keep stating they do not receive them. I have also sent the Executor paperwork and notarized relinquishment papers from all XXXX of my brothers. I gave them the Estate attorneys information, and they refuse to speak with the attorney. After all this time, they now tell me the home is in foreclosure status, without even notifying me in writing. But will notify me of a date to vacate the property. The only other thing they continue to tell me is " This is not your debt, this was your fathers debt, and you should not be responsible for it ''. My mother designed this home, my father built this home, and I was raised in this home. I gave up a home and property to come back to take care of my father, who was ill. I spent all of my savings to keep this place going. Now they wo n't even give me and my family a chance to keep it, now they want to throw us out on the street. All because " it 's not my debt! " They do n't seem to care that XXXX people will be homeless!
This is ridiculous, when I have tried to work with them for over a year to adjust payment, or get a new loan in my name to pay for this house to keep it in my family, and to keep XXXX people from being without a home.
Apparently, they like taking peoples homes and leaving them on the streets. This is not the AMERICAN way to do business people!
|
| 05/08/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
in XX/XX/XXXX I ordered my credit reports from the XXXX bureaus. from these reports I learned that there was an account in collections against me from HSBC bank. I contacted HSBC bank on the number listed on my credit report and was informed that this was a credit card debt. they explained to me that the credit card was opened in or around XX/XX/XXXX. at that time I explained to HSBC that I never had an account with them nor did I ever open a credit card from HSBC bank. They informed me that they would send my information and I would be contacted by their fraud department. after a period of time this did not happen I contacted HSBC again and was once again told that the fraud department would contact me. on XX/XX/XXXX I looked up the fraud department number and call them directly. I explained to a representative name XXXX my situation how I have never opened an HSBC Bank credit card and this was the result of identity theft. I explained to him that I had placed a fraud alert on all XXXX of my credit bureau reports.I explained to XXXX that I wanted this negative information removed from my credit report immediately that it was in fact a fraudulent account. XXXX explain to me that he could do nothing about it unless I filed a police report or contacted the Consumer Financial Protection Bureau. I contacted my local sheriff 's office about filing a police report however the local sheriff 's office said because of the age of the account it would not be worth investigating as most likely they could do nothing about it so a police report was not deemed necessary by them. I was informed by the sheriff 's office that it was not my right to have a report taken by them and that it was up to them to deem it necessary. I am now writing the Consumer Financial Protection Bureau to remove this fraudulent account from my credit report that was placed there by HSBC bank
|
| 10/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Let, me start by asking you to review closed COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 HSBC is bank debt scam with no intention of activating the credit card they approved me for without I, 1st agreeing to pay an activation fee when speaking to their fraud division who makes it a habit of leaving customers on hold for an average of 5 hours before answering the call. This bank is phishing for business financial information with number 3. Number 1, is proof of address.
Further more I will not again call or attempt do business with HSBC after being cursed out and remarks about my race being made. I applied for four different credit cards and was approved for all and can safely write HSBC is 100 % fake in every aspect of credit card activation, except fees & customer service does not exist. Please, tell HSBC to stop calling me as I have placed a security block with the credit reporting agencies to protect me from this type of bad banking practices.
( HSBC ) 1. Proof of Identification - acceptable forms of proof of identification are : a valid current Drivers License or passport.
2. Completed SSA89 Form ( attached ) The signature and date field must be handwritten for the document to be valid. Please include both pages when submitting back to us.
3. Proof of Address acceptable documents are : a. Utility bill from the last billing cycle b. Tuition bill c. SSA benefits letter d. An INS Notice of Action e. Letter from an Embassy or Consulate f. Mortgage statement g. Property tax bill h. College/University acceptance letter i. XXXX ( XXXX benefit acceptance letter ) j. Homeowners/Renters insurance bill/policy k. Account statement from a bank or brokerage, dated within the past three months l. Monthly statement of an established credit card from a major provider ( Visa/MasterCard/XXXX ) dated within the past three months.
m. Lease Agreement n. Paystub.
|
| 04/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I am filing a formal report against HSBC Bank because HSBC Bank has performed a wrongful derogatory remark against my credit reporting file without ever giving me a billing statement. There is a long and quite intensive correspondence to go along with this.
In the month of XX/XX/XXXX HSBC promised to remove this derogatory mark from my credit report. After having gone through our entire case in extensive detail they said that there was a submission to both XXXX and all the other credit reporting bureaus to remove this derogatory mark. HSBC stated that this would only take 30 days to occur. Now it is two months later, and the derogatory mark was never removed from my credit report. HSBC has agreed to remove this as they have also removed the late payment fees from my credit reporting balance. I am submitting this complaint to request that HSBC take the most speedy actions to remove this derogatory mark. As it has been over two months in request, I can no longer wait forever for no performance to push for this action to be taken in my favor.
If HSBC does not take action to remove this within the next 15 days or follow up with me within the next 15 days, I will be suing the company with a court summons. I was told and informed that yet again they will want to take up another 30 days to extend and prolong the process for an investigation. This is unacceptable and illegal. This lack of action that HSBC has not taken to perform on their promise has left me in both economic stagflation as well as stopped me from being approved for other economic benefits that would work for companies that I am in the ownership of.
This is ridiculous and malignant. {$17.00} to keep an account open should never have cost me so much in economic grief. This one-act cost me XXXX points on my credit reports. There will be dramatic legal action taken if this is not fixed.
|
| 08/25/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
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|
Hello in XXXX of 2015 I submitted a web application that said I was preapproved for a basic checking account with HSBC. I was then declined. Customer support said I needed to hard pull my own credit report and then send it in to them for a deposit only basic checking account. After several weeks I then called them with my credit report and they said that instead I needed to reapply. I reapplied and received another pre approved status. This after several more weeks was declined again. They said that it was because they thought I would use it for business purposes. This was obviously false. I needed XXXX factor web banking and a bank that I could physically walk into a branch internationally if necessary. I had numerous other checking accounts in good standing as well. I have never mismanaged a deposit account and I have excellent credit.
I then reapplied for HSBC premier. This was then forwarded to security and fraud based out of the XXXX subsidiary. They requested additional documentation that deviated from their stated acceptable identification. I supplied what they asked for anyway. HSBC then failed to communicate with me and apparently allowed my application to expire stating they were unable to verify my identity. My documentation exceeds XXXX requirements.
Previously I moderated XXXX and have an extensive track record of accurate predictions regarding financial, economic and geopolitical events. This includes but isnt limited to every major fed QE and rate decision since the financial crisis, the recent pullback in XXXX, numerous XXXX decisions and many others. The fact that a preapproved basic checking account is being declined for someone who has never mismanaged a deposit account and has excellent credit undermines confidence in HSBC 's ability to competently conduct basic banking activities and the security of its current deposits.
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| 05/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX, received a call from a representative who was working on behalf of HSBC to tell me I owed money on a credit card that I opened in XX/XX/XXXX. I had 90 minutes to respond to the initial call or they would proceed without speaking to me. The initial amount was {$880.00} and was now at {$6600.00} due to interest and late fees. I advised that I did not open a HSBC card in XX/XX/XXXX and the only ones I did have were included in my bankruptcy in XX/XX/XXXX ; which they knew about, but this card was not a part of that. The card in question ended in XXXX. When I searched old credit reports, this card does not appear on any credit report. They advised it wouldn't be on a credit report as it was put on hold, then transferred or sold to XXXX XXXX. The only HSBC card I had that was transferred, was in XX/XX/XXXX and included in my bankruptcy. They wouldn't listen, they were just trying to do their job and collect my debt. They were willing at this time to offer me a settlement of {$1300.00} ; yes or no, couldn't think about, had to decide at this time. I also had to provide them with a credit card to pay. I advised I didn't have a credit card with me, they said they would put a hold on my bank account until I was able to provide my credit card info but I had to respond by XXXX. I advised I wasn't going to give them any bank or credit card info over the phone. I also advised I had never received anything in writing and they said I was lying, they have sent out multiple notices to me regarding this. When I asked them what address they sent the notices to, they asked me to verify my address, I again asked them to verify my address and they refused. When I refused to pay and they refused to send me notification in writing, they advised they would pursue a judgement against me, have my wages garnished and possibly arrested for credit card fraud.
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| 02/17/2017 |
Yes |
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Web |
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I 've recently contacted the merchant in regards to the travel voucher that I 've purchased in XX/XX/2015 via my Credit Card. I was informed that the purchase was charged back and the voucher is invalid, the merchant advised me to contact my bank to clarify the situation. I 've contacted my bank for further information, I recall initiating a dispute it was never completed as I never received the credit back so I thought that the travel voucher remained valid since then. I 've been contacting back and forth between the merchant and my bank since then trying to resolve the issue. Finally, the merchant provided a document that is to approve the charge back. I 've forwarded it to my bank hoping that they will provide me a resolution ; however, they continuously advising me the information that I already know.
1. The credit did n't credit to the account 2 years ago 2. this charge back pass the time range to initiate the dispute as it 's 2 years ago I 've been trying to contact my bank further for the explanation on why my bank did n't complete the dispute when the merchant already authorized / approve the charge back. The merchant had already expressed that they ca n't assist me any further after providing me the related document and advised me that the money is no longer in their account.
I do n't know what else I can do in order to resolve the issue anymore as my bank only advises me that the credit never arrived to my account ( which i knew by basically reading the statement ) and the transaction was long time ago ( which i knew as well so that I raised the dispute 2 years ago ) yet my bank never advised me of the rationale of the incompletion of the dispute i raised 2 years while the merchant agreed to charge back.
Now I have paid XXXX USD and I do n't get to have my vacation ; neither my bank nor the merchant was able to assist me further
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| 04/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have received several phone calls from a company called XXXX XXXX over the last few weeks stating they are attempting to collect a debt. When the calls come it is not a real person on the phone it is a prerecorded message it doesn't indicate who the call is for it just is telling me to visit there website or call them back, but they never leave a phone number to call them back at. when they called on XX/XX/2022 the call went to my voicemail so when i listened to my voicemail I had the option to call the number back that called me which was an automated system asking me to enter my SSI # which i did not do as I don't know who this company is. After calling them back and since that time they have been sending me text messages demanding me to go onto there website or call and make a payment through their automated system. There are 3 agents send me text messages XXXX, XXXX and XXXX. After asking multiple times who this debt is from they finally stated that it is from HSBXXXX ( which I have not had an account with HSBC for XXXX years ). I contacted HSBCXXXX and they stated that they have no collection case that they have turned over to XXXX and that they are not a client of XXXX. I was directed by HSBC XXXX department and the fraud department to ask for a Validation of Dept. I have asked for this several times from all 3 XXXX rep and have been told me that they will not provide this to me until I provide them with payment. The phone numbers that are texting me are XXXX, XXXX, XXXX & XXXX. The phone numbers that have been calling me are XXXX, XXXX and numbers that come up as scam or XXXX ( scam Likely ). The Rep XXXX keeps stating that I am stalling by asking for a Validation of Debt and that he is escalating this to the bureaus. He has stating in his messages that once he does this it would effect my credit and abilities to get future loans.
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| 04/05/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
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I XXXX XXXX, made an international wire transfer of USD XXXX from HSBC USA on XXXX of XXXX. It has been mentioned in the receipt that money will be paid to beneficiary until XXXX XXXX.
Wire Transfer Details : Confirmation Code : XXXX Transfer Type : International Wire Sender : XXXX XXXX Transfer Date : XX/XX/2022 After making the wire transfer I called to HSBC USA on XXXX XXXX onwards almost every alternate day. But until XXXX of XXXX the money has not got transferred to the beneficiary.
I kept on calling HSBC XXXX even after XXXX of XXXX and the only status they told me is money on hold. On XXXX XXXX when I was again calling HSBC USA the representative said they need some information, so I provided information.
I kept on waiting for the transfer to happen but to no avail so I requested to cancel the Wire transfer on XXXX XXXX. I kept on calling continuously for the update on cancellation but none of their representative give any reply other than Money is with HSBC XXXX.
When i ask for the status they don't even have proper call logs or notes to even check the last status.
I am feeling highly stressed, this is a big amount for me. HSBC USA is not even returning my money and playing blame game that we don't have any information as the money is in HSBC XXXX.
I gave my money to HSBC USA and they should return my money on cancellation as this has been so many days they are holding up my money for no reason and earning interest on my hard earned money and not taking any prompt action for refund. I am following up and they are not doing any needful action. I have invested tons of hours into this but HSBC USA have created a joke of my case.
Its creating so much XXXX, XXXX and XXXXXXXX XXXX on me and my family.
I am looking forward for your help to resolve this matter and help me get my Wire transfer money back to me as soon as possible.
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| 03/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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On XX/XX/XXXX I was charged {$4400.00} on my then owned HSBC Bank Debit Card. The charge was from the merchant XXXX XXXX XXXX XXXX. I contacted HSBC immediately about the fraudulent charge on my debit card. They reversed the charge opened a dispute and issued me a temp credit while they investigated the matter. I was issued a new debit card and was told by a rep that i needed to wait 60 days for the outcome.During the dispute they allowed XXXX XXXX XXXX XXXX charge the new debit card two additional times in the amounts of {$2200.00} and {$220.00}.
After the dispute was resolved HSBC withdrew the temp credit, saying that XXXX XXXX A Car provided documentation proving that I had rented a car and was liable.
I requested that HSBC send me the documentation that they had as proof. Upon receiving the documentation ; the documentation didn't not contain My Name, Identification or Signature. It had a completely different name, ID and signature. I contacted HSBC immediately to make them aware that the documents they had as proof didn't contain my Name, I.D, or signature. Another dispute was opened and I was told to wait another 45 days. At the end of that dispute I was still held liable. I was told by HSBC to contact XXXX XXXX A Car to have them reverse the charges. When I contacted XXXX XXXX XXXX XXXX they told me they didn't have any account with my name so there was nothing to reverse.
I have contacted HSBC dozens of times about this matter. But have been unable speak with anyone who can resolve this matter. I even was promised to be contacted back dozens of times. And to date I still haven't received correspondence.
On XX/XX/XXXX I received a debit collection letter from XXXX XXXX XXXX XXXX to collect a debit on behalf of HSBC in the amount of {$6700.00}. This debt is Fraudulent and there is current court proceeding that has been pursued.
|
| 10/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
Older American |
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HSBC CREDIT CARD ending in XXXX now ending in XXXX ; On or about XX/XX/XXXX I received a paper statement showing that the entire credit limit of {$5000.00}. was used. I called and notified HSBC that this was fraud. I had not used my card for anything. The HSBC is a backup emergency card that I do not use. They informed me they would cancel that credit card and send me a new one ; which they did. The letter from HSBC acknowledging the unauthorized use on my card was dated XX/XX/XXXX with the new card, received on XXXX XXXX or so. I then received a 2nd credit card statement with a balance owing of {$210.00} and a due date ( DD ) of XXXX XXXX, XXXX. I called HSBC fraud team again and informed them that these were not my charges and repeated I had not used my card. They said they would remove these fees and charges of the $ XXXX fraudulent cash advance. Then I received a 3rd cc statement stating I had an amount owing of {$220.00}, with additional fees and charges on the original and subsequent fraudulent charges, fees, and interest. I called HSBC on Sun, XX/XX/XXXX and repeated these were not my charges. I was told I would have to call back between M-F XXXX CT. I have called the HSBC fraud team today, XX/XX/XXXX again and asked them to remove these charges. Again they inform me that it will have to be investigated. One fee of {$96.00} was for the check written for the {$5000.00}. How could they even authorized going over my credit limit of $ XXXX? I am sorry but enough is enough. These are fraudulent charges. Further, HSBC had reported late payments to the Credit Bureaus affecting my credit score and these are not even my charges. How can I get HSBC to stop billing me for fees and charges that are not mine? How can I get HSBC to correct their late payment reporting to the credit bureaus? How can this situation get rectified? Thank you.
|
| 11/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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I received promotional mail to open HSBC advance account, by XXXX XXXX, 2019 keep $ XXXX for 90 days and receive {$370.00} in 8 weeks after meeting the 90 day rule. I followed the instructions - there was option to apply online at : us.hsbc.com/earn375 - I applied on XX/XX/XXXX and received the below confirmation however I still have not received the {$370.00} welcome deposit ( last call XXXX XXXX, 2019 ) and HSBC is declining on the basis that I have not applied on the advertised website. However when I applied I received confirmation on XXXX XXXX, 2019 : " You've completed the online application ... You will automatically receive the {$370.00} Welcome Deposit in your new HSBC Advance checking account within eight weeks after completing all qualifying activities. Its that simple. '' HSBC is ignoring my attempts to provide them with evidence of the mail promotional material or the application ID as they say their system does not allow to attach snapshots or I can't e-mail customer service due to security concerns, they also can't put me in touch with Marketing or any of their managers because the person who took my case is the one who need to talk to me but he is never available for the last 20ish days. I brought the mail to a HSBC branch and asked the rep to photocopy it and attach it to my case, he did make a copy but could not find out where to attach it because noone responded to his query. I called multiple times to ask how to provide this evidence for their investigation but they don't know how to respond and generally waste your time on the phone, l have called 5 times already, and it takes 15-30min on the phone to get another promise someone will call me in 48 hours and first noone ever calls, it has been 6 days so far since the last call and I don't really think they need to call just deposit the money. It's that simple.
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| 11/30/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
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My name My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with HSBC Bank in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( XXXX ), I am requesting that XXXX ( who say the own the account ) provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX ( XXXX ) days of their receipt of this request.
Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft.
Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( b ) ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.
Sincerely XXXX
|
| 06/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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In XXXX 2016 it was announced that Pennsylvania, as well as other states and commonwealths had reached an agreement with mortgage lender HSBC. I am a homeowner whose mortgage was serviced by HSBC since I purchased my home. I have heard no news or updates on this agreement since the announcement in XX/XX/XXXX. I was particularly interested in the section of the agreement that pertained to the loan modifications, which included principal reductions and refinancing for underwater mortgages. For years, I attempted to get assistance through HSBC to refinance at a lower interest rate than the 6.79 %, which I still currently have on my loan. HSBC offered a series of loan modifications, which lowered my monthly payments, but did little to lower my principle balance.
Last year, this modification resulted in over {$14000.00} being applied to interest only on the loan, while the principle balance only decreased by slightly over {$4000.00} during the year. Since HSBC would not refinance and did not participate in any Government sponsored relief programs, I am still stuck with a higher than average interest rate and still slightly underwater My concern about this agreement grew deeper when my loan was suddenly transferred to a new third party loan servicer effective XXXX XXXX, 2016. Is this loan transfer part of the agreement stipulations or is HSBC seeking to shed some loans to lessen the impact of the settlement? Given HSBC 's history of questionable business practices, it would not surprise me if the latter was attempted.
During my prior inquiries, I was informed that HSBC would be in contact with their customers regarding this settlement. Since they are no longer the mortgage servicer of my loan are they still responsible for this follow-up?
I would appreciate if you could review this correspondence and follow-up on my concerns.
|
| 04/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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I applied for HSBC checking account on XX/XX/XXXX. I received email on XX/XX/XXXX that my application was approved.
I applied because HSBC was adverting on XXXX and other websites that I can get {$350.00} dollars if I : Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening and Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance I completed both requirements but I did not receive promised {$350.00} bonus.
I called several times customer service and also email them and chat through there online website, but so far they completely ignore my requests for bonus.
I called XX/XX/XXXX and the hsbc person promised to send my complain to back office and told me someone will get back to me from back office. When I called back 2 weeks later on XX/XX/XXXX the new customer service told me that previous customer service did not make any notes about my complain and back office do not call customers, that she lied.
Now it been 2 more weeks after I made new complain and no reply to me not receiving promised {$350.00} bonus.
Also it took them 2 months to send me debit card because according email they send me : " Dear XXXX XXXX, Thank you for submitting an online application with HSBC Bank USA, N.A.
Between XX/XX/XXXX and XX/XX/XXXX, HSBC experienced an application error that resulted in your ATM or Debit card selection to be missing from your application. We are contacting you as your application was impacted. '' Also they were withholding taxes from monthly interest, I had to go to branch to correct that.
HSBC should be investigated for their online applications system not working properly and not giving promised bones for opening new checking accounts.
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| 10/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I am reaching out to file a complaint regarding a recurring and deeply concerning issue I am experiencing with HSBC Bank. This matter pertains to the unwarranted freezing of my assets and accounts on XXXX separate occasions, with the most recent incident being triggered by a mobile deposit of {$4000.00}.
Details of the Issue : Repeated Freezing of Accounts : Despite being a diligent customer, my assets and accounts with HSBC have been frozen twice. This severely impedes my ability to access and manage my own funds, leading to considerable stress, inconvenience, and potential financial implications.
Lack of Communication : There has been minimal communication and transparency from HSBC 's end regarding the reason for these freezes, especially when the recent trigger was just a standard mobile deposit.
Reason for the Complaint : While I acknowledge the importance of stringent security measures to prevent fraudulent activities, it is alarming to face such drastic actions from the bank for routine transactions. This recurrent issue raises critical concerns about the reliability and efficiency of HSBC 's banking processes. As a customer, it is paramount for me to have consistent and unrestricted access to my funds without unexpected and unexplained hindrances.
Resolution Sought : Immediate review and rectification of the freeze on my HSBC account.
A detailed explanation as to why this has recurred.
Measures taken by HSBC to prevent such issues in the future.
In choosing HSBC, I was influenced by its reputation as a leading international bank. However, these recent experiences have deeply shaken my confidence. I believe the CFPB 's intervention is crucial to ensure that financial institutions like HSBC maintain a balanced approach between security measures and respecting customer rights and access to their assets.
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| 02/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I opened an account with HSBC in XX/XX/2008 and have been a customer since then.
Apparently when my account goes into overdraft money is automatically pulled from a line of credit from HSBC. When I go into overdraft I always have cash added to my account within days to cover more than the overdraft. When money is added to the account, they do not automatically pay off the credit line until after they reported the delinquency to the bureau. In the meantime, there is no indication when logging in on the account online that an account is past due or anything.
However as I was not even aware that they opened that line of credit and that it would work that way. I was assuming that they would either decline overdraft transaction or allow the overdraft and any subsequent transfer of cash would cover any negative amount.
Recently, I went overdraft and they funded it with that line of credit, without me being aware of it. As the line of credit balance aged, I was not mailed anything regarding the delinquency. I also was not warned they would report the delinquency to the bureau, all of this while my account actually had more than enough money to cover the amount due. They ended up reporting me to the bureau and I found out about the delinquency in my credit report! I was not even made aware of it by HSBC. When I log in online, I see no notification of any pending delinquency. The worst part is they manually transferred money from my checking account to cover the delinquency AFTER they reported me to the bureau. So they apparently could have paid off the amount due without causing me any lasting damage.
This is a clear UDAAP issue as I am being deceived in the way that my checking account works, I am not notified properly as this line of credit ages and they actually the ability to pay off the amount due before the damage.
|
| 10/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
On XXXX XXXX, I saw and adverstisment from HSBC for opening an HSBC Premier Checking and get Up To {$700.00} Bonus payable at 3 % of the direct deposit up to XXXX each month for 6 months.
I then clicked on the promotion page, and I applied with application ID : HSBC Bank USA, N.A. account application Application ID XXXX I received this : Were writing to let you know your application for a new HSBC Premier checking account was declined because were unable to verify credit references ( XXXX XXXX ).
I then contacted the bank. I was told to unfreeze my account, and they will fix it. I was told that I would be eligible for the promotion as long as I meet the requirement.
I then follow the same instruction and link after removing freeze from my account. With the customer service help, I got a new application ID : New HSBC Bank USA, N.A. account application Application ID XXXX.
After 4 days, I received an email with : Welcome to HSBC Bank USA, N.A. Your online application to open a new HSBC Premier checking account has been approved.
I call the bank on XX/XX/XXXX, XXXX XXXX OUT ( XXXX ) XXXX. They confirmed my application and promotion. I waited for the time frame required to get the promotion, and I didn't see it. I call the bank on XX/XX/XXXX, XXXX XXXX OUT ( XXXX ) XXXX. I asked why I have not received my bonus offer. The customer service rep told me that he looked at my account, and usually, I should have received it in the 4th months after opening my account, but he will submit a ticket. I called today, and I was told that after reviewing the account. I am not getting paid base on the bank internal policy. this is outrageous because I follow all instructions, and I had customer service help me with the application. I was also told multiple times that I was eligible, and I need to wait. Now I am told no.
|
| 11/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
In the beginning of XXXX 2017, I opened an Advance Checking account with HSBC in order to meet their requirement for {$350.00} account opening ( {$10000.00} or more direct deposit ). After selecting the middle option on their application website I arranged for the direct deposit to commence. Subsequently I was welcomed by HSBC welcome messages referring to generic " HSBC product '' until XX/XX/XXXX when the first notification of Choice account was made followed by the paper statement. Since I did n't apply for Choice account I contacted the HSBC overseas call center CS center to find out why was the account switched without my previous permission or knowledge. After a long wait ( about 10 min ) the CSR for checking stated that the issue is with online dept and not theirs and then subsequently transferred me to the non-working extension.
When I called again and spent again about 15 min on call I was told that it was me that selected the Choice checking despite meeting the conditions in regards of the Advance checking. I was also informed that any changes in account status will automatically disqualify the bonus leading me to the conclusion that the switch has been done on purpose.
Questions : 1 ) Why any notifications sent out by HSBC prior to commencement of the wire deposit were referring to the generic HSBC product and not advance checking?
2 ) Why the account representatives overseas are not authorized to address issues such as this as this is the basic customer service function?
3 ) If the HSBC is the ultimate decider of what product customers are allowed to choose why it did n't send out the notifications to that effect instead of arranging the account deposit and then downgrading it to the different product in order not to pay opening bonus ( it was confirmed by HSBC representative to that effect )?
|
| 07/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American, Servicemember |
|
I went overseas the XX/XX/XXXX thru the XX/XX/XXXX. I informed HSBC Bank that I was doing such, and that I would be taking and using both my advance card as well as the premier card in XXXX. On the XX/XX/XXXX, I, and family and friends went to a big department store to purchase items for them..total bill was {$290.00}, to my surprise at the register with all looking both of my cards were declined. Again the same day, we went to purchase food for the babies, as well as ourselves and again both cards were declined.
I called the card people and spoke with supervisor XXXX who advised me that the caards are both in good shape, order and standing, and both paid way ahead. I asked her then why declined?? She proceeded to say it was a chip in the card and or the stores computers did not work. REALLY!!!!!!! She apologized and said that both cards are ok to use.I waited two days then went to purchase at a very exclusive jewelry store a bracelet for my lady, and WOW ... ... again declined, my daughter had again to pay cash for this as well as the other two stated above. Again I called these folks and this supervisor now advised me that their was a big robbery, fraud investigation, worldwide breach, and theft at the corporate level and all card were being declined.
Back to NYC, I called and spoke to XXXX XXXX, who apologized and advised me to proceed with whatever I wish to do.
On XX/XX/2019, this same card was used six ( 6 ) times by criminals in Maryland and Conn. and out of the 6 times the card was used the great HSBC Bank approved the criminal activity and yet this senior citizen is having to fight to get justice from this fortune 500 company to try to get his money back to reimburse his daughter to be who paid for this banks stupidity, negligence, and ignorance, on a card that was well ok from the very beginning
|
| 02/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
This is about a fraudulent ATM transaction in the amount of {$500.00}. This occurred on XX/XX/2018. I have previously contacted HSBC and the CFPB about this issue. The response I received from HSBC stated I need to contact their fraud department to get this resolved. Okay, so I contact them and after going through all the hurdles ( Im XXXX, have to use XXXX XXXX ), Im finally put in touch with XXXX I think his name was. He was rude and made it sound like I was a criminal. I said I was calling about my claim and all he said was Your claim is denied. Then finally he says I need to file a police report to get the claim approved. Okay, now they never told me that was required when I filed the initial claim. So I go to the police station to file a report and the officer tells me that its been a month since the fraud occurred and refused to file the report. Again, HSBC never told me a police report was required. The officer then tells me that its a civil matter anyway between HSBC and myself. Now, in the response from HSBC in regards to my first complaint to the CFPB, they said that my claim was denied because the card ending in XXXX was issued to me, the card was present during the transaction, and the PIN was used. Okay, thanks Mr . Obvious! Of course the card was issued to me. They just denied me by repeating exactly what Im complaining about!!!! As Ive explained to them umpteen times, the card is no longer in my possession. It was obviously lost/stolen. How they got the PIN number is anybodys guess. The fact remains, I DID NOT MAKE THIS TRANSACTION! I shouldnt have to jump through this many hoops to reclaim my stolen funds. Its obvious that HSBC is just trying to get out of honoring their zero liability policy. That policy is a joke. Ive never been treated so poorly by a bank, or any company for that matter.
|
| 07/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
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|
On XX/XX/2020 ( Monday ) at XXXX XXXX, I went to see a banker at HSBC USA XXXX XXXX XXXX branch to open a checking and savings account. So, I did spoke to a banker and my checking and savings account were opened. He then offered me to apply for a credit card. I told him that I don't have SSN/ITIN and credit file in the USA and my application might get rejected since I am a XXXX XXXX and I live in XXXX. He said it is fine to proceed with the credit card application since he can verify my identity by going personally to the branch and also the fact that I am already a HSBC customer in XXXX. I handed to him my XXXX passport and my HSBC XXXX debit card as my ID documents. It was a paper application and he let me sign and dated it. He also mentioned that since I don't have a US credit file they will use my bank history with HSBC XXXX.
A few days later, I chatted with a live agent when I logged-in to my HSBC USA online banking to check my accounts and asked the agent about an update of my credit card application. He checked it for me and told me that it was declined. It was very disappointing.
I was expecting that they would consider my application since I am a first time customer of HSBC USA and a long time HSBC customer globally in general. I hope that the account opening team would have considered my application based on the factors mentioned above. They should have given first time customers a chance to use the credit card responsibly. Furthermore, I am not sure, however, they might be doing this because of the COVID-19 issue and is very stringent on giving out credit cards. They should have reviewed it manually rather than computer based decision. In my opinion, the decision was not fair enough. They have misjudged my application. I emailed my banker about this issue, however no response up to now.
|
| 09/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I sent a credit card payment of {$200.00} from my XXXX XXXX XXXX XXXX account to my HSBC card. HSBC sold the card to XXXX XXXX XXXX XXXX and closed my HSBC credit card. On XX/XX/XXXX, after XXXX hours after I sent the payment in, I realized I sent the payment to the wrong company, so I called HSBC to see if they would transfer it to the new card. I was told it would bounce back into my bill pay account within XXXX hours. I waited & nothing was returned. I called XXXX and they told me the same thing should happen, but it may just take a little longer. I called XXXX XXXX XXXX and they had not received the payment from HSBC. I contacted XXXX again and filed a claim, but they said they could not help because my money had been successfully sent to HSBC in the past and HSBC accepted it, there was nothing else they could do. They did provide me with the proof of payment, transaction # & time/date of acceptance of my payment by HSBC. It was accepted by HSBC at XXXX XXXX on XX/XX/XXXX. I started a claim with HSBC and faxed in, approximately 5 times, the information XXXX gave me on the payment, so HSBC may properly research the claim. HSBC never asked for proof of purchase or other identifiers or pertinent information, but I've insisted on giving them what I had. HSBC claims every single time that they don't have my payment. I have continued to call them once a week for the last 6 months and they claim they never received the {$200.00}. I have called and gone into XXXX bank at least 5 times and they try to help, but say they have a new software system since XXXX & are unable to help. I'm at a stalemate with BOTH big banks and I'm missing {$200.00} in the digital world between the 2. I would appreciate your help. {$200.00} may not be a lot to them, but it is terribly important to me. Thank you!
|
| 08/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX HSBC bank at the behest of XXXX XXXX XXXX XXXX XXXX has completely frozen my account. According to The Exempt Income Protection Act of 2009 If any funds are restrained, the bank, within two business days after receipt of the restraining notice or execution, exemption notice and exemption claim forms, must serve upon the account holder the exemption notice and two exemption claim forms by first class mail to the account holders last known address. The exemption notice explains to the account holder that the account has been restrained, that certain types of funds are exempt and the procedures for releasing an account, including the types of documents that will be helpful in demonstrating the existence of statutorily exempt funds.
As of XX/XX/XXXX such documentation has not been provided to me.
More importantly the first {$XXXX} in an account can not be frozen.
The new law creates a {$XXXX} cushion for debtors who don't receive government benefits or assistance. In particular, the law prohibits banks from executing, levying, attaching, garnishing, encumbering or restraining an amount equal to or less than 240 times the federal or state minimum wage, which ever is greater, except to the extent a court determines is not necessary for the reasonable requirements of the judgment debtor and his or her dependents. The amount of this exemption is currently {$XXXX} but is scheduled to rise to {$XXXX} on XX/XX/XXXX and in accordance with the minimum wage thereafter.
If a restraint was placed illegally it can not be enforced.
Banks may not charge the account holder a fee if it is served with a restraining notice and the bank account can not be lawfully restrained OR IF THE RESTRAINT IS PLACED ON THE ACCOUNT IN VIOLATION OF THE LAW.
https : //www.dfs.ny.gov/legal/industry/il090120.htm
|
| 02/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Beneficial applied two monthly payments in the XXXX of 2014 to the month of XXXX 2014. They have sent us their accounting records that show that they made this mistake but they refuse to rectify the mistake. On XXXX XXXX, 2014 they completed a reconciliation of our account and their lawyer informed the federal bankruptcy judge that our account was up to day. On XXXX XXXX, 2014 after completing another reconciliation they told the XXXX Attorney General 's XXXX that our account was up to date. Between XXXX XXXX, 2014 and XXXX XXXX, 2014 they were paid a total of {$10000.00} which was more than enough to cover 6 months of payments ( XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) of {$1700.00}. On XXXX XXXX, 2014 they sold our mortgage to XXXX. Not only did they not tell XXXX that we were paid through XXXX, they told them that we were a month behind. This caused us to incur late fees. They seem to think that XXXX can fix their mistake. XXXX CAN NOT FIX A MISTAKE THAT BENEFICIAL MADE! Beneficial needs to be held accountable for stealing a customer 's money. This is a heinous act and they need to be punished. After many requests they sent us their accounting records of our mortgage. THEIR OWN RECORDS SHOW THAT THEY MADE A MISTAKE IN APPLYING THE PAYMENT TO THE CORRECT MONTH. Apparently no one at Beneficial Customer Service can read and understand XXXX. Nor can anyone decipher their own accounting records. PLEASE make every effort to find someone at Beneficial that can read and understand XXXX and can also understand their own accounting records. I DO NOT WANT TO HEAR THAT THEY BEAR NO RESPONSIBILITY TO FIX THEIR MISTAKE BECAUSE THEY SOLD THE LOAN TO XXXX AFTER THEY STOLE OUR MONEY.
This information is also being shared with the NYS Attorney General 's Office and the federal bankruptcy court judge of the XXXX.
|
| 04/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
on friday XXXX XXXX i was trying to make a transfer from my account to my sister through XXXX, and it kept on declining, i received a text from my bank asking me if i was trying in make this transaction i replied yes i received another text stating that i need to contact my bank fraud department at XXXX which i did they confirmed if i was trying to make this transaction and i confirmed it, the gentlemen ok im going to unblock the card and tried it again 5 minutes, i tried it again and once again it didn't go through i received another test asking to contact the fraud department, i called again and they once again said to try it later, i explained to them that this was urgent that i had family emergency and i was sending my sister money through XXXX, she stated-that everything was fine and that i shouldn't have any problem, i explained to her that my father was very ill and i would be traveling on saturday and i wanted to make sure everything was fine, i gave it some time and i once again gave it another try to send the money to my sister, and once again it declined i was told at that time that my card had been placed on a temporary hold by the security department and that their department was closed until monay and there was nothing that they could do, i begged them to please do something as my father was very ill. and their replied was that they could not do anthing, i was no able to catch a flight or transfer money to my as my card was disable, my father passed away on saturday night, and i was not able to be there, due to not having any of my funds aviable, i have contacted them this morning and all they could say is that someone has to call me back, i am still waiting, this is not acceptable, i never received a call a ect or email notifying my that me card was going to be on temporary hold.
|
| 12/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
On the evening of XX/XX/2018 I discovered that was unable to login to my HSBC USA online account.
I called the bank 's customer service number. Their phone system verified my identity through my phone number, account number, voice print, and last 4 digits of my social security number. Customer service told me that my online access is blocked. They refused to tell me why I was blocked. They refused to tell me my account balances, claiming that it would be a breach of security to tell me my balances, even though my identity had already been verified by the phone system. They insisted that in order to restore access, I needed to call the security department at XXXX during their business hours M-F XXXX - XXXX EST.
I called the security department at XXXX EST on XX/XX/2018. After I identified myself through the automated system, I was put on hold for 9 hours, by which time I got a recorded message telling me to call back during their regular business hours.
A representative from the bank 's customer service also tried to call the security department but never got a human response.
On XX/XX/2018, I again tried to call the security department, but again, I got put on hold.
When I complain to customer service that no one at the security department answers, they tell me they can't help me. They insist that I must call the security department, and then they transfer me to the security department which never answers.
Meanwhile, I am still unable to login and the bank denies access to all my funds on deposit, which include a checking account and a savings account.
The bank has my phone number, email address, and mailing address. Yet I have not received any communication from the bank informing me that my online access has been blocked. I only discovered the blockage when I attempted to login.
|
| 12/20/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
XXXX is claiming I have past due credit card debt with HSBC, They claim if I do n't resolve it, I am being sued for wire fraud. They left me several messages. Two of the messages that were left on XX/XX/XXXX and XX/XX/XXXX claim that if I do n't resolve this debt, I would be sued for wire fraud.
I spoke to XXXX XXXX from XXXX XXXX XXXX on Tuesday, XX/XX/XXXX. He stated they were trying to contact me about an alleged past due credit card debt with HSBC. He said he could settle the debt that day for {$900.00} and the balance owed was {$1500.00}. He also said if I did n't make a payment arrangement with them, the balance owed would be {$6900.00} with interest and court costs.
I then asked XXXX if he was a law firm. He said, no we 're litigators. He said if I did n't pay, I would be taken to court. I then asked him what attorney was handling this case. He claimed he had a whole network of attorneys that they worked with, but could not provide me with a name. He also claimed I was being sued for wire fraud.
I do not believe this company has the authority to take me to court, and I do not believe past due credit card debt can be considered wire fraud. The statute of limitations for credit card debt in Arizona is six years. They are claiming the debt was charged off XX/XX/2008, therefore this debt is time-barred. I believe this company is a fraud. To my knowledge, this company making legal threats that they have no intention of carrying out is illegal. It is not standard practice for an attorney, or anybody that is in the debt collection business to claim I am being sued for wire fraud over credit card debt. I also do not believe this company works with any attorney whatsoever, and I severely doubt they have the authority to even collect these debts. Please investigate this company. Thank you.
|
| 03/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
HSBC ( formally Household Finance ) has been a thorn since I purchased my home. It was predatory XXXX loan that eventually had an interest rate that exceeded 13 %. I eventually got a modification and have been paying my note on time since XXXX that included a 36 month payoff of taxes and insurance they said I owed. I paid the extra from XXXX through XXXX ( XXXX XXXX payment to the ancillary was for {$590.00} and even higher amounts as noted on XXXX page of the " house note log '' included ) even after I received a letter XXXX XXXX stating it would be placed on the back of the loan per government regulation. I wanted to be done with it so I paid it off. In XXXX I received my new mortgage amount based on my lower escrow cost and by XXXX I received another letter stating that I would pay {$100.00} for lender advanced taxes that I had already paid off during the XXXX 36 months of the modification. I have kept all my payments and letters from them but it will take time to put the years together. When I called to inquire about this they told me that I still owed over {$3000.00} and had only paid ~ {$300.00} which is not true. This company appears to be attempting to swindle me out of funds I really do not have. I have sent them a letter requesting my loan activity since XXXX which will of course not be sent to me before my house note is due on XXXX XXXX, XXXX. This is causing me a hardship since I live on a fixed income. They have also added several fees to my loan over the years. They show all sorts of late fees and other fees I know nothing about that appears to be padding the loan and they do not show my statement on line. Any assistance you can give me will be appreciated. Thank you * I did send a request to HSBC but the date ways XXXX rather than XXXX as the start of the modification payments.
|
| 06/30/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I have saved voicemails from someone calling from an unknown number saying that they are from the county process service department and have a failed attempted to serve me at the location on file, this matter requires my immediate attention and I need to contact the issuing office at XXXX and reference the case number provided. The call ended with " you are in jeopardy of missing your court date, consider yourself notified! ". The XXXX voicemail said they have a XXXX failed attempt to serve me and my sister and we are in jeopardy of missing the court date as well as in jeopardy of getting a failure to serve. I have no idea why this `` county process service department '' is looking for a matter that would involve both me and my sister.
I called the phone number XXXX and have was hung up on XXXX times and told I was playing games and disgruntled ( because I told them that if they werent recording the call i was going to ), before getting information from someone on the XXXX call, which I recorded. When answering they stated different names for their " firm '' ; XXXX and Legal office of XXXX XXXX. The account they referenced is was one that I have been disputing for years because it was fraud ; I did not open the account, someone else did. It is currently in dispute status and past the statute of limitations in my state.
The `` county process service department '' also called multiple family members who have texted and called me worried about me because it sounded like I am facing a serious legal issue.
I spoke with XXXX attorneys that stated this business is not legitimate, it is a scam. Neither of the lawyers could find information on this " law firm/business '' I searched for hours attempting to find information on their company and all I could find was information on a company in XXXX.
|
| 05/29/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
|
|
I received the check. My name was spelled wrong it caused every major bank to deny my check deposit I ended up going to a XXXX where I ended up spending over {$2000.00} in fees due to a mistake on the end of hsbc. I want the check to be reissued by hsbc with hsbc funds due to this careless frustrating headache Ive endured for over half a year. I want them to resend the {$20000.00} to me using their money because if it wasnt for them I wouldve never experienced any financial hardship. That video I sent should count for some type of evidence against them in my claim. I have been wronged and I expect to be redressed immediately. There has to be some kind of consequence for corporations that break the law. I suggest the federal governments all over the world seize and control all financial corporations to make sure they all follow the rules to ensure the safety of the corporations and especially the consumer. Nobody is above the law I mean nobody.
I have proof of being mislead, misinformed and, I also have proof of hsbc denying me my inalienable rights deliberately for capital gain. I deserve to be redressed and hsbc deserves to be disciplined for the inadequate unacceptable shoddy workmanship I have endured. Nobody is above the law not even banks. I do not deserve this type of treatment. I should never be deliberately victimized by anyone especially hsbc or anyone like them overly for capital gain. Im forever scarred from multiple banking experiences involving these majors corporations breaking the law for capital gain. I honestly want millions of dollars. I mean I know you guys cant give me legal advice but I do believe in America and Justice I do also believe the cfpb will not stand idle and let this type of corporate corruption affect innocent unwary American civilian in any way
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX
|
| 06/26/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I believe that the HSBC bank is needlessly engaging in conduct that enables identity theft. I have not to my knowledge been victim of any fraud yet, but I feel I need to escalate this, since it is my impression that a large number of customers could be exposed through this leak.
The issue is this : HSBC asked me for my mother 's maiden name, and SSN upon opening my account, and asks for them when I call them on the phone, all of which is of course customary. However, what I discovered is that having logged in on their online banking website, the browser shows me my mother 's maiden name, and the last four digits of my social security number ( on the " Apply for Credit Line '' subpage ). There is no reason for the website to show that information to me, on the contrary, if a hacker manages to get a key-loger on my computer, to lift my login and password, they would be able to leverage the HSBC leaking my last four of SSN and mother 's maiden name to be able to impersonate me on phone calls to HSBC or other banks.
I am not familiar with the law, but I would expect it to state that one can not propagate personal information of customers except if there is good ( business ) cause, of which there is none here. Also, I would expect that banks are under obligation to make a good faith effort to verify my identity, if they get a phone call from me asking to make a wire transfer, but I can not see how HSBC can claim that asking for my mother 's maiden name satisfies that obligation, when their website leaks that piece of information to anyone with a keylogger.
I have pointed this out to HSBC representatives in no uncertain terms, but the response I got was that they would " pass on '' the information to their web development team, without acknowledging the seriousness of the situation.
|
| 08/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
HSBC Beneficial offered to enroll me in their " Skip a Payment '' program for the month of XXXX 2008. I accepted and asked multiple times in person in the XXXX, Virginia office if I needed to make a payment. They told me no. I asked them again if my account was still okay when I went into the same office and inquired about refinancing my home loan through them. They said it was still in good standing. I declined their offer for refinancing my house when they said it was going to have a XXXX percent interest rate. I also asked them if it would alright for me to make both my XX/XX/XXXX payment, which was n't due at the time, and XX/XX/XXXX payment two weeks later. Again, they told me that it would be fine and that my account was still in good standing. Two weeks later, I get a letter from HSBC Beneficial and XXXX XXXX XXXX instructing me to not go into the office and that my account had been turned over to collections. I originally thought this was in retaliation for declining their home refinance offer. It was n't until 3 years later of dealing with XXXX XXXX XXXX that I found out HSBC had charged me for the month of XXXX 2008 and treated it as a non payment. This also coincided with the company I worked for, XXXX XXXX, entering the final month of liquidation thus negating the " account protection '' for which I had been paying for years. XXXX XXXX 's closing was made very public and it seems convenient for HSBC to put my account in collections the same month. Apparently, the account had changed from the XXXX, Virginia office to the XXXX, Virginia office in XXXX of 2008. Again I did n't find this out until many months after discussing options with their collections agents XXXX XXXX XXXX. They told me in person that my account was in good standing and still sent it to collections
|
| 02/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I believe you reported inaccurate information about my account to XXXX and XXXX Reporting Agencies. I am asking for you to correct the inaccuracy of a late payment on my account.
This is due to the U.C.C. 240.10b-10 ( a ) Disclosure requirement. It shall be unlawful for any broker or dealer to effect for or with an account of a customer any transaction in, or to induce the purchase or sale by such customer of, any security ( other than U.S. Savings Bonds or municipal securities ) unless such broker or dealer, at or before completion of such transaction, gives or sends to such customer written notification disclosing : ( 1 ) The date and time of the transaction ( or the fact that the time of the transaction will be furnished upon written request to such customer ) and the identity, price, and number of shares or units ( or principal amount ) of such security purchased or sold by such customer In the Attached documents I only Receive the billing statement after receipt of a Late Payment Statement.
This Can not and will not stand as the bank was requesting funds after taking legal action without providing me a chance to have made the payment.
Thus, there is Not Form of Offer, Acceptance, Or Consideration taking place. Instead, your bank is not upholding its responsibility to present the payment contract to receive payment.
This is a much bigger problem because payments can not go to collections without attempting to reach me to receive payment.
The Only reason I Initially used the card was, to accept the option to the card to stay open and maintain my relationship with HSBC. Now I am experiencing greater detriment as a result. This is also reflected in the correspondence.
This was for an initial purchase of a Low {$36.00} purchase, by which has since been paid in full.
|
| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XXXX is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. The HSBC BANK USA XXXX account reporting on my credit report as Closed is incorrect, inaccurate, and false. Additionally, the impact of the Closed account as a Charge-off and Balance is reporting wrong credit utilization. The HSBC BANK USA XXXX account reporting on my credit report as Charge-off is further incorrect, inaccurate, and false.
XXXX responded " Trade : HSBC BANK USA XXXX THIS ACCOUNT IS CURRENTLY REPORTING AS CLOSED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY. '' I did not sign any such credit contract agreement with HSBC BANK USA XXXX containing my full social security number and accurate signature where I granted permissible purpose for a credit application and to Open an account with HSBC Bank USA XXXX that would be enforceable to Verify, Close, or Charge-off an account with a Balance in my name to be reported on my personal credit report.
HSBC BANK USA XXXX has no right nor authority to transfer or sell this account to XXXX XXXX XXXX, to enforce payment from me, or to collect on a debt owed to HSBC BANK USA XXXX. XXXX XXXX XXXX fails to validate how debt is owed by me to HSBC BANK USA XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. XXXX XXXX XXXX has no right to collect any debt for this account from HSBC BANK USA XXXX that was transferred or sold.
|
| 02/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened the HSBC Advance checking account on XX/XX/2019 because I got a mailer advertising a {$200.00} bonus if I deposit at least {$10000.00} for some number of months. I don't remember the exact number of months, but it was at most 6. I satisfied all the requirements but never received the {$200.00} bonus. I've made several attempts to resolve this issue by directly talking to HSBC representatives via a chat service on their website. Below is a brief summary of my conversations with them : [ unknown date, first time using their chat service ] Talked with XXXX She opened a query with ID XXXX and said to check back later.
[ XXXX ] I talked with XXXX.
I gave full name, account number, last four digits of social, and application ID.
They said to use the same query ID, and to check back in 3 - 5 business days.
[ XXXX ] I talked with XXXX.
He asked for a personalized invitation code.
I said I didnt have it because the mailer was old and I dont have it anymore.
He said that the notes say I am eligible for the welcome bonus. But not how much that bonus is.
He said hell send an email to the concerned team, and to wait 2-3 business days.
[ XXXX ] I talked with XXXX.
They asked for a personalized code regarding the offer. I said I dont have it anymore.
[ XXXX ] I talked with XXXX She said they sent me an email and were waiting for my reply. I was not told to expect an email. I could not find their email. I asked them to resend it. I still have never received such an email.
-- end of log -- At one point, they told me to expect a letter in the mail, but that never arrived. I never got an explanation why I haven't received the bonus. They keep telling me they sent me either a letter in the mail, or an email. I never received either. I double checked my spam filter.
|
| 02/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
CFPB closed my complaint based on a letter that was later mailed to me, from XXXX XXXX, stating that {$25.00} had been deducted from my account. This was not disclosed to me during our conversations. This was not disclosed in any way, in fact, until after the account was closed.
XXXX XXXX 's letter refers to the Terms, and describes this as an " Early Closure '' fee that was part of the Terms, however, the account was not closed early.
First, contrary to XXXX XXXX 's implication, the Terms allow, but do not require this fee.
Second and more importantly, " early closure '' is within 180 days ( see attached secure message from HSBC ). I opened this account on XXXX XX/XX/XXXX. I funded it on that same day via XXXX XXXX transfer. After a few days, when that transfer had not been credited to my account in violation of HSBC terms and relevant law, I complained, and in the end, HSBC did finally credit my deposit, retroactively, another unlawful act, but putting the funding date as XXXX XX/XX/XXXX ( see second attachment, statement with date account opened and funded ).
As per XXXX XXXX 's letter, the account was closed on XXXX XXXX XXXX.
Whether counting from the date the account was opened ( as required by the Terms ), or when it was funded, in either case 180 days elapsed in XX/XX/XXXX, about a month before the account was closed. Indeed, after HSBC, in one of many messages exchanged via the secure message center on the HSBC app, informed me that if I closed the account within 180 days of opening it I could be assessed a {$25.00} fee, I deliberately waited until the 180 days had elapsed before taking further action.
HSBC apparently assessed the fee anyway, without notifying me at the time, without notifying me before doing so, and without any basis for doing so.
|
| 03/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I first attempted to open up a premier checking account online, which is required in order to qualify for a bonus XXXX {$600.00} ).
Account was not opened, reason ; unable to verify my identity.
Called the bank for assistance and was given misleading inaccurate information and was told to reapply after 48 hours.
Checked all 4 of my credit files to make sure the information contained within was accurate as suggested by HSBC representative.
Waited the 48 Hours as was suggested to reapply on XX/XX/XXXX, with the same results ; declined unable to verify identity. Tried again 1 hour later adding an additional product savings account, decline same reason. Call back again was told to wait 72 hours, it was suggested that the system was Auto declining me.
Waited and called them again for assistance, received the same scripted answers, transferred multiple times ( 3 ) with no results. not one representative was able to assist me. Called back the department designated to assist people with XXXX on XX/XX/XXXX. Was able to speak to a representative who tried help. He was very frustrated receiving the same conclusion. he could not provide a complete explanation on why the decline was happening.
He was going to check out my options, but has not contacted me back to me in the timeframe he stipulated.
The bonus program I was applying for is expiring XXXX XXXX.
I won't be able comply with the requirements because of The bank 's Discriminatory practices prohibited me from opening this account. They offered no Accommodation for me. They offered a product bonus with no intent to honor the offer. Unlawful business practice. They used Discriminatory barriers to prohibit customers verification through other lawful methods.
Application ID # s ; XXXX, XXXX, XXXX, XXXX
|
| 08/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
During the week of XXXX I attempted to add my wife as a joint tenant owner of my already-existing HSBC checking account XXXX. Did this while calling XXXX. The phone agent asked for my wife 's social security number and phone number. The phone agent tried to send my wife a code to her phone, but that process failed for unknown reasons. One agent said that my wife would need I needed to speak with credit reporting agency XXXX. A supervisor man who I spoke with on XXXX as called from XXXX said that there was No remote route to having a joint tenant added if their phone & social security number entry process failed. But no agent can tell us why the process is failing. A person can go into a branch, but there's no HSBC branches near me and my wife.
HSBC utterly and absolutely refuses, to add my wife as a joint tenant owner of my checking account XXXX.
HSBC refuses to accept mailed-in identification verification of my wife. A phone agent supervisor told me today that mailed in info on this front, will not sufficient and will be rejected.
HSBC can not tell my family why my wife 's phone number can not be transmitted to verification-wise.
HSBC is a highly unfriendly, and hostile bank. Hostile to married couples. Hostile to families. Hostile, in general. And unhelpful. And rude. Iron fisted, and a brick wall.
Attached is a letter I have mailed to the CEO of HSBC North America. However I doubt this letter shall have any effect, but a phone supervisor already told me that mailed in info on these fronts will go nowhere and have no effect.
HSBC refuses to add wives as joint tenants to checking accounts.
When the adding process doesn't work, they have no workarounds, or even explanations as to why things don't work. They offer nothing but obfuscation and a brick wall.
|
| 04/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
HSBC did not pay a welcome offer that was made when I applied for a checking account.
I applied for an HSBC Premier checking account on XX/XX/XXXX using an hsbc.com webpage that advertised a " Welcome Deposit offer for eligible new customers '' of {$750.00} with a new HSBC Premier checking account and qualifying activities that required : 1 ) Opening the account online by XX/XX/XXXX.
2 ) Make recurring direct deposits totaling at least {$5000.00} from a 3rd party to the HSBC Premier checking account per calendar month 3 ) Receive monthly direct deposits totaling at least {$5000.00} into the checking account for 3 consecutive calendar months from the second full calendar month after opening.
The terms stated that I would automatically receive a {$750.00} Welcome Deposit approximately eight weeks after completing all qualifying activities.
My application was approved on XX/XX/XXXX and I my employer has made {$5000.00} direct deposits every month beginning XXXX, XXXX. The third such deposit was made at the end of XXXX, XXXX and they continue to this date.
I contacted HSBC shortly after the 3rd direct deposit and inquired via message about the welcome bonus. The representative confirmed that I had made 3 qualifying deposits and that I would receive the welcome bonus approximately 8 weeks later and additional review. In inquired two more times since then and on the last inquiry, I was told that the HSBC Campaigns and Promotions Department would investigate. Finally, on XX/XX/XXXX -- - nearly 3 months after I completed the requirements, they notified me that I did not qualify because my application was not submitted via the required webpage.
I have tried contesting with them and offered a screenshot of the webpage I used to apply, but they have remained firm.
|
| 05/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
On XXXX XXXX, XXXX, I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX for {$160000.00}. The loan was evidenced by a Security Deed, '' naming XXXX as the " Lender '' and XXXX as the " grantee, '' or beneficiary, of record acting solely as nominee for same. The Loan was one of those Adjustable Rate Mortgages ( ARM ). I did n't want this kind of loan I had good credit but was told at the time that I could be put in a fixed loan at a later time. On or about XXXX XXXX, XXXX my loan account was transferred to HSBC. My monthly note kept getting higher and higher until I was having trouble making the payments. I reached out to HSBC and requested a loan modification. Their representative told me that I did not qualify for a modification unless my loan account was in default. Up until this time my loan account had never ever been behind. So HSBC had me pay a forbearance XXXX XXXX XXXX ) for months under the pretense of giving me a loan modification. I in turn, made each and every payment as agreed. Instead of the loan modification that we initially agreed upon, HSBC restructured my loan. They, however, never informed me that my loan account was being restructured. In the end, I still could not afford to meet the obligation. When I had gotten behind on my payments and finally sent the payments in, the payments were returned to me. I called and talked to various HSBC staff as to why my payments were being returned and because it was at this time I discovered that what I had been given was a restructuring of my loan and not a modification. Well nobody would help me. I did n't agree to a restructuring of my loan account but was lead to believe that what I was getting from HSBC was a loan modification. In XXXX XXXX, HSBC performed a foreclosure on my home.
|
| 05/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/XXXX, I applied for an HSBC Advance Checking account.
The account was advertised on the HSBC website with a {$200.00} welcome offer after qualifying activities. I applied for the account by clicking the advertised link on the HSBC website. On XX/XX/XXXX I completed the qualifying activities, which consisted of a series of direct deposit/payroll transactions.
The welcome offer contract ( attached below ) specifies that I would receive the bonus " approximately eight weeks after completing all qualifying activities. '' When the welcome offer was not received as expected, I contacted HSBC via BankMail, their direct messaging service. I contacted them on XX/XX/XXXX and received a reply 16 days later informing me that " we regret to informed you that as per the investigation Team confirmation, your account application doesn't link any cash offer.
However, if you have any screenshot for proof of your application ID and supporting evidence, you may provide to us, so that we may forward to the campaign and Promotional Team further assistance. '' There is no means provided of sending screenshots or supporting evidence to HSBC.
Several follow up messages -- providing HSBC the requested application ID and requesting instructions on how to provide them with the requested supporting evidence -- went unresponded to.
On XX/XX/XXXX I was finally told " We have received your BankMail inquiry with regards to the bonus offer not credited to the account. Upon review the investigation raised is rejected as there is no offer linked to this account, as per the terms for advance checking bonus offer {$200.00} mentioned below ... '' The bonus is now two months overdue. HSBC has failed to honor its obligation and also will not communicate with me in a timely manner.
|
| 02/15/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
In XXXX, XXXX, I pulled my credit report and found an account I was not familiar with that was in collections with a company named XXXX XXXX XXXX. It stated that it was a closed credit card account and the original creditor was HSBC. On XXXX XXXX, XXXX, I sent a request for debt validation to both XXXX XXXX XXXX and HSBC regarding this account. XXXX responded on XXXX XXXX, XXXX, stating they could not validate the debt and would instruct the credit reporting agencies to remove the XXXX account from my credit report. HSBC never responded. In XXXX, XXXX, the credit entry by XXXX was not removed, the creditor name was changed to HSBC and noted as a Charge Off. In XXXX, XXXX, I filed a police report for identity theft with the XXXX County Florida Sheriff 's department regarding this account. I supplied this report to the credit reporting agencies XXXX, XXXX and XXXX in a formal dispute of this account. XXXX and XXXX removed HSBC from my credit report after fulfilling their own dispute validation processes. XXXX continues to report HSBC on my credit report and states it has validated the debt each time I have disputed it with them. On XXXX XXXX, XXXX, both HSBC and XXXX were sent letters from me. The HSBC letter was a second debt validation request and it included copies of the first request sent to them, XXXX XXXX XXXX response and the identity theft police report filed in XXXX, XXXX. XXXX included the same copies, with a letter requesting a full investigation of the debt. Nine days after XXXX opened the formal investigation, the closed it stating the debt was validated. Meanwhile, as of XXXX XXXX, XXXX, HSBC still has not provided the validation I requested. This account is not mine and I am struggling with the creditor and XXXX to properly validate the debt.
|
| 03/24/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
I began my mortgage refinance on XX/XX/XXXX with HSBC. At the time my mortgage balance was {$270000.00}. My XX/XX/XXXX payment of {$2500.00} had not factored in and so the HSBC representative initiated the refinance paperwork with the XX/XX/XXXX balance of {$270000.00}.
The following month HSBC had XXXX service the loan. This added a third party to the process and caused delays that resulted in my interest rate of 2.94 % extended twice since the delays were not my fault.
For the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made 4 payments of {$2400.00}. ( I stopped making the extra payments towards the principal during the refinance process. ) In total I made 5 payments totaling {$12000.00} before closing on my refinance on XX/XX/XXXX. This brought down my balance to {$270000.00}. When the HSBC representative called me to inform me of my closing date, I realized I was n't supposed to make the XX/XX/XXXX payment. He said I would have my XX/XX/XXXX payment refunded.
When XXXX mailed me a " Payoff Refund '' check in the amount of XXXX, which arrived on XX/XX/XXXX, I realized this amount was roughly the difference between the starting balance ( XXXX ) and the closing date balance ( {$270000.00} ). I understand that based on the amortization schedule the 5 payments totaling {$12000.00} would only cause the balance to drop by {$3800.00}. I do n't have an issue with that.
However, to keep the loan at {$270000.00} requires that I make an additional {$12000.00} in paymentsto bring down the balance to what it was on my closing date. This amounts to a hidden fee of {$12000.00}. Is this legal? The balance could have been revised to the closing date balance. ( A colleague of mine told me that is what his bank did with his loanwhen he refinanced. )
|
| 08/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
1.On XX/XX/2018, I received a telephone call from my relationship XXXX at HSBC Bank USA where XXXX had been a customer for over 18 years advising me that she had been instructed by the Compliance division of the bank to " exit the relationship '' and that it would be closing my accounts on XX/XX/2018. The full back ground which appears to have led to that decision is summarised in an e mail dated XXXX XX/XX/2018 which I sent to XXXX XXXX XXXX, my Relationship XXXX at the bank. A copy of that e mail is attached to this complaint.
2. For the reasons which are fully set out in my e mail to XXXX XXXX I was wholly bemused by the decision. But I am aware that the decision can not be challenged, nor can I be advised of the reason for it. So I shall have to make alternative banking arrangements.
3. But I regard the amount of time afforded to me to make alternative banking arrangements - seven working days - as wholly impossible to achieve. All banks have KYC procedures and I am aware that these can take between fourteen to twenty eight days to conclude before an account can be opened. So the time scale for closure specified by HSBC will leave me without a bank for as a minimum a period which I estimate to be three weeks ; and will inevitably result in : a ) regular payments from the account I have mandated to third parties being unpaid, resulting in, among other things, a negative impact on my credit score ; and, b ) regular payments into the account being bounced back, since given the inadequate period of notice for the account to be closed, I shall not have time to re route these payments to the new account 4. I have requested that the bank extend the period for closure for a minimum of period of a month. To date they have not confirmed they will do so
|
| 11/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had two credit cards with HSBC credit card services ... ..one of which HSBC for some reason showed I had a XXXX balance online for several months, only to reportit as charged off, in which I contacted them to inquire, and they made an error on their part, and said they would fix the credit report error and restore the account so I could continue making payments. I attempted to log in and was unable to setup payments, sent them an email, only to have them AGAIN report it on my credit as a charge off. Contacted them AGAIN, only to have them admit error again, and they would correct everything, in which they sent me a response issue was fixed, I log in to my account to attempted to make a payment AGAIN, and unable to do so, and I send them another email advising I'm unable to setup a payment online, and a few days later, again they reported a charge off on my credit report ... ..to which I sent them an email, and haven't heard back at all..
I have all email correspondence, screenshots showing the balance was XXXX for several months, and screenshots showing records on the same account showing it was charged off three times within 6 months. I'm currently seeking legal counsel as this has impacted my ability to apply for credit to purchase a home, and caused multiple credit cards to increase my interest rates, causing me further financial stress, which has caused stress, resulting in XXXX XXXX XXXX and several trips to the hospital with the cost of prescriptions, and potentially damage to my long term health as a result. I don't care how many of the best lawyers they have, I will unleash this information on every media outlet online and post names of the individuals from emails who said they would fix the issue but failed to over and over and over again.
|
| 06/16/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX, Vice President, Head of Customer Relations XXXX XXXX, Senior Vice President, Head of Customer Experience This is in reply to a XX/XX/XXXX letter from XXXX XXXX XXXX, HSBC Vice President, Head of Customer Relations. I have attached a copy of that letter.
1. The letter stated that the Share the Experience Bonus of {$100.00} was already credited to my account. This is incorrect. The {$100.00} promotional bonus posted on XXXX XXXX, XXXX to my account was, in fact, for a second referral, XXXX XXXX, and she likewise got her bonus already. I have verified this with XXXX XXXX from the HSBC XXXX Branch.
2. The subject of my complaint has always been the first referral bonus. Contrary to your letter, the referral bonus for the account belonging to XXXX XXXX which was opened on XX/XX/XXXX, has never been paid and is way overdue ( promised within 8 weeks XX/XX/XXXX then ). You have yet to honor the terms of the XXXX promotion.
3. The above letter stated that within 4 weeks ( by XX/XX/XXXX then ) a credit of {$250.00} will be posted to XXXX XXXX account. To this date, no credit has been posted.
4. In your letter you included two telephone numbers where Customer Relations ( XXXX XXXX ) could be reached but nobody answers that phone and although the message states that somebody will call back by the end of the next business day, NOBODY calls back. I have called those numbers numerous times, leaving a message at all times but I was never called back.
5. Also, I have sent emails to the email address you provided in your letter and again NO REPLY.
I am beyond frustrated dealing with HSBC regarding this matter. Your prompt resolution of this matter is immensely lacking on your part. It has been one promised resolution date after another.
|
| 06/08/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
The business banking checking account that I had opened with HSBC Bank in XXXX was closed without any notice from the bank in XX/XX/XXXX.
I had received a letter from the bank dated XX/XX/XXXX stating that the bank was asking for information about all business banking accounts to help curb financial crime. The letter mentioned that I needed to respond by XX/XX/XXXX. I called the bank XX/XX/XXXX and answered their questions over the phone. I spoke with a woman named XXXX at XXXX, ext. XXXX. She asked about documentation that had been originally submitted when the account was opened in XXXX. I told her I was not sure if I still had it, but that the bank must have it because they opened the account. The call concluded with an assurance that I would be contacted if further information was required, or the documents could not be located.
I did not hear from the bank again until they closed the account. A letter was sent via XXXX which I received on XX/XX/XXXX, stating that the account had been closed and a check for the money on deposit was included. I called the bank and spoke with a branch representative assigned to my account, XXXX XXXX XXXX, XXXX. He told me that the account could not be reinstated. He also told me that HSBC was in the process of selling its retail branches to XXXXXXXX XXXX.
This was very unsettling as I was suddenly unable to pay my XXXX XXXX business card from the business banking account and now, I must immediately find another bank to provide business checking services. If the bank had clearly communicated to me that they were not going to keep the account open without the documents that were given to them when the account was originally opened in XXXX, I would have had time to plan and prepare for the account closing.
|
| 12/28/2015 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XXXX XXXX, 2015, I mailed a qualified written request ( a " QWR '' ) to my mortgage loan servicer, HSBC, in which I requested : ( 1 ) the identity of the owner of my loan ; ( 2 ) any restrictions in the applicable servicing agreement or investor guidelines that would bar capitalization, rate reduction, term extension or forbearance of principal, or that would otherwise prevent HSBC from modifying my loan ; ( 3 ) a description of the loan modification programs, and their requirements, for all loan modification programs HSBC will review me for ; ( 4 ) an itemization of any costs, fees, and expenses charged to my account since I defaulted ; ( 5 ) a description of HSBC 's efforts to establish live contact within 36 days of my delinquency to inform me about loss mitigation options ; ( 6 ) a copy of the written notice required under 12 CFR 1024.39 ( b ) ; and ( 7 ) a copy of the log HSBC maintains for the servicing of my account since the date of my default. This QWR was delivered to HSBC on XXXX XXXX, 2015.
On XXXX XXXX, 2015, HSBC responded to this QWR by mailing me : ( 1 ) the mortgage, ( 2 ) the note, ( 3 ) the HUD-1, ( 4 ) the payment history, ( 5 ) Quick Reference Transaction codes, ( 6 ) the Truth in Lending Statement, and ( 7 ) loss mitigation letters.
HSBC failed to provide me with : ( 1 ) the restrictions in the applicable servicing agreement or investor guidelines that would bar capitalization, rate reduction, term extension or forbearance of principal, or that would otherwise prevent HSBC from modifying my loan ; ( 2 ) a description of the loan modification programs, and their requirements, for all loan modification programs HSBC will review me for ; and ( 3 ) a copy of the servicing log for my account since the date of my default.
|
| 12/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I was approached by a XXXX XXXX XXXX XXXX ( NMLS ID # XXXX ), a loan officer with my current mortgage lender ( HSBC ) with an offer to refinance my home under the HARP program. I had recently looked into the program and do not believe I qualify but the man assured me he could get it done. We spoke twice and he pressed at a 15yr loan. I asked him for other options and he told me he would get back to me. I never saw any other options.
I immediately received an email containing an " e-sign invitation '' to sign and submit documents online which I refused to do, and then an email informing me that he had submitted a pre-approval on my behalf ... something I did not authorize. Following that I received ( by mail ) a notice about my " credit score and the price you pay for credit '' disclosure, this letter included an XXXX score and my " new loan number '' even though I have not applied for a loan. I never asked him to pull my credit score and never signed an authorization for him to do so. I also received ( by mail ) a " loan estimate '' outlining the single option he seems fixated on ; a 15 yr fixed-rate loan. I was never offered the other options I requested. The letters and documents are attached as PDFs.
Days later I received ( by mail ) a letter that my " home financing application '' has been pre-approved, even though I never applied for anything. The same day I received ( by mail ) a package of compliance disclosures with many places for me to sign.
I have to say I believe this man I have yet to meet is proceeding a very long way towards refinancing my home without my participation. I believe his actions to be unethical at best, and would like to know how it is possible for such behavior to exist in our tightly-regulated financial system.
|
| 11/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XXXX I had contacted HSBC to close my account due to the fact the 1st of all I never got a bonus for opening an account with the them and 2ndly they're charging me {$50.00} per month. Also, considering I have a checking account with XXXX XXXX XXXX XXXX and the fact that I have rent to pay and I needed to have this account closed and I was advised by the representative on that day that I needed to transfer the balance remaining to my other account.
After I initiated this charge it did not go through so I tried again.
Below shows what is in my account now with HSBC ending with XXXX The first time I tried was to send {$1800.00} The 2nd time since that did not go through was.
{$1800.00} Yet when I checked on the status of both transfers it showed up as suspended.
Yet in my account I went from having a balance of XXXX on XX/XX/2021 to a negative balance : XXXX on XX/XX/2021.
I had called multiple times on XX/XX/2021 to have this account brought down to 0 and to have it closed and couldn't. The first representative was XXXX. The 2nd was XXXX and when I asked XXXX for a supervisor he put me on hold and the call got disconnected. There is NO money showing transferred into my other checking account with XXXX XXXX XXXX XXXX.
Copied below is the information I see on the attempted transfers in my HSBC checking account : Tip : You can transfer funds into your account Don't get caught with a low balance. You can easily transfer money into your account from your outside bank. Set it up now. So you are ready when you need it.
Your accounts at HSBC are unavailable as source or destination account for the transfer as all your accounts at HSBC are currently suspended. Please contact Customer Service at XXXXHSBC ( XXXX ) for more information.
|
| 09/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I sent the following letter to HSBC and now I am requesting CFPB further assistance : This letter is to request a Removal of my Negative Standing with HSBC for my credit card ending in XXXX, specifically the returned check status. HSBC negligently flagged my account with a returned check status without performing proper due diligence. In early XXXX, I was offered a promotion of a 0 % APR for 12 months. In order to take advantage of historically low interest rates, I made an attempt to exercise this offer by first paying off my current balance. A customer service representative notified me that my current balance was {$340.00} so I made the respective payment on XX/XX/2019. However, I quickly realized that this amount was incorrect & I immediately called my bank and cancelled this payment and re-issued the correct payment amount of {$380.00} ( see attachment ). I made this correction because I was misinformed by HSBC & as a result, my credit profile shouldnt be affected with a non-payment status.
I was declined a credit limit increase due to the returned check status but I made significant amount of attempts to resolve this issue with HSBC. However, no one from customer service made efforts to research this mistake and flaw in the system and resolve this matter.
Enclosures : 1. Copy of letter from HSBC denying me credit due to non-payment.
I have sent a copy of this letter to the Consumer Financial Protection Bureau & have requested their assistance with this matter as I have exhausted all of my resources as a customer.
I am requesting that HSBC remove the returned checks status from my account ending XXXX so that we can proceed with a credit limit increase as my XXXX score is significantly high.
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
|
| 06/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I just recently opened up my HSBC checking account online they then did a verification trial deposits to verify my identity as an extra layer of protection I could understand that at the same time on the account opening process I put in for {$100.00} deposit for the opening deposit they took that out I set up my online ID add this past Saturday I did a mobile check deposit in the amount of {$200.00} so this is a total of {$300.00} all of a sudden they close my account down telling me that due to informational mishaps that did not match they close down my account immediately even though I have money in that account the person that I spoke to on the phone could not give me any information he said that its a back office that handles all this and I suppose the back office no one can get a hold of I want my money back Im not gon na sit around waiting however many more weeks months or whatever its going to take this is ridiculous not only that its a department that no one can get a hold of supposedly and the gentleman told me that I will be receiving information about whats going on due date as of todays date I have not received anything about my account being closed when I will receive my money back or anything I have been trying to get in contact with this oppose the back office now for about a week and no one can give me any information on how to get a hold of this supposed department I want to be able to walk into a HSBC branch and my funds be given to me in cash Im not waiting for a check you guys debitMy account electronically so then you should be able to put the funds back the same way you took them you guys take peoples money and then close down accounts and then come up with a department that now I can get a hold of that is not right
|
| 05/01/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
|
|
I applied for a XXXX XXXX position at the company XXXX XXXX on XXXX. I was contacted a few days later with a scheduled interview. It was an online interview for 30 minutes. I was supposedly selected then a few days later I was sent a check to purchase office equipment for my home. I went to my bank on XX/XX/19 and asked the teller " do you think this is legit? because I am not familiar with positions like this ''. I was told that if the check goes in my account it should be good to go. XXXX contacted me and asked if I was ready, I said no because the money isn't in my account and they said it should be there by tomorrow the latest. I checked and it was there so I thought everything was legit. My next step was to go to my bank and get a cashiers check and take that check to XXXX XXXX XXXX. I explained the situation again " does this seem secure because I am not familiar with this kind of business '' but I didn't receive any warning. I did all this by XXXX on XX/XX/19. The people were suppose to deliver the equipment to me by XXXX. Something told me to check my account. I checked, the funds from the check was gone along with that same amount from my bank account. I called my bank, they told me to go to XXXX XXXX XXXX and stop the check. I got there at XXXX and told them to please stop the check, something is wrong with this transaction. The lady at the branch told me that it was already scanned. Now here I am.
I have been trying to get to the bottom of this with XXXX XXXX XXXX, they sent me a few forms to get signed by my bank ( HSBC ) but they keep telling me that they can't sign anything. I am trying to get to the next step with this issue but my bank is not assisting me so now am trying to see what I can do to resolve this issue.
|
| 04/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX of XXXX, I settled two accounts with HSBC Bank XXXX However, they still show up on my XXXX credit report as " Charge Off ''.
***On XXXX XX/XX/XXXX, I filed two disputes with XXXX XXXX and I received word on XXXX XX/XX/XXXX that both investigations had concluded. For each case, XXXX reported that HSBC confirmed that the reporting was already accurate.
***After several conversations with XXXX representatives, I contacted HSBC . A person called " XXXX '' in their Recovery Department, verbally told me that the reporting had formerly been inaccurate, but that they had sent a correction to HSBC on XXXX XX/XX/XXXX. He offered to send me letters explaining the change.
***On XXXX XX/XX/XXXX, I received two letters dated XX/XX/XXXX from HSBC . Each stated that my " credit bureau report will be updated to reflect the following 'Charge-off : Settled for less than the Full Balance '. '' ***My XXXX credit report continues to list the accounts simply as charge-offs.
***I contacted both HSBC and XXXX again after receiving the letters.
***HSBC representatives told me that they had sent further information to XXXX on XXXX XX/XX/XXXX ( after the closing of both disputes ), but were unable to tell me what information had been sent.
***XXXX representatives told me that they could tell me the updated information for a fee. However, when I explained that I was already viewing my free consumer credit report from today 's ( XXXX XX/XX/XXXX ) date, the representative told me that any information she gave me would be exactly the same as what was reflected there.
***As it is my understanding that accounts listed as " charge-offs '' are considered to still be owed, I want my report updated to reflect that both accounts have been settled.
|
| 07/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
1st complaint : HSBC sent me a credit card that I hadn't applied for. I've spent over five hours on hold with HSBC in an attempt to report the ID Theft and ensure that the card has been coded as such and for them to remove any related reports from my credit reports. I wasn't able to get a person on the phone until today and then they refused to connect me to the department that handles fraud/Id Theft and refused to provide me with an address or fax number for me to send a police report and affidavit to report the ID Theft. The associate said that she can not assist me that I will have to be placed on a " lengthy hold '' to speak with someone who could assist me. I told them of my 5 hours of hold times and frustration to report the Id theft and they said they couldn't assist me. I asked for their manager and they refused. I advised that I am filing a formal complaint against HSBC and the associate wasn't concerned and they placed me on hold.
2nd complaint : After I formally communicated and provided proof of my victim status as a victim of ID Theft to HSBC and having received HSBC 's acknowledgement of the receipt of the unauthorized application that they've " Denied the application '', HSBC has now communicated to me that they approved the application and are reporting it to my credit reports. Since I've received this information from HSBC I contacted them and requested a fax and or address to resend the police report and FTC Affidavit for them to investigate and resolve the issue and the associate refused to assist me or transfer me to someone who could assist me. I advised them that I am filing a complaint against them and the associate placed me on hold until I discontinued the call because they failed to pick the line back up.
|
| 09/09/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I received a mailer from HSBC offering me {$300.00} if I open an Advance account. On XX/XX/XXXX, I opened an account and by XX/XX/XXXX, I have satisfied all the terms of the promotion. The mailer said that I should receive the bonus " approximately 8 weeks after completing all qualifying activities, '' which is the end of XXXX. On XX/XX/XXXX, I contacted HSBC by phone and the agent opened case XXXX. I checked the status of the case on XX/XX/XXXX and was informed that the " specialist '' has denied the bonus. Different agents gave me different explanations. The live chat support agent told me that " the payment was denied for not having the balance of {$5000.00} plus with direct deposits before XX/XX/XXXX. '' I deposited {$5000.00} to the account on XX/XX/XXXX. I received at least 5 direct deposits : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, in the amount of {$500.00} each from my employer. The relevant part of the promotion terms ( part 3 ) unambiguously states : " For purposes of bonus, you must have at least one direct deposit in calendar months of XXXX and XXXX ''. The supervisor of the live chat representatives asserted that i failed to maintain {$5000.00} in combined consumer checking and savings balances from XX/XX/XXXX to XX/XX/XXXX. However, my CD account had {$5000.00} in it from XX/XX/XXXX to XX/XX/XXXX. Finally, the phone agent told me that my direct deposits did not exceed {$3000.00}. However, the terms did not specify the minimum amount on the direct deposit. A bank obviously can set up this requirement but not after the customer accepted the original terms of the offer. I am under the impression that the bank is trying to deceit me as a customer and is trying to find a reason to decline the bonus.
|
| 05/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
1 ) Transferred electronically XXXX $ to XXXX XXXX on XX/XX/XXXX using HSBC online banking 2 ) waited for 3 business days and contacted 2nd and 3rd day to HSBC customer service and inquired on transaction status. A ) the online chat representative said - the cash will be deposit to payee in the form of Check ( which I never instructed them to pay in the form of check ) B ) at the same time I called to customer service via phone and the person mentioned that - since you did electronically the deposit will be happen by the end of 3rd business day. It was so frustrating that, why money is depositing in the form of check? with out having any knowledge from my end.
I was totally confused by the statement -- -- -- '' a number of different factors are considered to determine how the payment will be sent, we can not tell which method of payment will be used until the payment is processed. Based on factors considered, our payment system selects the most appropriate method.
Electronic payments are sent whenever possible. If the payee does not permit or accept electronic payments, then those funds will be remitted to the payee through the use of a paper check issued by HSBC or its agent and payable to the payee, as instructed by you. This paper check will state that it represents a payment from you and will indicate the account number of your account or reference number with the payee. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- this is a system generated message and they keep on mentioning this point only. I have more than 10 years of experience in doing online transactions and never ever come across with such a bad experience.
i want to close my checking account, however i would like to report this to government. please help.
|
| 01/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
1. My old card expired, so HSBC sent a new card to my home ( U.S ), but it was stolen and used by criminal suspect from XX/XX/XXXX. when all transaction happened, I was physical located in XXXX, XXXX ( passport record can prove ) 2. In XX/XX/XXXX, I received a call from HSBC to remind overdue payment, then I found the credit card was on fraud. ( No text messages and phone call from HSBC to remind the abnormal transactions ) 3 I reported to HSBC about the fraud in XX/XX/XXXX and filed a policy report on XX/XX/XXXX in US 4. From XX/XX/XXXX till XXXXXX/XX/XXXX, I keep contacting HSBC fraud department and look for a solution ( made over 15 times phone call ), HSBC partially dispute the transaction, but still denied over {$6000.00} transaction.
Complains : Here is the complains for my case : 1. Fraud department didn't make any progress from XX/XX/XXXX to XX/XX/XXXX.
2. In XX/XX/XXXX, Fraud department supervisorXXXX XXXX ( not sure the name is correct ) told me HSBC partially disputed the transaction, and suggested me call XXXX XXXX XXXX, I called more than 10 time of the number, but no response. so I have to call fraud department, but fraud department asked me call ( XXXX XXXX ), so I was a ball been kicked one side to the other.
3. Fraud department told me different reasons of deny the fraud dispute requirement each times when I called 4. I required to talk to fraud department supervisor from XXXX ( >5 times ), only one time received call back, but no progress.
5. it passed 6 months that investigator still can't get policy report, obviously, no one is working on my case.
I attached " policy report card '' and and " I94 - Custom entry/exit record- which can prove I am physically in XXXX , not in US when the fraud happened ''
|
| 07/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Claim Number # XXXX I am very pleased to receive a check after CFPB reached an agreement with Equity Accelerator Program which is associated with HSBC Bank. I have a mortgage loan with HSBC in XXXX along with other accounts, but the bank seems just ca n't offer me an easy access to my loan account online like the other accounts I have with them. then, three years ago, i filed complaint to my financial manger in XXXX XXXX and demand a more transparent loan account information showing how much i have paid and the balance of my loan account in daily basis ONLINE like the other accounts. as you see from the attached, the mortgage information is always un-accessible online. to get my mortgage info, i had to made a call and then was transferred to a remote unknown country to get my mortgage information!!! Even so, they are not helpful and have no concept what they are doing. To make a story short, finally i receive my loan info monthly through mail, but online information has never existed. it always experiencing an " ERROR ''. Last week, I made a call to mortgage center ( this time within the U.S ) to find out the exactly amount to pay off my mortgage. I was given a number, but after we did some calculations the numbers were off what we owe. I bought a house for {$200000.00} in XXXX in XXXX with 20 % down. then, in XXXX, i signed up a speedy seven years payoff program by paying bi-weekly with Equity Accelerator. I am not an expert of figuring out how much i have paid to the loan and the balance, but I was given the number of {$87000.00} to pay off the loan as XXXX/XXXX/XXXX. we are skeptical about the numbers and hoping CFPB as our watch dog to help us to fight and deal with giant bank like HSBC. thank you so much for listening.
|
| 08/31/2016 |
Yes |
|
|
|
Web |
|
|
My wife had accrued over a thousand dollars in one of her XXXX card which is serviced by XXXX bank corp. or HSBC. As she was delayed in her payments, Hsbc called her on the phone in 2010. HSBC made her to agree to several monthly automated payments through her checking account to pay the full amount. About 2 years ago, XXXX a debt collector served us papers through the courts suing us for the full amount. She searched her records but could not find any file that showed she had paid off the debt. We have accessed her checking statements online and indeed she made payments of around XXXX to HSBC card services CO id XXXX XXXX web misc XXXX for 5 months. She went to a local XXXX XXXX branch to identify what account the money went to. XXXX XXXX said they could not help us and told her to call HSBC. She was told by HSBC that they do not have records on how to track these transactions. We contested this in the local courts and the judge ruled that since we can not prove that the money did not go the account which is now held by XXXX that we have to pay XXXX XXXX. We sent a certified letter to the lawyers of XXXX XXXX stating that we are willing to pay on a monthly basis to cover the amount. My have not heard from them since. My wife is seeking a mortgage and the broker said that she has to settle this account before she can get a mortgage.
We need help in trying to trace where the money went.
As a warning to others, always keep your records whenever you payoff a debt. Also automated debits do not give a full record of where your money goes so probably it is better to pay off by check as a back up record. Creditors want to give you discounts on your debt for automated debits as probably it is hard to trace where your money went.
|
| 11/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/2021 I was pre-approved a loan from HSBC Bank - communicated by a Direct Mortgage Consultant called XXXX XXXX.
On XX/XX/2021, I sent an email to XXXX XXXX stating that I have purchased a property and provided him with a link to the Compass listing of the property which states that the property is an apartment in XXXX XXXX XXXX, a Condotel.
On XX/XX/2021, XXXX XXXX asks me to send him the closing statement among other documents. On the same day, I sent him all the documents which state that the apartment is in a Condotel.
From XX/XX/2021 to XX/XX/2021, XXXX sent me several emails and made calls asking me to sign documents and close the initial evaluation process.
On XX/XX/2021 XXXX asked me to pay {$870.00} for the loan processing which I did immediately.
On XX/XX/2021 XXXX informed me that the loan can not be processed because the apartment is in a condotel.
On XX/XX/2021 XXXX and XXXX, I pleaded with XXXX that he did not once mention that the apartment is not eligible for a loan and this information was hidden from me that a condotel can not get a refinancing from HSBC.
On XX/XX/2021, I again informed XXXX that he should not have asked me to pay {$870.00} for loan processing, knowing very well that the purchased apartment was in a Condotel. I brought to his attention that he was sent the closing documents and warranty deed back on XX/XX/2021 but not once did he mention that this was ineligible for the loan.
I am only asking that due to the negligence on the part of XXXX XXXX, my loan processing fee of {$870.00} be returned.
I have spent several hours sending XXXX the documents he needs, while all along he knew that the loan would not be processed.
I am being penalized due to no fault of mine.
|
| 03/17/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I was at HSBC branch on XXXX & XXXX in XXXX today around XXXX. Before I got on this long line at downstairs foreign exchange office, I showed one of the tellers that I have old Pound Sterling currencies which I would like to exchange back to USD. The teller nodded " ok, just go to the end of the line ''. I got at this very long line, waited nearly 30 minutes, however, when I got to front of the line, teller XXXX told me " these money are old, we can not accept '' ; she further told me that these money are good to use only in XXXX, but foreign exchange office in HSBC bank no longer accepts them. Well, I felt so mistreated!!! Why ca n't her colleague, ( the teller I showed these old money to ) notify me before I got on this very long line to wait???
I spoke to HSBC assistant manager XXXX, who seemed have no clue with foreign exchange policy, she kept me wait for another 10 minutes, claimed " she needs to check with the tellers '', she had no idea what types of currency notes HSBC can or can not accept, I showed her again these old XXXX pound money, she was so unsure and did n't even know what guideline as what could be accepted. I requested since the teller MISINFORMED ME that it was ok for me to wait on line to exchange and I took her WRONG advice to wait online. HSBC should at least respect customer 's time and honor this one time exchange!!! However, both XXXX and XXXX had ABSOLUTELY NO CONCERN OR RESPECT to customer 's time, they both refused to honor my one time request to change my XXXX pounds to US dollars.
I totally wasted 40 minutes of my lunch hour with DISRESPECTFUL HSBC customer service reps and get no results!!! I had been a customer with HSBC for long time, I totally do not deserve this treatment.
|
| 03/29/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened an HSBC account on XX/XX/2017 when there's a promotional bonus offer of {$350.00} dollars if open a new account and maintained the balance of {$10000.00} in my new advance checking account for 3 months. I have also chatted with several agent multiple times to confirm my eligibility for the account bonus and also that I have met all the requirements to qualify for the bonus.
However, the bank told me that their Campaigns and Promotions Team has determined the HSBC Checking account is ineligible for the promotional bonus due to the previous open account within one year of the campaign start date.
I don't remember seeing anywhere saying this when I opened my account please I also chatted with agent multiple times to confirm I was eligible for the bonus and the agent confirmed I was. Now the bank doesn't want to honor the bonus and telling me I am not qualified. Why do all the agents confirm i met all the requirement and don't double check and tell me I can not qualify when I opened my account. They keep delaying me and locking up in money in their bank and not telling me right away. They locked up my money there for over 5 months making me thinking I will soon receive the bonus as confirmed by each agent i talk to but in the end still won't give me the bonus I deserve. I don't think this is fair for the customer who followed all the rules and requirements and in the end got trick by the bank to keep the money in there for a long time.
If the bank don't want to honor the bonus, they should train their agent to tell customer the truth right away and not trick them into opening an account because of that bonus and maintaining the money I could have put into other higher interest earning banks.
Thanks.
|
| 09/25/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
This is related to XXXX XXXX XXXX , XXXX and HSBC Beneficial. In XXXX my wife and i took out a HE Loan with Beneficial Mortgage ( HSBC ). On XX/XX/XXXX and XXXX XXXX, My wife and I signed documents related to a First Lien deed of trust for the home equity loan with Beneficial Finance. I cant explain why this was done twice or for what purpose, but the fact is both were filed in XXXX County, TX. I have paid my loan as agreed, then, around XXXX of XXXX, Beneficial sold my loan to XXXX, XXXX. There is a transfer of lien filed at the county that reflects this. The transfer references the loan #, but only references one of the instruments or liens that was filed. I paid my loan off in XXXX and received a release of lien from XXXX for the lien they assumed from HSBC, the FLDT dated XX/XX/XXXX. I went to apply for a home equity about a month ago and was told there was still a lien filed with the county ; the lien filed on XX/XX/XXXX by Beneficial. I am being told by XXXX XXXX , XXXX that they can not release the lien dated XX/XX/XXXX as it was never transferred to their name, and they are not the lien holder. I told XXXX the lien they assumed was invalid, as there was already a FLDT filed at the county, and one could argue that any payments i made to them were done so without a proper lien. I explained that I felt it would be in their best interest to help resolve this matter. They stated they had done all they could do. I can not contact HSBC Beneficial other than by mail, which i have done as of today. In this day, with all the access to technology we have, it is unreasonable for them to not have a means by which a customer can contact them other than by mail. I would appreciate your help resolving of this matter.
|
| 12/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American, Servicemember |
|
I applied for and received a mastercard from HSBC on or about XX/XX/2018. I activated the card online a few days later. I did not attempt to use the card until XX/XX/2018. I used the card to pay for a purchase at XXXX on XXXX XXXX XXXX in XXXX, Georgia and it was declined. I immediately called the HSBC customer service number shown on the card and after waiting on the line for over 30 minutes was told that there was a hold on the card but that she ( the person I was talking to ) could not do anything about it and I would have to talk to another department. She then transferred me to that department number where once again I was on hold for 20 minutes before I terminated the call. The next morning I called the customer service number again and was told the same thing about the block but that the department that was responsible for resolving the issue did not work on the weekend and I would have to call back on Monday, XX/XX/XXXX, ( today ).
Today, I have talked to the number that the customer service agent gave me and was told that they were not the right department and I would need to call another department. The agent also told me that the account could not be closed because of the hold on ; the account. I have now called that number and have been waiting for over an hour to talk to someone in the department supposedly that can resolve the issue. After waiting on hold for over an hour and 26 minutes I terminated the call without speaking to anyone.
I want to cancel the card and end my relationship with HSBC but can not get to the right department to do that. The account has never been used and I am concerned that something could be put on the account and I will not be able to contact anyone about it.
|
| 10/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I have applied for a credit card with HSBC bank to obtain their HSBC Cash Rewards Credit Card. I received and started using the card in early XX/XX/2018. A few weeks after using the card, it stopped working at stores and gas station. I contacted the number on the back of the card, I waited for over 30 minutes for a representative and wasn't able to get a hold of anyone. I tried multiple times and was not able to reach anyone. I was able to talk to someone on their online chat through their website, www.us.hsbc.com and they told me my card was suspected of fraud and they gave me their number to their fraud department. I called and had trouble getting a hold of anyone there also, and anytime I was able to get a hold of someone, they would transfer me to another department, I would wait over a hour sometimes and then the phone will just hang up. This has happened multiple times.
I have spent {$150.00} on the card before it was frozen, and I was and still am not able to pay it off because of the suspected fraud. I talk to someone on the online chat and they could not do anything, they just told me to call their fraud department and they had to unlock my account. And I was even able to pay of my card until that happen. Then, my HSBC card was charged with a late fee for not paying the card. When I complain through the online chat, they said they could not do anything until I call their fraud department in which I can not get a hold of anyone. I looked up on XXXX if anyone else has a similar experience as me, and it appears as dozens of people, over a hundred people have had the same exact problem with their card being frozen and then not being able to get in contact with a person. ( Link : XXXX XXXX XXXX )
|
| 07/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a credit card with HSBC Bank a long time ago. As such, I kept receiving promotional emails from them from time to time. One of the emails stated there was a bonus of {$470.00} for their XXXX XXXX checking account. I was intrigued since I had been looking at banking with a global bank for a while. The offer stated I had to deposit a minimum of {$5000.00} for 3 consecutive months, and the bonus would be deposited after. I started the application process which took them 3 weeks, believe it or not, in this day an age. As soon as my account was opened, I went to my job 's HR and made the necessary changes to have around $ XXXX per month deposited directly to my account. This started in late XXXX. So the bank has seen my deposits in late XXXX, XXXX, XXXX, XXXX, XXXX, and we're in XXXX. The bank keeps giving me runaround and nobody knows anything. Customer service number is an overseas call center, and they state they don't handle promotions. Direct messaging within the app states the same. I actually had to file a complaint againt XXXX and in their written answer, which you have access to ( case number XXXX ), they state the bonus will be automatically deposited in my account by XX/XX/2020. This has not happened. So basically this bank engages in bait and switch tactics. At least I'm glad I realized this early how terrible they are. However, what they are doing is ilegal and must be stopped. I want the Consumer Financial Protection Bureau to publish this so others can be warned. My next action is filing a suit in small claims court in my local courthouse, and I would like to use this complaint as evidence of everything I've been through with this bank, and their refusal to honor their promotions.
|
| 08/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American, Servicemember |
|
Fw : XXXX Confirmation Number : XXXX - Dispute Received HSBC has engaged in a deceptive business practices related to my dispute. Where HSBC blocked my capabilities to make payments and at the same time commenced charging me interest. Since my initial complaint to HSBC nearly 4 months ago, I have received XXXX ( XXXX ) letters from XXXX XXXX, XXXX, Customer Relations dated XX/XX/2018 ; XX/XX/2018, XX/XX/2018 and XX/XX/2018, the latter received today, XX/XX/2018 all of which informing me that my complaint was being investigated.
However, HSBC sent another threatening letter dated XX/XX/2018, HSBC Collection and Recovery Department, demanding a payment of {$140.00} believed including interest for which I do not believe I owe given the fact that HSBC created an inability to continue monthly payments. The interesting fact is that the two HSBC entities do not seemingly know what the other is doing and possibly the root cause of this entire mess created by HSBC.
One of HSBC XXXX sends a letter dated XX/XX/2018 confirming prior letters that this matter is under investigation while HSBC XXXX and XXXX Department on XX/XX/2018 between the HSBC XXXX, XXXX XXXX, letters of XX/XX/XXXX and XX/XX/2018 sends an HSBC Letter of Demand on XX/XX/2018? XXXX See Attached letters ) In closing, to resolve this matter three ( 3 ) things must take place : ( 1 ) re-establishment of my HSBC in-line capabilities for making credit card payments and the reinstatement of my previous credit line ; ( 2 ) removal of all interest charges commencing XXXX, 2018 ; ( 3 ) written apology for having to endure HSBC Maltreatment and obvious harassing business practices.
Respectfully, Signed on this the XXXX day of XX/XX/2018 XXXX image
|
| 01/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
Older American |
|
Had a savings account at HSBC bank got a letter that said refer a friend and receive {$500.00} if you open a checking account with your savings. Went to the bank to open one. The bank associate told me that she was not sure how to open the account so I would get the refer a friend money and the person who could help me was not in that day. She told me the best thing to do is open the account on line. So I went home and opened the account online because she could not do it at the bank. I went back to the bank with the account opened and the other person XXXX who was not there to help me the day before took care of the refer a friend. I waited months and got nothing so I called and they told me because I opened it up online I was not entitled to the reference money that it had to be opened at the bank. Because the bank associate gave me wrong information and did not do her job right I lost out and had a checking account I did not need or use. I deposited my 1st gov. stimulus check into the account. I asked to receive statements by mail but never got them. months later I went online to check my accounts and my checking account had minus XXXX. They had taken {$50.00} a month for 6 months out of my account and left me with a minus XXXX. After a few phone calls I got back 3 months of fees but I am still out {$150.00}. I was not told about any fees and was never notified that my account was in the minus. I really haven't been using the account at all and did not need it I only did it for the referral, now not only did I not get the {$500.00} referral money they also drained my account. I am XXXX years old and live on social security and savings and {$150.00} is a lot to me not to mention the {$500.00}.
|
| 05/23/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
HSBC ( HSBC BANK USA NA ) closed my online savings account without notifying me of them closing it, in the amount of {$52000.00}. I logged into my account in XX/XX/2021, and by XX/XX/2021 they closed my account without email or call notification. They sent a notification to an old address I had on file, along with sending a 'live ' check to the wrong/old address on file.
I have been trying to track down my life savings money since XX/XX/XXXX - and HSBC has not yet remedied the situation. They still have my {$52000.00} of cash sitting in their bank and will not release it to me unless I fill out an abandoned account form - that they promised they would send to me on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the form.
My most recent discussion with them today, XX/XX/XXXX, stated that they turned my funds over to the Illinois State Unclaimed Property. The HSBC records showed this finding on their files on XX/XX/XXXX and despite having conversations with me on XX/XX/XXXX and again XX/XX/XXXX, they did NOT communicate this news to me. I am now left to go search Illinois unclaimed property and have {$52000.00} missing of my life savings.
HSBC did NOT handle this in an informative way, they bounced me around to many different people, wasted my time because i could have gone to IL state already in XXXX had they notified me of the correct information. And again, they put my account in abandonment when I logged in XXXX but they closed my account in XXXX WITHOUT any notification via email or phone call. This has caused major stress and impacted my ability to use my life savings. And I still don't have my money because I am now trying to track it down from the State of Illinois.
|
| 05/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I would like to file a FTC claim of Fraud against Mortgsge Co, and the unknown Note Holder ( s ). According to an Independent Forensic Loan Audit, my mortgage violated several FTC and other Laws, Acts, and Regulations. Mortgage payments were made to several different Mortgage Cos. and Mortgage Service Cos. However, A different, recently Assigned Trust/Company has been granted a " Summary Judgment for Foreclosure & Sheriff Sale '' .of my home. I had requested a " Validation by contracts '' of the alleged debt several times. One request was by fax. The request was to provide proof of the debt or stop All contacts and All actions related to debt. OR voluntarily agree to certain fines. But, their response was more printouts of payments schedules & the Actions of Foreclosure, instead. The mortgage Violations are evidence of Fraud on the part of the Mortgage Co. and follows to any Assigned Trust or company. According to the Audit, the mortgage Violated many FTC and other laws, which makes it a Fraudulent.Debt. and Fraudelulent Foreclosure.
I am attaching the following documents to support this claim : 1. Copy of the independent Forensic Loan Audit 2. Copy of partial list of Mulltiple Calls from Mortgage Company with some related letters.
3. Copy of fax ( dated XXXX/XXXX/2014 ) Requesting a Validation of the Mortgage and Note to identify true " Holder ( s ) of the Note ''.
4. Copy of the Mortgage Company 's Responses dated XXXX/XXXX/2014 ) to request for " Holders of the Note '', OR to agree to fines if unable to stop all contact & actions related to the debt..
5. Copy of some of the continued contacts & actions related to the debt, after failure to Valiidation of the Debt., by mortgage company.
|
| 07/31/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I receive several calls every day from XXXX XXXX XXXX. Calls have been coming in for several weeks without any information left in the automated voicemail message they leave. Today I spoke with a representative twice within a 30 minute period, and I believe they have violated several sections of the Fair Credit Reporting Act.
This company is operating with suspended registration from the XXXX. The company called me trying to collect a debt that I defaulted on more than four years ago ( 2011 ) and therefore is past the Statute of Limitations for consumer debt collection in California - I have not done anything to trigger the restart of the Statute clock. The company could not provide me proof that they were authorized to represent the credit card company and they tried to get me to make a large payment immediately threatening that if I did not pay this would be handled publicly. When I told them I can not be called during business hours they claimed they were noting a refusal to pay. They would not note that I should not be called during business hours, and they threatened to damage my credit if I did not pay today.
I have no ownership interest in this company. I have not consulted other federal departments or an attorney. There is no lawsuit or court action pending. The address information is from the former filings with the CA XXXX. I have filed a complaint with the CA Attorney General.
I would like the company to be held accountable to the fullest extent of the law for operating a business in CA without registration and non-compliance with THE fair Credit Reporting Act ( in addition to Section 1788.14 of the CA Civil Code.
Contacts : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Ext XXXX
|
| 12/15/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. XXXX XXXX XXXX, XXXX and their attorney XXXX XXXX ( XXXX, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account XXXX had purchased that was originally a credit card from HSBC XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in XXXX County Court in Colorado, and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices, and if I did n't, they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact, they almost got away with obtaining a judgment against me, illegally so, except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA, and fully believe they can bully monies by their `` gangster-like '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers, out-lawyering consumers, and willfully and wantonly ignoring federal and state debt collection practice acts and laws that are in place to protect consumers.
|
| 04/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I opened a checking account with HSBC in XXXX of XXXX. The bank disclosed a {$50.00} maintenance Fee if the monthly deposits didn't meet a certain minimum. At the time, I was unconcerned since under normal circumstances my monthly and daily balances would exceed the minimum requirements.
The COVID hit and my deposits ground to a halt.
On my statement ending XX/XX/XXXX, I noticed a {$50.00} fee for maintenance. I called customer service on XX/XX/XXXX and was advised this in acknowledgement of difficulties due to COVID, the fee would be refunded and that no additional maintenance would be charged to my account until XX/XX/XXXX.
On XX/XX/XXXX the fee was indeed reversed, but on XX/XX/XXXX another fee was assessed ( contrary to what I was told on XX/XX/XXXX ) This fee put my account negative by {$2.00}.
Then on XXXX another fee was assessed resulting in a negative balance of {$52.00}.
Then on XX/XX/XXXX, they simply and abruptly closed my account and sent it off to collections.
On XX/XX/XXXX I called them and explained this issue and was told to expect a refund check for {$47.00}.
A month passed and i didn't receive a check so i called again on XX/XX/XXXX and was told a manager would call me back, but no one ever called.
I followed up with 2 subsequent calls on XX/XX/XXXX and XX/XX/XXXX respectively and each time I was told that a manager would call me, but still no one called.
In the interim, they still have my account in the recover ( collection ) department.
I sent a final letter in XXXX and again was ignored.
This is despicable behavior under normal circumstances,, but for a worldwide institution to do this to someone like myself in the middle of a pandemic is unconscionable.
|
| 09/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I have been a resident of XXXX County, NY for 35 years and am now in the process of selling my home in XXXX. The home is in contract for another XXXX County resident to purchase. We have been unable to get a clear title to sell the home, even though the mortgage with HSBC bank has been paid in full for seven years. The bank incorrectly recorded the satisfaction of mortgage seven years ago, and now that we are trying to get a clear title we are unable to do so.
My lawyer, XXXX XXXX, has been attempting to resolve this issue, even providing all of the incorrect information as well as the correct information to the bank. The bank, HSBC, does not have a customer service contact that is willing or able to assist us. When I have attempted to contact them, and when my lawyer and my real estate agent have attempted to contact someone who can help us, they only provide an email address. When we email the contact email address we receive an auto response that says, " HSBC XXXX has reviewed this request and determine this is not a XXXX XXXX XXXX loan. Your request has been referred to the appropriate HSBC Bank contact for review. XXXX '' We have been contacting the provided email addresses since XX/XX/2020, and have not yet received any response. The person who wants to buy our house must be out of her current living arrangements by XX/XX/2020.
The bank has been completely unresponsive. We are in danger of not being able to sell our home and the buyer is in danger of not have a place to live as of XX/XX/XXXX. We do not know how to get the needed resolution. Can your office please help me?
I can be reached at XXXX. I would greatly appreciate any assistance that you can provide. Thank you.
|
| 12/01/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
InXX/XX/XXXXI was buying a home for the first time alone. I took out a loan for XXXX to purchase the home at 7.5 % interest and a renovation loan for XXXX to rehab the home at 9.5 % interest. The bank was HSBC Commercial Bank C/O XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ,XXXX XXXX XXXXXXXX Over the years I noticed that the Principal was barely going down, but attributed that to being told that most of the payment going to interest in the first few years, I did not know that ALL of the payments were going to interest until I got a letter stating that I had an Interest only loan and even though my interest rate would stay at 7.5 %, my payment would go up almost 350.00 inXX/XX/XXXX. I retired after XXXX over 25 years and my income was reduced dramatically and this new payment amounts to almost 1750.00 a month. Every year between XX/XX/XXXXI have tried to do a HARP refinance and once paid a lawyer XXXX to help me do a HARP. My answers have always been negative, even though I have never missed a payment. They in essence tell me my debt to credit ratio is too high and if they lower my payment they do n't think I will pay, even though I never missed the higher payments. It was suggested I miss a payment or short sell the house by employees sympathetic to my situation. Giving me " unofficial '' advice that would ruin my credit or at least put a real bad mark against me.I feel I can no longer afford this payment. I feel I was tricked into this type of mortgage product by HSBC and was turned down for a loan modification unjustly several times by HSBC. My home is worth only about 80,000.00 but I owe over 155,000.00. I am really desperate for some type of help. I feel trapped. Thank You.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XX/XX/XXXX, there was an overdraft transaction of {$52.00} done on my Checking Account ( as a line of credit ) that did not show up on any forms of statement online banking or phone banking. Further, the paper statements were not sent to my address as the bank did not use the correct address.
Despite being an HSBC XXXX Customer, the bank, customer care or the Relationship Manager did not care to call on my phone reminding of such transaction and non-payment of such amount for over 60 days.
Given that I was not aware of the transaction, nor was made aware by any statement or communication, it would not have been possible for me to make any payment for such a small amount. Eventually in XX/XX/XXXX, HSBC closed the Line of Credit Account and again no information or statement was provided.
In XX/XX/XXXX, while reviewing my credit report, I noted HSBC has reported my payments being delayed by over 60 days thereby impacting my credit rating significantly.
I then worked with HSBC phone banking representative to deduct the amount from my checking account and refund various late payment changes.
While talking to customer care for XXXX Banking for multiple times, I was assured this will be rectified as the issue lies with the bank system and of no fault of mine. All late payment fees, and charges were thus reversed by the bank acknowledging this issue was with the Bank.
I was asked to send my credit report to HSBC Business Service Division via Fax which I did per the instructions.
Earlier this month, On XXXX XXXX, I received attached postal communication from HSBC Cards and Loans Customer service Team dated XXXX XXXX stating that HSBC is unable to remove the delinquencies.
|
| 11/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My son received a call from a company, XXXX XXXX XXXX ( phone XXXX ) on XX/XX/XXXX - a lady named XXXX XXXX claimed she had been trying to reach me in regards a civil suit in which my bank accounts would be frozen by XX/XX/XXXX if I didn't respond immediately. The case number referenced was XXXX. I called back and was transferred to a XXXX who informed me that it was for an HSBCXXXX XXXX XXXX debt I owed in XXXX in the amount of {$20000.00}. I informed her I didn't owe any credit card debt or owned an HSBC account in XXXX. I did have a citi bank credit card at that time but it was paid off. The lady had details of my texas drivers license number and an old address- she claimed numerous letters were sent to my old address and they have decided to place a lien on my accounts by XX/XX/XXXX. I told her I was unaware of this debt and besides there was no delinquent information on my credit in which she stated it was no longer reported with the credit bureaus. She then proceeds to act empathetically towards my confusion and says she will request her boss to 'reinstate ' my debt to avoid the lien on my accounts. She asks what I am willing to pay ( because the debt was in my name and I was still liable for it ). I negotiated ( for a debt I didn't owe ). She said I would be receiving a document that I needed to XXXX and then make a one-time payment over the phone. That is when I decided to stop the discussions because I wasn't going to make any payments without receiving proof of debt, and I certainly was not going to give a stranger my card details over the phone. I am reporting this because I do not owe any credit card debt from HSBC but also most concerned that she had my details.
|
| 06/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I purchased 2 XXXX dirt bikes using the XXXX credit card a line of credit provided by HSBC. I got behind on payments and HSBC sold the credit card debt to a third party debt collector. I was contacted by XXXX XXXX XX/XX/XXXX 2011 stating she was with XXXX XXXX XXXX XXXX and was collecting on the HSBC debt I owed. She stated the dirt bikes I purchased would be seized unless we could settle the debt. She stated that if I could pay a total of {$2700.00} which needed to be wired she would send the titles to me for the dirt bikes. I wired {$2500.00} on XX/XX/XXXX and the remaining {$200.00} XX/XX/XXXX only to find out that they did not hold the titles for the dirt bikes as they were still showing the lien holder as HSBC ( found out later ). I then realized that not only was the debt not settled but XXXX XXXX XXXX sold the debt to another debt collection agency XXXX XXXX who then started trying to collect for the same debt. I did not agree with the debt XXXX was trying to collect, XXXX filed a judgement against me which I then thought Bankruptcy was the only way out. I filed chapter XXXX bankruptcy which was converted to a chapter XXXX in XX/XX/XXXX. I feel like this was handled very wrong by HSBC who sold my debt to a third party debt collection company but has never released the liens on the bikes to these companies. Then I was lied to by the third party debt collector XXXX XXXX XXXX XXXX stating they would release the liens if I paid when in fact they did not hold the liens. HSBC has since sold the XXXX accounts to XXXX XXXX who has no records therefore I am unable to dispose of or get rid of these dirt bikes or even come to any type of settlement with them to release the liens.
|
| 07/16/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XX/XX/2018, I transferred USD XXXX from my brokerage account at XXXX to my bank account at HSBC XXXX XXXX. The bank delayed my transfer for quite long time. After my complain ( Case # XXXX ) on your website, we got the money on our HSBC bank account on XX/XX/2018 and got apology letter from HSBC customer service as attached. But on XX/XX/2018, HSBC Bank suddenly returned my money to my brokerage account without any notice. We called XXXX XXXX XXXX customer service and the customer service person replied that she can't do anything and the relevant department didn't want to give any explanation. I also sent following email to the customer service manager of HSBC XXXX XXXX twice but got no reply : " On Sat, XX/XX/2018 at XXXX XXXX, XXXX XXXX wrote to : Dear XXXX, Regarding our transfer of USD XXXX from our XXXX account to our account XXXX in your bank, though the money arrived to our account on XXXX XXXX, the arrived money was returned to our XXXX brokerage account on XXXX XXXX. We didn't make such transfer and found the return was generated by system. We contacted XXXX and XXXX replied that it was not generated by XXXX and XXXX just received that money from your bank. Pls check whether your bank system generated this return transaction and explain the reason to us. Our family need to pay my son 's tuition and moving home expense in XXXX ( this month ). The delay of last transfer and this time 's automatic return by system caused us not only wasting a lot of our time and efforts but also worries and mental stress of potential default. It caused my wife 's XXXX XXXX.
Looking forward to getting your prompt reply.
Thanks Best, XXXX XXXX XXXX XXXX XXXX XXXX "
|
| 03/04/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XXXX XXXX is in violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Under FTC v. XXXX XXXX XXXX ( XX/XX/XXXX ), a Federal Trade Commission lawsuit against a licensed or registered collection agency, whereas the collection agency paid millions in fines and penalties, a criteria was established on the collection of debt where interpretation of laws were established. That criteria is as follows : 1 ) The debt must be within legal timeline limits that it can be collected through a summary judgment process in the state of the consumer 's residency. In this case, both accounts started with HSBC Bank, went into default in XX/XX/XXXX, and then taken over by XXXX XXXX in XX/XX/XXXX. Both accounts are long past any redeeming collection period.
2 ) The consumer must be given a 30-day notice that the collection will be posted on credit, and shown proof that the collection item has been assigned or purchased, or both.
3 ) The consumer must be given his rights to dispute under the Fair Debt Collection Practices Act. In this case I was never notified by XXXX XXXX or XXXX XXXX XXXX.
Both accounts have been re-aged, show no previous ownership as stipulated under the Fair Credit Reporting Act, and there is no payment trade line. The original owner, HSBC Bank is off credit completely as the legal timeline limit has come and gone. XXXX XXXX XXXX is in direct violation of FTC mandates on this type of illegal collection process. The Consumer Financial Protection Bureau needs to step in to sanction XXXX XXXX XXXX for these continued FCRA and FDCPA violations. Both accounts must be deleted on my XXXX credit report immediately and permanently.
|
| 10/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Fell behind on mortgage with Household Finance/Beneficial and made a payment agreement. Sent the first payment of more than agreed upon, but returned to me because it did not reach them within the date claimed ( takes time for mailing! ). The agreement was made after being denied for hardship assistance with the company, which in their denial recommended I do a short-sale or whatever, basically to get out. During this time I received several confusing correspondences within days of one another stating, thanks for the agreement, we want to help, etc. HUD does not assist on this company 's mortgages and HFC has a growing number of complaints nationwide on how they are taking back homes without working with consumers. I am one of them! Interesting that with 3 months of payments behind ( {$700.00} check sent back today ) that their interest in taking my home coincides with the neighborhood being deemed 'historic ', perhaps making this more valuable. Anyway, I am able to catch up over the next 4 to 6 months, but the company is claiming 'default ' and apparently about to start foreclosure. Our circumstance happened due to medical bills for XXXX and a garnishment I am resolving on my paycheck creating a better debt to income ratio within 30 days. HFC Beneficial has thousands of complaints listed online for foreclosures and difficult to work with. I am a witness and victim. Do NOT want to lose this home even though seems impossible to gain equity. Also they refuse partial payments, holding any payments sent in advance of a payment due without interest thus increasing the amount of interest owed - they apparently just hold it in escrow without applying any portion to payment.
|
| 07/14/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XXXX 2013 I purchased a property in XXXX XXXX, NJ. HSBC was the lender and servicer of the mortgage loan since the closing date. I 've never missed a single mortgage payment, and always paid on time as well. 15 months later i find out that the city did not receive any property tax payment from me for the first 8 months, and had sold the tax lien to an investor, and the investor had come to collect the payment, along with interest and penalty. Long story short, turns out that HSBC sat on their bums, collected my monthly payments and DID ABSOLUTELY NOTHING for 8 months.
To make matters worse, I started researching into the issue, and was given a run around. HSBC referred me to the City property tax office, the City referred me back to HSBC. It took a lot of pushing to get to the bottom of the story. HSBC finally agreed to look into the matter, and concluded that it was a mistake on their end and they have " advanced all penalty/interest to my escrow account '' to compensate for the interest payment and any associated fees that were deducted from my escrow account. Great, problem solved! so i thought.
Eh, maybe not. A month of XXXX later, i checked my statements and it turns out the refund was never issued. Here i am on the phone with them again for the last hour or so, getting transferred from department to department. The answer that i get now is that they are waiting for the city to give them a refund, so that they can then issue it to my account.
WAIT, i thought the letter said they have " advanced all penalty/interest totaling $ XXXX to your escrow account, along with a lien cancellation fee in the amount of XX.
Now they 've put me on hold again ... ..
|
| 12/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I booked some flight tickets in XXXX using my HSBC credit card for travelling in XXXX. I paid the credit card bill before the due date. Due to COVID, flight got cancelled and airline declined to refund the amount I paid. I raised a dispute with HSBC and they refunded the money in my credit card account in XXXX which resulted into a big surplus balance ( more than USD XXXX ) in my credit card account. I started using that balance by using that card for all my shoppings and other expenses. Till XXXX XXXX, I could use more than USD XXXX. I still had around XXXX XXXX surplus balance left in the account. After few days, when I checked the balance, I found that balance was nil. I called HSBC customer service and found that they issued a check for the balance amount without asking me and they dispatched it through mail. When I called them after few days to inform that I hadn't received that cheque and I wanted the tracking details, they said they can provide tracking details only after 14 working days from the date of dispatch. I waited for 14 working days and then they said they don't have any tracking details since it was sent through ordinary mail.
I waited till XXXX XXXX and then called them again and asked them to issue a new cheque, dispatch it through XXXX or XXXX and share the tracking details. They said they will act on it and will share the tracking details by XXXX XXXX. I called them on XXXX XXXX, they didn't have any update. I called them on XXXX XXXX, and they still don't have any update. So after wasting a lot of my time and efforts I don't have any cheque or any money in my hand without any responsibility being accepted by HSBC for the mess they created.
|
| 11/03/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
OnXX/XX/XXXX, I and XXXX, where I am a XXXX XXXX XXXX, signed an agreement that I would receive 4 credits in XXXX XXXX for my XXXX. This was based on meetings at the accounting department, conference calls and emails between The Department Chair, Advisor and Registrar.
The 4 credits were crossed out and reduced to 3. I received some explanation that did n't make sense, but did not make a fuss. OnXX/XX/XXXX I called the school and was told that I have to pay in order to view my unofficial transcripts. I immediately allowed the system to make payment. However, I saw that there was no title to the course, just a generic course type XXXX XXXX.
I contacted the registrar, bursar, bank, Chair and Advisor. How could this be. Our signed agreement specifically states the course title and amount of credits. Unfortunately, the only way for me to see that was AFTER I made payment. Their response was unsatisfactory. I sent written notification to the bursar tgat they are unauthorized to makethe payment.
I contacted the bank. XXXX refused to help or stop payment. I asked for a supervisor. XXXX at extension XXXX left me on hold until the call timed out. I sent written notification to the bank.
I do not need the credits to graduate, but wanted the specific tax course notation on my transcrips.
I will be contacting the Attorney General 's office and am waiting for XXXX XXXX XXXX to contact me with the address to send a formal complaint.
Meanwhile, as HSBC was unresponsive, I ask the CFPB to ensure that this unauthorized charge does not go thru. I did not get what I was told that I would get. I had to pay to find that out. The bank refused to stop payment despite my call and email.
|
| 08/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XXXX Mortgage dba XXXX is a servicing entity for HSBC Bank. We are trying to obtain a satisfaction of mortgage on an old HSBC loan XXXX HSBC was successor in interest to the original lender ). This loan is paid and we have followed normal procedure to obtain the duplicate original satisfaction. PHH ( also known as " XXXX '' ) as verbally confirmed the loan was paid. We faxed our original request for the satisfaction on XXXX XXXX, 2015. Since then, we have made numerous requests to get status on this matter. As of XXXX XXXX, 2015, we have been contacting them twice per week ( via phone, fax or email ) to obtain status. We are told " a manager will call us back '' and not once have we had a return phone call, or even any correspondence from them concerning any one of our numerous inquiries. As per New York XXXX Law, Article 8, Section 275, a lender is required to provide the satisfaction upon payment of the lien in full. Paraphrased herewith is a summary of the law : " Failure by a mortgagee to present the certificate of discharge for recording shall result in a mortgagee being liable to the mortgagor in the amount of {$500.00} for failure to present the certificate in 30 days ; for {$1000.00} for failure to present the certificate in 60 days ; and for {$1500.00} for failure to present the certificate in 90 days ... ''. We do not wish to obtain any monetary compensation or penalty for their gross negligence, but wish to have this matter resolved ASAP and have them produce the duplicate original satisfaction so we may have it recorded in the land records which will allow us to proceed with closing of the REO sale which is being delayed due to this matter. Thank you.
|
| 02/01/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I started the process of opening a Direct Savings account with HSBC on XX/XX/2020. At that time, the advertised rate on the website was 2.05 % APY. see https : //www.us.hsbc.com/savings-accounts/ After a couple of weeks, the account was approved and I transferred my funds. I got my first statement at the end of the month, and saw that my actual rate was 2.00 % APY. Around the same time, I received an email notice that the rate would be dropping to 1.85 % APY on XX/XX/XXXX, around two weeks after I opened my account.
I contact HSBC to request that I be given the advertised rate, and they denied my request but acknowledged my complaint. The terms on the website state that " APYs are variable and subject to change after opening. '' However, given the cost, both in time, and potential fees, it seems unethical and unfair for the bank to change the rates so soon after the account is opened, and by such a large amount ( a 10 % reduction in the rate!! ).
Had I known that the rate would change so suddenly, I never would have gone through the time and effort of opening the account.
Further, there is a charge for closing the account within 180 days of opening it : " Account Closing {$25.00} If your account is closed within 180 days of opening. '' Additionally, as of the writing of this report, the rate displayed on the HSBC Direct website is 2.00 %, but according to the email that I received, the actual rate that a new customer can expect is 1.85 %, which is apparently false advertising. If HSBC knows that they will be changing the rates in the coming weeks, they should be required to change their advertised rates to reflect what the customer will actually receive.
|
| 10/07/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/XXXX I was in a car wreck but was making payments on bills. I assumed debt was paid off. However about two years ago someone acting to know me called me at work when I noticed it was n't anyone I knew I hung up phone. I was servered papers by someone that was very rude and got me in trouble with work stating they where going to have a court date and begin garnishment of my wages however I was in college at the time and not getting paid for my work I was in a training position volunteering my time to gain knowledge of my profession. Creditor XXXX and XXXX took my XXXX dollars of a student loan I was getting to pay for my classes I have records from Navient to prove this fact and caused problems with my courses because they took my funding for college courses at XXXX XXXX XXXX which I also have records showing I was in college there from XX/XX/XXXX to beginning XX/XX/XXXX then I was at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. I lost my position at XXXX due to harassment by creditors on business phone. I was recently highered by a collision center XX/XX/XXXX about two weeks ago I was served again garnishment papers which then also got me in trouble with my work that to is only a training program but I do get paid enough to pay for tools needed for my jobs duties. I missed payments on my tools due to garnishment and it 's causing problems at my work. For several month I received calls about this debt and still have them saved on my phone. I was not given any chance to defend myself either and talked to an attorney which said there is a statue of limitation on debt of 6 years however it 's been over 14 since. I hope something is done about this.
|
| 04/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
XX/XX/XXXX - International Wire Transfer to XXXX XXXX XXXX in the amount of XXXX USD submitted. ETA of Transaction available at the recipient bank on XX/XX/XXXX.
XX/XX/XXXX - Contacted HSBC support to find out about the status, as one of the wires for a smaller amount submitted on the same day had cleared. I had asked for the MT103 document to ease troubleshooting. They asked me to wait for the XX/XX/XXXX date. Sent an email to the premier team supporting the relationship which remains unaddressed.
XX/XX/XXXX - Contacted HSBC support over phone to find out about the wire status, as the money was not received. I asked again for Mt 103 to expedite troubleshooting with the recipient bank. HSBC provided me with UETR and Transaction Reference number and two different support agents refused to provide an MT 103.
XX/XX/XXXX - Contacted HSBC support again, now over chat, so that I could have the long string of characters of UETR in a written form ( the bank refused to email it to me ). Requested MT103 one last time and was denied the document again XX/XX/XXXX - The recipient bank could not locate the wire with the details provided ( UETR and Transaction Reference Number ) and refused to provide the status on the production of the MT-103 ( the wire investigation is open ) This is the second time something like this happens with HSBC - last time it took weeks for the wire to clear and I couldn't pay my parent 's medical bills in a reasonable time.
All the conversations are done over the phone and through their dedicated chat app ( unable to take screenshots )- which it makes it so that I am unable to produce proof of the interactions other than my phone records
|
| 05/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Dear Sir/Madam, I am writing to file a formal complaint against HSBC XXXX regarding the delayed release of inherited funds from my late father 's account. I have followed all the necessary legal procedures, and a judge has issued an order to distribute the funds to me. However, despite my lawyer submitting all required documentation to HSBC XXXX, we have not received any updates or progress from the bank, except for a confirmation of receipt.
The relevant details of the situation are as follows : Bank : HSBC XXXX Legal Proceedings : All necessary legal steps have been taken, and a judge has issued an order to distribute the funds to me as the rightful beneficiary.
Timeline : It has been almost 8 months since my lawyer submitted the required documentation for the first time to HSBC XXXX, but there has been no action or communication from the bank regarding the release of the funds.
I am deeply concerned about the prolonged delay in releasing the inherited funds and the lack of communication from HSBC XXXX. I believe this may be a violation of banking regulations or consumer protection laws.
I kindly request the Consumer Financial Protection Bureau to intervene and investigate this matter. I seek your assistance in ensuring that HSBC XXXX promptly releases the funds as ordered by the court. Furthermore, I would appreciate any guidance or advice you can provide regarding the legal recourse available to me in this situation.
I am available for any additional information or clarification you may require. I appreciate your attention to this matter and your efforts in resolving this issue.
Thank you for your prompt action and assistance.
Sincerely, XXXX
|
| 06/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I purchased a hotel room through XXXX for {$690.00} for a quadruple room for 4 people at the XXXX XXXX XXXX XXXXn FL. Once i received my confirmation email I was booked for an private owner condo.
I contacted the hotel number that was provided and found out that this was a XXXX XXXX XXXX XXXX and the owner did not have a room that can fit 4 people and does not list any rooms with zenhotels, doesnt even recognize the company.
i contacted XXXX and emailed screenshots with the descrpency between what was booked and what was on the confirmation page. They recognized the mistake but stated that the room was non-refundable and that they would need to investigate to determine how to resolve the issue and could not refund me at that time.
i then contacted my credit card company HSBC and disputed the charge, they initially refunded the money back to me but then charged it back due to the charge not being considered fraud.i then enetered another dispute and listed as billing error and provided the company with multiple emails.
XXXX XXXX eventually agreed that i should be given a refund but stated that i would have to wait for my bank to grant the chargeback.Email provided.
Since then HSBC has stated that XXXX has confirm the charge by providing my information ( duh since i made the charge ) and has granted XXXX the phone without looking at my proof of billing error.
They have also charged me an additional {$690.00} on XX/XX/XXXX for the same charge. I know have almost {$1300.00} worht of charges from the one merchant for something that i did not book as well as did not use.
No one from HSBC dispute department has given me a call or email me back
|
| 08/11/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XXXX XXXX has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA.
I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( XXXX ) on XXXX/XXXX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt, it merely proves that your company seeks to collect the specified amount.
Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA.
I Request : -Proof that XXXX XXXX Owns the debt/ debt has been assigned.
-Copy of Statements from original creditor, HSBC .
-Copy of Original signed loan agreement/ credit card application.
Furthermore, I challenge the ability to collect a debt which is past the statute of limitations. In order for this alleged debt to be mine, it would have had to become first delinquent in XX/XX/XXXX, well past the statute. Attempt to collect as debt past statue is a violation of FDCPA ( section 809 ) and places XXXX XXXX in a positon to be fined and sued.
Finally, I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
|
| 08/19/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
I am in the process of getting a HELOC from HSBC and am getting ignored by the bank for the past 3 weeks after they had sent me a letter of conditional approval. The customer service provided is by far abysmal.
XX/XX/XXXX - I received an email from XXXX ( mortgage processor ) on the conditional approval and a note that she will reach out within 5 business days for next steps. " I will contact you within 5 business days to address any questions you may have and review outstanding documentation.
XXXX - 5 business days have passed and NO ONE from HSBC reached out. I sent a note to XXXX and CC'ed XXXX ( mortgage consultant ) as a follow up. And to my surprise XXXX is out of the office and XXXX XXXX ( mortgage processor ) would be the back up contact.
XXXX - XXXX XXXX for help on the next steps. No response. XXXX only provided an email and no phone number. So was only able to email and cant even call.
XXXX - Reach out to XXXX again for support. No response. Even called him multiple times. No one answers the phone with the answering machine saying to email.
XX/XX/XXXX - Tried calling XXXX again to no response. Why bother having a phone number when no one answers?
XX/XX/XXXX - Called customer service and they advised would reach out to the Manager to check on status.
XX/XX/XXXX - NO RESPONSE FROM manager either and its been 6 days. Seems like a pattern here of just ignoring customers. Reached out again to customer service for update and was told someone was looking into it.
XX/XX/XXXX - Called customer service again as this is just getting ridiculous. Finally got someone on the phone who seemed to actually care and will follow up with the Manager again.
|
| 03/01/2017 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
We are negotiating to purchase a property in XXXX New Hampshire, USA. We live in XXXX, XXXX XXXX. Lender is HSBC International. With two weeks to go before closing, HSBC says the underwriter needs repairs performed on the home before they will close and transfer title. The seller, XXXX/XXXX says the house is being sold " as is '' ( Bank Owned, Foreclosure ) and will not allow repairs to take place prior to closing. Neither side will budge. HSBC gives us no time to secure alternative financing and we risk loosing this home and our deposit of {$5000.00}. We provided everything they asked for in a timely manner but HSBC has dragged their feet, not answering or returning phone calls or emails in a timely manner. We offered to HSBC for us to put funds for said repairs into escrow allowing them to be confident that said repairs would take place after closing but they refused this offer. We feel we have been deceived as we have been pre approved for the mortgage, are putting 30 % down and putting {$10000.00} into a HSBC bank account for the life of the loan. The value of the home as it sits is far greater than the amount we are borrowing. XXXX pre approved for {$70000.00}, financing circa {$55000.00} ) We are devastated that we and everyone involved have put so much time and effort into this transaction only for it to fall apart at the eleventh hour. We have escalated this with HSBC asking a manager to take our case back to the underwriters but feel that HSBC does not have a sense of urgency and are giving us the brush off. This is not the " World Class Service '' that HSBC advertises. This is an XXXX, we have fell in love with, and do n't want to loose it.
|
| 12/09/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I received a text message from what appears to be an HSBC address saying that suspicious activity has been detected on my account, and to verify my account details to prevent suspension of my account. This seemed fishy XXXX, so I called HSBC directly since their website does not allow me to log in unless I have an active account, which to my knowledge I do not. The phone system HSBC employs will also not allow callers to speak with a representative unless they either have an active account or lie about the nature of their call. In my case after a half-hour spent trying to navigate through their many menus and failing to get a live operator, I pressed the key sequence to tell them I was interested in opening up a new account, which produced ( surprise, surprise ) a live operator waiting to take my money. After explaining the situation to this operator, they told me this was a fraudulent text, but could otherwise not assist me to make sure that there was no other fraud happening in connection to my identity or former account information.
While I completely understand HSBC has no controls over scammers using their name in their attempts to commit fraud, the fact that HSBC makes it not only difficult but nigh-on impossible to speak with a live human being goes beyond the pale, especially since they are active targets of fraud attempts. As a past customer of theirs whose vital details are in their system, I find it extremely alarming that they care not one whit for customer relations unless you are handing them money on an active basis. After all, I have no control over or knowledge of their IT infrastructure and they clearly have little to none either.
|
| 02/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I went to get my hair highlighted at XXXX XXXX. I asked for blonde highlights on my natural brown hair. Bottom line, they turned out orange. I was charged {$110.00}. Granted, I left without getting blown dry because I had to be at work. The hairdresser ran a half hour behind my appointment time, which I understand things happen, but it was a rushed job and highlights/ color on long hair can not be rushed. Anyway, the front of my hair looked blonde and pretty, however, the back of it was all orange. I had not noticed that until I got home after work that day. I called the Salon to reschedule another appointment to get it fixed. I went back on XX/XX/XXXXand was charged another {$60.00}. It still was orangey. I ended up going to a different salon ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and spending another {$130.00}. After not one, but TWO hair stylists at XXXX took a very good look at my hair, they found pieces that were bleeding, unevenly distributed highlights, color tone that was off and as mentioned, a ton of orange pieces. I was told I had a good 8 hours of work needed to fix my hair!! HSBC is giving me a hard time disputing BOTH charges. They reversed the {$60.00}, but not the initial charge of {$110.00}. Obviously I was not happy with the results because I went to a different salon so why am I still being charged?? I have tried to attach a letter from HSBC refusing to credit the {$110.00}, and I also have a letter from XXXX explaining why it should be credited and the amount of work needed to fix it, however I am having problems uploading it on here. I will definitely mail both documents in to be reviewed.
Thank you.
|
| 02/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I received an offer in the mail from HSBC to get a {$370.00} bonus if I were to open a new checking account, bring in {$10000.00} of new money and leave it on the account for 90 days at least.
I opened in XX/XX/2019 a new checking account at HSBC, as a new customer and deposited {$10000.00}. In XXXX, I called HSBC customer service telling them that I wanted to close the account but noticed that the {$370.00} bonus was not deposited. They said that they would open a case but that I could not close the account if I wanted the bonus. I then went to a branch and withdrew my {$10000.00} through a cashier 's check, waiting for the bonus to get credited soon.
In XXXX, still no {$370.00} and I had received a letter stating that my account was overdrawn and in collections. I called HSBC customer service to understand what was happening. They said I was charged a monthly maintenance fee since I had not met the minimum balance requirements. I told them about the open case for the {$370.00}, which was the only reason why I did not close my account, waiting for the money to be credited to my account. They said they would look into it, make sure I get the {$370.00}, send me a check and close the account. And as a courtesy wave the monthly maintenance fee I was charged!
In XXXX, I received another letter from HSBC stating that my account was overdrawn and in collections. I called HSBC customer service again and someone said they had to look into the case that was open for my {$370.00}. They called me back that afternoon to outline ( without explanation ) that I did not qualify for the {$370.00} they had promised me and that they had closed the account.
|
| 12/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Today, XX/XX/XXXX, I received a phone call from XXXX at XXXX XXXX XXXX in Georgia. He told me he was attempting to collect a debt owed to HSBC Bank in the amount of XXXX. I was informed that this account was opened in XX/XX/XXXX at an address that I have not lived at since XX/XX/XXXX. When I informed him that not only did i not have an account with HSBC and didn't live at the address when that card was opened, he basically disregarded me and said I'd have to go to court to dispute that. He refused to provide any further information stating that some credit cards have a small hsbc bank written on the bottom of it but he couldn't give me anything more than HSBC and the account balance. He also informed me that he would only email me the affidavit of claim and i had 24 hours to decide if i was going to make payment arrangements or have it go to judgement.
After I hung up I called HSBC bank who informed me they had no record of me having an outstanding debt with them or in collections.
I found out some of my rights to information from cfpb and contacted the company back. When I called they tried to verify the last 4 of my social which i refused and was hung up on. The man XXXX I spoke too called right back and was nasty asking me what I wanted. I asked him to please provide a copy of the affidavit via mail ; he refused stating that " it's too easy for people to claim they didn't get the letter ''. I told him he's required to send correspondence via mail and also to provide who my creditor was as well as giving me 30 days to dispute. He said he wasn't required to do anything, that he was marking me as a refusal to pay and hung up on me.
|
| 09/29/2016 |
Yes |
|
|
|
Web |
|
|
In XXXX XXXX, I accepted a Balance Transfer/Cash Advance offer from HSBC for 0 % until XXXX. I understood that this only applied to the balance transfer and that purchases and fees needed to comply with minimum payments and the card interest rate. I expected this to be as other Promotions from other banks make monthly, periodic, or a balloon payment prior to the end of the term and no interest would accrue. Payment was made in XXXX for all purchases and transfer fees in full. As was not using the credit card and did not plan to pay the balance until XXXX XXXX or XXXX XXXX, no payments were made in XXXX, XXXX, nor XXXX. In XXXX I noticed, late fees upon late fees, interest charged on the late fees. I met at the branch to resolve the matter. HSBC reversed the fees and interest but with no notice to me closed the account and reported delinquency to the credit bureaus and changed the interest rate to 30 %. Now then, I am a " Premier '' customer and HSBC is refusing to rescind the negative reporting, refusing to reopen the account, and presumably has put the account out for collections. All of this with no communication to me. Up until XXXX I enjoyed FICO scores in the XXXX 's. Because of HSBC FICO is now XXXX. I have no problem to pay the balance immediately. Payments have been made XXXX, XXXX, XXXX, XXXX, and already XXXX has been paid. I demand the negative reporting be reversed. While it is technically true that payments were not made the explanation is true and valid. There is nothing written in the Promotional offer that states that the balance transfer amount will be calculated as part of the minimum payment due as with purchases.
|
| 11/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Dear CFPB officer I am writing to express my deep concerns regarding a significant issue with HSBC US Bank and to request your assistance and intervention. In XX/XX/2023, I opened a checking and savings account with HSBC US, which I have been using for normal financial activities. However, recently, I received a letter dated XX/XX/2023, from HSBC US Bank, informing me that my account will be closed after XX/XX/XXXX, with no explanation or reasons provided.
I am extremely puzzled and dissatisfied with this abrupt decision. I have been consistently following HSBC US Bank 's policies and regulations in the use of my account, and no violations have occurred. My account is an integral part of my regular financial life, primarily used for investments through platforms like Interactive Brokers and XXXX XXXX. I have always complied with relevant regulations and maintained sufficient funds in the account. Therefore, I find it highly perplexing and inconvenient that HSBC US Bank has decided to close my account suddenly.
I request the CFPB to investigate this matter to ensure that my rights are not infringed upon. I hope HSBC US Bank will reconsider their decision to close my account, as it will cause significant disruption to my normal financial and investment activities. If there are any concerns about my account activity or usage, I am willing to cooperate by providing any necessary information and explanations.
I kindly ask the CFPB to promptly intervene and investigate this matter to ensure the protection of my legitimate rights. I greatly appreciate your assistance and attention and look forward to a swift resolution.
Sincerely,
|
| 05/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was contacted initially by XXXX document verified services with a reference number and phone number of legal office to contact. When I called the number that was provided to me, the name of the company was XXXX XXXXXXXX XXXX. I provided the reference number I was given by XXXX. They had my name and last four of my Social Security number and claimed that they had documents for me and I was being sued by HSBC Bank for a credit card through XXXX XXXX that I had and it was closed out approximately 15+ years ago. They claimed they would email me the official debt documentation and that hardcopies were being delivered to my home because I was being sued. They told me that they would work with me on making payments at a 30 % of the balance and developed a payment plan with me. They sent me a text message where I was able to verify the agreed payment plan. I provided a debit card and made a {$300.00} payment. After getting off the phone I was told I would be emailed the agreement which never came and I started to become worried that I was scammed so I called HSBC bank and provided the account number that was given to me by XXXX XXXXXXXX XXXX. I also provided my Social Security number to HSBC Bank to look up and see if I had an account with them. It was linked to a Social Security number that it may have been previously closed out and there was absolutely no record of me on file for any type of debt. I contacted XXXX XXXX XXXX again and they were unable to provide me with said documents and had no answers for me as to why my information wasnt on file with the company that they said was suing me. I made a {$300.00} payment over the phone.
|
| 09/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
In XX/XX/2019 I received a text from HSBC asking was I trying to charge XXXX at a grocery store. I was not and texted no. I received a text back to contact the fraud department. I contacted them and the filed a fraud report. They person on the phone told me I would receive a form to complete in the mail. I received the fraud affidavit form and returned to to HSBC. I heard nothing back from HSBC. In XX/XX/XXXX I noticed my HSBC card had a balance on XXXX XXXX and contacted HSBC. My account had a XXXX balance. I never use this credit card. HSBC wrote me back and said the fraudulent charges had been removed and I was not responsible for them. I asked over the phone should I file a police report. I was told I should not. In XX/XX/XXXX I started getting collection calls from HSBC for the fraudulent charges. They referred me back to fraud department. I was told to file a police report and I did and gave them the report number. a month later I started receiving collection calls again. A few weeks later the HSBC collector refereed me to the fraud department and they requested a copy of the police report. I provided the report and they said I would hear from them in 10 days. That was XX/XX/XXXX. I have never gotten anything in writing about the fraud claim. After I spoke to collections I was told from that department that the fraud claim was denied. I asked the fraud department why the fraud claim was denied and why I had never gotten anything in writing as credit card companies are required. They did not answer my questions. All of the charges were made on the same I a received the text. I have never used this card in a store on online.
|
| 08/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On the evening of XX/XX/2019 my credit and debit cards were stolen from my wallet out of the locked locker at my local gym. I realized this on my way home when I began receiving fraud alerts on my phone from the various card companies. I answered each fraud alert and cancelled the cards one by one. The thief managed to charge almost {$5000.00} worth of merchandise on one card, which the card company ( XXXX ) quickly rectified. My XXXX credit card, XXXX XXXX XXXX debit card and HSBC debit card were all used or attempted to be used. XXXX and XXXX XXXX XXXX quickly wiped out any fraudulent charges. I made a police report at the XXXX XXXX in XXXX County on the morning of XX/XX/XXXX.
HSBC, despite sending me fraud alerts that something was amiss, cleared one charge, but not another transacted at the very same time for {$510.00}. I filed their Fraud Claim Report with them by mail as requested. They claimed they did not receive it. I then faxed it to the number given to me by one of the representatives in their Security & Fraud Risk Department, along with the evidence I will attach here. Repeated calls to the Fraud Department have been met with the same questions regarding the incident and promises to address the charge within 48 hours.
I have also included an online chat with a representative who promises the funds would be duly credited. The risk officer assigned to my case is named XXXX XXXX at XXXX. Apparently it was this person who claimed the charge was authorized when it clearly was not. I have repeatedly requested a call back from Mr. XXXX. I have yet to receive one a month after the incident, and my account is still debited.
|
| 04/20/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My husband and I took out a VA loan through HSBC in XX/XX/XXXX. In our opinion they are the least helpful, underhanded, and most intimidating company we have ever dealt with. I will not go into the debacle of a loan modification they offered to us in XX/XX/XXXX when my husband was suddenly laid off and we nearly lost our home. What I am complaining about is a ' late fee payment ' they are assessing me. I have called customer service numerous times to try to find out why I was being charged the fee. Experience with HSBC has taught me to take notes whenever I call them, including date/time/name of agent/and what was discussed. Three times I was told that my complaint has been reviewed and the charge removed. It has not been. I have now recently received a 'form letter ' from HSBC that only advises me of what their late payment fees are and why they collect them. Well, I need to know WHICH payment they claim is late do that I can get my bank statement and other necessary documents to prove my claim. The amount is {$19.00} but I refuse to pay it unless they can provide me this information. It is important because it is their common practice to not provide correct timely information, 'back date ' correspondence, and force me to make numerous calls explaining my situation over and over again to different customer service representatives who either tell me the issue is resolved or they have submitted a ticket for review. This bank is unprofessional and the left hand doesn't know what the right hand is doing. I would appreciate your help in this matter. I am currently looking into refinancing with my hometown bank. Run far away from HSBC.
|
| 02/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On this day I informed the agent that the debt was past the statue of limitation as the date of last charge ( payment by myself ) was in XX/XX/XXXX. I further stated that the debt has been sold to several collection agencies and that they continued to add interest to the account but that was not the date of last charge by myself. The agent told me I was more or less imagining things and that the date of last charge was in XX/XX/XXXX. I then informed her that the statue of limitations in Oregon is 7 years so it would still be statue. The women became very angry and raised her voice. I told her not to contact me anymore. She said that she would contact me because this account was not past the statue of limitations. About an hour and 40 minutes later they called back and I spoke to the same woman, who said that she was in litigation. She said that they were going to sue me. I again informed her that the account was past the statue of limitations. She said that the account was sold to 3 collection agencies and that the last time interest was added was in XX/XX/XXXX. So, again, it is still past the statue of limitations. She started yelling at me and I disconnected the call. Previously, I contacted by telephone and ( I assume the same people ) identified themselves as process servers and that they had papers to serve to me. ( This was approximately in XX/XX/XXXX. ) They would not give me a case number. I contacted the state of Oregon for a local attorney recommendation and then spoke to an attorney in XXXX. He told me that it was unlikely that they had filed papers otherwise they would have given me the case number of the court case.
|
| 10/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Company name : HSBC Bank USA, NA I'm an XXXXXXXX XXXX with residential address outside USA ( in XXXX XXXX actually ). Early this year ( around XXXX or XXXX ), as one of the HSBC Group 's policy for international banking customers, I applied and opened up an HSBC USA Checkings and Savings account and received my debit card in XXXX. After the account had been opened, I did purely nothing but only transfers between my own international accounts ( all the accounts are in my name ) within reasonable scale. I then applied for a credit card ( one of their international policy as well as a XXXX customer ), submitted my passport copy, work information and salary slip, and received my card in XXXX.
My accounts and cards were totally fine until XX/XX/XXXX XXXX, HSBC USA suddenly blocked my account and banned me from online and mobile banking. I contacted the bank almost immediately asked for if their was any problem with my account, they said that my account is under review and refused to provide any information about the reasons why they blocked my account or any time frame that they would be review my case.
2 months has passed and it's almost XXXX now. During this period, I contacted HSBC for almost six times, and each time I contacted them they provided basically no info but asked for me to wait.
I've checked with other HSBC USA clients who resides in XXXX and found that they have actually blocked a lot of accounts opened by XXXX customers ( but this is an international function they advertised and provided ). Apart from customer base discrimination, I have a hard time finding a reason to convince myself so I'm asking for help.
|
| 10/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Again, and as it happens in the beginning of this year, and as reported in XXXX yet, my XXXX Mastercard payments and my good standing with XXXX past due since XXXX have disappeared in the latest XXXX credit report and on balance statement. It is to be well noted that this was fixed for a while after escalating it to CFPB in May, but now the problem comes again. Attached are the XXXX report showing the right data and the XXXX report with a blank section for my HSBC Mastercard. Attached are also the card statements of XXXX and XXXX. In the HSBC Credit card XXXX statement there was not any FICO yet printed because the problem was just resolved. Later on in the XXXX statement, it ended-up to appear but just for a short time as transmission and/or processing is interrupted again.
On XX/XX/XXXX I filed a complaint as XXXX had stopped computing and publishing my XXXX score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my FICO scores for more than 7 months. After investigating with HSBC US NA Bank, where I do have a Premier Mastercard account since XX/XX/XXXX with XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX from HSBC US bank certifying that they do properly report to XXXX all my financial payments. In addition, I can see some of my financial data appearing within my online XXXX account where the year XXXX and XXXX are fully missing. This is the proof that XXXX knows about my account at HSBC US but do not investigate on the failure root cause and do not show enough willingness resolve the issue once and for all.
|
| 09/17/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Re : Notice of Default - Right to Cure dated XX/XX/2020 Please be advised this notice/action is being disputed. This serves as written notification to Select Portfolio Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX None the previous correspondence has been sufficiently answered. SPS actions, are unwarranted, unwanted and continue to be erroneous and suspicious of fraudulent activity.
As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC ( Beneficial ) and XXXX XXXX Servicing, XXXX XXXX XXXX XXXX continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of HSBC and XXXX. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by HSBC and/or XXXX or affiliates and/or associates for any debts claimed by these untrustworthy entities. XXXX including but not limited to, HSBC, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached.
1. Provide a full and detailed accounting of this alleged account.
2. Provide any and all inspections conducted on misidentified property in the last 12 months with reason why they are being conducted.
3. Explain the legal description contained in alleged security instrument and explain how it differs from the property XXXX continues to fraudulently inspect and erroneously pretend to service. XXXX has been repeated told the legal description noted in the security instrument is not the legal description of XXXX XXXX XXXX XXXX. They refuse to research and provide legitimate response.
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| 09/26/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Banking errors
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Web |
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I filled a name change at my online bank ( HSBC, XXXX ) of which they forwarded me a secure email under a XXXX format ( automated signature done via email XXXX XXXX XXXX? XXXXXXXX XXXX ). The documents they requested were an id, a document showing the name change like my marriage certificate, and they also asked for my full social sec #. I had no issue since it was via a secure method and from/through my bank.
They just sent me the executed docs via email ( unsecured /no protection ) which contained the image of my license, marriage certificate, and the doc containing my signatures and Full Social Security number. I was leery of my social # initially being submitted, but did confirm it was a secure method so my concerns lessened. I was not aware they were going to send it back to me in what appears to be an unsecured format.
I responded to the email indicating that they sent all of my personal identification info through unsecured methods as well as called HSBC to file a complaint. On the call they said their emails are encrypted if sent from HSBC but, again, I dont see it. Also the email sent back was from XXXX under the HSBC name so I dont know if that is something that is auto generated from the vendor they use, which may very well not be secure. Since I dont know if my complaint to them will go anywhere, I thought I would file this with you as well. I have my credit frozen from the credit bureau breech but this is awful to send all of that data out for anyone to pick up. Since they are an international company, if they are sending unsecured emails out w/ PII then that should be also violating GDPR in the XXXX XXXX
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| 02/23/2017 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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This is in reference to a time-barred debt. Last payment was made XX/XX/2011 from a repossession auction. Another collector tried collecting this also, but withdrew when i was having a lawyer represent me in court. The debt was time-barred at that time also. They are now calling my personal phone and anyone they can at my employer. I have requested they not call here due to my employers policy against this sort of inquiries. I requested they send me the info about this matter. FDCPA states they have 5 days. Lady on phone argued it was 30 and asked why in never responded to any of the paperwork they sent. I informed her that i never received anything from them. A gentleman i talked to yesterday stated this was about a breech of contract, but the lady today stated this was a lawsuit and an attempt to gain asset info from my employer to garnish wages, all while trying to strong arm and intimidate me. She seemed to have no concern or knowledge of this FDCPA regs. She didnt state the company name, reason, anything of that sort. All required per FDCPA. She also told me i needed to get another lawyer as my current lawyer doesnt know anything. I was told from the gentleman the other day that the name of their company ( which i had to ask for ) was XXXX. I found nothing on just that but did find info on some companies with the same letters as name, but spelled out. I believe i found the right info in my search then as a post i found, people have explained the same exact thing that they are doing to myself. i have added the post link below. I would really like to have all of this stopped as i 'm trying to move on from my past.
XXXX
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| 04/12/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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HSBC froze my assets without notifying me and this resulted in returned payments for my mortgage ( XXXX Bank ), credit cards ( XXXX XXXX and XXXX ), auto loan ( XXXX XXXX XXXX ), and electric utility ( XXXX ). I was unable to access my funds held by HSBC.
When the payments were first returned, I was assured it was an error and that all automatic payments would go through without delay. Nevertheless, additional payments were returned. HSBC later informed me that HSBC provided incorrect information and that all payments would be returned.
At no time did HSBC acknowledge the issue and instead dismissed me suggesting I should have simply used other bank accounts to pay my monthly bills. My entire paycheck is deposited with HSBC, and I had no other account or funds available. HSBC had no problem holding onto my paychecks during this incident.
Altogether, I received late fees and interest charges amounting to several XXXX dollars. This could have been avoided if HSBC proactively communicated about the potential fraud issue rather than waiting for me to contact them after returning my automatic payments.
Several HSBC representatives confirmed that I would be reimbursed and would receive a call back. I never received a call back.
I placed another call today and the representative said I would not be reimbursed and should instead work with the merchants directly. The merchants have declined to assist and instructed me to work with HSBC as it was HSBC 's fault and HSBC should be held accountable.
I have spent more than XXXX hours on the telephone with HSBC and the impacted merchants to resolve this issue with no result.
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| 04/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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This is in regard to original complaint nor XXXX submitted XX/XX/21 regarding HSBC not making payments available as credit in a timely fashion. I received your response yesterday and it is completely unacceptable. You forwarded their response that points out that the cardholder agreement allows UP TO 14 days to make the funds available. They sent that to me as well. They can put anything they want in the agreement ; however that is not the problem. They need to be audited to discover where the funds paid by thousands of customers are shown in their accounting. My suspicion is that it is shown as reserves. It is not. The money represented by these payments is not theirs to use in any manner they wish. If not illegal it is unethical. The funds are deducted from my checking account and shown as received by HSBC but not available to me. You can't just forward their non-answer and call it done. It's not. Where is MY money for 14 days? It is your responsibility to find out. You can communicate to them that I am not without recourse in this matter. I can, ( and I will if forced to ) ATM the entire available credit and stop paying them altogether. My credit will take a hit but they will have to sell the debt at a loss to a collector whom I will happily pay. In addition this situation occurred because they lowered my credit limit without notification to me and I had a purchase denied. Their notice to me claimed I was sent an e-mail telling me of the limit reduction. I received no such e-mail. I received a letter in the mail on XX/XX/21 long after the reduction. None of the reasons for the deduction apply to me. ( see attachment ).
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| 03/18/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX XXXX XXXX XXXX has contacted me on XXXX separate occasions about a balance due on an HSBC-XXXX Bank Credit Card that was open sometime in XXXX and presumptively closed in XXXX. When I asked for more information about this past due account I am not provided any information. The balance in the collection notice states that I owe {$1300.00} but when I am told the balance is approximately {$2800.00}. I took sometime to contact HSBC XXXX -Bank about this account on XXXX XXXX, XXXX and learned that I have never had a past due balance nor has my account ever been placed in a collection status. Furthermore they informed that all HSBC-XXXX Bank Credit Cards were sold to XXXX XXXX in XXXX. I contacted XXXX XXXX on XXXX XXXX, XXXX at approximately XXXX and spoke with a customer service representative who confirmed that my previous HSBC XXXX Bank XXXX with a balance of {$1300.00} was purchased by XXXX XXXX in XXXX and was never sent to a third party collection agency. My account is still current open and in a good standing. Also when the account converted over to XXXX XXXX I was given a new account number to go along with the new XXXX XXXX Card. I spoke wit XXXX XXXX XXXX XXXX about this account again and informed them that XXXX XXXX and HSBC both confirmed that my account was never sent to collections. XXXX XXXX XXXX XXXX stated that my account has never been transferred over to XXXX XXXX and that they are demanding payment. They stated that they will take legal action in XXXX and request a judgement against me. I have asked them to cease further contact and I have sent them a letter but they are still continuing to contact me.
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| 09/30/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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XXXX/XXXX/XXXX received a promotion as below Starting XX/XX/XXXX you can earn up to {$180.00} over the next six consecutive calendar months by simply using HSBC for your everyday banking. Offer ends XX/XX/XXXX.
In XXXX and XX/XX/XXXX i have completed these qualified transactions and received {$30.00} ( {$15.00} for bill pay and {$15.00} for debit card transactions ) for XX/XX/XXXX posted on XX/XX/XXXX as i didnt receive credit for XXXX transactions, i have contacted HSBC so many times, end of XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ), they keep saying they escalated the issue and get back to me but no hear from them. it supposed to post it on my account 8 weeks after completion- it means it should post it end of XXXX per their customer service. it has not been posted and i waited till end of XXXX and the account to be active. i didnt hear anything. to avoid any fees on account, i closed the account today but i should be eligible to revieve this fund as this credit should be posted end of XXXX and my account was active.
Please see attachment for their promotion offer email and my transactions as proof of eligibility. transactions shows " XXXX '' next to it are XXXX transactions and credit for those transations are posted. ones for XXXX were not credit yet - more than XXXX debit transactions for XXXX and more than XXXX bill pay for XXXX that should qualify for {$15.00} each credit. whenever i called the customer service, they had different excuses that is not true statement like this offer is not for you ... or promotion ended in XXXX... i have a proof of email from XXXX and they finally agreed but no credit was posted.
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| 03/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On around XX/XX/XXXX, I attempted to book travel using the HSBC travel portal utilizing my reward points. When I tried to complete my transaction, I was told that there was an error processing the request. No points were deducted from my rewards point account, and a pending charge showed up on my card. I expected this charge to reverse since the transaction failed and I did not receive what I attempted to purchase with my points. A week later I noticed the charge posted to my account, so I filed a dispute with HSBC for the charge.
After approximately a month of no reply or notice that anything was being done, I finally received a letter from HSBC asking for more information regarding the disputed transactions. I sent them detailed information outlining the circumstances behind the disputed transactions. After sending this back I assumed the issue was resolved since the charged dropped off of my card. However, I noticed on XX/XX/XXXX, the disputed charges reappeared on my card indicating that HSBC is somehow determining I am responsible for the charges related to a failed transaction where nothing actually resulted in being purchased.
This seems to be boarding on fraud from HSBC bank by deceiving me into using their travel portal with my points, failing to apply the points to my purchase, failing to provide me with what I purchased through their portal, and then charging me for the purchase amount.
To restate : I have received nothing for the purchases in question. I applied points to the purchase ( which clearly did not happen ). There is no question that these charges should be reversed and to not do so is crazy.
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| 05/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
Older American |
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I have an HSBC bank credit card ending in XXXX. I got behind in payments in XXXX and worked out an agreement with HSBC to repay my debt in monthly installments and all my payments since then have been on time. I made my last payment of {$100.00} in XX/XX/XXXX and customer service told me that my credit card balance and interest owed was now XXXX and that I owed nothing. Subsequently, I got an email onXX/XX/XXXXfrom HSBC stating that I had missed a payment and HSBC demanded that I make my payment regarding an account number XXXX even though I do not recognize that account number. When I called HSBC customer service they stated that they had recently changed my account number, although they never notified me in writing or otherwise of this fact. I also began to receive phone calls to my number ( XXXX ) XXXX even though I had previously asked HSBC in writing via certified mail that HSBC not call me or harass me. They keep calling and CFPB must make them stop.
When I call the number that HSBC gave me in its XX/XX/XXXX email claiming that I owe HSBC money to try to pay any remaining balance that I owe, it states that my credit card balance is XXXX and that I owe nothing. Still the calls and letters come asking for payment! I have on ly one credit card with HSBC and that card is no longer valid and was closed in XXXX after I made a credit repayment plan agreement with them. I have honored the agreement, but they have not.
When I ask to speak to an HSBC supervisor at Customer service they tell me none is available. When I call Customer Relations at ( XXXX ) XXXX, they will not put me thru to anyone. I give up!
XXXX XXXX
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| 07/16/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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|
Web |
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HSBC did not communicate to us about closing our account. We used the account to pay for mortgage and utilities and our transactions got rejected. Here 's the timeline : XXXX XXXX XXXX - Opened joint ( me and my wife ) checking and savings account >> XXXX XXXX and XX/XX/XXXX - HSBC fraud operations requested authorization for social security information for my wife >> XX/XX/XXXX - ACH payment to utilities rejected ( utilities provided error message saying account frozen ) >> XX/XX/XXXX or XXXX - Called customer support and they said no issue or block on the account >> XX/XX/XXXX - My wife emailed authorization to HSBC XXXX email with the provided reference number >> XX/XX/XXXX - ACH payment for mortgage rejected ( Bank charged me {$15.00} NSF fee ) >> XX/XX/XXXX or XXXX - Called customer support and they initially said no issue but on explaining the rejection, they found that the account is in the process of closing and asked me to call Fraud operations ( available only from XXXX XXXX XXXX XXXX XX/XX/XXXX - Called fraud operations since my account was suspended. Only now I came to know it was because they did not receive the SSA authorization despite us emailing it on XX/XX/XXXX.
XXXX XX/XX/XXXX - the Fraud operations team could not provide when my funds will be returned.
No where in this entire period did we receive any communication that our accounts will be closed or our account is frozen. I do no know when my funds will be returned.
The customer support told that HSBC tried to call me. I don't pickup calls from number I don't know. They did not leave any voicemail, send me an email or a letter by postal mail.
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| 08/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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Related complaints XXXX XXXX This unknown party continues to call and harass me by " robocalling '' me via my mobile phone. The calls appear to come from ( XXXX ) XXXX and the message left on my voicemail informs me that I must call ( XXXX ) XXXX.
Each message left over the past three days is different, integrating a voice-recording with " robocall '' audio of some data ( e.g. my name ; reference file number ).
Today 's call appears to threaten me that my employer, and specifically the human resources department, will be contacted regarding claims made by this unknown party. The unknown party also threatens, via a pre recorded audio file, that failure to respond will forefit my " right to take care of this matter outside of your county '' and " will result in an order for your appearance. '' The information about this unknown party is very limited and a cursory search online has not led to verifiable information regarding the identity of this unknown party.
The full transcript of today 's message is as follows : -- -- -- This message is intended for XXXX XXXX. I need to verify a current address as well as a place of business address to move forward with the next procedure. At this time you are forfitting your right to take care of this matter outside of your county.
We may be contacting your human resources department to follow proper protocol to deliver your paperwork on the property.
Again, the client is willing to rectify this matter if they hear from you today. Their number is XXXX. For reference your case number XXXX. Non compliance will result in an order for your appearance. This is our third attempt.
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| 06/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I n XX/XX/XXXX the re was a HSBC credit card opened in my name, when I found out about the credit card I took immediate action. I contacted HSBC to inform them the account was opened illegally and that I would be sending a police report over to confirm what I was saying. In XX/XX/XXXX and in XX/XX/XXXX I sent an Affidavit of fraud along with a police report to help me get this off my credit. The company stated that they never received the package which is untrue because someone signed for the information. In XX/XX/XXXX the debt was sold to XXXX XXXX XXXX and when I learned about this, I contacted HSBC to inquire about it. I spoke with XXXX and he was unable to bring up any information in regards to the account and stated that the collection agency should not be collecting on an account he cant bring up. The worse thing about this, is every time I dispute this account with the credit bureaus, HSBC always verifies the account which is strange because they could n't even bring up the information when I called to inquire about the account. This negative account has prevented my from taking out a student loan to continue my daughters private school education and it has also prevented me from moving my family into a better community. The company recently sent me a letter stating that they have closed the account and all collection activity will stop, however the damage has already been done. This company has been trying to illegally collect on an account that is n't even mine. They continued to verify the information with the credit bureaus, when in fact they have n't been able to prove this is my account.
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| 12/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I sold my house in XXXX on XX/XX/2015. My former mortgage holder, HSBC, supplied a payoff letter to the title company which was good through XXXX. A check was sent from closing to, and cashed by, HSBC within the prescribed time. The amount was as they had requested in their payoff letter, and they released their lien on the house. XXXX XXXX XXXX XXXX months later, HSBC sent me a bill for the amount, and started calling me XXXX times a day saying I owed them {$3200.00} more. I sent the bill to the title company, and the XXXX XXXX said that HSBC was wrong and that she would take care of it. A few days later, she said she had spent hours on the phone with them, but got absolutely nowhere. She said they do n't even show that we sold the house. They show that I made a big payment in XX/XX/2015, but that 's it.
At this point, a year and a half after the sale, I still get harassed by numerous daily calls. HSBC has no lien on the property, which is good, but they do n't seem to understand that fact. I just received a copy of a homeowners insurance policy which they purchased in my name for the property as well. I have spent hours on the phone with them myself, but ca n't get a single person to even acknowledge that the property was transferred to another owner. Everyone I talk to at HSBC says, if effect, " there, there, if you are having trouble paying your mortgage, there are programs that can help ..., etc. '' I can never actually get to a discussion of their error because they simply read off canned responses. It is completely pointless. I just wish they would sue me so that I can counterclaim and actually fight this.
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| 02/04/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
Servicemember |
|
In XXXX I filed this complaint and and it still has not been resolved. I submitted the forms through and HSBC affiliate in XXXX and never heard back from XXXX or HSBC.
My original complaint number is : XXXX In XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX an affiliate of HSBC ) and XXXX {$17000.00} as a demand draft ( see attachment ) in preparation for leaving. The demand draft was drawn on HSBC Bank, XXXX. Upon arrival in the XXXX I deposited the demand draft. It was returned without explanation by my US bank ( XXXX ) and stamped " XXXX XXXX XXXX ''. They issued me a check in XXXX of the original ( see attachment ), which I then attempted to deposit at Bank XXXX XXXX. The teller accepted the check and said it would not be a problem. When the money did not appear in my account after several weeks I called and was told that the check was returned and since they destroyed the original I would have to contact the original bank for another one. Since I was no longer in XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX, and they went to the branch with copies of all the attached documents as well as a XXXX. They were told that my demand draft was in fact returned, and the money deposited into my account. However since it had gone dormant, the money was transferred to the XXXX affiliate of XXXXHSBC XXXX HSBC Bank XXXX XXXX I called the HSBC help lines and since I don't have an active account the customer service reps can not help me. I have searched various states ' abandoned property listing and come up empty. I get no response when I email the HSBC addresses on their website.
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| 08/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Received original call from XXXX, left a recorded voice mail. I returned call and Spoke with a Mrs. XXXX stating she was from XXXX XXXX XXXX, XXXX and that I owed a debt from XX/XX/XXXX in the amount of {$940.00} and that I had stopped making payments in XX/XX/XXXX sometime. She asked for personal identification information and then asked if I recalled why I stopped making payments in XX/XX/XXXXand I stated that I did not because that was 7 years ago. She then begin to yell, demand and threaten that since I did not recall any of this they would go ahead and turn it over to the court systems and that I should receive a notification of my court date. I had to yell over her to explain that I she needed to provide me with some written proof of this debt and that I would verify it and then get in touch with her or the company to make arrangements. After a few minutes of yelling back and forth, she calmed down and said that she would have to make a request for someone to send me a copy of the letter that was sent to my address ( which I lived at 10-12 years ago ) and demanding that I call her and only her back that same day as soon as I received the letter in the email. Once I received the letter, It had a different phone number than she called me from and than what she gave me to call her back on. The website address is also not valid, because the entire web page is in XXXX. The address provided on the letter head is also the address of a XXXX Store in XXXX Georgia, but she originally called me from a Mississippi local number. I have not returned her call or made any payment arrangements as I am afraid this is a scam.
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| 05/19/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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Web |
Servicemember |
|
The issue is I purchased a house in Louisiana I XX/XX/XXXX and shortly afterward I joined the military. Since I got stationed in XXXX. I allowed a family member to stay in the house under the condition she would pay the mortgage. Unfortunately she was n't paying the mortgage and I did n't find this out until XXXX XX/XX/XXXX she had n't paid for 42 months. But it was too late for me to rectify the situation. The mortgage was already XXXX dollars in the behind and I do n't know. I had n't received any notification from the mortgage company. Nothing was showing on my credit report. Now the bill is close to XXXX dollars. Nevertheless the mortgage did n't foreclose because I was a military member. So I tried to make some type of arrangements to get the back mortgage under control, but the mortgage company refused to accept any payment less that XXXX dollars, but wo n't foreclose on the property either. I then tried to surrender the property back, but I kept getting the run around and then finally denied for information for not providing information when I did provide it. So now all the property is doing is accruing debts. I have the house up for sell, but now the mortgage representative are lying to my real estate agent saying that ca n't give her a BPO without me revoking my cease and desist. They are using the fact that I 'm in the military as a loophole to allow the property to get deeper and deeper debt. I 'm not even stationed in the state that the house is in. The mortgage company is making every attempt to make any resolution to this issue impossible. The company is trying to force me into a Loan modification.
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| 10/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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HSBC has had authorization for Direct Debit of my mortgage for the past 13 years.
HSBC made me a change of terms offer with unlawful terms, the details of which it failed to provide.
I repeatedly and over a four-month period asked specific questions about those terms. HSBC refused to provide answers, directly or in response to CFPB filing.
HSBC, however, stopped the Direct Debit on its own and then reported me as late, ruining my credit. This is unfair and unethical. My credit score fell by XXXX points as a result and it has remained low. HSBC, a {$200.00} billion-dollar company with record fines for financial abuse has apologized but this is not acceptable to this citizen of limited means who has been harmed by this corporation. HSBC has caused me considerable pain and anguish. HSBC must compensate me. CFPB must investigate this wrongdoing as it is consistent with its mandate and let me know the results. I am ready to provide any additional information needed for this investigation.
I have repeatedly informed HSBC that the money that it failed to withdraw from my account has been in the account all along for HSBC, and it can withdraw it anytime it wants ; it does not need any additional authorization. If it needs me to take actions to fix HSBC error, HSBC must compensate me first.
CFPB should be aware that HSBC knows of CFPB indifference to consumer complaint, and will play the game ( 1 ) will ask repeatedly for time to 'research ' the complaint, and then ( 2 ) respond with a meaningless and unresponsive letter which it knows CFPB website will forward to the consumer automatically and close the case.
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| 07/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXXXXXX XXXX XXXX continues to verify false information on my credit profile. They continue to dispute the accuracy of their own reporting. I have only ever had ( 2 ) HSBC credit cards ever. Both were charged off in XXXX and XXXX. XXXX continues to report that the first date of delinquency was XX/XX/XXXX on one account and XX/XX/XXXX on another account. Although XXXX XXXX services admits that I only have ( 1 ) collection account, they continue to verify with XXXX ( 2 ) collection accounts. I am asking XXXX to stop reporting the account # XXXX They are knowingly reporting ( 2 ) accounts falsely. I have continued to dispute XXXX XXXX XXXX on both accounts as being false as I have proof from the original creditor that these accounts were charged off in XXXX and XXXX. I am including HSBC into this complaint. Because XXXX continues to say these are different accounts. The account numbers do not match up because XXXX and HSBC use different account numbers from each other. In order to link these accounts, I need more proof that these accounts have been re-aged.
I need from HSBC : All accounts associated with my name. I need to verify that I have only owned ( 2 ) accounts EVER. I need exact dates of 1st delinquency, charge off date, dates opened and amounts if you have them. I NEED THIS FOR ALL ACCOUNTS ASSOCIATED WITH MY NAME. Again, I need ALL accounts that I have ever owned with HSBC, the original creditor. I NEED HSBC IN WRITING TO STATE THAT THEY HAVE VERIFIED AND HAVE STATED ALL ACCOUNTS ASSOCIATED WITH MY NAME AND THAT THERE ARE NO OTHER ACCOUNTS OTHER THAN WHAT IS LISTED.
Thank you for your cooperation.
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| 04/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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It is astonishing that these collection agencies and creditors will take advantage of Americans at the lowest point for some reason they feel that is the best time To falsely reporting on your credit bureau against consumers for instance portfolio recovery continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put HSBC bank which was bought out by XXXX XXXX but instead they stated that it was a debt with HSBC Card Services that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of XXXX XXXX XXXX HSBC BankXXXX XXXX.
This debt was Re-aged and XXXX XXXX XXXX did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made XXXX XXXX could not.
The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by XXXX XXXX Then was Re-Aged by XXXX XXXX XXXX which is illegal and in clear Violation for the FCRA and FTC
|
| 09/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I received a voicemail stating I needed to call back immediately. When I called back I spoke with a XXXX whom wanted all of my personal information before telling me what the call was in regards to. When I told him I did n't feel comfortable doing that, he became very hostile and disconnected the call. I called back and spoke with another representative, who was able to tell me they sent out information to a very old address but could n't tell me why they called because she did n't handle the file, XXXX did and so she transferred me back to him. XXXX then told me he was calling about a credit card I took out with HSBC back in XXXX which had a balance of {$4000.00}. I told him I never had a credit card from XXXX and he became hostile again. I told him I want something sent to me about this " debt '' so I can have an attorney look at it as it is n't mines. That made him even more upset and he proceeded to tell me they already sent me something in the mail. I told him the previous representative told me they sent something to an old address and he told him she was mistaken. I said it sounds like you do n't want to send proof of this debt and per FDCPA I am allowed to request proof of the debt. I told him the XXXX credit card I received was close to XXXX and he stated " well that 's not what your credit report says ''. He stated he was no longer going to argue with me and disconnected the call. I check my credit report very often and there 's nothing on my file in regards to what he 's claiming I owe. He was very hostile especially after I explained to him the laws I knew in regards to debt collection practices.
|
| 12/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
On XX/XX/2020, I went to the HSBC bank branch located at XXXX XXXX XXXX, XXXX, VA XXXX to close an old checking account I had at HSBC. The account contained {$1700.00} and had been at that balance for over a year. I asked the representative at the branch if I could withdraw the money and close the account. He said yes, withdrew the money, provided a receipt of the transaction showing an ending balance of {$0.00}, and told me the account was closed. I left the branch and deposited the money in another bank.
Recently I received a letter in the mail addressed from HSBC stating : " Subject : HSBC Bank USA, XXXX.
Account Number Ending In : **** Amount Due : {$15.00} Dear Customer, We would like to thank you for being a valued HSBC customer and we hope you are enjoying all the services and benefits.
We recently notified you regarding the overdraft of your HSBC checking account. Please deposit the amount above to cover the overdraft as soon as possible.
This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. '' Evidently they have made an error while closing the account and never did so, then charged me an overdraft and/or low balance fee on the account which they said was closed. I even specifically asked at the branch if the withdrawal could be made, and the account closed, without triggering any of these fees, and their representative stated that it could. So now HSBC has made a mistake closing an account I no longer have, erroneously charged me fees, and sent me harassing letters about a nonexistent debt which I do not owe.
|
| 04/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
We have reached out to the carrier USPS in regards to this missing item. ( The lamps for {$300.00} from XXXX I was eventually transferred to a supervisor who advised me that although the package was marked as delivered they could not provide me with the geotracking information to prove this. I was also told that because of seasonal workers ( temporary workers that were new to the company ) it was likely that my package was lost or accidentally delivered yo the wrong address.
I was security camera footage from the front of my house and my porch and I can provide proof that no one came during the entire day USPS claimed the package was delivered.
I have tried to work out the issue with my merchant many times Ive also contacted the carrier who admitted the package was most likely lost or delivered to the wrong address. We will sign any legal document stating that these facts are true.
We contacted HSBC who DENIED our claim. I believe we contacted them around mid XXXX. They were extremely rude, with one agent yelling at me accusing me of being a lying woman who just wanted the item for free. I was SHOCKED and sickened. We have never disputed fraud with this bank EVER before this never late on a payment. They also lowered my credit limit down from {$8000.00} to only {$500.00} as a result of this.
Please assist us in this matter we spent a lot of money and never received the product we ordered. Its not right and weve tried to do everything the right way to resolve this issue.
We expect to receive the full credit of {$300.00} since we NEVER received the items and we have video proof of this.
Thank you
|
| 02/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
A company claiming to be XXXX XXXX XXXX, contacted me. Very threatening when I called them back. This debt has been charged off.please see transcript of voicemail they left below ______ hi this is XXXX XXXX calling with the XXXX XXXX some of the vision inspector ______ trying to get in contact ___ _______ _____ XXXX XXXX XXXX proximity to XX/XX/XXXX XXXX years of age __ it's _______ calling to inform you that we received a ____ of action or today from the county clerk liaison 's office concerning a repeat of my compliance on the _____ as well as to from complaints being filed to get your name XXXX security number ending in XXXX at this time due to the XXXX XXXX not __________ they are asking that _____ documents __ be served ________ to your residence or placement appointment to have you sign for court appearance I just wanted to verify some information with you about ___ record before coming out but unfortunately I'm available um we will be making our way out shortly to a XXXX XXXX XXXX if you're not available we will have no choice but to try __ XXXX XXXX XXXX XXXX XXXX __ a place of employment if you're at your place appointment you possibly need _ witness from her supervisor or somebody from HR department in order to sign for your legal documents um if you have any questions or concerns you may contact ______ __ __________ at XXXX again that's XXXX when calling please refer to case number US as _ like United States XXXX XXXX XXXX XXXX call has been recorded document __ the show proof that ___ find a little _____ __ ___ leave _ notify today 's date XX/XX/XXXX XXXX you _____ XXXX XXXX XXXX _____ the XXXX
|
| 04/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, my partner started complaining of cold-like symptoms that may or not have been COVID-19 related. Deciding to be cautious, we decided that we would like to cancel our SCUBA-diving trip ( scheduled for XX/XX/XXXX ). I emailed XXXX XXXX XXXX on XX/XX/XXXX about the issue and asked for a refund XXXX {$290.00} ). I received no response from XXXX XXXX so I called again on XX/XX/XXXX and spoke to an employee who said the owner was busy but he would convey my message. I again received no response from the owner until weeks later after I filed a credit card dispute with HSBC. The owner essentially called me a low-life and asked me to refer to the service agreement. I did refer to it, and it doesn't include clauses for COVID-19, which is understandable! This is a difficult and unprecedented time for everyone. We are a military family, not trying to XXXX anyone.
We thought that given the circumstances of COVID-19, the owner of the dive company would at least attempt to provide us another date to dive, if not provide a refund. The alternative would have been going on a dive boat while I partner was feeling sick and freaking everyone out and possibly getting them sick!
I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. HSBC simply responded it would look into the issue and contact me. I never received any contact from HSBC almost four months after the fact.
My partner was tested for COVID-19 on the earliest possible date she could, XX/XX/XXXX. The results were sent to XXXX XXXX XXXX and HSBC. I submitted my emails to XXXX XXXX XXXX ( which I never received a response to ) to HSBC as well.
|
| 04/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened up an HSBC Checking Account online on XX/XX/2021. At the time, they were running a promotion where if you met the qualifying activities, you would receive a {$450.00} welcome bonus. The qualifying activities were to ( 1 ) open your new HSBC Premier checking account from XX/XX/2021 through and including XX/XX/2021 ; and ( 2 ) make recurring qualifying Direct Deposits totaling at least {$5000.00} per month from a third party to your HSBC Premier checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. I met the qualifying activities and even one of the representatives said, on XX/XX/2021, that I met the qualifying activities when I spoke to them over chat. The representative even said, " You will automatically receive the {$450.00} Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. XX/XX/XXXX direct deposit was received from there within eight weeks deposit will be credited to the account. '' During this time HSBC switched my account to XXXX. I followed up with HSBC regarding my {$450.00} welcome bonus and they informed me that I did not qualify for the welcome bonus because I did not sign up on the " landing page '' where I was supposed to sign up on. Although it was not one of their conditions for the {$450.00} welcome bonus, I did sign up on the landing page of the website where they advertised the {$450.00} welcome bonus. After some back and forth with HSBC, they are refusing to honor the {$450.00} welcome bonus they advertised and will not provide it to me.
|
| 01/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
opened a new checking account ( # XXXX ) on XX/XX/XXXX with this offer - XXXX $ opening bonus - my earlier acct was closed on XX/XX/XXXX. As per the terms and conditions of this offer i am eligible for bonus.
HSBC PREMIER WELCOME DEPOSIT CHECKING OFFER 1 HSBC Premier {$450.00} Welcome Deposit Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past two years to apply for a deposit account online. To qualify for the HSBC Premier {$450.00} Welcome Deposit you must : ( 1 ) open your new HSBC Premier checking account from XX/XX/XXXX through and including XX/XX/XXXX ; and ( 2 ) make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to your HSBC Premier checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. You will automatically receive the {$450.00} Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. Qualifying Direct Deposits are electronic deposits of regular periodic payments ( such as salary, pension, Government Benefits or other monthly income ) made into your HSBC Premier checking account from third parties at least once per calendar month. Customers who held any HSBC consumer deposit or investment account XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. Eligible
|
| 05/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was contacted by both my Mother and my wife today stating that they received calls from a company named XXXX about an alleged debt. Not sure how this company gained access to my mothers home number or my wifes unregistered work number.
My wife forwarded me the info and I contacted a person and inquired about the alleged debt. They shared with me that there had been numerous attempts to collect a debt tied to a credit card company named XXXX. Told them that I hadnt received such info and asked if was sent certified mail. Their response was it was sent general mail. Told them I hadnt received anything.
Contact told me that this info was on my credit report, which it is not, and that I went delinquent on this account in XXXX They say I was offered a settlement, which I was never contacted, and that I owe them {$2000.00}. Asked if I wanted to work out a plan. I told them that I dont recognize a credit card with XXXX, that I was never delinquent on any debt over the last 7 years, and that they should proceed with next step actions that they spoke of at the start of the call.
My assumption is that they are trying to collect on something outside the statute of limitations. I have no records if this debt but my records only go back 10 years.
I want to make sure that this company knows that my record keeping us impeccable and that I assume they will be willing to share all of their documents during discovery if they choose to go through the courts.
I also want this company to know they have my cell number and that they should not be harassing my elderly mother or my wife at her place of employment.
|
| 11/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was contacted by a company called XXXX XXXX on XX/XX/2019. The representative, XXXX XXXX, left a message that said, this is a courtesy call regarding your claim in my office my intent at this time is to move forward by the end of the business day for whatever reason there was a failure to respond I also need to inform you my efforts were documented the claim has been verified and you were notified any concerns please contact.
This was the first of me hearing about a claim and I wouldnt be able to respond because of that reason. When I called back to find out what the call was concerning, XXXX asked me my name and I said, XXXX XXXX, she proceeded to say, your name sounds so ghetto and hung up on me. I called back and asked who is this? She said that the XXXX police will be coming for me for receiving a credit card and stealing {$1800.00} from HSBC. I couldnt believe she called my name ghetto, accused me of stealing and the extremely rude attitude. I immediately called HSBC because Ive never had a credit card from them. HSBC does not have any information about me or a debit that I owe.
I called XXXX XXXX again and this time a man answered and disclosed to me that they have my full name, address, telephone number, social security number, the car I drive and threatened to sue me and put a real property lien on my car. I do not have a debt with HSBC MasterCard or XXXX XXXX. A credit inquiry doesnt show on none of my 3 credit reports nor does this debt.
Ive called the XXXX, Federal Trade Commission, and put a fraud alert with the credit bureaus on my reports. My next step is to make a police report.
|
| 06/23/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
XXXX XXXX, XX/XX/2015Dear CFPB, I use the HSBC bill Pay from my checking account.
On XXXX XXXX and XXXX XXXX I made XXXX payments. They mananged to pay the XXXX ... but I am still missing {$2000.00}.
XXXX XXXX : {$120.00}. XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX have now spent over XXXX hours on the phone with HSBC associates and they now say its the Bill Pay vendor that is the problem and they are trying to trace my money.
HSBCs vendor is their problem -- HSBC is responsible for paying my bills.
Today I have now ( after XXXX more min on the phone today ) requested that the {$2000.00} be returned to my account ... HSBC says that they may be able to return {$1000.00} -- to my account -- in the next few days., but the other payment XXXX XXXX. ( bills are to be paid in XXXX bus days ) .has been processed and I will need to wait yet another XXXX days for the bill to be paid. I pointed out that this will mean that they have held {$1000.00} for XXXX days. My Credit card, has not received this payment..
Today the HSBC associate said that they had a new BillPay service and that I was suppose to " refresh '' my Bill Pay list, however he could not tell me what I had to do to refresh the list. All of my payees remain the same ... The only changes have been internally at HSBC.
I have done everything I can possibly do ... Over the weekend I spent XXXX hours on the phone with HSBC, I have excahanged Bank Mail. XXXX XXXX HSBC associate hung up on a conference call with my Credit card rep. XXXX At this point I dont know what you can do, but I wanted to register this complaint.
|
| 12/02/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
Servicemember |
|
HSBC BANK Acct # XXXX Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation.
In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them.
I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES.
By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.
|
| 09/28/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
On XX/XX/2018, I became the victim of a {$100000.00} INTERNATIONAL WIRE TRANSFER SCAM. This money was my ENTIRE life 's savings. The fraudster impersonated XXXX law enforcement ( where I used to go to college ) and told me my SSN had been compromised. In order to be assigned a new SSN, I needed to transfer my funds to a bank in XXXX XXXX, specifically the HSBC in XXXX. HSBC 's address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The recipient 's information is : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I submitted a recall request on XX/XX/XXXX with XXXX XXXX XXXX to no avail. I also found out that there are at least TWO MORE VICTIMS involved in this crime, although their funds were transferred within the U.S., as opposed to internationally. I have alerted : The XXXX Police ( where I live ), the XXXX XXXX XXXX where this took place, HSBC ( formal complaint ), the XXXX XXXX Police, the ic3 ( twice ), the Criminal Investigation Division ( CID ) of the Texas Comptroller of Public Accounts, the FTC and the Texas Attorney General. There is still NO resolution. Every time HSBC responds to XXXX XXXX XXXX, they simply say they are waiting on a response from the beneficiary to get debit authority. My guess is the beneficiary will NEVER respond to HSBC since all their contact details are FAKE. HSBC allowed the fraudster 's account to be opened using false details. The bank was purely negligent in allowing the transfer to take place, as well as failed to conduct sufficient checks. Simply put : HSBC COULD HAVE PREVENTED THIS CRIME FROM BEING COMMITTED.
|
| 06/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received two phone calls from XXXX. The first call left a message stating they were a debt collection agency and that a complaint had been filed against me for non-payment on a Mastercard account. They stated I should press # 1 to speak with one of their agents to try and avoid having papers served on me. I wasn't home at the time and they didn't leave a callback number. This call happened on XX/XX/XXXX.
I received the second call today, XX/XX/XXXX. The caller named himself XXXX XXXX and said he was a private carrier and would be serving me sealed court documents either at my workplace or home address. He knew my full name and the last four digits of my social security number. He also said if I wanted to resolve this matter, I should call the above number and speak with one of their mediators which I did.
I spoke with the original caller and learned this was an unpaid debt of {$3100.00} on a Mastercharge card issued in XXXX and was closed in XXXX. It was issued thru XXXX XXXX XXXX which is now HSBC Bank. Right off I knew this wasn't my account because it wasn't the correct number on my card and I had only used my card once to make a small purchase. This person said they would be willing to settle the debt for XXXX the amount. I politely declined and hung up.
I then called XXXX XXXX XXXX and learned that they were now HSBC Bank. I explained what was going on, and gave them my name, social security number, and the last four digits of the Mastercharge card number I supposedly owed money to. They could not find anything that I owed on this card or even a record of this card. So, a scam?
|
| 03/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
HSBC has made it so notoriously hard to complete identity verification when applying for its credit cards that it has led to scammers posing at HSBC and then extracting very sensitive information from clients supposedly on HSBC 's behalf. I was a victim of one of these scams and wholly blame HSBC for their ridiculous application process, which you can read about across the internet. I applied for what I thought was a HSBC credit card. A representative got in touch to tell me that they needed a copy of my driver 's licenses and a form so the Social Security Administration could verify my identity. Knowing that HSBC is so rigid in their identity verification, I gave the scammer this information. When it wasn't processed, I was told the SSA form was incorrect as I had missed a box. I then resent the form with my personal information again. Again I waited, this time I was told the application is " processing ''. Nearly a week later it was still " processing '' and I realized I had been scammed. It was devastating, I spoke to a supervisor supposedly with HSBC who told me the form was again incomplete ( it wasn't ). I told her I will be working with the local authorities to press charges. She had me call phone number XXXX, I believe the scam is from XXXX. I ENCOURAGE EVERYONE NOT TO APPLY FOR ANY HSBC PRODUCTS BECAUSE THEIR OVERLY ZEALOUS IDENTITY VERIFICATION HAS SEEMINGLY INVITED SCAM ARTISTS AND YOU MAY BE IN DANGER. ONLY A COMPLETELY INCOMPETENT COMPANY WOULD HAVE THIS MANY MISTAKES ON A SIMPLY IDENTITY VERIFICATION, SHOWING IT'S A SCAM. I will be working with police to help find who did this.
|
| 07/22/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
XXXX has been illegally attempting to collect an alleged debt from me, including by sending letters and by filing a lawsuit in XXXX XXXX XXXX Court XXXX No. XXXX ), even though the debt is barred by the applicable Statute of Limitations.
I have provided XXXX attorney, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX law firm, with a copy of the original contract, showing that the alleged debt is governed by a choice of law provision that makes State of Nevada law applicable to the contract at issue. Nevada Statute of Limitations ( SOL ) is four years on credit cards ; however, the debt was approximately 5.5 years old when XXXX attempted to collect the debt by filing the lawsuit.
XXXX XXXX, and thus XXXX, has not responded to my email sent to him on XXXX XXXX, XXXX, asking him to dismiss the case with prejudice. Nor has the case been dismissed to date. In the email, I advised him that I had sent him a copy of the original contract, under separate cover by mail. I also provided him with information about how to access a second copy of the contract using the CFPB Credit Card Agreement database.
Exhibit A - Original XXXX contract from my records, showing Nevada choice of law provision on page 4 ( APPLICABLE LAW ).
Exhibit B - Copy of XXXX version of same contract from CFPB database, which also contains same provision.
Exhibit C - Letter from HSBC showing that last payment on account was apx. 5.5 years prior to the filing of the lawsuit.
Exhibit D - Printout showing ongoing lawsuitXXXX XXXX XXXX XXXX XXXX No. XXXX ) Exhibit E - Email to XXXX XXXX XXXX to which has not been any response to date.
|
| 09/29/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
received a call from a friend today stating that HSBC called her to tell me i would be receiving a lawsuit paperwork and they needed to contact me to deliver. They also called both my sons from a blocked number with same information. then a lady called me and said I was being sued and they needed to tell me to be home monday ( they had my address XXXX to receive the papers. She gave me a number to call. No company name. I called XXXX and was told to give them a number -- XXXX which i did, they had my full name and social and said they were a mediatation company and that HSBC were sueing me over a debt I owed. They said they sent a letter in XXXX last year. I said I never got a letter.. I said I had a credit card in XXXX, but it was a time barred debt. They said I had made a payment in XXXX and they had 10 years to sue me for the debt and I said they did not and they hung up on me and that they were a mediatation firm. It is my understanding that I was living in california at the time and it was a 3 year time limit on consumer debt. I live in alabama now and it is 4 years. From what I see it is time barred. I also went back in some old files and found that I had responded to XXXX XXXX XXXX about a HSBC # XXXX acct they were trying to collect from a letter XXXX XXXX and sent them a certified letter which they did not respond to.sent XXXX of XXXX in which they alleged that I made a payment in XXXX, which I did not and looked at my old bank records going back to XXXX XXXX. Please help. I feel that they are scamming me on a time barred debt that was sold and was a zombie debt. thanks XXXX XXXX
|
| 10/24/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
I'm new to the XXXX and have started with my XXXX employer a month ago.
I received a cheque from employer that I deposit on my XXXX HSCB account XX/XX/XXXX.
I then receive an advance from HSCB on this cheque ( XXXX XXXX ) that I transfer to another my XXXX credit card. XXXX has an account on my name with the XXXX XXXX saving banks. I send this XXXX XXXX to my account on XX/XX/XXXX.
I then get paid the full cheque on the XX/XX/XXXX by HSBC and I immediately transfer the rest to the same account with the XXXX XXXX XXXX.
I then receive on XX/XX/XXXX an e-mail from HSBC saying the below : " On XX/XX/XXXX, you initiated our trial deposit verification process to verify ownership of your XXXX XXXX XXXX XXXX, Checking account.
To verify this account, we attempted to make two small deposits and a withdrawal for the total amount of the two deposits. Unfortunately, our attempts have been unsuccessful.
This is because XXXX XXXX XXXX XXXX, Checking has indicated to us that the account for which you have requested verification is unable to accept transfers. '' I immediately contact them ( the customer service, I don't have a relationship manager ). They say the money is out, give me a reference code and tell me to contact the receiving bank. Which I do, I open a case with them, they don't find anything.
On XX/XX/XXXX I call HSBC again, they're trying to put me through their Payment team. After being unsuccessful doing so, they say they will call me later. They never did This money is my salary. I can not eat neither pay my rent without external support.
I would appreciate your help.
|
| 05/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Since XX/XX/XXXX, the mortgage department of HSBC Bank ( HSBC Bank USA, N.A. ) has not responded to my request of 2 refund payments as below : 1 ) A {$990.00} refund check which I have never cashed out and is already overdue. I request them to send me a new check.
2 ) A wrong escrow charge of {$470.00} ( {$1200.00} vs {$800.00} ) for my mortgage loan on XX/XX/XXXX, because the insurance company did not send the insurance information in time. This escrow charge should not happen because this account is not an escrow account. I request them to send me a refund check.
I have talked with HSBC Mortgage customer service people several times since XX/XX/XXXX. Every time I had phone calls with them, they told me it requires 60 business days to process. Here are the histories of my phone conversations with the customer service people : ( a ) XX/XX/XXXX : A customer service person told me it requires 60 business days to process.
( b ) XX/XX/XXXX : The same customer service person as in ( a ) told me to call back in 2 business days for status.
( c ) XX/XX/XXXX : Another customer service person told me it requires 30 to 60 business days to process.
( d ) XX/XX/XXXX : Another customer service person told me it requires 30 to 60 business days to process.
Then, on XX/XX/XXXX, I sent an email to HSBC Mortgage customer service about the request with the histories, but still have not received any response from them as of today ( XX/XX/XXXX ).
It looks like that HSBC Mortgage is pushing back my payment request indefinitely, with an excuse of 60 business days to process, whenever I talked to them.
|
| 05/21/2016 |
Yes |
|
|
|
Web |
Older American |
|
A few days ago the author of this complaint ( sometimes hererin the " Complainant '' ) received a letter ( the " HSBC Letter '' ) dated XXXX XXXX, 2016 from HSBC Bank USA NA ( " HSBC '' ) informing the Complainant that my HSBC Platinum MasterCard Account With Rewards ending in XXXX ( the " Account '' ) had been closed by HSBC because HSBC had determined the Account had been inactive for 12 months or more. Immediately before the Account 's closure by HSBC the Account had more than XXXX Reward credits ( the " Credits '' ) credited to it by HSBC, the exact number of which is not now known to the Complainant, earned and credited the Credits over many years of usage of the Account by the Complainant.
Upon Complainant 's inquiry to HSBC after Complainant 's receipt of the HSBC Letter HSBC informed the Complaint that the Credits had likewise automatically been canceled when the Account was closed.
The Complainant never received any notice from HSBC or otherwise that the Account was under closure review for non-use for 12 months or more, nor, before the Complainant ' s receipt of the HSBC Letter, that the Account was sooner or later to be closed for non-use Had the Complainant received any such prior notice the Complainant would have made use of the Account 's credit card to preserve the Credits for Complainant 's use as and when chosen by Complainant.
The Complainant asserts that HSBC has acted in bad faith in this matter and demands that HSBC pay to the Complainant in cash the current reasonable cash value of the Credits as determined in accordance with industry standards and practices.
|
| 06/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Several attempts have been made by the account holder to close the HSBC account. A letter, signed and dated ( XX/XX/XXXX ) with two ( 2 ) forms of identification was submitted to the Legal Paper Processing department of HSBC per their instructions. The letter requested a address change and the account be closed with proceeds sent to the new address.
When no response was received a second letter, signed by the account holder and dated ( XX/XX/XXXX ) was sent again requesting an address change and closure of the account. [ both letters attached ] When there was still no response and following additional conversations with HSBC representatives, a complaint was filed with the New York Department of Financial Services acknowledged on their letterhead dated XX/XX/XXXX. [ attached ] A response dated XX/XX/XXXX was received from HSBC acknowledging receipt of the XX/XX/XXXX letter for change of address, but not for account closure. Interestingly, both requests were made on a single page of paper, signed and dated by the account holder. The HSBC response also required a POA ( irrelevant since it was the account holder, not the POA, making the requests ). [ POA attached ] The response also suggested follow-up be made with their customer service department.
This was done resulting in HSBC accusing fraudulent involvement of family members and maintaining failure to follow their customer 's written instructions. [ correspondence attached ] This treatment by HSBC against an elderly customer of over 20 years is unacceptable.
Unfortunately, punitive damages are not possible in a case of this nature.
|
| 06/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I obtained a second mortgage on my home in XX/XX/XXXX with maturity date of XX/XX/XXXX, from Household Finance, ( agreement attached ) for a total of 240 payments with no balloon payment.
I am unsure when but at some point HSBC took over the loan or merged with Household. In XX/XX/XXXX the mortgage was taken over by XXXX XXXX. I have made my XX/XX/XXXX payment and will be making my XX/XX/XXXX regular payment of XXXX as soon as XX/XX/XXXXclears. My maturity date is XX/XX/XXXX and my balance before the XX/XX/XXXX and XX/XX/XXXX payments is XXXX, I do not understand this balance and have been trying to obtain information from XXXX ( which they have been helpful ) and HSBC as to why I have this balance.
XXXX has sent me payment history from XX/XX/XXXX to present ( attached ) and this shows 10 missed payments as you can see, and they are XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX which would be equal to XXXX, but I do not understand why these payments are missing as loan is not showing modification which I believe I would have had to agree to and sign. I have also tried to obtain payment history from XX/XX/XXXX to XX/XX/XXXX and I have called HSBC but they have been very uncooperative and said they do not have access to household accounts. XXXX on the other hand has provided me with the payment history from XX/XX/XXXX to present but for some reason I am having a problem getting XX/XX/XXXX-XX/XX/XXXX. I would greatly appreciate any help you can give me in determining why I have this large maturity balance due.
|
| 03/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I paid off my mortgage with XXXX Mortgage Service Center. The payoff funds were sent overnight mail by the title agent on XXXX XXXX, XX/XX/XXXX and posted on XXXX XXXX, XX/XX/XXXX. Since the payoff amount of {$200000.00} was valid through XXXX XXXX, XX/XX/XXXX, I paid an extra day 's interest of {$25.00}. My escrow account balance was {$1300.00}, therefore my refund should have been {$1400.00}. The check I received from XXXX Mortgage Service Center was for {$1000.00} dated XXXX XXXX, XX/XX/XXXX. This amount is incorrect. Due to a separate complaint issue I filed with the CFPB regarding XXXX Mortgage Service Center earlier this year, XXXX separately agreed to refund a paid processing fee of {$370.00} for a release of liability processing fee I paid which had nothing to do with my escrow balance ( separate account : escrow account versus paid fee ). Since XXXX Mortgage Service Center could not process my release of liability request timely and requested documents not applicable to my specific situation because of my recorded oral stipulation for divorce and recorded quick claim deed ( validating no financial exchange and my need to refinance ), I elected to finally refinance with another lender due to the multiple servicing issues I had experienced with XXXX Mortgage Service Center. This is the primary reason why I refinanced with another lender ; simple processing tasks for some reason were not handled properly by XXXX Mortgage Service Center. Although I spoke to several XXXX employee 's during this process ; they really just do n't seem to truly understand the process being conducted.
|
| 04/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
an online offer was emailed to me last XX/XX/XXXX from HSBC bank, and if i apply for a " Advanced checking account '', offer expires XX/XX/XXXX i would get a {$350.00} bonus, and i did online on XX/XX/XXXX-XX/XX/XXXX, than you must fund the account with {$10000.00} or more within 30 days of account opening which i did {$10000.00} Exactly by XX/XX/XXXX ...., the account was opened on XX/XX/XXXX but i really had until XX/XX/XXXX to fund this with {$10000.00}, and i did, i completed all there requirements and kept a {$10000.00} balance for 90 days as needed for the bonus offer and i still currently have not touched any of that balance ... .. I called Hsbc at XXXX on XX/XX/XXXX to ask about my bonus and they informed me, told by there Marketing dept., that i am NOT eligible for the {$350.00} bonus because my account was not opened until XX/XX/XXXX, which was past XX/XX/XXXX??, i dont have a copy of that online application, but i swear IT NEVER said the account has to be opened by XX/XX/XXXX ... .what it said is that you must apply online before XX/XX/XXXX, which i did ... ... .positive ... ..., it took over a week for them to open the account, not my fault at all ... .... and i funded the account within the 30 days required, and now there making me want to call a lawyer to sue them because of FALSE ADVERTISING practices on there part ... ... i also found out that on XX/XX/XXXX that same exact offer was extended till XX/XX/XXXX, so i still would of qualified anyway ... ... .. thanks very much for your help in this matter, very truly yours, god bless ...., my account is still open ... ....
|
| 06/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX/XXXX/XXXX, I received a physical letter, dated XXXX/XXXX/XXXX, via USPS notifying me that I owe {$990.00} to " XXXX, XXXX XXXX XXXX '' for an outstanding balance unpaid to " HSBC HOUSEHOLD BANK ''. They requested I remit the total balance owed via a bank wire to XXXX XXXX XXXX or by check to " XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ''. I spoke to XXXX XXXX and someone named XXXX from XXXX, XXXX XXXX XXXX. XXXX claimed the original debt dated XXXX/XXXX/XXXX was sold to them in XXXX by HSBC and then mentioned it was somehow related to a MasterCard through XXXX XXXX. He also refused to give me any contact information for HSBC. After this refusal, he mentioned I could clear my debt today by paying only {$500.00} as a settlement and then asked if I would commit to paying it today. This was very suspicious to me, so I did my own internet search and contacted HSBC immediately and they had no record of my social, account or name. The HSBC rep informed me that they do NOT outsource their collections, but instead have a collections department in house and also mentioned it was strange that the HSBC account number was not referenced in the collection. HSBC recommended that I report this incident to the Credit Bureau, Attorney General and BBB, which I plan to do immediately. After much strife, I did another search for XXXX, XXXX XXXX XXXX and it appears I am not the first they have attempted to scam. I am attaching the scam letter from XXXX, XXXX XXXX XXXX to warn everyone to how bold these scammers have become. Apparently we have to beware of not only phone scams, but also mail scams.
|
| 10/06/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Servicemember |
|
I, XXXX, an XXXX XXXX, have my wife ( XXXX XXXX ) send me money every month in amounts ranging from {$3500.00} to {$5000.00} USD to my personal HSBC checking account. The originating bank XXXX sent the money XX/XX/2020. The intermediary bank ( XXXX XXXX ) processed the incoming international wire transfer that was in the amount of {$4700.00} and after taking their {$23.00} fee, sent the remaining {$4700.00} on to HSBC on XX/XX/2020. HSBC is having liquidity problems due to the XXXX bank runs in response to COVID-19 and they are making excuses on why my money is not available and straight up lying, telling me they have no record of this incoming wire transfer. When in reality, they are holding it hostage in their OFAC dept as a scummy way to try to legitimize their holding it and not releasing it to me. I have completed a similar transaction with this bank last month without issue. However, this is a huge problem as I am about to have my XXXX XXXX XXXX tomorrow morning, then I am moving to another state, and I AM A XXXX XXXX SERVICE CONNECTED XXXX XXXX XXXX VETERAN!!!!! I am incurring late fees where I am renting from now and am currently unemployed. I need this money and HSBC should have their charter pulled and NEVER BE ALLOWED TO DO BUSINESS IN THE USA EVER AGAIN, especially after their XXXX scheme with XXXX drug lords. I just want my money out of that bank so I can close my account and be done with them. I have tried calling them multiple times and they always say they dont know whats going on and asking for reference numbers that the consumer would never have direct access to.
|
| 07/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
In XXXX, I and my ex-husband applied for a refinance & HELOC from Beneficial. The loans were granted. My ex-husband passed away XXXX XXXX. At this time I contacted a lawyer to determine my options for having my husband removed from the title to the property and mortgage. Lawyer took care of having husband removed from the title. I recently attempted to apply for refinance to remove him from the mortgage and take cash out. I learned through an attempt to refinance I was unable to refinance the property due to there is no deed from XXXX found indicating my interest in the property. The only deed filed with the XXXX County Illinois Recorder was in XXXX with the original purchase of the home in which my ex-husband was the only one listed on the deed. Beneficial did file a mortgage on XXXX, XXXX on the property. I am just outraged at this point that I took out a loan on my home, yet it was never deeded in my name as one of the rightful owners. Now I am being denied the ability to refinance at this time because I can not show that I was the rightful owner of this property prior to XXXX/XXXX/XXXX when my children quit claimed their fathers interest to me. I am just sick of this company and the way this company misleads and XXXX over customers. I am technically being forced to remain with this company because I can not secure financing with another reputable company because I have to wait anywhere from 6 - 12months to refinance, because the property I have owned for over 20 years and paying on for over 20years is considered inheritance since it was just quit claimed to me XXXX/XXXX/XXXX.
|
| 08/03/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I was issued a 1st and 2nd loan ( HELOC ) in XXXX from HSBC for the purchase of my primary home. In the XXXX housing market crash HSBC forced me into a 'workout program ' at day 176 of delinquency which put me in a 40 year variable 1st and variable 2nd ( HELOC ) for a total principal amount that exceeded my homes value by over $ 200K!
Over the past 15 years, my interest rates have slowly and continuously climbed up to unreasonable levels. From XXXX to present, I tried multiple times to get HSBC to convert my 2nd to a fixed rate, because the variable rate is so high I can't afford it. My credit score is OVER 800! I would qualify for everything!
Today, I am stuck in a pickle in which my homes value is still {$170000.00} below what I owe to HSBC, and HSBC 's answer over the last 5 years has remained ... '' Too bad, we can't help you and nobody else will consider taking you either ''. With COVID I lost my XXXX and my family. Long ago in XXXX, HSBC intentionally put me in a position of failure, when at that time they held a fiduciary obligation to help me ... and were compensated ( bailed out ) by the government to help me as well. None of that went to me - in fact over $ 200K in interest payments from me went to HSBC instead over the last 15 years.
I am over a barrel and even today HSBC continues to behave egregiously, and in my opinion usurious in nature - like hogs when pigs are bad enough in the mortgage industry.
Without the help of the CFPB, I will continue to get screwed by HSBC. Please do the right thing ... Read my suggested resolution and publish it to the world.
|
| 09/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
My brother contacted me regarding a voicemail he received on XXXX at XXXXXXXX XXXX. He forwarded it to me. After listening about 10 times to get the phone number I called to see what it was about. Couldn't understand the message or her when I called, but figured out she was trying to get money for a XXXX XXXX credit card, her name was XXXX XXXX and that I didn't remember having a credit Card from XXXX XXXX at the time we spoke. She threatened to Subpoena for a lien in my name. I hung up on her, because this has to be a scam. Before I could block her phone number, she called back and left a voicemail threatening me and saying I never contacted her. I then blocked that number. I then received a voicemail from the same woman on XXXX at XXXX XXXX from a different phone number saying pretty much the same thing. All the voicemails are difficult to understand so I uploaded them. I didn't call back and blocked that phone number. I looked up both numbers on the XXXX and XXXX XXXX. Only found results on the XXXX XXXX. The XXXX area code was to a business called XXXX XXXX XXXX. There was no name associated to the XXXX area code. I found a Acknowledgement of Satisfaction of Judgement on XXXX that is proof I had paid for the credit card and filed XX/XX/2017. On XXXX my check # XXXX made out to the XXXX XXXX XXXX XXXX of XXXX XXXX for the amount of {$24.00} was cashed to remove the XXXX. This was on the HSBC Bank credit card that was for XXXX XXXX. I uploaded the Acknowledgement of Satisfaction, my carbon copy of the check, my bank statement and the letter sent to me from the Law Firm.
|
| 10/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
HSBC BANK USA, NA Phone Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX RE : credit card ending XXXX XXXX XXXX XXXX.
HSBC Bank USA was double paid ( paid twice ) for the same credit card balance and is proving uncooperative/negligent in refunding/returning an excess balance payment of {$1300.00} to me. I called one month ago and the HSBC customer service agent fully acknowledged the excess payment and said a check in the full amount would be sent out expeditiously. They have not honored their word and seem to be attempting a fraudulent cover-up of receiving both payments by selling a closed account to a different financial company in early XXXX. The account was terminated in XX/XX/2022. There is and was no active account to sell to another company and they have not returned my excess balance. Therefore I believe fraudulent cloaking of payment is being attempted.
Both payments were made to and accepted by HSBC Bank. On XX/XX/2022, I paid HSBC {$1300.00} from my XXXX XXXX XXXX Account. Confirmation # from HSBC is XXXX. ( see attached ). Two weeks later XXXX XXXX XXXX, XXXX XXXX mistakenly paid HSBC the same amount for the same due balance, ( see attached ) A double payment is held by HSBC.
Please notify HSBC Bank to either send me a check in the overpayment amount of {$1300.00} or return/refund that payment to my XXXX XXXX Checking Account or return/refund payment made by XXXX to XXXX.
***This is only one of three problems I have had with HSBC . HSBC practices deceitful, predatory business methods.
Thank you for your time and assistance!
XXXX XXXX
|
| 08/03/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
I was appointed XXXX of XXXX XXXX on or about XXXX, 2022.
XXXX XXXX is XXXX, XXXX XXXX XXXX and was a XXXX of financial exploitation.
I have served XXXX, where she has XXXX accounts, with XXXX orders from the New York XXXX Supreme Court. XXXX order appoints me guardian with the power to marshal her assets and the second was an Order to Compel them to provide me with the account numbers and statement.
In a letter dated XX/XX/2022 XXXX acknowledges that it received the court order appointing me guardian back in XXXX, 2022.
It is now XX/XX/2022 and I am still being told I can not be added to the account. I literally spend hours each day calling to see why there is still a delay.
The excuse now is because I have to first make an appointment at a branch and only then can my " profile '' be added to the account on the bank side. I can't just walk in, I have to have an appointment and only they can make that appointment for me. I would have to do something different on the brokerage side because they won't accept the orders as compelling evidence that I have legal authority to marshal assets.
XXXX XXXX is XXXX XXXX XXXX. She needs XXXX care. She needs her rent paid. I do not have the funds to pay for the care that she needs. XXXX to date has only provided me with copies of statements. They give me numbers to call that aren't picked up and where you can't leave a message.
If XXXX can basically thumb their nose at a court order, then why is it that the federal government continues to grant them operating authority?
I would really appreciate your help in this matter.
|
| 03/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
This complaint is a follow-up complaint to CFPB complaint # XXXX due to the inaction and lack of communication by HSBC. HSBC ( XXXX XXXX ) responded on XX/XX/2020 requesting that I provide the local authorities ( XXXX XXXX police department ) with the information about the occupants ' identities in the rental property of where the mail containing my debit card stolen. XXXX said that once the police report has been updated with that info, the investigation can continue with an " expeditious conclusion. '' On that same day ( XX/XX/2020 ), later in the afternoon, I went immediately to the XXXX XXXX police department to submit a supplemental report, which I also took pictures of. Those pictures I attached to an email I sent to XXXX XXXX on XX/XX/2020 to update her on what I have done on my end. I had to make several calls before XXXX finally got back to me on XX/XX/2020 that she has sent the additional information to the " Fraud team. '' On XX/XX/2020 I sent another email to XXXX to receive an update on the progress of the investigation, since I have not gotten any updates beforehand, nor any call backs from previous calls. Since that email on XX/XX/2020 I have made a couple more calls with, again, no call backs or responses from HSBC. I had notified in my latest voicemail that I will be filing yet another CFPB complaint because as I have mentioned in the previous complaint, HSBC is absolutely not moving towards an " expeditious conclusion '' and wants to drain my account dry with the exorbitant maintenance fees, leaving my current balance as of XX/XX/2020 to be {$38.00}.
|
| 11/27/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
XXXX XXXX XXXX first appeared on my credit report and at the register of deeds office in XXXX county N.C. as a lien holder to my property in XX/XX/XXXX. There was no lien or second mortgage on my property or credit report when I applied for a loan from XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, nor in XX/XX/XXXX when I did a home modification loan with my current mortgage holder. I have never had prior contacts about payments or any arrangements with XXXX, not XXXX cent, contrary to the statements that I last paid them on XX/XX/XXXX.
How could this be when I get another statement saying that the statute of limitation had expired and they could bring no legal action to collect this debt.
I only became aware of this so called XXXX lien when I applied for a reverse mortgage loan in XX/XX/XXXX from XXXX XXXX XXXX loan officer for XXXX XXXX XXXX ( loan # XXXX ). I wrote the credit bureaus and they removed XXXX from my credit reports. XXXX then contacted XXXX and requested a " Quit Claim Deed ''. After his initial contact with XXXX Rep. " XXXX '', she refused to reply to any of his repeated communication attempts ( phone calls, emails, letters, or faxes ). My loan stalls because of this unresolved issue.
I did have a second mortgage with XXXX XXXX XXXX, but that was included in my bankruptcy ( Ch. XXXX ) in XX/XX/XXXX and should have been dismissed. My last payment to XXXX ( XXXX ) was in XX/XX/XXXX. I thought it was taken care and after more than 12 years it pops up out of no where.
Can you help me resolve this issue without being taken advantage of?
Please and Thanks
|
| 03/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
My complaint is concerning my mortgage info being removed from our, my husband and mine, credit bureau report. I recognized the problem when I viewed our credit reports on XXXX XXXX 2016. I was told by, XXXX of XXXX ( Dispute dept. XXXX ), that our mortgage info had been removed by HFC, Member HSBC XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX, phone # XXXX. XXXX told me that she knew that HFC removed the info, because XXXX database showed an exclusion code from HFC, and that sometimes businesses removed info for maintenance or optics reasons. I then called XXXX on XXXX XXXX 2016 and spoke to XXXX a supervisor, who told me that for business reasons, HFC temporarily suspended reporting on all their mortgage info to the credit reporting agencies, because they did not want to report anything negative. My response was, " when you pull info from a persons credit report it reflects negatively and will cause the credit score to decrease which would affect your customers negatively. '' He then told me that he did not know if or when HFC would be putting the info back and that I would have to fax my complaint to their Credit Bureau Dispute and Inquiry dept. The fax which was given was XXXX. I asked him would this dept. be able to add our mortgage info back to our reports. He said, no ... my reason for filing this complaint. I have never heard of such a thing and without notifying the customers. Is this even legal? I am also concerned, because this mortgage was applied for in the state of Arizona and I recently saw an XXXX news report in XXXX 2016 about lawsuits against this company.
|
| 12/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
My name is XXXX XXXX and I am filing a complaint on XXXX. I was shocked to find on my credit a debt of XXXX in XX/XX/XXXX or XX/XX/XXXX after running my annual credit report. I reached out to this vendor and they informed me that they were given my loan from XXXX XXXX. I did not understand what this debt was until further investigation which it belong to Beneficial that had closed their loan offices in XX/XX/XXXX. When I spoke with them in XXXX, XXXX acted like they were a legal agency who was taking me to court so I out of fear begin payments of XXXX per month and eventually as they called once a year and informed me that I was n't making a dent in my account I increased to XXXX per month. Several times I was inquiring about how the debt went from XXXX to XXXX and they informed me it was because of interest. This year I did some research about understanding my rights and I was informed that a agency should not misrepresent themselves as attorneys and any threats made to the consumer are also illegal. Furthermore, when requesting to speak with the initial debtor I was told I could not and they were handling my account. When reviewing my initial documents and questioning the amount I owed I discovered that I only owed about XXXX. Because Beneficial is no longer in business I was also made aware that they went bankrupt and that it may be possible that my debt is cancelled. I am wondering since I have paid XXXX almost XXXX am I still required to pay more than XXXX % of my loan. I read that a consumer must only be made to occur only 1/8 percent of additional fees.
|
| 01/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I logged into my HSBC online banking account on XXXX. After the bank verified my identify via text message to my phone, they came back with an error message asking me to chat with one of their customer service reps.
The rep informed me that they had transferred my account to XXXX XXXX in XXXX. It was the first I had heard of this. HSBC had sent regular monthly emails to my email address through XXXX informing me that my e-statements were available to view. At no time did they inform me by email or phone that my accounts would be moved to XXXXXXXX XXXX. The customer service rep simply gave me an XXXX number to call XXXX XXXX if I wanted more information.
I expressed my incredulity that HSBC had done this without notifying me. Upon further investigation, the customer rep informed me that HSBC had actually closed my accounts and sent my checking and savings account balances to the State of California as unclaimed funds. Again, at no time did HSBC contact me via my email address or my phone, both of which they had on file and were still current in their systems. I had moved my physical address within XXXX XXXX XXXX, California several years ago. The rep claimed that HSBC may have sent mail to me at my old address, in spite of the fact that HSBC had encouraged me to shift to e-statements and e-banking instead of physical mail.
The fact that HSBC can unilaterally close or transfer accounts with minimal or no effort to notify their customers is frankly unbelievable to me. I am now in the process of attempting to reclaim my funds from the State of California.
|
| 07/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
1 ) My credit Card was stolen, I spent perhaps an hour with HSBC Fraud dept going over illegal and fraudulent charges one by one. They assured me they would be removed and only to pay what I owed. A new card was issued. This was on XX/XX/20 2 ) I did and sent a letter WITH the bill where I circled each fraudulent charge 3 ) I was assured by HSBC 's Customer Service people all charges I didnt not make AND THAT I IDENTIFIED would be removed.
4 ) You not only did not do that you charged me interest on them.
5 ) I tried calling your customer service dept again, after a 20 minute wait I explained the situation. I talked to a XXXX ( XXXX XXXX XX/XX/XXXX ). She said you need to verify you pin first, I explained I already did when I called, She kept insisting I go to you automated system to verify a pin I already entered, how could I speak to her otherwise?. She was ZERO help. I asked to speak to a Supervisor and after an epic 60 minutes, obviously she never came onthat is over 1 hour and 20 minutes to speak to someone with perhaps a semblance of intelligence to rectify HSBC 's MISTAKES. XXXX said she tried to get Supervisor but couldnt get one, Excuse my XXXX XXXX!
6 ) I wasted hours with their incompetence. All I want are the illegal charges taken off, as they promised, for them to remove a interest charge on monies they said Id did not have to pay. I paid what I owed. They mispresent the truth, did not, as required take disputed charges off and make it impossible to rectify with Customer Service people who can not speak English or know the banks procedures.
|
| 08/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I used my HSBC credit card to purchase airline tickets. I had contacted the merchant initially when I was billed twice on my credit card for an airline reservation booking. The merchant stated that i would be granted a refund within 45 days. I waited nearly 60 days and never received a credit. I contacted HSBC Credit card and they advised me that they would put it in dispute. They erroneously cancelled the wrong reservation and left me and my young family stranded in a foreign country. Fortunately, I was able to get us home by repurchasing the tickets, albeit, at 3 times the price. I contacted HSBC to rectify the matter. All the chaos and fiasco aside i would be willing to pay for the original tickets as purchased but HSBC argues that I should be held responsible and forced to pay for the tickets which had to be purchased due to their improper procedures in handling of the chargeback. I have tried multiple times to contact HSBC. I have provided evidence and even have letters from them in which they show conflicting evidence of which transaction they were charging back. The last supervisor who i spoke to gave me the following advice the next time i have an issue : He stated that the next time i have a problem, and am able to get a hold of the merchant that i should NOT involve the credit card company. I was appalled and shocked as this is normally one of the benefits to using a credit card. I told him the same and advised that i wanted to speak to another supervisor. I was told one would be in contact with me within 24-48 hours. It has now been over 1 week.
|
| 04/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Today, XXXX/XXXX/XX/XX/XXXX, at XXXX XXXX CST, I received a phone call from someone stating that they are with the XXXX and that they are representing HSBC Bank. She stated that they are working with HSBC to file Felony Theft of Business Services charges against myself and my husband due to a vehicle that was repossessed from us. The vehicle was repossessed back in XXXX XX/XX/XXXX. She stated that HSBC has been sending letters to us, but we have not received anything to date in regards to this. The address that they have supposedly been sending letters to, we have not lived at for over 6 years. We put in a forwarding address with the post office and our current address is listed on file with our credit report. The original creditor HSBC has already written off the debt and it has already fallen off of my credit report. I have not seen the collection for the debt listed on my credit report any longer as of XXXX XX/XX/XXXX. Can they legally file these charges against us on a debt that is almost 8 years old? Is n't this considered a " Dead Debt '' which in Texas is illegal to collect on? When I requested written documentation, she stated that it would take 30-45 days to receive in the mail. She stated that they only have it in their office for the next XXXX hours before it goes to be processed for a summons for court. She did not ask for my current address. She also stated that I would be receiving a summons in the mail to appear in court in regards to this matter. HSBC has made no attempt to contact me since XX/XX/XXXX when the vehicle was repossessed.
|
| 06/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Dear sir or madam, I am writing this email about the opening bonus for HSBC XXXX XXXX business checking account.
I opened my HSBC XXXX XXXXt business checking account on XX/XX/XXXX. At that time HBSC had {$300.00} promotion.
Deposit a minimum Qualifying Balance of {$5000.00} or more in New Money in the eligible HSBC business checking account ( XXXXXXXX XXXX, XXXX XXXX, or XXXX XXXX XXXXt ) within 30 calendar days of account opening ; and Register, and Log On to HSBC using the personal credentials you created and your security device within 45 days of account opening ; and Maintain at least the minimum Qualifying Balance ( s ) in your eligible business checking account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt ) for 90 calendar days from the date you deposit the minimum Qualifying Balance.
I fulfilled all requirements and on XX/XX/XXXX, I received {$200.00} bonus, it shows XXXX XXXX XXXX OFFER. I sent email and asked why my bonus is only {$200.00} instead of {$300.00}. The reply I received was current promotion is {$200.00}. The thing is the promotion was {$300.00} when I opened my account last year. I should receive {$300.00} bonus.
I also referred XXXX He to open HSBC XXXX XXXX business checking account, the account was opened on XX/XX/XXXX and used my referral code. Business name is XXXX XXXX, XXXX # XXXX. Per HSBC promotion condition, I should receive {$100.00} bonus.
Please investigate these two cases and deposit {$200.00} into my HSBC account, ( {$100.00} + {$100.00} = {$200.00} ).
Thank you very much for your help!
XXXX XXXX
|
| 10/24/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
On XXXX XXXX, XXXX, a lady called my elderly mother and told me I was going to be served court papers within XXXX hours and to make sure I was home. This was a case of fraud against me. She gave her a number I could find out more information and I called this number. She told my mother that I had given them my mothers name, addres, and phone number. My mother was in a panic. When I called the guy told me he could dissolve this out of court if I paid monthly for XXXX months and put XXXX down today. However, they said the debt was for XXXX on a credit card from HSBC. XXXX problems with this : I have never given my mothers name phone number or address to anyone except my employer as the emergency contact. I have never had a bank account from HSBC nor a credit card from this bank and I have lived overseas in XXXX for the past XXXX years with XXXX accounts in United States for the past XXXX years. I havent even visited United States in the past XXXX years. While I am a US citizen I have lived exclusively in XXXX and XXXX for my job for the past XXXX years. I diligently check my credit report from the writer states often to make sure that theres nothing on it and at no time in the past XXXX years have I ever seen anything from HSBC bank or from any other bank to suggest that identity has been stolen or that any type a valid account has ever been defaulted on. The phone number they told me to call was XXXX. When I figured out it was a scam I threatened to report them to the authorities and he used very XXXX language and called my mother a very XXXX name.
|
| 01/28/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I am writing in reference to my Advance Checking/Saving Accounts with HSBC Bank. On XX/XX/2019, in response to HSBCs advertisement offer ( Offer ), I opened an Advance Checking/Saving Accounts ( the Account ) in the local HSBC branch ( XXXX XXXX, NY, Personal Banker XXXX XXXX XXXX # XXXX ). Pursuant to the terms of the Offer and, as stated in my Account documents, after opening an HSBC Advance combined Checking/Saving Accounts with a balance of at least {$10000.00}, I would automatically receive {$370.00} after 90 days from the date of the account opening. As indicated above, the Account was opened on XX/XX/XXXX of 2019. I complied with all the terms of the offer by opening the Accounts for the required {$10000.00} and maintaining the balance of at least {$10000.00} for more than five months now. According to the terms of the offer and my Accounts documents, I became eligible to receive the promised {$370.00} in XXXX, 2019. However, HSBC declined my request for payment of {$370.00} without providing any explanation for their failure to honor the terms of the agreement. I called and spoke with at least 4 representatives at HSBC and the Manager XXXX but, as of today, I have not been given any explanation as to why my request for the promised {$370.00} was declined. I opened my Accounts in reliance of HSBC representation of promised payment of {$370.00} within 90 days. I have satisfied all the requirements for payment eligibility and HSBC breached its promise without providing any explanation for their refusal to honor the terms of our agreement.
.
|
| 02/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
XXXX XXXX purchased a credit card debt from XXXX XXXX XXXX, assignee of XXXX XXXX and hired XXXX XXXX to represent them in the Court of law in order to collect on the debt. On XX/XX/XXXX, a lady named XXXX who claimed to be with law enforcement agency and wearing a " badge '' and shorts, t-shirt, flip flops, came to my place of employment with her XXXX small children. She was asked to leave by human resources and to contact me at home. She left and then immediately called my place of employment again, being harassing. She left her number and I called her to try and set up an appointment and all She stated was someone would be out next week to my home address, which I verified with her, as I believe she was trying to give me Court papers. Instead, On XX/XX/XXXX, she showed up again at my place of employment. I asked her to please wait outside as I was getting ready to leave work and I would meet with her. I came out and she was still inside. I told her I needed to use the restroom. She said " really '' I said yes. Then when we got outside she continued to stand by the employee entrance area. I said this is embarrassing and why didn't anyone come to my residence. She accused me of avoiding her and threatening to fine me. They took me to court and Sued me and unfortunately the judge sided with them which I disagree with. Not only violating the FDCPA, the company failed to provide evidence that I owe the debt and that they have a claim in the debt. I asserted lack of standing not to mention being threatened, harassed and humiliated at my workplace.
|
| 12/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My identity and a mortgage scam have caused my house to be to foreclosed and possible eviction looms over me. From XXXX till XXXX XXXX I have been a victim of a predatory loan and {$52000.00} dollars to be paid to my bank HSBC and XXXX was stolen in a mortgage scam by people who said they were attorneys for the XXXX program. My original loan in XXXX I put {$6000.00} in escrow for my septic title XXXX is gone the bank, the attorney for bank do not know where it is ... ..its just disappeared but no work ever done! At closing no inspection was done and house has serious issues. XXXX informed me my personal information has been compromised I am a XXXX year employee of XXXX. I have filed paperwork with the XXXX of both XXXX XXXX and XXXX, the XXXX police and federal trade commission and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have receipts from all XXXX deposits I made to XXXX Mergers for payments for my mortgage to XXXX. Also wire trannsfers to XXXX bank XXXX .my wife is also XXXX retired postal worker. If there is anything you need. Please feel free to contact me at XXXX name is XXXX XXXX XXXX Also they hacked into my email and I was forced to change my email but it is XXXXXXXXXXXX thank you sincerely for any help you can provide and from XXXX XXXX till XXXX XXXX I did try to get a loan modification and assistance from HSBC and XXXX to right the ship but my house was upside down ... ... I tried everything to keep my house but due to the the identity theft my life has been turned upside down ... .i need your help, guidance and assistance thank you
|
| 04/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
In XX/XX/XXXX I closed all my HSBC accounts ( i.e., Savings, Checking and Credit Card ). In order for me to close the accounts, the bank requires that all balances are 0, otherwise they wont close your account. I therefore paid my credit card balance with money from my savings account ; set the balances to 0 of all the accounts and closed each account thereafter. HSBC mailed me letterhead notifications communicating that my accounts have been closed.
On XX/XX/XXXX, HSBC Collection team called me to say that my credit card had an overdue balance equivalent to the last statement balance that I had already paid. I requested them to mail me all my account statements ( for checking, savings and credit card ) for the past 3 months so I could verify the movements between my accounts. Given that my accounts were closed, I could not retrieve those online.
On XX/XX/XXXX, I only received the Credit Card balance statement, so I was still unable to verify my account activity. I called again and requested for the statements for my Savings and checking as well.
On XX/XX/XXXX I received again the credit card statements. I tried calling the bank, and the line goes silent.
I explained several times to the Collection team that I want to check my accounts statements to verify the activity before my accounts were closed ; so I can verify that my XXXX payment did not go through. As of today, the bank failed to respond to that request, which already generated a monetary impact due to the late payment fees they continue to collect, but also to my credit score.
|
| 08/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Dear officers, I am sending this letter to inform you with that my previous lender HSBC did not complete their true investigation regarding unjustified extra charges they made into my account. HSBC charged me the extra amount of {$3400.00} on XX/XX/XXXX ( attach-1, HSBC bank payoffs items, recoverable balances ).
HSBC stated that this amount was outstanding foreclosure fees incurred in XXXX. I communicated with HSBC several times and explained that this charge had already been capitalized and added to my new modified loan amount as indicated on XXXX loan modification ( attach 2 ).
Per agreed executed Loan Modifications Agreement date XX/XX/XXXX between HSBC and myself, it is implied all late interests, and other amounts ( late charges, unpaid balances, interest penalties, foreclosure fees ) up to the agreement date were capitalized ( summed ) and new loan terms started based on the total sum of {$620000.00}.
This above said amount ( {$3700.00} ), had not been disclosed in the Loan Modification Agreement as additional charges. Based on consumer protection act lenders must disclose all charges including late fees, extra payments, penalties and etc. directly and explicitly to consumers in advance.
At this time, I kindly request both CFPB and HSBC look into this problem. I demand HSBC to disclose and prove that the said amount {$3700.00} was mentioned ( written ) within the agreed Loan Modification Agreement.
I am unfairly double charged. My money should be refunded immediately.
Thank you very much for your kind and prompt attention.
|
| 04/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
On XX/XX/19 I applied for an online checking account with HSBC. After answering some credit bureau questions my account was denied. We then tried to apply on XX/XX/19 for my mother to open an account and she didn't even make it to the credit bureau questions and she was also denied. We called to ask why this was and we were told that they could not give us any reason why we were denied. We were told to ask for our credit report and see if there were any holds or wrong information. My mother and father just bought a home in the last month so I know that everything with their credit report is fine. We were then told that we also should try to apply from a " desktop PC '' because I was applying from my laptop and it could be that also.
I just opened a bank account recently with XXXX XXXX and did not have any issue. My mother and I also just opened an account two weeks ago at XXXX XXXX XXXX without a single issue. I use to work in a bank and I know that if the credit report was showing different information we would ask them to bring in additional proof to establish their identity. At neither one of these account openings was that even requested. We opened our accounts with extreme ease. However HSBC is refusing to open any account for us. HSBC is refusing to inform us by phone as to the reason they are denying us and they have failed to inform me by mail as to why they are denying us. So it is literally impossible for me to try to remedy whatever issue they are having with my application. It's as if they simply want to refuse me service.
|
| 10/02/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
A foreclosure case has been commenced against the borrower in XXXX XXXX. Currently, mandatory settlement conferences are being held pursuant to NY XXXX XXXX XXXX. At a settlement conference held on XXXX XXXX, 2015, the Court directed the borrower to submit his most recent financial documentation to HSBC 's attorneys by XXXX XXXX, 2015, and directed HSBC to render a decision on the modification application by XXXX XXXX, 2015.
On XXXX XXXX, 2015, the borrower, through counsel, emailed HSBC 's attorneys copies of the borrower 's six most recent pay stubs and two most recent bank statements for each of his accounts. HSBC 's attorneys confirmed receipt of these documents on XXXX XXXX, 2015. On XXXX XXXX, 2015, the borrower 's attorney received XXXX letters from HSBC, dated XXXX XXXX, 2015 and XXXX XXXX, 2015. In the letter dated XXXX XXXX, 2015, HSBC claimed that the borrower 's application was incomplete and asked that he submit certain documents by XXXX XXXX, 2015. In the letter dated XXXX XXXX, 2015, HSBC said that it would discontinue processing the application because it did not receive the allegedly missing documents by the deadline. Neither the borrower nor the borrower 's attorney received either letter before XXXX XXXX, 2015. The borrower appealed this decision to discontinue the review on XXXX XXXX, 2015.
At a settlement conference held on XXXX XXXX, 2015, HSBC 's attorney stated that HSBC would continue with its review of the application. To date, however, the borrower has not received a notice that the application is complete.
|
| 11/30/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am filing a complaint against HSBC Bank USA for gross mishandling of my finances, a lack of transparency, and a failure to locate my funds. I had over XXXX XXXX XXXX dollars saved in different HSBC accounts.
Issues began when a new person assigned to me as financial advisor/FA, noted that I had several open accounts and, in an effort to simplify my money, the Financial Advisor stated that she would merge my funds into one account. I agreed because the FA promised that this would make managing my funds easier. Following this, I noticed that the funds in the account did not reflect the total amount of money she had prior to the merging of accounts, by a dramatic margin. As such, I requested clarification from the FA in order to locate the funds. The FA has refused to clarify where my funds are. At times, the FA has refused to speak with me altogether.
Separately, when I expressed my disagreement with investing my money, the FA pressured me into doing so, claiming that it would help grow my money. To date, I do not know where those funds are.
I have tried to seek assistance from other HSBC staff but unable to get far as the financial advisor interferes with my attempts to receive clarity.
HSBC claims that I do not have an open account with them and can not locate any of my previous accounts. However, I have documentation/bank statements proving her several accounts with HSBC and the balance amounts.
I am requesting an investigation into HSBCs handling of her funds and assistance recovering my lost funds which total over $ XXXX.
|
| 01/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I previously submitted a complaint with CFPB on XX/XX/2020 and HSBC responded to the complaint on XX/XX/2020 by promising that the credit would be posted to my account within 4 weeks. After more than 2 months, the credit has still not been posted. My original complaint is copied below for reference. And HSBC 's previous response, which they never fulfilled, is also attached.
-- -- -- -- -- Original complaint follows >>>>>>>>>>>>>> I signed up for the HSBC Premier Checking Account in XX/XX/2020 and funded the account with direct deposit in response to a promotion to receive 3 % cashback ( up to {$700.00} over 6 months / {$120.00} per month ) of deposits. After waiting more than 4 months after continually funding my account with direct deposits every 2 weeks, I contacted customer service about the cashback bonus. Initially, customer service just repeated the promotional terms to me, which I had clearly satisfied. After numerous additional calls and secure messages, I was told that my account was ineligible for the bonus because, they claim, that I did not sign up for the account from their promotion landing page. This claims is false because I specifically made sure I signed using the promotion page ( because that's how I found out about the cashback bonus and decided to open the account ). In addition, I called customer service after I signed up for the account to confirm that I would be eligible for the bonus and customer service confirmed that I was. In conclusion, I am owed {$700.00} in cashback bonus that HSBC is refusing to honor.
|
| 07/03/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XX/XX/XXXX & XXXX, XXXX I had " Cancelled '' the loan in question due to many, many errors regarding the loan within the 3 day period and was acknowledge by XXXX XXXX XXXX in writing per the attached documents dated, XX/XX/XXXX & XX/XX/XXXX, requesting us to sign new loan documents. HSBC Mortgage Services, XXXX XXXX XXXX and now XXXX XXXX documents are back dated ; altered ; wrong loan numbers ; XXXX illegally signed by Notary ; Adjustable Rate Note page XXXX has "? " ; Good Faith Estimate was for a VA Loan for XXXX years NOT a first and second ; reasons why I cancelled.
See attached XXXX and Error Resolution Notice Under 12 C.F.R. 1024.34, dated XX/XX/XXXX and XXXX XXXX XXXX dated, XX/XX/XXXX, and as of today 's date NO response from either XXXX XXXX or XXXX XXXX with the XXXX days per RESPA.
XXXX - Tried to refinance with XXXX XXXX XXXX XXXX and like the previous years could not get pass the Title / Deed XXXX - Tried to refinance with XXXX XXXX XXXX and like previous years could not get pass the Title / Deed process.
So how can XXXX XXXX Foreclose on a Title / Deed that is illegal?
The Government has fined each one of these servicing companies for violations that are still going on : HSBC : US District Court for the District of Columbia XXXX XXXX No. XXXX XXXX XXXX XXXX : US District Court Eastern District of New York XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX CFPB Administrative Proceeding XXXX No. XXXX The following are CFPB Complaints : HSBC - XX/XX/XXXX : XXXX XXXX XXXX XXXX- XX/XX/XXXX : XXXX XXXX XXXX - XXXX : XXXX & XXXX
|
| 07/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited my XXXX XXXX Stimulus check, and upon the bank 's Disclosure and Agreement, even for the new accounts, the check MUST be available on the next business day that's also what the bank teller told me. However, they put an extended hold for which I had to waste 3 hours of my work morning to find out what's going on. When I reach the representative, he said it's your first deposit so that's why there is a 5 business day hold on the Government Check. I told him to give me a temporary credit and while I was finishing my sentence he hangs up on me. I tried to chat with several representatives, no one helped me. They are violating their own disclosers and my rights and there is no one to contact with.
I also made cfpb complaint # XXXX and received emails from the bank saying - We are still investigated your complaint.
However, after wasting 2-3 months, all I received was thair Deposit account agreement and that they have the right to close my account. The company 's response is nonrelevent and does NOT address to my questions and concerns.
Besides this problem, bank says they are planing to close my accunt. It's been over 3 months and I still haven't receive my account closing balance. They are holding my money and are not sending me a check while claiming the account is being closed. My rights are seriously violated. I wasted 3 months waiting for thair answer and for my money in the mail and they failed to do both. Their account agreements are NOT answering my concerns. If company continue to ignore I will move to Federal Court.
|
| 04/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened an HSBC account checking account in XXXX , XXXX when HSBC had a promotion of {$350.00} for opening a new banking account with it. I received my bonus on XX/XX/XXXX after I fulfilled all requirements. However, I never received the IRS XXXX in XXXX XXXX XXXX when bank was supposed to provide to customers by XXXX . Customer service representative informed customers that HSBC wo n't sent out until XX/XX/XXXX Surprisingly, HSBC sent out the IRS XXXX form on XXXX XXXX XXXX with a letter admitting their mistake and oversight. They further offered customers the reimbursement of any cost of amending tax return filing. On XX/XX/XXXX , when I called the customer care number on the letter after I refiled my tax return. The first rep was not aware of this issue, and put me on hold while contacting her supervisor. The phone call was dropped after 37 min of hold. I called back immediately, and another rep answered and said she knew the issue. But she said there was nothing she can do and hang me up without any hesitance. The whole issue was caused by the " oversight '' mistake from HSBC side, and it sent out an apology letter and offered some assistance. However, its customer care reps instead of helping customers out as indicated in the letter but treating customers unprofessionally, and refused to honor its own company 's notice to help. Based on customers 's comment online including but not limited to blogs, social networks, what happened to me was quite ubiquitous.This is not acceptable.
|
| 10/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
In XX/XX/XXXX, my husband XXXX XXXX and I closed his accounts with HSBC. Despite that, we received a statement in XX/XX/XXXX for an amount we own as we accidently charged the HSBC card for a transaction we made. We paid the balance, called and went to a branch ( XXXX, NYC ) to confirm the accounts are not all closed. The banker and the call center representative confirmed all accounts are now closed.
A YEAR later, XX/XX/XXXX, we received a statement in the mail informing us the card is closed. However, at the same week we received a later showing we have an amount due on the card. When we called the call center we were surprised to find that not only we have an amount due but that the bank has moved our account to COLLECTIONS! Which obviously impacts our credit score! we did NOT receive any notification of this amount previously or were aware of such charge ( as we were told the card was closed ).
We called the bank multiple times, each time the representative told us to call a different department ( from general to recovery to collections to disputes ). This is absolutely outrageous! Firstly because we did NOT use the card! Secondly, because even if we did, as the bank confirm the card was closed, the transaction should have been rejected! and THIRDLY, if a charge was made, we should have been informed BEFORE the case went to COLLECTIONS! HSBC has been harassing my husband who is a doctor and a resident at a hospital with a very limited time! they DAMAGED his credit score!! and they have accepted a charge on a CLOSED account!
|
| 03/27/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I had an HSBC credit card that was opened in XXXX XXXX. The last date of activity on the account is XXXX XXXX, XXXX.
My husband was contacted by XXXX XXXX XXXX XXXX, XXXX in XXXX of XXXX regarding this account. He was told we needed to take care of this debt immediately or a judgement would be filed and we would be served. We both reviewed the account and knew it was beyond the statute of limitations. They continued to call and harass my husband at his office of employment. XXXX XXXX XXXX XXXX, XXXX NEVER contacted me directly even when asked to do so. They also made statements to my husband such as " I can see on your credit report that you are well off and can handle this debt. '' They were told to no longer contact us.
In securing a new mortgage, we discovered they had pulled my hard credit report in XXXX of XXXX regarding this account effectively damaging my credit rating.
I contacted them and spoke at length with XXXX XXXX on XXXX XXXX, XXXX. They indicated a judgement would be filed and that I needed to pay a total of {$1900.00} on a credit card account, past the statute of limitations, that had a balance of {$600.00}. I kept explaining the debt was beyond the statute of limitations and they could take no legal action. They indicated the last date of activity as XXXX XXXX. I corrected them several times as the date of last activity is in my credit report. They threatened that the next course of action would be to file a judgement and have that information corrected.
I ended the call after speaking with a supervisor.
|
| 01/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX I got a phone call from a person with the last name XXXX stating that I owed {$2100.00} they said that they had filed a court case and they were holding it until I paid the money they would also settle for {$950.00} or lower knowing that my father had passed away. The company said that their name was HSBC they said that the case number was XXXX however I was not able to find this case when I looked it up. The person I talked to today XXXX the XXXX XXXX was XXXX she did not give me a last name she said my debt was really old from XXXX to XXXX for a MasterCard through XXXX XXXX and through XXXX XXXX XXXX they had my address my phone number my social security number my driver 's license number and my wife 's name their phone number that they called me from was XXXX. I told my wife to look up the information she can not find anything about this company except for that there's a bank named HSBC that's very reputable it's not a collection agency. when she called the number, the phone rang a few times before finally reaching a voicemail saying that there's nobody able to take the take the call at the point in time but if I left a voicemail they'd get back to me. they have not sent me any formal paperwork there's no documentation it's not on my credit report that these this dead even exists I I have I have two credit cards out right now and good standing I've called the companies I haven't worked with XXXX XXXX XXXX since the XXXX and I could just tell that they weren't a real company and I'm just trying to report that
|
| 09/13/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We received a letter today from Household Finance Realty stating they were going to take more money from our bank account because we have n't paid our taxes or insurance on our property.We always pay our own taxes and insurance on our property, This company has no reason to even take money other than the XXXX per week for our mortgage.When we refinced with them years ago they told us that if we paid weekly that our loan would be pd off in seven years so that is whar we did, we thought that was the best thing to do so when we got ready to retire we would have the loan pd off.When the seven years came about they were still taking money from our account so we called them and they said that was not the way it was suppose to be.Now they tell us we still owe XXXX on this loan and they are going to take XXXX more from the payment every week because we were late on our XXXX tax and did n't pay our school tax.We call our local off and we pd our XXXX tax XXXX XXXX and we do not pay a school tax because of the star program.We contacted our insurance company and we have always pd our insurance on time.I told this company that they do not have our permission to take anymore money out of our account, thsi company should not be in business, there have been thousands of complaints about them always saying everybody owes them more money, The government has to close this business up, so they cant take advantage of anymore people.We are contacting a lawyer to see why they are still in business even after the XXXX has had thousands of complaints.
|
| 12/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Regarding HSBC Mortgage loan # XXXX I have spoke to XXXX different people at HSBC requesting information be sent to me and have gotten XXXX different answers.
I am asking for the last 3 years ( up to current ) payments made on above mentioned loan. The bank is saying that they wont e mail it or will only send it to the address that the loan is for. It also isnt available to me online.
My ex wife lives at the address ( she is also on the loan ) but I am still 1/2 owner of the property. I obviously can not receive any mail at that address and the bank refuses to send the information to my apartment address ( listed below ). I gave the bank written permission to send me a copy ( by e mail ) of a letter they sent to the loan address regarding forbearance and they e mailed me that info 3 months ago BUT they refuse to send me a copy of payments made claiming they cant e mail this info. They also refuse to send it by usps mail. This is not the nuclear codes its simple payment info. I answer all of there security questions when I speak to them so there is no reason that they cant e mail or regular mail the info I am requesting.
My info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX Property info for the loan is : XXXX XXXX XXXX XXXX XXXX NY XXXX This house is on the market for sale and my attorney is requesting this information. The house cant be sold without my attorney having this information so there is a time crunch for the info. Your help is greatly appreciated.
Thank You XXXX XXXX
|
| 01/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I got a robo call from an Idaho Number suggesting legal action on XXXX sent it to voice mail. I called the number they provided and they claimed a debt from HSBC for {$350.00}. After fight over the phone Im requesting validation of debt and being hung up on multiple times I finally got an email sent with a debt claiming HSBC for {$570.00} however no dates of the debt they would only provide verbal dates of XXXX through XXXX of XXXXThe email also showed an address on file with them that I moved from in XXXX of XXXX. I asked over the phone for validation of debt and provided my current address on XX/XX/XXXX. They said they are not responsible for burden of proof. I called again on XX/XX/XXXX asking for what address I write to gain validation of debt and they said the address in the email. I asked if it was the address of their business I would write to or who owned the debt. I was told who owned the debt. I asked if that was them they said yes. So I asked if they own the debt then they are responsible with burden of proof for validation of debt. They said they are not and will provide that through judge on my court date. They still had my address from 10 years ago on file and had to dig through the notes to see the correct address and county. Multiple times XXXX would hang up on me when I would get confrontational in my questions. Her supervisor Mrs. XXXX wouldnt provide any info and hung up on me.
The name of the company is XXXX XXXX XXXX with a mailing address of a XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
|
| 01/11/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Hello, I apply online for HSBC US BANK BONUS offer of {$350.00} the rules and the terms of this offer is to deposit {$10000.00} in new money keep the money on the account for 90 days from the day you deposit the fund than wait 60 days after that to get the {$350.00} bonus deposited directly to my checking account so I did exactly according to the bank rules I open a checking account on XX/XX/18 I funded the account with {$10000.00} on XX/XX/18 I waited 60 days before I touched the money I waited more than 60 days after I met all the requirements I call the bank customers service many times asking them about my bonus they offer to the consumer when they meet all the requirement they informed me the only thing they can do is to put inquiry about the issue to the back office and I have to wait for the respond I waited 5 months and 26 days and nothing happen I got zero. One girl called me from HSBC customer service she told me I was denied the bonus and she couldn't tell me the reason why I was denied the bank just denied me for NO reason or any explanation whatsoever BASICALLY HSBC bank took {$10000.00} from me and they invested it for almost 6 months and they gave me ZERO DOLLARS THEY BROKE THEIR PROMISE AND THEY DID NOT HONOR WHAT THEY ADVERTISE ONLINE OR AT THE BRANCH I THINK THIS IS NOT FAR FOR THE CONSUMERS TO BE TREATED LIKE THAT BUY GIANT BANK TAKING MONEY FROM HARD WORKING MIDDLE-CLASS PEOPLES AND THEY INVESTED IT IN THEIR PROJECT TO MAKE MILLIONS AND THEY GIVE THE CONSUMER ZERO DOLLARS I THINK THIS IS A TYPE OF SCAM
|
| 09/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a phone call on my personal number saying that I now had an upcoming court date. The number was a XXXX area code, the same as mine, but I was supposed to call back an XXXX number. They stated the court case number in the message. They also called my employer, and left the same message, revealing my court case to my employer. I have not been previously notified of this debt, nor did I have any knowledge of it. They claim this is a credit card from XXXX XXXX in 2009. I contacted XXXX XXXX and they did have a record of me having a credit card, but that I paid the amount owed in full and they had no record of having to sell it to a debt collector. When I talked to the collector on the phone, they put me on hold to speak to the original creditor, and came back with a settlement agreement which they then emailed to me. I googled the name of the company- XXXX XXXX XXXX XXXX XXXX and was unable to find anything. I also did a reverse look up on the phone numbers given to me to contact them and couldn't find anything. I emailed them back asking for proof of ownership of this debt, and their response was that they were unable to provide it as the " discovery process '' was already over, even though this was the first time I had been notified of this debt. I am at a loss for what to do, as they claim the original creditor was XXXX XXXX, and I spoke to them and they have no record of this. I also feel that it is illegal to give out a court case number to my employer and leave it in a voicemail that anyone could have heard.
|
| 01/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
HELLO, On XX/XX/XXXX I paid the total balance of {$5000.00} that is displayed on my HSBC Credit card account. Few days later, I had seen {$17.00} as late payment. I contacted customer care couple of times and I clearly mentioned that I made payment in full. I requested them to close my account. I have not received any confirmation that my account is closed. In the month of XX/XX/XXXX, I had seen another charge in the amount of {$37.00} as late fee. I contacted customer care again and clearly stated that I paid the amount in full and I requested to close this account. But the customer care keep on stating that their department doesn't handle these queries. They transferred my call to another department and they told the same story that their department doesn't handle credit card queries. They keep on transferring my call across multiple departments until i give up. Recently I got a year end balance statement and it is showing that I owe them {$180.00} in late payments. I contacted customer care again on XX/XX/XXXX and I clearly explained my plight. They again transferred my call to another department stating that they dont handle credit card queries. I contacted the number mentioned on their website and I contacted another number given to me by their online chat department. Now I received another number XXXX. I will contact them again tomorrow to resolve this issue. Their customer care department is playing with loyal customers if they decide to close their account. Felt very disappointed and very bad customer service.
|
| 04/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have been trying to obtain a mortgage and I was informed of an account that is shown as charged and closed with an outstanding balance. I immediately called HSBC regarding this and I was informed by them that I am not authorized to speak to them because I am only and authorized user on the account and not the account holder. When the account holder called and asked that something in writing be sent to me to show I am not responsible for the payments, she was then informed that nothing can be sent with my name on it because I am again " just an authorized user '' HSBC has messed with my credit regarding this account and had done nothing to help fix it. It was never even reported to my credit report that the account has been paid off. I asked to speak to a manager regarding this on going issue and was told he was not available and left my number for them to call and never received call back. This has taken place over multiple days within the last few weeks. The last call that was made to HSBC wad on XX/XX/2019 and I believe another call was also made in XX/XX/2019. I believe there was also another called made but do not recall the date. The only thing this company has done is send a letter to ny mother who is the account holder saying the balance is XXXX however there's nothing on it to show I am not responsible for the payments but it is still reflecting on my credit report. The company said they would bullseye it however I see no reflection of this. The company has made me liable for this and it has now injured me!
|
| 11/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. It lists the current creditor as XXXX XXXX and claims the balance is {$3000.00}. They advised me in this letter that a judgment was entered against me and has been placed for collections. They claim that I am being charged interest daily and I have 30 days to dispute this. I do not understand how a judgment was entered, without my knowledge of this. To my knowledge, I have not received written correspondence from this company or the original creditor regarding this debt or the alleged judgment. I am researching here in California about credit card debt, collections agencies, judgments as well as statute of limitations and XXXX. This has not appeared on my credit reports, that I am aware of. Am I disputing this? Absolutely I dispute this. I am unsure if I should call XXXX to ask for written correspondence about this debt, with the name, address and account number, along with the name of the courthouse and Judge that issued the judgment. I understand that predatory lenders may try to trap you or get you to say things and I hesitate to call directly because of this. My understanding is that debt has a 4 year statute of limitations in California. I also understand that predatory companies will file against people without their knowledge, hoping to get a judgement. I believe this is what has been done to me. How can a judgment be entered without ever contacting me or serving me papers? I have blocked out any personal information as this website advises.
|
| 11/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I need your help please!! I continue to receive harassing calls from a company called XXXX XXXX XXXX XXXX. They claim to be representing HSBC Credit Card Services and stated that they were hired to collect on a debt in the amount of {$2200.00}. They have called my family several times regarding this matter. They could not give me the account number or the date the account was opened. I called XXXX XXXX and spoke with a young lady named XXXX who informed me that they did not hire XXXX XXXX XXXX or any company to represent them. In fact, they stated that my account was closed when they sold my account to XXXX XXXX XXXX. On XX/XX/XXXX I then contacted XXXX XXXX XXXX XXXX ( XXXX XXXX ) and she told me that my account was closed in XX/XX/XXXX when I filed bankruptcy. My bankruptcy was discharged by the state of Texas. XXXX XXXX XXXX advised me to file a police report due to the constant harassment and what they believe is fraud. I called XXXX XXXX XXXX again to let the rep XXXX XXXX know that neither XXXX or XXXX XXXX XXXX claims to have hired them. Well, XXXX proceeded to transfer me to her supervisor who started yelling at me saying " you owe this debt '' and became belligerent to the point where I had to hang up on him and block the number. These people have all of my personal information and continue to harass me daily. They call from different numbers and although I have blocked several of them ... they continue to call. I tried to reason with these people but they're not listening and will not stop harassing me.
|
| 10/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Servicemember |
|
I responded to an offer to open a checking account at HSBC. The opening process was excruciating but I worked through it. I made two transfers of funds and was disappointed both times by an extremely long transfer time. Everything about HSBC is slow and clunky. I attempted to close the account on XX/XX/2018 by contacting customer support. I was advised that there would be a fee for closing the account before six months through a rep but if I were to transfer my balance out first there would be no fee. This advice was given by phone and I have a recording of that conversation. When that transfer was complete on XX/XX/2018, I called back to close the account and that rep refused to close the account because there were insufficient funds to cover their fee. I was told that I would have to transfer {$25.00} back in. I have a recording of that conversation. All transfers were initiated via the HSBC web service, this transfer took a full week. When the funds finally showed up on XX/XX/2018, I called back and closed the account. That rep again attempted to convince me to keep the account open. I firmly told her to just close the account. I was told that the account was closed. I have a recording of that conversation. I logged back in on the XXXX to make sure and not only was it not closed but they have assessed a " {$25.00} minimum balance fee. '' HSBC 's purpose here seems to be to keep the account open by refusing to close it for the express purpose of assessing exorbitant fees. I believe that this constitutes FRAUD.
|
| 07/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I am retired XXXX XXXX and always but Honor, Respect, and Loyalty first. I did not think much of anything when I was receiving letters in the mail about a debt. When I looked into it I discovered the it was a debt that HSBC sold to XXXX. I had taken a loan with HSBC in XXXX and have proof it had been paid off. I sent a copy to XXXX XXXX XXXX XXXX and there response was it is a loan that was taken out in XXXX. I did not understand because my loan was XX/XX/XXXX and I received an original copy paid. Despite my plea they did not care.
In XXXX they sent an order through XXXX XXXX and tried to garnish, but to no avail. After I asked for a promissory note, something with my signature XXXX could not, so they cause of action and moves Court to dismiss the case from my bank. But, what I did not know it was hanging out in the cloud somewhere. I sold my house and now it showed up again and the Title company is only following their protocol and held back some money. They informed to to write to CFPB to get help and have this company to stop harassing me.
Once again, XXXX XXXX XXXX has not responded to proof of loan and have giving me the run around. I even had the Title company agent represent me and asked for information, but to no avail. The Title company agent tried calling several times like I did, but was given the run around. This debt does not show up on my credit. I've been able to refinance my home through HARP and by vehicles and get other loans with no problem. This has been a thorn in my side. I need Help.
|
| 09/28/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I am filling this complain because HSBC disqualified me from earning a checking account bonus due to the fact that I have an existing credit card account with the bank. However, the terms and conditions included regarding opening the checking account and earning a {$200.00} bonus specifically mention that customers can not have a consumer deposit or investment account prior to opening the checking account for a specified period of time. It's disappointing that the person who handled my response " XXXX '' who has a senior position can't tell the difference between a deposit account and a lending account. The first one is an account where customers deposit money and the second one a product where customer have a specified line of credit.
I don't accept HSBC 's disqualifying me from an offer that I am clearly eligible for since I never had a deposit ( checking, savings ) account or an investment account with the bank before applying for my existing checking account and a credit card account is definitely not a deposit account.
The terms and conditions didn't disqualify people based on previously having " Any type of account ''. They specifically mentioned Deposit or Investment account which I never had before.
I urge HSBC to honor the terms and conditions stated in the original offer and credit my checking account with {$200.00} bonus.
If HSBC senior employees can't tell the difference between deposit products and lending products then the best course of action would be to move my funds to a different bank.
|
| 09/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a call today, XX/XX/XXXX, stating that I owed {$1200.00} to XXXX XXXX XXXX from XX/XX/XXXX. My wife and I were both on the call. The lady on the phone, XXXX XXXX, claimed that we were on a recorded line and went on to state that I had two allegations against me and a complaint has been filed. She mentioned she worked for XXXX XXXX XXXX XXXX and that she was a mediator for XXXX XXXX, the attorney for XXXX XXXX XXXX. XXXX XXXX threatened that I would be served at my home or work. She had information like the last four digits of my social, my mothers name, the current company I work for and an old street name I used to live on. None of the dates coincide with what she was saying. She also mentioned someone by the name of XXXX XXXX, but when asked for clarification on who that was, she denied stating that name. When I asked for a recording of the call, she started getting upset and stated that the recording would be used against us in a court of law during the discovery period. She also mentioned that they had tried several attempts to get a hold of me and the company decided not to put this on my credit report, rather try and collect it from me through mediation and court.
While doing some research on XXXX XXXX, I came across this website also describing the exact call I received. XXXX XXXX XXXX While doing some research on XXXX XXXX , I came across this website also describing the exact call I received : XXXX XXXX XXXX The number they used to call from was a landline in XXXX, Texas. XXXX-XXXX-XXXX.
|
| 06/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
HSBC ( Hongkong and Shanghai Banking Corporation ) dba : Household Finance Corporation ; Beneficial Finance XXXX XXXX XXXX XXXX, XXXX, MN XXXX The Mortgage Bankers at HSBC gave us a sub-prime mortgage loan on which they foreclosed in XX/XX/XXXX.
Our family has not been compensated for the illegal foreclosure of our home during the XXXX foreclosure crisis. We are asking that we be fully compensated {$300000.00} for the bank 's seizure of our home. There are millions of dollars floating around within the financial systems to compensate families like ours, yet we have not received compensation for the seizure of our home.
My son was XXXX XXXX XXXX when our home was Foreclosed. He is now XXXX XXXX XXXX, and through his studies at school he has become well educated in the 'Troubles ' of XXXX XXXX and the XXXX Conflict. Similar to these situations our family was DISPLACED. We have been homeless and domestically unstable since our house was seized XX/XX/XXXX and then immediately sold on the Foreclosure Market for well below it 's actual market value.
I have had discussion with my son regarding the conflicts that arise in other parts of the world when people are displaced from their homes. I told my son I do n't want to talk about XXXX and I do n't want to talk about XXXX anymore. I want to talk about the XXXX and getting XXXX and XXXX XXXX ( our family ) compensated for the sub-prime mortgage foreclosure of our home XX/XX/XXXX. We are asking to be immediately fully compensated for the illegal seizure of our home.
|
| 10/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Re : XXXX XXXX XXXX I have been working with HSBC Bank and their third party mortgage servicer, XXXX. I requested a Mortgage Modification when coming off a period of unemployment to remove my former Wifes name form the mortgage and was directed to apply for an Assumption and at one point was told by a Loss Mitigation Customer Service representative that I needed to go through the Assumption before the Modification. I submitted my Assumption package and Quitclaim in XX/XX/2020 with a check made out to HSBC in the amount of {$2900.00}. At the beginning of XXXX, I was called by a XXXX representative and advised that the Assumption was not assumable and I would be receiving a check. I received a letter dated XX/XX/2020 stating the same with no check and no reference to a check. I sent an email to HSBC / XXXX as directed on XX/XX/XXXX and XX/XX/XXXX asking for an update on my refund. I also called HSBC Loss mitigation ( Dovenmuehle ) on XX/XX/XXXX and XX/XX/XXXX. I was told I could not speak to anyone in the Assumption area ( I had asked for a supervisor ) and was directed to send another email. Dealing with HSBC / XXXX has been horrendous. It is well over 30 days and I am requesting your assistance with my refund.
I have enclosed a copy of the HSBC Letter directing me to apply for an assumption, a copy of the cancelled check made out to HSBC as well as copied of my email communications.
Any assistance you can provide would be greatly appreciated. Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX
|
| 11/06/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid {$3600.00} towards a credit card ; in which my ex-wife had in her possession, charged to the limit and stopped paying. The cashier 's check is dated for : XX/XX/XXXX. This account was awarded to her in the divorce, however, she did not take the judgement serious. Because the card was in my name, of course I had to make good by it.
Once this account was paid in full, not too long after ; the account was removed from all XXXX credit reporting agencies. In looking at my XXXX report dated : XX/XX/XXXX ; XXXX added this account back on my XXXX credit report on XX/XX/XXXX ; it states it is paid ; but it is still affecting me. Also as of : XX/XX/XXXX ; the 7-year diary has been reached and this account should not be on any of my credit reports.
I have contacted XXXX via email on : Twice, disputing their letter written to me on XX/XX/XXXX. Both emails are dated : XX/XX/XXXX I also sent the emails to them by regular mail. I have not heard back from them, nor have I heard back from XXXX, in which I mailed them a letter on : XX/XX/XXXX ; disputing this same account and asking why, once the account was removed, how did it get added back on my credit report???? I disputed the fact that they have this account on XXXX, stating it is paid, but they are refusing to remove it. It is not legal for a company to remove an account off of a report and then because they feel like it, add it back on ; without my knowledge and even after it was paid in full. Please help me with this issue. I want this account removed ASAP,
|
| 01/17/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We have a second mortgage with Household Finance Corporation, HSBC Group. Not only do we have a high interest rate of 6.979 %, but we also found out that there is " deferred interest '' with a balance of {$8900.00}. We have been paying on this second mortgage for about 15 years maybe more, and I believe also our original second mortgage was about {$65000.00}. I have called HSBC on numerous occasions and can not seem to get a straight forward, logical or understandable explanation of this high added " deferred interest ''. They called this a " simple interest '' loan, but their explanation of it is anything but simple. Please help me to understand this because with this " deferred '' interest added on, our interest rate over the past 15 years on an annual basis I feel has been extremely high, especially when the {$8900.00} of the {$65000.00} originally borrowed is about 14 % in addition to the 6.979 % interest rate. We plan on refinancing our first, and adding this second mortgage to it, however, it does n't seem like we have paid off anything at all on the HSBC loan even though we have had it for so long and have paid them at least {$76000.00}. The statements they send us are quite vague as well. It includes no original mortgage amount, date or breakdown of the fees and " deferred '' interest and no one there can seem to explain it to me in consumer friendly terms. There is also a {$330.00} " Outstanding Fees and Charges '' that I have not been given an explanation or breakdown of as to when they occurred.
|
| 03/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
Dear reader, I am with HSBC since XX/XX/XXXX and got my social security nr on XX/XX/XXXX.
since then i was told that i would have to wait to get my credit score but I never had it.
When I contacted XXXX and XXXX, they both answered that I was unknown to them.
On XX/XX/XXXX i started communication with my account representative informing him that i didn't have the possibility to see my Credit Score.
He told me to wait 3 months as my Social Security nr was too young and i had to give time to the system to generate enough history.
Since then i have been in contact with the Branch Manager at HSBC XXXX, then with the Manager, Executive Office | XXXX Customer Relations | XXXX XXXX XXXX XXXX, with no more results ( all emails available between XX/XX/XXXX and today ).
They told me that they report the history of my credits properly and the problem is at XXXX side so i had to call XXXX. I called but after many hours of discussion with different people it ended that they give me a list of information that HSBC had to provide me to be able to trace the reporting.
When sending those details to HSBC they told me there were some internal nr they can't provide me with and asked me for the name of the person of XXXX that i had on line but obviously call centers never give their name.
I have all emails to HSBC but not for experian those were only phone calls.
I am really desperate to find a solution to this problem as obviously i am stuck without any possibility to buy a car or a house.
Thank you for your help
|
| 10/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
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|
I was approved for the HSBC cash reward master card on XX/XX/XXXX. I received my card soon after and made several purchases with the card, around 10-20 transactions. After this, my card was frozen and I could no longer use the card. I contacted hsbc, and received an associate within 15 minutes. He informed me I had a fraud freeze on my account, due to a new account, he transferred me to hsbc fraud department. I was placed on hold for an hour before an associate answered, I have her rep number, she sent me a pdf form to fill out and provide additional information on proof of residence on XX/XX/XXXX. I completed the form as soon as I received it and returned it to them XX/XX/XXXX. Soon after I attempted to call to follow up on the email XX/XX/XXXX, XX/XX/XXXX and XXXX. I was placed on hold for 1 hour, 2 hours and 2 minutes and 1 hour and 34 minutes all ended in an automatic disconnect. All of which I retained the screenshots to evidence my attempts to follow up on my account and proof of address, in which, I sent an email with my confidential information in. I attempted to create an online account, but due to the type of freeze on my account I can not create an online account to monitor my account activity or make a payment. It is now XX/XX/XXXX and I have yet to hear from HSBC and my card is still frozen. The card I was approved for was for a vacation trip which I have already taken. I can no longer wait on hold for hours to be disconnected with and need to resolve this issue before my credit is impacted.
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| 03/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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I opened the HSBC Gold Credit Card in early XXXX to do a balance transfer as they were offering 0 % interest with no balance transfer fee if the BT was done within 60 days of the account opening. I was approved for a line of credit for {$8000.00}, and I authorized a balance transfer of the entire {$8000.00} on XX/XX/2021. At that time, I put the account on autopay for the minimum payment. I checked my account on XX/XX/2021, and HSBC charged me {$320.00} fee for the balance transfer. I called HSBC and was transferred several times, and representatives all refused to reverse the fee OR to reverse the balance transfer transaction. HSBC claims the 4 % fee was disclosed to me- which in all of the documents I reviewed no where did it state a 4 % fee. Additionally I completed balance transfer online, so had there been a fee to be charged, the system should NOT of let me balance transfer the entire line of credit, as now I am {$320.00} over my approved line of credit and subject to an over-limit fee.
Finally when I claimed UDAAP and CFPB, they said that I could pay off the entire {$8000.00} and they would submit for a possible waiver of the fee. Supervisor XXXX stated that she can waive the fee only after full $ XXXX was paid. I authorized a check over the phone for the balance transfer amount ( reference # XXXX ). XXXX said she will waive the balance transfer fee and OVL fee after the payment posts. This is not acceptable they were not able to cancel the balance transfer fee or reverse the balance transfer.
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| 04/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Older American |
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HSBC Bank XXXX XXXX, XXXX NY XXXX notified 1st by phone XX/XX/2020 phone XXXX spoke to XXXX Fraud dept..Advised I was the victim of ID Theft, and a fraudulent account for {$6500.00} had been opened in my name.I sent certified mail a packet including : Identity Theft Report, Proof of Identity ( driver 's license ), Credit Report showing outstanding debt & Notice to Furnishers of Information. I requested the account to be closed, ( which I was told was done ), to remove any charges on the unauthorized account, and to take steps to remove information about this account from my credit files. I also told them to send me written confirmation that I am not responsible for charges on this account, and that it be closed immediately. I have NEVER received one call or letter from them to date. I have called them on several occasions only to be told they are working on it. Today XX/XX/2020I spoke to XXXX at XXXX since it has been 90 days! He said account was closed, that the investigation showed I was cleared. I informed him that XX/XX/XXXXstill shows I have a low score & I want them to contact XX/XX/XXXXwith updated information, clearing my bad credit! In addition I want a formal letter stating I am not responsible, so if I have a problem with my credit in the future I have something to show. He tried to get through to a supervisor, but after about 45 min. on hold, all he could do was email the supervisor asking them to call me. At this point I do not feel that I will get satisfaction without your intervention.
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| 05/01/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The company should have closed the account as request in XX/XX/2018 after the {$5700.00} payment. This was because the authorized purchaser on the account, XXXX XXXX, was in a nursing home, her card was missing and because of that I did not want any more charges on the account.
This situation was explained when I closed the other accounts with HSBC as well.
Instead the company allowed charges and let interest accrue then charged late fees and more interest.
I have tried to settle this matter several times with HSBC and each time, they provide misleading information and refuse to acknowledge receiving the notification I detail above. Yet, in XX/XX/2018, they contacted me to tell me of suspicious charges, which I confirmed and again asked why the account was still open.
Currently they are doing this with a debit card on a checking account with XXXX XXXX as a co-owner that I have asked them to shut down several times and they have ignored my request. I have asked them to cancel that debit card, just as I asked them to close this master card account and my requests get ignored and then HSBC refuses to do anything to correct the situation and the now useless CFPB will not do anything so I was advised by the House Government XXXX XXXX XXXX to continue filing until CFPB starts doing its job and banks start complying so I am filing again and hopefully either the CFPB will do its job or the House will make them do their job. Each of these complaints with nonsense responses goes to the House XXXX XXXX.
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| 04/20/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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Good afternoon, HSBC has mishandled my accounts in multiple ways : from telling me to fill out an application to open up a savings account ( after I had already opened up a checking account ) to suspending my mobile and online banking after depositing a government check. I and HSBC tellers have had to wait on hold often times from 20-30 minutes. I called once trying to rectify the concern and had to hang up because I had been going from department to department without resolution and my lunch time was over.
I have had to send in documentation, I have been in front of tellers and provided documentation and there is no way that this bank should be allowed to restrict access to funds for over 2 months after being provided with i.d., social security number and other information.
The concerns were supposed to be rectified from prior complaints ( they were not XXXX & XXXX ). This issue began in the latter part of XXXX/first part of XXXX. I was assured that the matter of being able to access my account/my funds was handled : it is not. I sent an email and called on XX/XX/XXXX. It is XX/XX/XXXX : there has been no response and I do not have access to the money. I did take most of the money out when I visited the bank. However, I want the remainder of my funds.
I called today and had to leave a message like before.
Please assist me in retrieving my funds, closing the account, investigating HSBC practices and holding the employees responsible accountable ( up to and including termination ).
XXXX XXXX
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| 08/19/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Around XX/XX/XXXX, I have opened my first checking account with HSBC bank an "Advance checking account" after I have received an offer in my mail with a personalized code which i have used that advertised the following: "you will receive $XXXX bonus if you open an advance checking account before XXXX XXXX XXXX and deposit to the account a minimum of $XXXX within 30 days of account opening and Hold the funds in the account for 90 days as well as not having a previous account with the bank. then I will receive the $XXXX in about 90 days after i meet all the requirements."I have deposited a check of $XXXX to my new account on XX/XX/XXXX which is one week after opening the account and I have maintained a daily balance of more than $XXXX from XX/XX/XXXX to XX/XX/XXXX and until today I have received no Bonus offer or anything. Initially I have met all the requirements of the offer on XX/XX/XXXX and I was supposed to get the $XXXX on or before XX/XX/XXXX. but it has been more than 8 months after I met all the requirements and still nothing. I have tried to contact HSBC on XX/XX/XXXX. to ask them for the reasons of them not giving me my bonus knowing that they still advertise it until today and I still get HSBC bonus offers to open a new account in my mail; but I was not able to get any explanation from them except from this "We show the requirements to receive the promotion were completed. As thepromotional funds were not placed in your Checking account, we haveopened an investigation into this situation."
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| 10/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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I applied for a credit card from HSBC and was told I has to go through a process through the HSBC Fraud Operations Team, this is what they sent me.
Dear XXXX, Thank you for your application. As we have informed you through the process, federal regulations and internal bank policies require us to obtain specific customer identification information. We want to make sure we gather the proper information so that you can start your HSBC relationship.
during that time I was ask why I file a protection with the credit bureau and was ask when I filed it and why, I explain my purse was stolen and I filed a police report, in the process I had to get a new driver licenses, the company ask me to send a copy of my license and they will contact me in 48 hours of doing so, I never heard from them with in 7 days so I contact them and I was told they could not see the picture so resend it and I did and when I called them back they said the issue date on my license did not seem right. I believe they sent me through all this because of my color or race and then they sent me this letter.
Dear XXXX, Thank you for applying for an HSBC Cash Rewards Mastercard credit card.
Unfortunately, we are unable to approve your application, because we are unable to verify your identity.
Please note, a credit check was not performed.
why sent me through this and no check was done.
I ask to speak to a supervisor and they said no supervisor is around to talk with so I ask who was in charge and I still was sent on a run around.
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| 01/14/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Older American, Servicemember |
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I received a default request in XXXX from XXXX XXXX XXXX, law firm, on behalf of XXXX XXXX XXXX regarding a debt initiated by my ex-wife. We have been divorced for over 26 years. Originally I didn't know what the debt was so I sent them a letter stating I was not aware of the debt. They responded with an assumed Debt Validation Form listing creditor XXXX XXXX XXXX. The address on the so-called form was not where I shared a residence with my ex-wife.
Each year just prior to income tax filing, I receive a Request and Writ for Garnishment of a state income tax refund. I am a XXXX veteran who have not had steady employment for over 26 years thereby have not filed an income tax return. I have sent numerous responses and explanations to this law firm with no positive results. Due to their consistent threats, I filed a grievance with the Attorney Grievance Commission against them.
On XX/XX/XXXX I informed them of my rights and that the statue of limitations for filing judgments in the court system in Michigan is against the law. They responded on XX/XX/XXXX stating " MCL 600.5809 ( 3 ) provides that the statue of limitations for a judgment is ten years. Additionally, this statue allows the judgment to be renewed for an additional ten years upon timely application -- a motion to renew the judgment was filed on XX/XX/XXXX. '' Companies involved are : XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX I have copies of all these transactions. They are suing me for {$2100.00}. Please help.
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| 09/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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This complaint is to request the reimbursement of {$160.00} dollars, fraudulently charged on XX/XX/2018 to my HSBC XXXX XXXX XXXX XXXX Master Card No. XXXX at the VIP lounge located at terminal E in the XXXX airport ( XXXX XXXX XXXX ) Here is what happened ; On XX/XX/2018 I was flying with my son from XXXX to XXXX. While walking through the terminal E at the XXXX airport, I saw the Master Card logo at the VIP lounge, and decided to go and ask if I was eligible to access the lounge for FREE using my HSBC XXXX XXXX XXXX XXXX Master Card. The lady at the front desk asked me for credit card to check if I was eligible to access the lounge for FREE. In less than 10 seconds she confirmed that we were allowed to access for FREE and without providing me any voucher or receipt ticket she welcomed us ( my son and I ) to the lounge. We stayed at the Lounge for less than 15 minutes, since our flight was on time. Please note that my credit card requires an electronic signature ( PIN ) to process any payment, but in this case, I did not signed anything ( either on paper or electronic ) that is why I suspect this is a fraud. In XX/XX/XXXX when I received my Credit Card statement I noticed a {$160.00} charge by XXXX XXXX XXXX even though I was told it was for FREE and without me signing anything ( either on paper or electronic ) ; therefore I please request the {$160.00} dollars reimbursement. Please note that I have requested the reimbursement several times to HSBC Bank, and to XXXX XXXX XXXX without success.
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| 09/10/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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|
Web |
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I have a XXXX credit card account with HSBC Bank USA, N.A. ( Bank ).
During XXXX and XXXX XXXX, the Bank launched a new account servicing website for its personal ( consumer ) banking services. The website permits consumers to access and take action regarding numerous products, including deposit accounts and credit card accounts. As of XXXX XXXX, XXXX, at least, if not for the entire time since it 's launch, the new website effectively buries the option to make or schedule a payment toward a credit card account. It can only be accessed by clicking a small, inconspicuous " View Details '' hyperlink on the account servicing page to launch a legacy website that contains the payment option. See attached screen-capture. This is not obvious in any way. Additionally, the View Details hyperlink will only launch the legacy website IF the consumer 's web browser 's pop-up blocking option is disabled.
I did not sustain any injury as a result of this extremely notable design choice or defect, but only because I was willing to wait over 40 minutes to access advice ( via telephone and " Live Chat '' ) from a customer service representative who explained how I could access the payment option on the legacy website. Other consumers, however, might have sustained injuries by not being able to make or schedule a timely payment toward their credit card accounts. It is inconceivable that the Bank could have launched the new website without including a clear option by which to make or schedule a payment online.
|
| 06/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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My parents were contacted about a supposed legal action against me for a debt. I called the number they were given on XX/XX/XXXX which was XXXX and gave them the reference number of XXXX. I was told I owed a debt from HSBC and was being sued by another collection company. I have no evidence of the debt on either a credit report from XX/XX/XXXX or XXXX of XXXX. The collection company refused to tell me what the debt was for and claimed I was mailed a notice in XXXX of XXXX, which did not happen.
I called on XX/XX/XXXX and asked for more company information and was told that they worked for XXXX who buys debt and uses XXXX to collect. I asked for a license number, which was refused. I was told this was from an HSBC credit card and I do not recall ever having a card from HSBC and have no record of one on my credit reports over the past 2 years. I asked to be forwarded to someone with a license number and was told this could not be done as this was not in litigation, which is not what I was told on XX/XX/XXXX. I asked for a validation notice to be mailed to me to show the debt originator and chain of custody and was told it would be mailed in 30 days. I said this was illegal and it was due in 5 days and was told there was nothing to be done. I asked about when the debt was purchased and was told there was no information.
These people had my SSN, drivers license number and address. Other phone numbers I was given were XXXX & XXXX. I was told not to contact these two companies directly as well.
|
| 02/02/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
Older American, Servicemember |
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i bought a house XX/XX/1981 and my mortgage has changed companies 10 or 12 times and i had nothing to do with any of them. now HFC has sold it again. i need some answers because I 'm through being the cash cow for this mortgage institute in America. I 've written and talked to HUD, the justice department, counselors and attorneys and all i got was smoke. people just do n't care about people. i hope this lead is more profitable.
first, i started with a principal and interest mortgage. i thought i was getting an equity loan from HFC and it turned out to be something else. two or three months later I found out it was something else. they had changed my loan to what i called a credit card loan and would n't give me an amortization schedule.
my first question is this. was that action within the laws of the mortgage laws of the state of Tennessee. please qualify your answer.
my second question is this. is it legal for them to just pass a person 's mortgage around without giving them any paperwork on the transactions or getting any signatures on the transfer. again please qualify your answer.
my last question is this. i can understand when a new company changes an account number but why does the same company continuously change a person 's account number.
I have n't understood the way HFC has handled my account since i got it. i ca n't keep up with it.
last, if this is the right place to get some qualified answers ; thank you. if not, point me to the XXXX of the mortgage industry in Tennessee.
|
| 03/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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I received HSBC letter date XX/XX/XXXX regarding my request to repay my {$3400.00} which they collected. I was under the impression that HSBC legal department reviewed my XXXX loan modification note carefully. Per the loan modification note, all the outstanding fees which incurred due to my property foreclosure and loan modifications were summed as {$620000.00}. The foreclosure processes of my house had started long before the final loan modification was exercised in XXXX, therefore, the related foreclosure fees must have included in my final modified loan amount {$6200.00}. Nowhere within the modification note explained that HSBC could calculate additional/remaining charges of any sorts and billed me at the later time when the loan modification was executed. HSBC attached explanation letter date XX/XX/XXXX was in violation of both own HSBC loan modification note and the lending laws regulating such modifications. HSBC had been trying to collect unknown fees under Outstanding Foreclosure Fees later in XXXX on behalf of its previous processor XXXX long after my final loan modification date in XXXX. Again, the Foreclosure Fees were incurred prior to my final loan modification and must have summed in {$62000.00}. It seems to me that in order to prevent reimbursing my money every single time HSBC has come with a reason to hold this money. I kindly request HSBC to bring this matter to its upper legal management to resolve this issue friendly and reimburse my funds as soon as possible.
Thank you
|
| 10/16/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
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|
Web |
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I opened a saving account 5 year ago in HSBC XXXX and I have a XXXX credit card with them. I have more than 2 year without use my saving account because I supose that I will use my money when I need it.
I have two months that I tried to transfer money to XXXX for XXXX friend before I came XXXX and I ca n't do it. I wrote and call several times to the HSBC XXXX and they request to me to send a letter signed with my XXXX copy in order to activate my saving account, I sent it since XX/XX/XXXX2015 by XXXX courier and was received ( I have the received confirmation ) and till now they do n't solve it. I went to the HSBC branch XXXX in California and they told me that they ca n't do nothing because my account XXXX. That is the big problem, because Nobody in HSBC do something to solve it. HSBC have a secure Internet system called " Contact Center '' which I always use to bring instructions to HSBC regarding security process like unlock my credit card to be used XXXX which I have plan to visit and for increase my daily withdrawal limit in ATM XXXX. All my data is linked to my accounts in HSBC XXXX the XXXX Card Credit and the Saving account ) that why I not understand how I can use my credit card ( I 've already purchased a mobile number here XXXX ) and I be personally in XXXX HSBC branch here XXXX and they have my saving account locked yet. I 've really facing off problem here because I need to have access to my money and make transfers to my credit card for buy food and I can not. Please help me
|
| 02/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I spoke with many people at XXXX, XXXX, XXXX XXXX XXXX, XXXX regarding a wage garnishment issue. Once that was taken care of I was informed of another file they have for me. The file is for a judgement from XXXX. In XXXX, my bank account was frozen and I had it unfrozen because I was living alone raising a child. I was very naive at the time under the impression I would be notified at a later date to resolve the issue with the debtor. Well over the years, 17 years to be exact I had forgotten all about it since I was never contacted. Now in XXXX, I am being informed by XXXX, XXXX, XXXX XXXX XXXX, XXXX I owe over {$14000.00} on this judgement from XXXX and the only way I found out was because I was calling about another issue. The I was asked if the my contact number was still the same and I was provided a number that I have not had the use of since the year XXXX. I want proof that there was an attempt to contact me over the past 17 years. I find it unreal that a company has held onto this debt and has charged me interest daily for all this time but couldn't locate me to try to collect the money. Also, I asked to try to resolve this issue and was told the client will only accept a lump sum amount. There has to be a way to have proof that there has been an attempt to locate me and a reason why I can't try to make this right after 17 years. I know I owe the money, but I feel as if they are just trying to break me after all these years of no contact by demanding a lump sum payment to clear it.
|
| 09/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with convenience check
|
|
Web |
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On Wednesday, XX/XX/18 I opted to utilize two balance transfer checks to take advantage of an intro APR. One check for {$5000.00} deposited to XXXX and one check for {$1200.00} deposited to XXXX. This was within my credit limit including the transfer fee.
On Thursday, XX/XX/18 I received a call from the fraud department to verify the activity at XXXX. I called back at XXXX and was on hold for 55 minutes before speaking to someone who told me that the fraud department is already closed. Not to mention that the voicemail I have said that I can reach them 24 hours a day, 7 days a week.
I tried to call back this morning, Friday, at XX/XX/18 and could not get through. The check I wrote to XXXX has already been returned and will make me incur fees. I called the executive office and the operator is unavailable and the mailbox is full so it doesn't accept voicemails.
I finally went to a branch to prove identity and my Drivers License with current address is not enough, they want a copy of my lease. I am willing to do that but now they said they don't handle placing the funds back into the other banks or handle fees by other banks. I asked the service rep if they can ACH the funds back to XXXX and she had to ask her manager because she did not know what ACH is ... I've been in banking for 20 years. This is completely unacceptable.
I've attached a screenshot of the transcript from the voicemail left on my phone which states that I can reach them 24/7 and also has the time they called me.
|
| 03/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
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HSBC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This is regarding my HSBC credit card account. When I checked my account on HSBCs website, I found online that my two electronic payments of {$100.00} each were returned and a {$25.00} fee charged to my account. My credit union account had plenty of funds to cover the payment. When I contacted my credit union, they confirmed the funds were there and that no payment had been presented to them on XX/XX/XXXX at XXXX XXXX.
On XX/XX/XXXX in the evening, when I contacted HSBC via their chat service, they could not help me and advised that I call customer service. My account was on a security hold and they could not tell me why. I explained that I saw no fraudulent charges to the account and confirmed my identity.
On XX/XX/XXXX at XXXX XXXX, I called customer service at XXXX. Customer Service could not help me and transferred me to HSBCs security division. I was on hold for security for one hour and sixteen minutes. The security advisor, XXXX, could not help me and transferred me to her boss XXXX. XXXX was not at his desk so she advised that he would call me. At XXXX, he returned my call but I was not at my desk so he left a message with a reference number. When I returned his call, I held for over twenty minutes and could not get through. I tried contacting HSBC several times using their chat feature and presenting my reference number but no one could help me. To date, no one from HSBC has contacted me further regarding this matter.
|
| 10/13/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
Older American |
|
CONSUMER FINANACIAL PROTECTION BUREAU.
I am banking with HSBC in the California.XXXX.Brances.
I have a Saving.checking, creditcars, debit card with HSBC.
I can not use my I account properly on internet access the HSBC WEB SITE is BLOCKED for account transaction. My social security account in deposit it where I can not withdrow.My account is blocked by HSBC.
HSBC web site, main address. Us.hsbc.com This web site used to before for transaction..Now I can not access with login pass words etc.HSBC web site blocked for login .Error Code is blow.
Also HSBC is not provided XXXX pc compatible mobil software solution.
LISTED ERRORS.
1-XXXX Cant Find the Server XXXX cant open the page https : //www.services.online-banking.us.hsbc.comXXXX XXXX because XXXX cant find the server www.services.online-banking.us.hsbc.com.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This site cant be reached www.services.online-banking.us.hsbc.coms server IP address could not be found.
XX/XX/XXXX.
I have reported problem to HSBC tech support on chat room technician-IT dept XXXXat XXXX, XX/XX/XXXX : This is the ticket number to reference, XXXX. and XXXX.
I have filed a complaint for HSBC BANK in XX/XX/XXXX and XX/XX/XXXX to Consumer Financial Protection Bureau.
I can not use my bank accounts. HSBC Bank is violating Banking Regulations and consumer protection law continuously.
Sincerely, XXXX XXXX
|
| 07/30/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Beneficial Mortgage is in violation of 12 CFR Part 1024 ( Regulation X ). On XX/XX/XXXX they insufficiently responded to CFPB case number XXXX in the following manner. 1- They have not explained why a wrong address and zip code was used in several documents as described in my original complaint. They did not provide a copy of the alleged tax return document they claim was used as part of the application process. 2- They have not explained how the legal description of the property that is allegedly used as security for the mortgage is not the legal description of XXXX XXXX XXXX XXXX . They reference Tax Map Number XXXX as a means of identifying said property. Tax Map Number XXXX is the same Tax Map Number used for three of my deceased parent 's properties ; all with individual deeds. It is well known a Tax Map Number is not a legal means to identify a specific property. 3- They have not explained why the account number was changed. 4- They state they erroneously provided the wrong persons credit report which was not my deceased mothers, however, they did not provide me a copy of the correct credit report. 5- They still have not explained why they have the wrong birth dates for both my deceased parents listed in the credit reports they provided. 6- They have not explained why they can not provide a copy of the appraisal for the XX/XX/XXXX mortgage they underwrote. Beneficial continues to misrepresent the facts and continues to avoid answering my QWR 's with truth and completeness.
|
| 01/18/2016 |
Yes |
|
|
|
Web |
Servicemember |
|
I had delt with unknown collection for an HSBC card in my name opened in XXXX. I am a military spouse we move a lot and I have never received any correspondence from this company. After sending certified letters to two collections departments claiming they owned the same HSBC account for debt validation in wich I have certified mail recipts and other documentation. The only company who responded was mcm with a letter stating based on my information sent they would remove there collection activity from all XXXX reporting agencies since they where the owner of the account because when contacted HSBC directly they had closed it with no knowledge of my SS or Name. I have since disputed this with expierian who took the account off derogatory accourding to my XXXX rights. Also I have disputed this with XXXX. Based on this I am asking XXXX to stop reporting this account as derogatory. Dept valitation was never given to me in the form of what was asked as my signature on the said credit card and any sort of proof of debt other than just saying it was put under my name and social is not acceptable as anyone can do that with that information. Until I am provided with a complete investigation and documents sent to me with last payment canceled check or proof of any liability this should not be reported as derogatory. I have been asking for this since XXXX and have had many XXXX violations commited and will with all my power give over all my recored documentation to the appropriate channels.
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| 10/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX, I received via email an offer that regards opening a new HSBC checking with the incentives and conditions as indicated below : - Get a {$350.00} Welcome Deposit for eligible new customers who open a new HSBC Advance checking account with qualifying activities.
Limited time only.
Open your new HSBC Advance checking account online by XX/XX/2018 ; and Deposit a minimum Qualifying Balance of {$10000.00} or more in New Money in combined checking and savings accounts within 30 calendar days of account opening ; and Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance.
On XX/XX/XXXX, application for Advance Checking account is approved.
On around XX/XX/XXXX funds on the amount of XXXX are transfered to the new account and the amount of over 10,000 is maintained through XX/XX/2018.
That is, the conditions required by HSBC in order to received the " Welcome Deposit '' were met in fact they are exceeded.
On several ocasions I called and chat with the customer service department, with continues without solving the problem. I am sure they can provide log information.
However, in spite of many phone calls, chat messages and visiting the local branch of HSBC on XX/XX/2018, none of my complaints have worked and NO Welcome Deposit has materialized as promised.
This offer from this bank is either misleading or it is a scam and HSBC should be hold accountable of their actions ( or inactions ).
|
| 11/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
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I have a mortgage with HSBC and have been paying for 12 years. When things got difficult I applied for a modification and they issue a temporary modification. I have been paying my account and kept it current for over six years. I requested from them to offer a permanent modification since the rates were low as the interest I have is 8 % but they refused. I request for a refinance and that was not an option either. In XXXX of 2015 I learned that they have not been reporting to the credit bureau so there is no record of my making payments to them for 12 years. I contacted them in XXXX and requested for them to report so this way my credit score will increase and I will be able to refinance. On XXXX 2015 I started to refinance and once again learned that there is no record of my mortgage with HSBC since they are still not reporting and this makes things more difficult when there is no record. I have once again contacted HSBC and requested for them to offer a permanent modification with a lower interest and I was denied. Instead the send me a letter offering me to do a short sale or Deed-in-Lieu and I am offended by that offer since my account has not been past due for over six years. This practice for any Financial Institution should not be allow. Please advocate so all other customers who are experiencing the same can also be benefit and our credits will improve once they report to the credit bureaus and will give us the option to refinance and qualify for a low interest rate.
|
| 09/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
HSBC Bank failed to properly document this Fraud Claim on XX/XX/22 as indicated by their Call Center Supervisor, in which I am already encountering financial hardships getting to work, eating, and purchasing medication ( in which I need to survive ) saying that it could take up to 10 Business Days. This is extremely unethical and I never received any communication regarding their financial practices, nor to date was I provided a Transaction ID, for my personal records because I do not trust this bank. The call center representatives and supervisors are incompetent. I need my credit expedited expeditiously. To add insult to injury HSBC could not expedite my card, nor have they considered the hardships imposed on my life through no fault of my own. This bank has violated several laws according to the FDIC, by not providing written communication regarding their policies, and will not take the due diligence by issuing the provisional credit, at once, considering the hardships and liability imposed by NOT properly filing this fraud in a timely manner. HSBC Bank was contacted on XX/XX/22 in which the Fraud claim was not submitted, nor did the representatives or supervisor callback ( even though there is a verifiable and updated contact number ). To date I never was issued a confirmation email or any Transaction ID # for my records to follow the status of this claim. This bank is absolutely the worst encounter, and I am calling the local News Media as well as seek my legal options.
|
| 06/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I have an account that is still showing late payment for XX/XX/2021. This is the ONLY late on my entire credit report and it is because of HSBC 's fault, NOT mine. This account was on auto pay where HSBC takes the money out of my account automatically every month to clear the bill. The monthly payments are fixed and HSBC knows exactly how much to take out because they do it every month with no issues HSBC did not take the money in XX/XX/2021 and this prompted me to see what the problem was. HSBC explained they did not take the payment this month and they were performing updates. The updates knocked the payment system offline and the autopay feature did not trigger. HSBC then refunded me the late fee they assessed and told me I have nothing to worry about. Now On my credit, I see this late payment hurting my credit profile. I spoke to an agent from HSBC and they told me it will be reversed. Today, months later, the fee is not reversed and I am still fighting this problem. I just want this error addressed and reversed on my credit. I have 100 % payment on all my accounts except for this one because HSBC made a promise to me and has failed to keep their promises. I have the credit report attached. Notice they have sold the account to XXXXXXXX XXXX and it says " In Dispute '' This means they have received my dispute and deliberately refusing to fix this problem. I need the CFPB to look into this and have this late payment taken off as promised AND my credit restored to perfect.
|
| 02/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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The situation actually started with my XXXX XXXX XXXX MC, whereby I noticed my credit line was reduced from XXXX to {$0.00}. I contacted the call center on XXXX XXXX and the associate told me to contact Fraud on Monday. I called on Monday and Fraud stated they don't handle it. Basically I have had the run around and have called on numerous occasions to find out why my credit card was closed.Nobody could answer my question. They would place me on hold for long periods. I was advised that I would get follow-up calls and only one of the agents actually called me back. Again with no idea as to why my account, which is recently opened was closed. On XX/XX/XXXX, I received two letters from HSBC USA one stated that my credit card was closed ( which I already knew ). and another with my XXXX checking account being closed. There was no specific reason given in the letter. As a result, I called again. The associate and a manager could not tell me the. reason why, I have been on the phone with HSBC USA since I opened my accounts in XXXX ( checking ) and XXXX ( credit card ) for countless hours to verify account information and for them to research my accounts. I haven't had any negative activity on my accounts or reason for my accounts to be closed. I have never had a bank take me through the wringer like this. This has been a nightmare. I feel humiliated that a banking institution would treat a new customer like trash. This is one of the worst customer service experiences I've had.
|
| 04/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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Opened a HSBC advance checking account back in late XX/XX/XXXX with an understanding that there will be a {$350.00} promotion bonus for opening the account and funding it with {$10000.00} within 30 days of account opening. The fine print says customers who held any HSBC account from XX/XX/XXXX to XX/XX/XXXX is not eligible for the promotion. So I called in HSBC prior to account opening and had confirmed with an agent that I didn't have any accounts opened during this period. With this confirmation, I proceed to open the checking account and had met all the requirements, but did not receive the promotion bonus as promised. I called in to HSBC repeatedly starting from XX/XX/XXXX to XXXX XXXX ( about ~5-6 times ), and was given a host of different reasons as to why I did not receive the bonus. Was initially told that I had an account with HSBC during XX/XX/XXXX to XX/XX/XXXX, in which I replied stating that I had confirmed with an agent about this prior to account opening. A ticket was opened for further investigation but they did not follow up with me on the progress. Later I called again and was told that I did not register for the promotion during the sign up, hence was denied of the bonus. Not only are these claims contradicting each other, they're also not valid. As a consumer, I feel HSBC did not keep their end of the promise and also showed lack of support to follow up and resolve this issue. Hence I'm contacting CFPB in hopes to get this resolved in a timely fashion.
|
| 01/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX-my husband and I took out a home equity loan with the then XXXX XXXX XXXX. XX/XX/XXXX-XXXX XXXX XXXX sold the loan to Beneficial, New Jersey ( XXXX XXXX XXXX ) and removed their lien from our deed. XX/XX/XXXX-we took out a new home equity loan with XXXX XXXX. XXXX paid the remaining balance to Beneficial. XX/XX/XXXX-we completed the payment of our loan with XXXX XXXX - XXXX removed their lien on our deed XX/XX/XXXX-I found out that Beneficial is still listed on our deed with a lien. At that point I wrote to the now organization of HSBC-Beneficial XX/XX/XXXX-we received a letter from HSBC informing us that the problem is with XXXX. You will note that the letter I received was not signed by anyone. I went to our local bank to discuss the situation with them and was told that it is not XXXX, it is Beneficial ( HSBC ) that must remove the lien. So I started making phone calls, lots of them. I have faxed paperwork, I have mailed it and made several dozen phone calls to a variety of phone numbers. At one of the numbers I called, unless you know someone who works there a customer can not get beyond the answering system. Others just weren't answered or the system would answer and say " there has been an error '' and hang up. XX/XX/XXXX-I wrote yet another letter to the same address in XXXX XXXX, IL as before, in XX/XX/XXXX. I have not received a response as of today, XX/XX/XXXX. I am enclosing a copy of all the documentation I have for this as well as my letters.
|
| 08/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
XX/XX/XXXX, I had emergency surgery, I was out of work for weeks. My mortgage is with HSBC. I applied for a loan mod and was denied. my interest rate is 9.8 %. I refinanced with HSBC in XX/XX/XXXX and they told me to make my payments on time for a year and then they would refinance me. One year later I called them to refinance and their response was, that in XX/XX/XXXX they closed all of their offices except the main office, and they were not doing any loans. They knew this, when I refinanced with them in XX/XX/XXXX, in other words they told me a bare faced lie! Now i 'm XXXX and am self-employed and I do n't want to lose my home, but am strapped tight. When I had my surgery, I lost a customer and have n't been able to replace them. My payment with HSBC is {$140000.00} a month. I need help and I could afford a lower payment and meet all my other bills and needs. I have called every finance company possible and they all tell me the same thing my debt ratio is too low. My credit score is fair. I feel that something needs to be done about HSBC. It seems like they would n't want me to foreclose and work with me and their other customers, instead of losing money. I checked on HSBC and their are a lot of scams that they have done to many of their customers. I just do n't understand how they can continue to get by with this. I cant apply for the HARP program because my loan is n't owned by XXXX or XXXX. The economy is going up all the time and I need help! Thanks, XXXX XXXX
|
| 02/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I am trying to get intouch with the Beneficial finance company. They sold all their loans in the US. Since we never completed a loan with them we do not have an account number and our SS# are not on any records they have. I sent the following letter to them explaining what problem we needed fixed by them and we sent it certified mail but when we track it there is no information that it was delieveded. Here is what I sent them.We need some one to remove a record at our local XXXX county courthouse in XXXX that says our property is being used as collateral on a loan through XXXX XXXX XXXX. On XX/XX/XXXX we applied for a loan at the local branch office in XXXX, Pa and then a day or so later we went back into the office and cancelled the loan. No checks were ever issued, and it fell within the three-day period we were given to think it over. Recently we applied for a second mortgage through our local Credit Union and they did a property report which showed a loan on it with date of XX/XX/XXXX and it was recorded on XX/XX/XXXX, record book XXXX record page 497 in the amount of XXXX. We need this removed to avoid future problems and we need a letter faxed to our credit union to tell them that we do not owe you for this loan and that the property is free and clear of this debt. Please fax this letter to XXXX XXXX XXXX XXXX XXXX attention XXXX XXXX XXXX. Please act quickly since the loan we are applying for will be on hold till we can prove we don’t owe this money.
|
| 01/31/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
Older American |
|
All this information as been given to the company many times through their online 'bankmail ' and their call in service. On XX/XX/XXXX I went online to my HSBC account and wired {$50000.00} to a dollar denominated investment account I have with my wife on the XXXX XXXX XXXX. On the form it asked do you want to send $ or GBP and I checked . In late XX/XX/XXXX I get the first statement and it has a deposit of $ XXXX.After checking with my broker to find out why it was {$2000.00} short he said they might have done a double FX. I checked with the interim bank and the account holding bank and they both said they received {$47000.00} dollars. On XX/XX/XXXX I sent my first bankmail request for clarification of the wired amount. I was told I would have to contact the 'wire room ' through their call center. As of this date I have made between 6-8 calls some of which lasted 2 hrs plus. I have never been able to speak directly with the 'wire room ' because they do not take outside calls. Some of the operators were rude and unhelpful but there were 2 who tried very hard to get me an answer. The last one did call me back twice, once to let me know she was still trying ( the wire room never got back to her in the 3 weeks between phone calls ) and the 2nd time to say she and her manager were going to give this to an executive entity that would investigate and get back to me. That was the first week of XX/XX/XXXX. It is now the first of XX/XX/XXXX and I have still heard nothing.
|
| 09/05/2015 |
Yes |
|
|
|
Web |
|
|
In XX/XX/XXXX I opened a retail line of credit at XXXX XXXX through HSBC Bank. In XX/XX/XXXX, as a result of obtaining a no-docs predatory loan which, and after being downsized at work, I could no longer afford and could not refinance due to the housing " bubble burst '', I was unable to fulfill my previous financial obligations to HSBC Bank, among others. I voluntarily had my home and car repossessed. In XX/XX/XXXX I moved XXXX for a new job. At no point after XX/XX/XXXX did I have any activity on any of my accounts, which was XXXX years ago last month, yet the derogatory report remains on both my XXXX and XXXX credit reports, longer than the XXXX years allowed by law. This account is too old to be listed and needs to be aged off. I have contacted the credit reporting agencies and they say HSBC has confirmed the debt is still valid and " meets FCRA requirements. '' This is incorrect. HSBC is in violation of The U.S. Fair Credit Reporting Act on this matter in regards to the age of this debt. There exists no evidence of activity on this account after XX/XX/XXXX. If HSBC can not provide this evidence, and I know they can not, they need to correct this with the credit reporting agencies immediately.
Please note that this account has already been found to not meet FCRA requirements by XXXX credit reporting agency. The collection agency which HSBC sold this debt to, XXXX XXXX, has also been found to not meet FCRA requirements by all XXXX credit reporting agencies.
|
| 02/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
In XXXX or XXXX, XXXX, I redeemed XXXX HSBC Reward points for {$51.00} cash to my external bank account. I was unaware that the {$51.00} had to be transferred to an HSBC bank account. HSBC did not transfer the money to my external bank account. By its letter to me of XX/XX/XXXX, HSBC advised me that " We were not able to process the credit because the Checking Account you selected is not the correct account. Therefore, we have returned XXXX points to your Account. '' See 12/28/20 HSBC Letter ATTACHED. However, 30 days after the letter, after 5 phone calls with HSBC and more than 4 hours on the telephone with HSBC, HSBC has not returned any Reward points to my account, so my Reward Points remain at XXXX. I have called HSBC 5 times. I was repeatedly told by HSBC that the matter was being " escalated '' to a Supervisor and someone in Customer Service would call me back the next day. It is now XX/XX/XXXX, more than 30 days from the HSBC letter, and Customer Service did not call me back nor restore the XXXX Reward Points to my account. Today, I again called HSBC because I still have XXXX Reward Points, and was on the phone with HSBC for OVER TWO HOURS, and at the end of the conversation, was told that HSBC would " look into the matter and contact me within 3-5 business days. '' This is not a reasonable response. HSBC affirmatively misrepresented to me that the Rewards Points were restored to my account, and when they were not, there was really no reasonable remedy.
|
| 12/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
I made an agreement with and individual to buy a XXXX XXXXXXXX XXXX XXXX XXXX We were to use a broker/shipping company to do the transaction. I sent {$13000.00} to the account given to me by the company ; XXXX XXXX, from my bank XXXX XXXX XXXX XXXX, to HSBC UK. XXXX XXXX was to arrange for shipping and when I received the car I would inspect it and then notify XXXX XXXX and HSBC that it was in acceptable condition and they could release the funds. The car was supposedly destroyed during shipping and XXXX XXXX said they would tell HSBC to refund the money to me. There were delays from them on the return of the money that they said was caused by multiple things but in the end there was no refund. I was in continuous contact with them and the seller but then after a couple of weeks there was no response. I tried to contact HSBC directly but they would not give me any information about the account and told me to have my bank contact them. I contacted my bank and they worked through XXXX XXXX ( the wire transfer company ) to get the refund back. Today, my bank said XXXX XXXX closed the case because HSBC already released the funds to the recipient ( without my permission ) and there was nothing else they could do. My bank ( XXXX ) says there is nothing more they can do since XXXX XXXX is the transfer company. I have been trying for over XXXX months to get my funds returned. The agent at XXXX XXXX was XXXX XXXX and the seller was XXXX XXXX and the bank was HSBC UK.
|
| 08/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a call form XXXX XXXX regarding a HSBC credit card they allege I had. This is the second company, also based in GA, claiming I had an HSBC card that I defaulted on. The initial call came from a company called XXXX XXXX XXXX. I have never recieved any letters or notices from them. I was called by this company ( XXXX XXXX XXXX ) on XX/XX/XXXX at my place of employment, they left a rbo-call message with my name requesting a call back. I called them back and when I asked for their contact information, the representative hung up the phone. I called back several times and was hung up on. Later in the same day, I called a spoke to another woman who stated that I could pay them now or I could talk to the judge about it. She claimed that I owed {$770.00} and my last payment I made was in XXXX. I do not now, nor have I had in at least 15 yeas, an HSBC credit card. Literally. In AZ, the statute of limitation on credit card debt is 6 years. She emailed a letter to me, it has no information other than what I have stated. The letter claimed to be from " XXXX XXXX XXXX XXXX '' misspelled XXXX. Anyway, today I get a call from a place called XXXX XXXX, also based out of GA. She said that I now owe {$2700.00} and that I could pay or go to court. I asked when my last payment was made, she says XXXX. These people are scammers. I am ill, I have major XXXX XXXXr, XXXX and other mental XXXX that is probably killing me. These people are harrassing me and it needs to stop.
|
| 04/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I received a phone call 6 days ago from ( XXXX ) XXXX in New Jersey, registered to a XXXX XXXX number claiming to be from XXXX XXXX XXXX, XXXX saying I had a debt with HSBC and they were going to take me to court. They mention the debt was from XX/XX/XXXX and I had been making payments until XX/XX/XXXX ( XX/XX/XXXX to XX/XX/XXXX I was in the XXXX and not making payments on anything ). When they tried to get me to pay the debt, I told them they had called me and I didn't know who they were. I also asked for them to send me a certified letter in the mail outlining what this debt was. On Saturday, I received a first class letter in the mail on some generic letterhead outlining the debt. It included an Account Number. Using this account number, I called HSBC Recovery at ( XXXX ) XXXX, Option 2, to get information on this debt. They said it had been sold to XXXX XXXX XXXX. I called XXXX XXXX and they told me they this debt, but had sold it. They weren't sure who they had sold it to, but it would be either XXXX XXXX XXXX : ( XXXX ) XXXX or XXXX XXXX XXXX : XXXX. I called XXXX XXXX XXXX and they had no record of the debt, I tried XXXX XXXX XXXX, but for some reason am unable to call that number.
I looked into XXXX XXXX XXXX, XXXX, They were registered as an LLC in NY in XX/XX/XXXX, the 're website XXXX XXXX XXXX was also registered in XXXX, and will expire in XX/XX/XXXX. Their website is also just a single page with no accreditations or badges, or anything really.
|
| 03/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
In XX/XX/2020, I applied with HSBC Bank for a 0 % APR promotional offer on balance transfers.
On XX/XX/2020 I initiated the balance transfer via a phone call with a representative of {$6000.00} to be send to XXXX XXXX. I was told this transfer would take 7-10 days. By XX/XX/XXXX, I logged into my XXXX XXXX account and the balance transfer from HSBC and still not made it to XXXX XXXX, but on my HSBC statement it say the a balance transfer was made to " XXXX, NY '' on XX/XX/XXXX. " XXXX, NY '' is not the correct location for the XXXX XXXX balance transfer, it is in fact that location of HSBC Bank USA, N.A. I was also imposed a transaction fee of {$240.00} on XX/XX/XXXX with HSBC for the balance transfer that was never completed correctly.
I was never contacted once by HSBC to inform me there was a discrepancy information for the balance transfer to be sent.
I contacted HSBC immediately on Friday, XX/XX/XXXX. I spoke to a representative and they said they would credit back the {$6000.00} to the HSBC account within XXXX days.
It is now XX/XX/XXXX and the {$6000.00} has still not be credited back with two business days to go within the 7-10 day window. And, the is a first payment due to HSBC on the account is on XX/XX/XXXX by which I will be responsible for paying a minimum payment due for a balance transfer that was not handled properly in the first place, with absolutely no communication that there was a discrepancy in the balance transfer information.
|
| 03/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I have opened a checking account with HSBC bank in XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX branch.
The account had a a special promo offer of {$370.00} signed up bonus if one of the following conditions are met : 1. Maintain balance in the new checking account of {$10000.00} for 90 days, or 2. Open account with {$5000.00} with a recurring direct deposit at least once a month.
I have satisfied the 2 condition. Opening an account with {$5000.00} and since then having portion of my salary directed into the account.
Upon numerous walk-in followups on the promo bonus, i was told it would be deposited at a later time, however, when it would not show up in the account, a banker advised it would be communicated to the management.
Over all, i have made about 5 separate trip to the branch where at one occasion the banker admitted it was bank 's common practice not to honor the promo.
On XXXX, XXXX XXXX, I received an email stating the banker had received a response from the corporate office and the bonus does not get posted due to my not satisfying a condition of depositing {$10.00}, XXXX. However, the same banker did acknowledge earlier that we satisfied the second condition. ( I have in my possession a hard copy of the promo, where both of the conditions are mentioned ).
Since then, I have been trying to find other way to prove my right.
I have not closed an account with them yet.
I would appreciate your help on this matter.
Thank you
|
| 05/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XXXX XX/XX/2023, I receive a letter from HSBC informing me that the bank is exercising its right to close my bank account on XXXX XXXX XXXX, with no reasons provided. As I am an international customer, I only received the letter on XXXX XX/XX/2023. I had only 2 weeks to scramble my banking instructions so that there will not be any issues with account debits or credits after the account has been closed.
I immediately prepared a letter on the same day to send back to HSBC 's address in New York. In the letter, I urged the bank to reconsider the account closure, as I am interested in continuing the banking relationship and could not think of any reasons why my account would be closed, and could provide reasons for all of my banking transactions. At the very least, in the letter, I stated that I would like a reason for the account closure.
HSBC acknowledged my complaint in an email on XXXX XX/XX/2023. Unfortunately, they stated " Were unable to re-open your accounts or reconsider our decision. I regret were unable to assist on this matter further. '' I have not been able to get any information from customer service as well.
I'm afraid HSBC has not " opened up a world of opportunity '' for me, and has in fact left me with lots of questions about how the bank manages the account of its clients. I certainly would be worried if the bank could just close any account it wishes to without any reasons provided, leaving customers scrambling for other options.
|
| 01/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
My car rental company processed a refund to my Debit card, however, they sent it it to my original debit card which was closed due to fraud. So the bank issued me new debit card number, but still tied to the same checking account. The refund was processed on XX/XX/2021 under XXXX : XXXX. To this date, my bank, HSBC USA has not found the money and they have not credited my account. The car rental company says they sent the money under that XXXX, and Bank doesn't know how to look for the transaction. They have given me the run around, they are too busy, it's XXXX, it's XXXX, it's XXXX... everyday there is an excuse and I'm tired of it.
Here is the confirmation I have from XXXX Car Rental : From : " XXXX '' XXXX Date XXXX Wednesday, XX/XX/2021 at XXXX XXXX To : XXXX XXXX XXXX : Re : FW : Your XXXX Invoice XXXX from XXXX for I. XXXX Dear XXXX XXXX, Please accept my sincere apology for the delay in response from XXXX and XXXX. I will certainly further address.
I have checked with our accounting team and they have confirmed that the refund was processed to the form of payment on file, Visa ending in XXXX on XX/XX/XXXX in the amount of XXXX XXXX. According to documentation your banking institution accepted the refund. With this being said I kindly ask that you partner with your banking institution and provide them the following confirmation code of your refund : XXXX : XXXX.
Should you have any further questions or concerns feel free to reach back to us.
|
| 03/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Working on HSBC re-fin. Ask us to buy additional XXXX insurance to cover further improvements and betterments that DO NOT even exist.
First, according to XXXX rule, XXXX does not require XXXX insurance when master EOI is covered all. Our master EOI confirmed the developer had the CC & Rs written as such so that the XXXX requirement would be waived by lenders when first selling the units. Master EOI confirmed upgrades, betterments and improvements provided by the developer to the original unit owner are covered by the XXXX per CC & Rs. As I noted below, developer had CC & Rs drafted as such to waive the XXXX requirement of lenders for the first unit owners. Any further upgrades, betterments & improvements that may be done - ie. later by unit owner - are NOT covered. HSBC underwriter asked us to provide the CC & R statement and we did and now HSBC underwriter ignored this CC & R policy.
There is no further improvement and betterments in our property. Hence, there is no reason to buy XXXX policy to insure improvements and betterments that DO NOT even exist. I spoke to the loan processor and HSBC loan processor argues their policy to cover " FUTURE improvements and betterments. '' I believe the XXXX policy is covered the current items not future items or any non-existing items.
Note : HSBC has settlement in Massachusetts with Homeowners - Once a homeowner shows proof he has other insurance coverage on his house, the force-placed insurance should be removed.
|
| 08/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/2022 I was behind on mortgage due to support payments not received. I called HSBC loss mitigation to explain but they went into pre foreclosure on my home. When I was able to make 4 months payment in XXXX XXXX the bank told me to talk with lawyer they referred the case to .The lawyer then said there was no court date scheduled make payments to bank and provided the totals. I'd sent in money to HSBC for XXXX XXXXXXXX.and they returned it saying it was now {$1600.00} in the interim of waiting for check return I sent {$3800.00} by over night mail to make the total but they wanted the lump sum. I only learned about it prior to mailing. I asked for {$3800.00} to be returned or applied to mortgage. Now I call and email but no one says anything about the XXXX XXXXThey keep telling me check back it can take 30days and further delay to make credit to account. I received a statement not applying the payment and new escrow shortage with late fees. All this red tape delay made a mountain of mess that I was trying to save my home from. The company wasn't trying to work in good faith with me and a representative said they applied my money to lawyer fees. I had no written amount of fees and didn't agree that payment was for such. This has caused stress and put my family in jeopardy, This bank hasn't acknowledged or corrected the payment or emails. Its a deceptive practice to not work with consumer but send letters of having " team support '' .from XXXX at XXXX
|
| 11/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Hello, On Wednesday, XX/XX/XXXX I began receiving repeated calls ( at least 4 ) to my personal phone number with an automated message which is as follows ; This message is intended for ****. We've been retained to process and facilitate a civil complaint. Which means you as responded. It is protocol to locate you, either your place of employment or your residence in order for you to be served prior to our client taking legal action. We are attempting to contact you first directly in order to give your statement of descent through mediation. Please contact the mediation department at ( XXXX ) XXXX XXXX. Otherwise, we'll have to list it as a direct receivable. And you'll be notified to appear. This is your official notification.
I returned the call the same day, no answer, no company name, no option to get to different departments.
They called again on Thursday, XX/XX/XXXX and I answered. The caller identified me by First/Last Name and last 4 of my Social Security Number . They recounted an old credit card through HSBC ( no account number ) that they state was closed off in 2016, I do not have a credit card closed in 2016, nor do I have any charged-off, or in-collection credit card debt.
The caller stated that I would be served to appear in XXXX County Court and would provide no information, including account number, or even their full company name, the caller only answered the phone with " XXXX ''. These are the numbers they called from ; XXXX XXXX
|
| 07/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I opened a credit card account with HSBC in XXXX of XXXX. I didn't use the card much but made my first payment online in XXXX, XXXX. I put my credit union account info in their system, made the payment, and everything was fine. I did the same thing in XX/XX/XXXX and they accepted the payment. I did not hear from them concerning any problems. I then made my regular payment in XX/XX/XXXX. They still did not notify me of any problems. My XX/XX/XXXX payment was made on XX/XX/XXXX, and went through again. This month i noticed late fees for XX/XX/XXXX & XX/XX/XXXX even though I paid before the due date.
I called HSBC on XX/XX/XXXX at about XXXX and asked for an explanation. They advised me that the XX/XX/XXXX & XX/XX/XXXX payments did not go through. This was the first I had heard of a problem. They read me the bank account number for my payment and the last digit was a " XXXX '' instead of a " XXXX ''. I had never changed it so they referred me to the fraud department. Based upon my logins, they concluded that there was no fraud and it must have been a " glitch '' at their end. When I was transferred back to customer service, they refused to change my credit report showing I was late on payments. I have never been late on a payment to my other numerous credit card companies, My FICA score was over 800 before they messed it up. I need them to correct their report to the credit bureaus so this can be rectified. I don't feel a call from me will do the trick.
|
| 09/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Good afternoon : On XX/XX/XXXX at XXXX PST and today XX/XX/XXXX at XXXX PST I have received phone calls and voicemails from a number missing one digit - XXXX and a person by the name of XXXX XXXX leaves me messages that he has received legal documents under both my name and social and that any questions need to be directed using the file number XXXX and to call XXXX. I called them back on XX/XX/XXXX XXXX PST and spoke with a XXXX XXXX she said she was is the XXXX XXXX XXXX department, did not provide the name of the company but when asked she said they are from XXXX XXXX XXXX XXXX and that I have a collection account from HSBC/XXXX XXXX credit card number ending XXXX that defaulted on XX/XX/XXXX for the original amount of {$1300.00}. Their client is willing to accept half of the amount owed, {$660.00}, but it must be today XXXX by XXXX Eastern Time or they already have someone in my area to serve me with a civil action suit. Furthermore, if this happens I will then be responsible for not only the original amount owed but for attorney fees, court fees etc., totaling {$3600.00} and they will garnish my wages and place a lien on any assets I might have. I tried XXXX their number and looking up the name of their company, but can not find anything except the word Fraud when i XXXX them. I am listing the numbers and name ( s ) below for them : XXXX XXXX XXXX XXXX XXXX Rep. XXXX XXXX Rep. XXXX XXXX File # XXXX I am hoping you may help me with this matter.
|
| 10/12/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
I secured a line of credit on XX/XX/XXXX, in the total amount of {$26000.00} .On XX/XX/XXXX I filed chapter XXXX bankruptcy and received relief on or about XX/XX/XXXX. I was later relieved of my employment about XX/XX/XXXX. I notified the appropriate parties of my inability to make timely payments ... until I could regain employment. Shortly after that, the creditor stopped billing me for the account. All this occurred around the time of the financial upset of XXXX. Some time later I attempted to contact the creditor and was told by the then parent company that the account could not be located. I put it aside until in XX/XX/XXXX when I then put my house on the market for sale. After a title search, it was discovered that the " deed of trust '', for that loan, was still in place. On XX/XX/XXXX, I then contacted the parent company and was again told that the account could not be located. I then proceeded to request a " release of lien '' and was told that after submitting the requested info, it would take a approximately 30 days for an answer. About XX/XX/XXXX I received another request for more info, of which my attorney either submitted or did not have access to. He then requested a balance due or the release of the lien. There has been no communication since that time. The contract for sale of the property had to be dissolved due to my inability to deliver a clear title and am now unable to put the property on market for sale for that same reason.
|
| 04/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
In the last week of XX/XX/2019 I reported some of the fraudulent activity on my HSBC credit card with a police report. Its been three weeks I haven't received any letter regarding fraudulent activity. they haven't sent me my new card. Haven't given me any kind of credit and in fact sent my card to collections.
I received a call from collections to collect {$50.00}.
My card ends in XXXX which had fraudulent activity on it.
Whenever I call customer care they just transfer me from one department to another, asking me If I am calling from US or not. Verifying me each time by each agent by sending me a text message which I never receive and then saying that my phone is not registered in US. I am totally irritated.
Sometimes the call goes to XXXX other times to XXXX.
When I applied for the credit card I was told that I will not be held responsible for unauthorized charges, so why the bank is not honoring it?
Today was my 10th call regarding this matter. Most of the times when I call their fraud dept is closed. They are just transferring me from one department to another. Disgusting customer service.
And when I am calling from the US phone number why they have to ask me each time that if I am calling from US or not?
Today I received the bill from HSBC where they have changed the credit card number but haven't given me the credit for the fraudulent transactions. and there is no message in online secure center and customer service is rubbish
|
| 08/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I had purchased a ticket from XXXX XXXX in XXXX using HSBC XXXX. Due to Covid-19, it was refunded later by XXXX XXXX and they sent the refund of {$3100.00} to the HSBC XXXX on XXXX XXXX XXXX. At that point my original HSBC credit card used for the purchase had expired so I contacted HSBC and their customer care said that the refund to the expired card would automatically go to the new HSBC XXXX.
I kept waiting for the refund and called both XXXX XXXX and HSBC multiple times since XXXX XXXX kept telling me the refund was sent but I didn't see anything in the HSBC account and HSBC kept telling me they didn't receive anything. After three months XXXX XXXX gave me the acquirer reference number in XX/XX/XXXX and then when I showed it to HSBC, they told me that XXXX XXXX DID send the refund, but it was rejected by HSBC since it was to the old card.
1 ) First, HSBC never informed me about the rejection of the refund in XXXX XXXX and even when I was enquiring multiple times, they didn't tell me about the rejection until XXXX XXXX.
2 ) The HSBC customer care person had confirmed to me that the credit issued to the old card will automatically go to the new card, and therefore gave me wrong information.
I filed a complaint with HSBC, case number : XXXX but they have not resolved it.
I would like to receive my refund and it was due to HSBC 's error as they rejected it and now they are not helping me. I hope CFPB can help me.
Thanks, XXXX cell : XXXX
|
| 07/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX XXXX granted a mortgage to Beneficial Homeowner Service Corporation ( " Beneficial '' ) in the amount of {$23000.00}. Said mortgage was consolidated with a new loan with Beneficial in the amount of {$35000.00} on XX/XX/XXXX to form a single lien of {$58000.00}. Said consolidated mortgage was further consolidated with a mortgage dated XX/XX/XXXX in the amount of {$44000.00} to form a single lien of {$100000.00}. On XX/XX/XXXX, Beneficial caused a satisfaction to be filed in ACRIS, in CRFN XXXX, unfortunately said satisfaction contained the incorrect amount to be satisfied and incorrect mortgage recording information. A request for a corrected satisfaction of mortgage was received by Beneficial on XX/XX/XXXX and signed by a XXXX XXXX ( see attached ). Follow-up calls to Beneficial were met with " we have not received the request '' to " it 's being worked on '', all on the same call. On Monday, XX/XX/XXXX, XXXX in the lien release department informed our office that this matter is being handled by their bankruptcy department. XXXX from the bankruptcy department advised our office that they have not received the request and can not find this particular loan and that there are other loan but they do not list the amount. XXXX XXXX is in the process of selling the property and due to Beneficial 's inability to process a satisfaction of mortgage/lien release, XXXX XXXX is in jeopardy of losing the property in a foreclosure action.
|
| 12/14/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
XXXX. I've kept two online saving accounts in HSBC for over ten years, but recently, I could not log in to internet banking, so those were dormant. On XX/XX/XXXX, I reactivated one, but the other account was already closed by HSBC.
XXXX. I did live chat several times ( From XXXX to XXXX ), and they said it was closed in XXXX by the abandoned property. And I heard the valance was zero during the last three months before the closing.
XXXX. HSBC emailed me about the e-statement until XX/XX/XXXX ( See the attached file ). Even though they have my email address, they did not notify me about the closing. Furthermore, I did not make the valance zero. ( On XX/XX/XXXX, the valence was XXXX dollars ).
XXXX. As agents recommended, I called the abandoned property, one who received the call said they do not have my closed account. That call was made on On XX/XX/XXXX XXXX AM ( in XXXX, That is XX/XX/XXXX XXXX PM in New York ). ( Actually, the abandoned property hardly answered, never called back. ) I called the phone banking team, but they repeated that the account was closed and went to the abandoned property.
XXXX. I left the message to XXXX @ XXXX on XX/XX/XXXX, one agent submitted an official complaint about my case, and he gave the complaint ID. The other agent tried to connect me to the abandoned property through the phone, but they did not respond for over 10 minutes. And the call was terminated. The agent called back and said she would look at it.
|
| 03/31/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
Hi I am having another problem with HSBC bank. My mother went into the hospital in XXXX and now is in XXXX, on XX/XX/XXXX I went to HSBC bank in XXXX NY to have power of attorney for my mother XXXX XXXX account. brought the power of attorney to the bank and delt with XXXX XXXX. I signed the forms and did what he said I had to do and he told me he would let me know when it was done. It is going on 18 days since I went there and I have not heard back. When I try to get in touch with him there is no answer and I can not leave a message because it says mailbox is full. I have tried to call the branch but they do not answer the phone, I repeatedly redialed the phone about 50 times on numerous occasions and got the same results. It is impossible to contact or speak to anyone at that branch. I have gotten through to customer service twice but each time they told me there is nothing they can do on their end. I need to take care of my mothers bills while she is in the hospital that is the reason for the POA .How can I get it done when customer service can not help and I can not get in touch with the branch. This is the third complaint I am filing about HSBC bank for three different problems. This is the worst bank I have ever delt with and want to close out these last accounts and never have to deal with them again. They are also charging XXXX dollars a month service fee on the account and the longer they drag this the more money it will cost my mother.
|
| 10/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I suddenly lost access to my HSBC US account in late XX/XX/. The error message displayed was " User suspended, '' instructing me to contact customer service for assistance. Consequently, I immediately reached out to HSBC US and was informed that my account was under review, with a request to patiently wait. No specific reasons were given, just an instruction to wait. I am well aware that my actions have not violated any rules or regulations, and all the funds in question have a legitimate and transparent source. They are all my own funds.
After approximately a week, I inquired with HSBC US again, and they still did not provide any reasons, citing that it was confidential and asking me to continue waiting. During this time, I repeatedly contacted HSBC US, but I received no clear information or resolution. My account remained inaccessible, and my funds were trapped, leaving me unable to use them.Due to having some funds in HSBC US and an urgent need to make a credit card payment to HSBC US, the account lockdown has rendered me unable to process the payment. This has almost led to a late payment and the potential for a negative impact on my credit score, which is causing me significant distress.
I feel that HSBC US is unfairly discriminating against XXXX customers, locking the account without any justification. It has now been nearly XXXX months, and I have reached the limits of my patience. I am requesting assistance in resolving this issue.
|
| 03/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
i requested a {$2300.00}, 0 % balance transfer from my HSBC account a discover car on XX/XX/2019 which was charged to my account along with a {$92.00} transfer fee which i knew about and was ok with. on XX/XX/2019 i was charged a finance charge which was strange since i made a 0 % transfer balance. I contacted the bank and they credit my account. 3 weeks went by and transfer to my XXXX card had not been made so i called the bank and they told me to wait another week which i thought was a brush off job since it usually takes 4 to 7 days for transfers to go through. Nothing happened after a week so on XX/XX/2019 I filed a dispute online which was never confirmed by email and did not show on the account. I called the bank on XX/XX/2019 and was on eternal hold and someone picked up and said they had to transfer me to another department and there was more hold time. I spoke to someone who read the notes on my account and told me the dispute was in the works and I should received a letter in the mail within 7 to 10 business day and have the {$2300.00} plus the {$92.00} fee credited to my account, which has not happened yet. Yesterday i checked my account and saw that {$35.00} finance charged posted to my account on XX/XX/2019. These people are the worst. I want them to credit everything back to my account and store it to its original 0 balance before the balance transfer. Please stop them from doing business in the US. I shredded their credit car.
|
| 02/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Last year I'm my checking my account with hsbc there was a mobile deposit into my checking account. They froze my account Becuase the check was in my soon to be wife 's name and she depositing into my account by accident and they froze the account the check was little over XXXX XXXX dollars and that been almost a yr ago... i have contacted hsbc multiple times and they treaty me like I'm some kind theft and have explained to them what happen but they don't listen I've sent everything they asked me to for me and her to prove our identity and they refuse to give my accont back the check has been cleared and cashed and they frozen my account .. they should never cashed it because I didn't sign it she signed it again she thought it was her account but the auto login on phones switchedbot and she didn't realize it. I live in XXXX and the bank is in XXXX tomorrow morning me and her are taken a trip to drive to XXXX to go decuss this with back but it like they want keep money that not there's there really stealing from us because they have no grounds to keep this momey..money... So I the account owner and her the owner of the check that was deposited are both going to bank for Tues morning and request her money out my account please help this is n ot right to be treatedbthisnwas please help thabk you for your time and help I look forward to hearing from you soon my ph number is XXXX XXXX XXXX and my email is XXXX my name is XXXX XXXX XXXX thank you
|
| 06/16/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had set up automatic payments with my mortgage specialist XXXX XXXX. A payment was to be taken out on XXXX XXXX, 2016, but had not been taken out. I called Beneficial today, XXXX XXXX, 2016 to question why the payment had not been taken. I was informed by the representative that an attempt was made on XXXX XXXX to draft the money but was returned insufficient funds. I advised the representative that could not be true and requested a conference with my bank. My bank informed the representative that no attempt was made to withdraw the funds and that more than enough funds were available. The bank verified the account number and it was established that Beneficial did have the correct account number. I was told by Beneficial that they would not attempt to draft the funds again, I could not make a payment over the phone, I discovered that I could not make a payment online and that there is not a local branch were I can go in to make a payment. I was told that I could only make payments with a certified bank check. I have been on automatic payments for at least XXXX years, and I have not had a payment returned for insufficient funds. I asked to speak to a supervisor and I spoke to XXXX who said I would have to get a letter from my bank. I am not sure why I would have to get a letter when the representative called my bank and spoke with a bank representative who confirmed that a payment was not returned for insufficient funds on XXXX XXXX, 2016.
|
| 07/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
On XX/XX/XXXX of this year I initiated a balance transfer on a new HSBC credit card that I had acquired. One month later Chase hadn't received any check from HSBC, so I contacted them to resolve the issue. They urged me to wait a couple more weeks, which I did, but when my first payment was due and XXXX still had not received a check I contacted HSBC again to potentially cancel the balance transfer and revise my minimum payment which was due, since I was now carrying a balance of {$1900.00} on both credit cards. I called 4 times and each time I was told I would receive a call back from an HSBC agent within the week. I never did. Finally I approached an HSBC bank manager who claimed to have cancelled the check and had a new check sent out to XXXX. XXXX never received it. It was now the first week of XXXX, over two months since I had originally initiated the balance transfer, and HSBC had now filed a late payment charge on my credit report. I paid the minimum amount due to resolve any further issues and had them cancel the check and the balance transfer. Without my authorization they closed my account, and now both the late fee and the closing of the account have severely affected my credit score. When I inquired how I could dispute the late charge they told me to contact their " customer relations '' line. I left 4 voice messages and never heard anything back. This is by far the worst experience I've ever had with a financial institution.
|
| 11/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I started a refinance application with HSBC on XX/XX/XXXX and was approved a few days later with a rate locked in. Over the next several weeks, I went through the lender 's process and provided documents, worked with them to get an appraisal, and kicked off the refinance process with my home 's management company.
I was informed that everything was complete on my end on XX/XX/XXXX when I delivered the signed, and executed recognition agreements to the law firm representing HSBC. My experience up to this point was disappointing due to poor communication and lack of updates from my mortgage lender, but it continued to get worse and worse after submitting the recognition agreements.
From that point, I stopped getting updates from HSBC and only got one email each week with a document to extend my rate lock which is paid for in points. Since I turned in my recognition agreements on XX/XX/XXXX, I was required to sign 6 rate-lock extensions raising my APR by around 0.5 %.
Today, my mortgage broker finally reached out to me with an update only to request me to pay another questionnaire fee ( {$300.00} ) that I had already paid on XX/XX/XXXX. My only guess is that due to the lender 's slow processing times and negligence, some documents expired and they are pushing the cost on to the borrower.
Overall, I have been extremely disappointed in my experience working with HSBC. I would not recommend them to any friends or prospective borrower.
|
| 07/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX I made an early payment of {$50.00} to be applied to my account over the phone with a representative for the XX/XX/XXXX. My payments are not due until the XXXX of every month. I got a confirmation number of XXXX. Recently I called to question my rewards and found out my payment was rejected!!! I asked why and the representative could not give me an answer! I said it can't be insufficient funds there is money in there! I said why did they give me a confirmation number and ALSO why was I not notified through an email? I spoke to XXXX and XXXX on the XXXX and I was told someone would get back to me and no one has!
I then got fed up and called back again to find out what was going on. XXXX XXXX, another " supervisor '' has to be the rudest, most unprofessional customer service rep I have ever spoken to! She told me it is not their responsibility to let me know my payments are rejected. Well it surely is if I got a confirmation number and since it's not a problem with insufficient funds it's definitely THEIR ERROR which means it's even more of a reason for me to get notified!!! Her attitude is HORRIBLE and I let her know that she is not fit for her job. She did nothing but talk in circles and repeating that someone is investigating this and will get back to me and still no one has called me with an answer! I think this credit card company is shady and wants me to accrue late fees and their customer service is the WORST!!!!!!
|
| 11/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
My wife and I refinanced our mortgage XX/XX/XXXX with HSBC. While at the closing we were informed this was a consolidation, modification? My wife and I were originally under the assumption this was a complete refinance of our mortgage and paying off our line of credit. We started to review our paper work and start to research what should have happened. We were overwhelmed trying to make sense of the laws and regulations for mortgages. We then started to speak with an individual XXXX XXXX XXXX XXXX we met through someone else and he helped to explain this very complicated process a mortgage and promisary note are " suppose '' to go through to be valid. XX/XX/XXXX we ( my wife and I ) decided to sit and speak further XXXX because we were concerned about the future of our mortgage. XXXX sat with us and began to explain what we could do to request the information from HSBC and the laws they ( HSBC ) needed to comply with. Shortly after meeting XXXX he started writing letters to request things to validate our mortgage. We continued to pay our mortgage and requesting information from the Mortgage Company HSBC. They were not compliant in providing the things we asked for. We are looking to file a complaint against HSBCXXXXMortgage Services Center for not complying with the " Fair Debt Collections Practices ( FDCPA ) '', " Real Estate Settlement Procedures Act '', " XXXX XXXX Act and violations of the XXXX Reform and Consumer Protection Act.
|
| 10/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I challenge the adverse account designation of HSBC AUTO FINANCE on the basis that it is inaccurate, incomplete and reflects a debt that is not mine and that payment accommodations were made but not actuated by HSBC. HSBC violated its agreement regarding payment on all matters which are at issue. Payment was available when scheduled but HSBC transferred the account to XXXX, resulting in untimely and inaccurate accounting and taking of payments from my account. This adverse account must be removed from my credit report. Credit reporting is inaccurate and incomplete.
BackgroundDuring these periods I had to change my bank account because I found that an online company had compromised my account by taking funds to which it was not authorized. A new account was obtained only to find that the bank transferred the bad and unauthorized payee to the new account. This caused problems in late payment on XXXX 2009, XXXX 2009 and XXXX 2009. I had called HSBC and was informed that they were transferring the account to XXXX XXXX XXXX and that their computer system had problems in the transfer during the months of XXXX, XXXX and XXXX of 2009.
HSBC indicated that the payment arrangements I had and made to preclude any problems would be acceptable, however, that was not the case or actuality of theiractions. Accommodations were made for timely payment but not fully instituted when HSBC transferred their accounting files to their new partner, XXXX.
|
| 03/31/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I signed up for the {$750.00} bonus offer to open an HSBC premier checking on XX/XX/2019. Shortly after opening my account i got a call from my relationship manager. During that conversation he had asked if i opened the account solely for the bonus and i told him we will see if I like their product but part of the reason was for the bonus. I met the requirement by submitting direct deposits over $ 5k each month in XXXX, XXXX and XXXX. In XX/XX/2019, I contacted HSBC via their online chat to confirm i met all requirements and was told i met them and its just a matter of time to get the bonus. I also contacted the relationship manager who also confirmed i met all requirements and should receive bonus in 8 weeks. In XXXX, I contacted HSBC again about my bonus and this time i was told to send an email to their Compliance team. Their claim was i didn't open the account by clicking on the offer page and i should send any proof i had. Luckily enough i still had my XXXX browser history which showed i started the application from the offer page. The sole reason for opening this account was for the bonus. This is not the fist bank i have signed up for bonuses. I am 100 % sure i started the application from the offer page which was sent as proof. HSBC is declining to pay the bonus. I am not sure what other proof i need to show. I was mislead with every conversation and 6 months later they are declining to pay the {$750.00} bonus. Please help.
|
| 10/19/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
XX/XX/19 I went to HSBC branch located at XXXX XXXX XXXX XXXX. My cash withdrawal was refused even when I presented 1 ) Employer ID, 2 ) Passport Card ID, 3 ) NY Drivers License 4 ) HSBC Debit Card. I was told to call a number. I called the number and the rep couldn't provide a reason why the transaction was declined.
XX/XX/19 - I've tried on several occasions to cancel a recurring bank to bank transfer that was setup. The portal says there is not future transactions scheduled but yet the transfers keep getting setup. There is a process to edit a recurring transfer but the capability to cancel is not available. The portal is broken. My only recourse at this time is to close the checking account to stop the transaction.
XX/XX/19 - I went to HSBC branch located at XXXX XXXX XXXX XXXX. Their system was doing a system update from XXXX - XXXX while I waited online. The rep could not give me an ETA as to the remaining time required for the system update and reboot. Why is a system update going on when HSBC needs to service customers? Why is this not happening during off hours? Why isn't there a procedure in place to service withdrawals when the branch system is down? I had my balance available through my mobile app. I had id. Why couldn't I complete my withdrawal and closure of the account at the time I was there and have HSBC address the update later when the system was up? Their process and procedures have numerous servicing gaps!
|
| 09/19/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
I have banked with HSBC since 1989. Over the years they have sent me " convenience checks '' for my credit card with marketing blurb about them being as convenient as cash etc. I used one for the first time XX/XX/XXXX for {$1800.00}. I did n't read the small print about having to pay the amount off in 10 days so suddenly got charges. That is fair enough. My mistake.
Since then though, I have more than paid off that amount and have made other purchase but I am still getting charges. I called and managed to get them to admit that they pay off all other charges first. In other words, they have put that check to the bottom of the pile and put my payments toward the balance I had on the card before writing the check AND purchases made on the card since writing the check. I do n't think that is fair.
If I borrow {$5.00} from a friend one week and then {$5.00} from a different friend the week after, I think it is fair and reasonable to pay of the older debt first.
Also they have raised the percentage rate across the board. As well as paying a higher percentage ( 25 % ) on the {$1800.00} for using their " Convenience check '', my rate for my previous balance has jumped from 13 % to 25 % and all subsequent charges are also at 25 %. This seems like a double whammy.
I feel like I would have been better off going to a payday loan and keeping that cash advance as a separate transaction and I am being penalized for being a loyal customer.
|
| 07/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My Modification Agreement was completed XX/XX/XXXX, over one year ago, but the lis pendens against my house was never removed. When I called HSBC Bank about lifting the lis pendens they told me that they have no information in their computers because they sold it to XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX representative XXXX, a very pleasant and respectful individual. XXXX confirmed that the modification agreement was complete in XXXX of XXXX, and that all payments have been received in accordance with the modification to date. I informed XXXX that according to the New York Department of Financial Services ( DFS ), the lis pendens must be lifted within 90 days of finalizing a modification settlement, which is now more than a year overdue, and that I want the lis pendens lifted immediately. XXXX said that he, and his Supervisor would take care of it. I followed up with a letter to XXXX ( copy attached ), dated XX/XX/XXXX, and they sent me a response dated XX/XX/XXXX that even though the foreclosure part of my Court case is over, HSBC will not remove the lis pendens against my home unless I drop my countersuit. I have attached the two letters, and DFS press release information. I do not think the DFS intended for lis pendens to be used as blackmail against homeowners by putting a public lien on their home for all the world to see. I need the lis pendens release according to DFS consumer rights press release.
|
| 09/09/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
Dear Officer-in-charge, I am involved in an investment/romance scam. The criminal groomed me to invest in an investment scam, thats when I borrowed XXXX {$300000.00} from the various banks, friends, and insurance companies to invest in this investment scam, it was after I invested in it, I find out it was totally fake. ( Basically, he proved a link to a clone app, which I clicked on ) I thought it was a genuine app, but after investing XXXX {$300000.00}, I later find out this app was cloned to impersonate the real app, as I couldnt log in to see my investment. Ive already lodged a XXXX police report and reported this scam, Report No : XXXX and have advised me that my bank should help me regarding this unfortunate matter. Looking forward to hearing from you.
1. Grooming started on XX/XX/XXXX via XXXX 2. Asked me to buy Bitcoins from the local cryptos via http : XXXX ( scammer made their own fake trade app ) 3. Then ask me to install this app on my smartphone so that I can trade Bitcoins, ( this app was given to me via a link, http : XXXX this was a cloned version of the XXXX trading station app. It was after Ill install the app and try to log in, nothing of my investment was there.
The following details below are all the transactions involved in the scam : HSBCBank ( XXXX ) XXXX.
Address. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX.
SWIFT Code, XXXX.
Beneficiary account number : HSBC ( PERSONAL ) XXXX Beneficiary Name : XXXX XXXX XXXX
|
| 09/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Greetings, I am filing a complaint in regards to a faulty personal checking account suspension by HSBC, USA.
On Friday, XX/XX/XXXX, my personal checking account was wrongfully suspended by HSBC for suspicious activity, preventing me from accessing funds or viewing my bank statements. As of Friday, XX/XX/XXXX, I have been unable access my personal funds or contact any member of HSBC 's account security department about unfreezing my account.
I have reached out to HSBC 's costumer service multiple times over the phone ( often waiting on hold for multiple hours ), e-mail, and social media, but they have all been ineffective in putting me in contact with the correct department to resolve my issue. In all of my correspondence with HSBC costumer service, the bank has been hesitant to respond in writing via e-mail, Instead, opting to call over the phone, while offering no solution.
I have likely identified what was the cause of the " suspicion '' -- a mobile check deposit that I have confirmed has cleared both banks -- but I am still unable to resolve my issue.
This account freeze has forced me to move funds from investments to another checking account and may effect reimbursement for government travel.
I have attached my e-mail correspondence with HSBC and will be happy to provide more details.
My issue is very similar to the one described in the article linked below.
https : XXXX? XXXX & XXXX & XXXX Thank you!
XXXX XXXX
|
| 05/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Spoke with a male representative from the XXXX XXXX XXXX XXXX XXXXXXXX about my funds of {$22000.00} turning into - {$22000.00} I was not notified about this at anytime. I went onto my HSBC app & realized that my account had become negative without anyone reaching out to me, explaining why or where are my funds. The representatives response was that I opened this account in XXXX & the HSBC Premier account that I entered into requires an average balance amount of {$75000.00} that this account was unable to maintain this average balance. And for this reason the account has closed. Im unable to get access to my money that was in the account. Its been XXXX months since the customer service representatives have continuously stated to me that I need to wait for this account that is still pending closure to close. Then I will be mailed a check, No time or date available for XXXX months just keep stating that I need to wait that the representative is making a note that I need my funds. Closure is pending, not able to speak with a supervisor at my request! Unexplainable? Also have proof of the account that I entered into agreement with, stating that the account Needs to maintain an average balance of {$10000.00} for XXXX consecutive months to receive a {$500.00}. Welcome deposit for new customers. After I called about the {$500.00}. Bonus, This bank has continued to find a problem with the account. Unfair and not releasing my funds to me.
|
| 01/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I received two threatening telephone calls today from XXXX ( " XXXX XXXX XXXX XXXX '' out of Michigan ) regarding a credit card bill, which was charged off over 7 years ago. They acquired ( purchased the file ) onXX/XX/2018. They said they were going to serve me papers between the hours of XXXX and XXXX regarding a lawsuit filed against me. When I contacted them with questions, I was hung up on several times, told to " pay your bills '' and " XXXX '' twice. I was also called a " XXXX XXXX ''. When I told them not to call me at work, they said they had no choice but to serve me. When I asked what my address was they began giving me several, all of which they obtained by doing a XXXX search. The representative confirmed this and told me that if " you are going to mention the company, get the name right '' ( I said XXXX because of nerves ). She then hung up on me. Representatives from Law Firms that specialize in collections leave false information and threats ( I've had this happen previously many years ago when I lost my job ) and contact any person with the same last name, always leaving the same messages for family members regarding the person they are trying to collect from. Their behavior is unethical, unprofessional, and completely disrespectful. Additionally, they threaten and give unlawful information. This company, in particular, needs to be fined and shut down. Their communication practices are unacceptable and unlawful.
|
| 12/02/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XXXX XXXX, 2015 PHH Mortgage was faxed Notice of representation for XXXX XXXX XXXX requesting all correspondence be directed to our office as their legal counsel. On XXXX XXXX, 2015 a financial package was submitted to PHH Mortgage. PHH Mortgage did not send a confirmation of receipt of the financial package as required due to it being submitted 37 days prior to a sale date. A missing documents letter was not issued or sent to our office until XXXX XXXX via email from the banks attorney. PHH Mortgage has prevented the client from being reviewed for a loan modification by placing the file in a litigation status which prevents the client from communicating directly with PHH Mortgage. Our office has repeatedly requested updates from opposing counsel XXXX, XXXX and XXXX, XXXX. to no avail. After repeated request I was emailed a denial dated XXXX/XXXX/2015 on XXXX XXXX, 2015 almost 2 months after the denial. This also prevented the client from filing any appeal for the denial as it was provided well after the allowable dispute period. PHH Mortgage has not reviewed the file for a loan modification, has not provided a proper missing documents letter, did not provide the denial letter in a timely manner and has proceeded to schedule a sale date. Sale date must be postponed while the client is reviewed for a loan modification since PHH Mortgage has prevented the client from being reviewed for a loan modification since XXXX XXXX 2015.
|
| 11/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We have had a mortgage with HSBC for 30 years. In XXXX HSBC transferred our loan to their HFC/Beneficial division where we have been till now. We were given a three month deferment/forbearance some time ago after I spoke with them about my husbands XXXX and our financial situation and resulting late payments. This took the end of our loan to XXXX XXXX. They denied us a modification. Now we were just notified that the deferment has been taken away and the original loan maturity date reinstated being XXXX XXXX. Our payments are/were current as of XXXX XXXX. Now they want the amount of {$4200.00} as final payment which is shocking as well as incorrect. It does not reflect XXXX payment they received and accepted. Also if all payments are current with no past due amount, then where is the amount in principal of {$2400.00} from? there should only be the three months worth of forbearance payments they decided to renege on which is {$460.00} x XXXX. I called and got a run around, hung up on and no answers. After 30 years of struggling and finally near the end and owning our home they are pulling this. Its not the fact that we do not want to make final payment on our home so we can finally retire but the fact that again HSBC is playing games, changing dates and padding amounts due that is unethical. Now we have to scramble to try and find the money before they again try to take our home!! Which they will definitely do with out payment.
|
| 02/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
To start, ( A ) signing in is made difficult by the company rushing the security code process. Once signed in, ( B ) the website no longer allows me to pay. Recently the automated pay by phone has been made difficult by 1 ) rushing the security code process 2 ) removing stored bank information. 3 ) Rushing the confirmation number which is twice as long as any other card and not giving the chance to listen again to confirm the number is right. This lead to ( C ) excessive wait times to talk directly to a representative who after 1 ) rep took payment failing to give confirmation number. 2 ) rep did not send my payment. 3 ) non payment lead to a late fee with interest. 4 ) lack of taking payment also lead to a lowering of my credit limit which put me instantly over the limit. All this HSBC sent to the credit bureaus that smears and lowers my XXXX score which in turn they use as a weapon to extract more money from me. Also HSBC credit card customer service is a fraudulently put me on wait for 2 hours holding for the Disputes Dept then cut me off. Another time after hours of wait, another HSBC rep transfered me out to a medical insurance provider. Another time I was told that the disputes dept. is not contactable, only to have disputes contact me 3 weeks later as if to start a dispute I spent days already talking about. My balance remains uncertain, blame and costs have been shifted to me unjustly under the cover of valid reasons
|
| 11/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Beginning in XXXX of 2019 I have attempted to contact HSBC about the {$350.00} welcome offer they advertised when I opened my account with them on XX/XX/2019. Since then I have been told to call back anywhere from 24 hours to 2 weeks to get response. I have been told I will be called back. Since XXXX, I have not received one call back from HSBC regarding my query. I've been told that I was not eligible due to not applying through the landing page, I provided screenshots of the offer, the terms and my application ID. They have confirmed that I met the terms of the offer, however they have not credited my account with the {$350.00}.
Most recently, I was told back in XXXX that some back office team told them that my application ID was tied to another customer and they were trying to figure out why and that the {$350.00} needed to be approved by a manager and would be paid in another 6-8 weeks. It's now been well past that timeframe and I just called on XX/XX/XXXX for an update and I am being given the same runaround answer that their query management system team needs to look into it. After pressing them more, I am told they are re-opening my case which should take another 4 weeks to be paid. I have been eligible for this bonus since XX/XX/2019 and it should have been paid 6-8 weeks after that date. I have called HSBC at least a dozen times in this time and have received nothing but broken promises that this would be resolved.
|
| 03/01/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
HSBC changed their website to pay bills online about three to four months ago. The website is literally awful, impossible to navigate that I will now have to find time to close my online bill payment account which I have had for over twenty years. I have many automatic bill payment accounts, therefore closing my HSBC account will be time consuming. have two HSBC credit cards, a checking account and a savings account. In order to have free checking, I have to maintain a minimum of {$10000.00} in my savings account which is unacceptable.
But getting back to bill payment. I tried to make a payment on my HSBC credit card, but I inadvertently made a cash advance instead. I called HSBC five minutes later and they refused to cancel the cash advance which carries a fee. They promised me it would be straightened out in 4-5 business days which is unacceptable. Also with the new online banking I can no longer see what my minimum payment due on my HSBC credit card account is. This is unheard of. A representative from HSBC told me I have to access my estatments.
In summary HSBC can not change their website to what it used to be. I have a college degree in XXXX XXXX ; would be happy to send my college transcript, but this website is geared to consumers to miss payments and enrich HSBC. Case in point, when one wants to pay a bill, there is no pay bill to click on, one must click on " transfer money ''. How is one supposed to know this.
|
| 04/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
ON XXXX I opened a credit card with HSBC Bank USA. I used the credit card for a few months always paying on time. The account was an online account so no statements were mailed to me. I never heard anything else until a collection notice from XXXX was mailed on XX/XX/2020 requesting {$7600.00}. I have made several attempts to correct this with HSBC. Overal, I have place at least 10+ calls and spent over 10 hours with HSBC on the phone. So far, I have not received any statements or any proof of the transaction. What I have learned is that the account was compromised, including the address, email, and driver license info all changed from my original application. Which makes it very hard for them to verify me to even discuss the issue. Even as of today, they will not send me a statement or any proof of the transaction because my real address does not match the one they have on file. Therefore, I did not receive any updates of the transaction for over a year. Only collection notices. I have spoken to the fraud department, collections, and left messages with their US help line, without getting a returned call. The charge is fraud and they have not provided proof that I made the charge. The claim that too much time has elapsed for me to contest the charge. This is impacting my credit score and I am trying to refinance my mortgage currently. I have also subhmitted a police report to my local police department regarding the fraud.
|
| 01/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
HSBC charged an illegitimate late fee to my credit card account. Although I did NOT opt in to paperless statements, HSBC stopped mailing me paper statements. I had not used this card in a while. A merchant made a charge to this card because I had it stored in my account with that merchant. To date, HSBC has not sent me a statement reflecting the charge. I discovered the charge when I looked for it on a different credit card that I thought I had given the merchant. When I could not find the charge on the correct card, I called the merchant and learned my HSBC card had been charged. I don't even have the card in my possession anymore. So I looked all over for my HSBC online log-in details, and even had to log in to an old computer to find it. Once logged-in, I found not only the charge to my HSBC credit card, but also a late fee. I have no printer, and need a paper copy of the bill for my records. I contacted HSBC to ensure I would receive all future billing statements by mail, and asked HSBC to mail me a copy of the one I still did not have. HSBC threatened to charge me {$5.00} for every mailed statement. I refused to pay for what I should already be receiving. I paid the merchant 's charge, which brought my legitimate account balance to zero. Now HSBC is harassing me with at least 10 collection calls per day for the illegitimate late fee, which HSBC deliberately set me up to incur by refusing to mail me billing statements.
|
| 02/11/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
On or around XX/XX/XXXX, I open a checking account at HSBC Bank USA, XXXX. I opened this account online because there is not a HSBC local branch in the area where I live. I am writing CFPB because HSBC did not follow through with the offer they promised. HSBC promised to deposit a promotional bonus of {$350.00} into my account once certain conditions were met. There were XXXX options ; I chose to make 2 bill payments for three consecutive months to qualify for the offer.
Twice in XX/XX/XXXX, I called HSBC to find out when I would receive the promotion. XXXX supervisors on two different occasions told me that I had met the conditions of the promotional and the funds would go into my account by XX/XX/XXXX. When XX/XX/XXXX past, the funds were not in my account, I called HSBC to find out why. I was told that since I had a credit card with them, I did not qualify for the promotion. HSBC never mentioned anything in the promotional material about having a credit card with them to qualify for the promotional bonus. They indicated that one could not have had a checking account with them within the past year ( they tried to use this excuse at first to deny my bonus ). I told HSBC employee that this was not true. HSBC never would have opened my account if I had an account with them within the past year.
I am requesting that CFPB look into this matter. HSBC has reneged on its promise. This is an unethical act on the behalf of HSBC.
|
| 04/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONCOMPLAINT : XXXX : XXXX XXXX XXXX XXXX New Jersey XXXXDear Consumer Financial Protection Bureau:XXXX I did not sign the application, and this is very clear from the paperwork HSBC has provided. The original application does not have my signature, and whoever singed XXXX is forgery which is illegal.
XXXX. Again, I diligently sought legal representation and MOST IMPORTANT, I rescinded the deal within 3 day window.
XXXX. I never received the truth in lending disclosure.
I have invested and spent FAR TOO MUCH TIME AND MONEY INTO THIS ENCUMBRANCE and it is not My burden to bear any longer. This house located at XXXX XXXX XXXX XXXX, NJ XXXX has been paid for XXXX. This house is a SURE EXAMPLE OF PREDATORY LENDING. The property has been under contract XXXX times since 2014, and XXXX home loans refuses to LET GO. There is no way this property appraised for {$200000.00}.
Again, GET THIS PROPERTY OUT OF MY NAME. RIGHT Now, there is a contract for a short sale and XXXX loans is holding the deal up. Enough is enough, either convince XXXX home loans to proceed with short sale ( including no deficiency judgments, {$5000.00} relocation fee for Me, XXXX XXXX XXXX, and total debt cancellation ), or MAKE THEM. Realtor is XXXX ( XXXX ) real estate XXXX XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX, fax : XXXX, email : XXXXXXXXXXXX ).
XXXX and XXXX, XXXX XXXX XXXX
|
| 10/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I tried opening a checking account with HSBC on XXXX XXXX 2016. Followed all the instructions and initiated opening balance of {$1500.00} to be deposited into that against my application id. Payment also went thru. After that i just keep on getting emails from HSBC - somebody sitting in XXXX asking me to send the driver 's license, utility bills etc ... all done within the next 3 days. So around XXXX XXXX 2016 - all the formalities were done. I just have my application id and nothing else from them. HSBC expect the customers to know about their secure messaging system to communicate with them which is quite a task also.
Now after the wait of more than 2 weeks ( when i did n't got any email or communication in terms of what happened to my account and the deposit ) -i called them up. They asked me to call to their call customer in some peculiar time zone ... i called ... they were totally clueless why my account is not created and what all is needed from their side. In spite of providing all the documents in time and doing all sort of follow up - i have no idea where i am in this account opening process? What happened to my deposit also? Moreover i opened this account with the promotion code ... i need to have direct deposits within 120 days ... if this is the pace HSBC work - then definitely i will miss my promotion also ... .most importantly why they are troubling the customer so much in terms of account opening process?
|
| 05/22/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
! ) forced placed insuranceBecause of forced placed insurance at a premium that is way above the market, followed by high demands of escrow account payments and suddenly substantially increased monthly payments, it was not feasible to make the excessive monthly payments.
All payments have been made on time until HSBC started a forced placed insurance.
2 ) check fraud $ XXXXHSBC wrote a check without my knowledge and without my agreement and debited my account. The amount was recovered, but it is still fraud by HSBC3 ) HSBC Loan No. XXXX wrong status / wrong interest rateThis loan has been documented by HSBC as a XXXX loan, but that is the wrong status because it is the XXXX and only loan on property address XXXX XXXX XXXX, XXXX, FL XXXX.
As a consequence the interest rate is way too high at 9.375 % I have reported this error since a long time and several times but it never got corrected.
The interest should be the same as on Loan No. XXXX which is 2.875 % 4 ) credit report disputeHSBC Loan No. XXXX and Mortgage Service Center Loan No. XXXX reported over 10 consecutive months ( from XX/XX/XXXX to XX/XX/XXXX ) the same mortgage but under XXXX different loan numbers to the credit bureaus.
This caused that my credit score dropped significantly and damaged my credit history substantially.
The false information has been corrected.
HSBC and Mortgage Service Center are responsible for the damage ( loss in credit score ).
|
| 05/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I am a XXXX XXXX, with a vacation home in the USA. I have had a checking and savings account with HSBC USA for about 5 yearsAbout 6 weeks ago, the HSBC USA regulatory team contacted me by e mail, for additional information. Specifically, they needed my Social Security number, and details of my XXXX.As I was in XXXX at the time, I was asked to present these to a local branch in XXXX to have these 'verified '. On XXXX the XXXX XXXX, I brought these items into the XXXX branch in XXXX, with details of where to send the verified copies. I was assured this would be done.
Long story short, HSBC USA never received anything, and without any prior warning, I discovered yesterday that they have cancelled my accounts with them, and have advised that a check will be mailed to me in 7-10 working days. I have now opened another account with another provider, but until I receive, and cash the check from HSBC ( approximately {$22000.00} ), I have no means of adding funds to my new account.
This has left me without any means of getting and cash, and without a local credit card. Furthermore, I have a number of direct debits set up, which will no longer be honored. It is likely my credit rating may be negatively impacted if or when a direct debit request is declined by HSBC USA.
I am extremely unhappy I was not contacted to be told there was information missing, or given a chance to rectify the problem now I am here in the USA.
XXXX XXXX
|
| 05/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I have received XXXX phone calls from a XXXX XXXX XXXX at XXXX XXXX. In my XXXX dealing with XXXX XXXX he claimed that I had a debt on an XXXX credit card in the amount of {$3000.00}. I informed him that I had just pulled my credit days prior to his phone call for a mortgage and that credit card shows a zero balance and has been cancelled. He told me that the debt is mine and must be paid. I asked him what his address was so that I could send a verification of debt letter. He refused to give me his address claiming I could be some sort of " whacko '' and " how did he know I was n't going to send him some sort of threatening mail. '' I assured him that all I wanted was his address. He refused. That 's when he told me he would sue me and file a lawsuit in the state of XXXX. He 's in XXXX. I then said if you ca n't supply me your address, I ca n't work with you. He called back yesterday claiming my drivers license would be suspended and that my wages would be garnished. I again asked for his address.. he again refused to give it to me. He then called back and left a voice mail stating he would settle the debt for {$2000.00}. He again threatened a law suit in the voice mail. Then on XXXX XXXX at XXXX XXXX XXXX XXXX called again threatening to file a lawsuit on Monday if I did not pay him his money. He then informed me that my fees would go up in excess of $ XXXX. XXXX XXXX is not giving me an opportunity to validate my debt.
|
| 06/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Older American |
|
In XX/XX/XXXX I noticed a Balance Transfer on HSBC Credit card that I had not authorized. The Balance Transfer was {$5000.00} plus a fee of {$200.00} to XXXX XXXX XXXX in XXXX. Since XX/XX/XXXX I have contacted or attempted contact with HSBC multiple times per month. I have explained to them the Balance Transfer is a Fraudulent transaction. I did not authorize it. I did not notice the transaction initially because I was making monthly payments and paid off the original amount.
I not only contacted HSBC, I have also contact the XXXX in XXXX XXXX, New York. The XXXX is keeping the complaint open even though they have contacted HSBC and were unable to resolve the issue.
XXXX, XXXX, and XX/XX/XXXX, I have tried to contact HSBC via telephone and email. My telephone calls are automated answered, once the calls are transferred, my calls are consistently disconnected. Attempting contact online is no better. I enter my Credit Card number and am immediately kicked off the website.
XX/XX/XXXX I did receive an email from HSBC XXXX. This was after they had been contacted by XXXX. The email stated " I appreciate your patience while I continue to investigate your concern. I'm sorry that this has taken longer than expected and am working to resolve this matter as soon as possible. '' Signed XXXX XXXX, Manager Customer Relations.
There has been no additional contact due to telephone calls and online attempts being disconnected.
|
| 02/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
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On or about XXXX XX/XX/2020, I filed a CFPB complaint # XXXX against HSBC Bank : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I was trying to open " No borders checking account '' at HSBC online with a promotion. I got a lot of tough time. Twice my application was rejected. I reached out to the customer service via chat - got different reasons every time ( essentially which means nobody knows the truth or telling the truth ). Each chat was for 45 minutes each. Finally i was asked to give a call to the online account opening team at XXXX. I called them at around XXXX XXXX and talked to XXXX. She also trying to transfer me to somebody else - phone banking. Nobody at HSBC knows what they are talking about and simply not helping the customer. This bank should be asked to close out it's operation and go out of USA. It is not allowing US citizens to open the account. Application declined Application ID : XXXX Application declined Application ID : XXXX In the past - this online application was stating that i am not eligible for this offer. Both the chat persons confirmed this. Some or the other way HSBC causes issues for the customers.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - HSBC blamed XXXX XXXX XXXX for this issue. I created another CFPB complaint against XXXX ( # XXXX ). XXXX responded that they couldn't find any such things what HSBC is talking about.
On what basis HSBC stated all that - was it some cover up?
|
| 10/11/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
I have an account that is showing in collection status for a former debt owed to HSBC XXXX XXXX, XXXX. which was sold to the law office of XXXX XXXX XXXX and XXXX, XXXX.
I will attach letter below showing proof that the debt showing in collection now for this same lender bill that is already " settled '' with previous law firm in 2010. There has been no other collections contact for me from this original lender HSBC.
I dont owe the bill twice and ask that the HSBC showing as collections from another law firm for HSBC be deleted as a duplicate. Apparantly this debt was sold again in error and showing it not paid by another law firm trying to collect this same debt. The current collections company needs to go bac to XXXX XXXX law firm and work there problem out but I wont pay twice. There is no court order for payment so it is showing in collections in error.
I wont pay it twice and ask that the current collections company be notified and that this debt not owned be deleted by all three credit bureaus for the lender for the account showing under collections who is trying to collect an already paid debt.
.Other than a date opened ( which may be incorrect ). There is no past due indicated, no past due history, no specific account this HSBC bank was pursuing. Vague details and do not follow guidelines of complete information required to report to credit report bureaus under state and federal credit laws as required.
|
| 02/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
Older American |
|
I received a statement from HSBC having period XX/XX/XXXX to XX/XX/XXXX. This is the only statement I received since I opened an account on XX/XX/XXXX.
I called on XX/XX/XXXX and spoke with XXXX XXXX XXXX ( the name may not be correct ). I asked to reimburse $ 50 monthly fee for the entire time ( more than 2 years ). He said that since the account was closed, nothing he could do other than reaching out to his supervisor. He gave me a reference number of XXXX. He told me he would send an email to his supervisor and copy me.
On XX/XX/XXXX I called and talked to XXXX? since I haven't heard anything since XX/XX/XXXX. She offered to text XXXX to ask him to call me about my maintenance fee refund.
I called again on XX/XX/XXXX and spoke to XXXX and was told that nothing she or HSBC can do since the account is closed. None of the 3 agents would reopen my account to facilitate my request. I asked XXXX to give me a phone number to complain. She said that I would need to find the help on my own.
I didn't know that HSBC charged me a high monthly maintenance because HSBC never send monthly statement. I never used the checking service other than having direct deposit. I think it's reasonable to have HSBC to reach out to me that my account has been charged $ XXXX because my account balance is not high enough to have the fee waved. I leaned on XX/XX/XXXX that {$75000.00} is the minimum balance to have maintenance fee waived.
|
| 10/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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This company has been attempting to collect on an old debt ( s ). They have asked for me by my marries name which I changed back to my maiden name in XXXX. They have been periodically contacting me for the past 3-4 years.
When they state who the original creditor is, I indicate that this is an extremely old debt ( s ), I do not owe this debt given the age of the debt ( 10-15 years ), and to please cease telephone contact. The agent ( s ) then begin arguing with me stating that I owe the debt and I need to pay, Im having my wages garnished, you and your XXXX credit score, start paying your XXXXXX/XX/XXXXXX/XX/XXXX, etc. They also state theyre going to keep calling me even though I request them to stop and put any correspondence in writing.
They claim I owe a debt to HSBC. I do not. A personal loan to XXXX was taken to court in XXXX and the matter finished. This was taken to a court by the original creditor and not a 3rd part debt collector. Ive contacted HSBC myself and my information can not be found. Probably because its over 15 years old.
On XX/XX/XXXX they called again and I told them to stop calling. I then received a text message with a link for my documents. The documents state a debt to HSBCXX/XX/XXXX Bank which is a credit card I believe I had 10-15 years ago.
These are extremely old debts, I do not owe the debt due to my states statue of limitations to collect, and I would like the harassment to stop.
|
| 09/11/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
HSBC XXXX XXXX XXXX LOAN I have been trying to pay down my Home Equity Loan from HSBC since last year and every time I try to submit a check or online/telephone banking payment to HCBS they are unsuccessful. Instead they keep charging me interest every month and failing to accept my payments.
When I have sent a check they have been sent back to me, when I go into a branch they tell me they are unable to complete the payment because the Home Equity Loan is managed by a subcontractor and they are unable to reach the right person, when I call HSBC the same thing happens. I have escalated this several times at HSBC, both via my Premier relationship manager and via the HSBC XXXX call center, and every time they say they will try to connect me with the right person to help process the payment on my loan, but they either leave me on hold for extensive periods of time or they ask me to call back/visit a branch. It's been going on for about a year and I don't know what to do other than file a formal complaint. I have asked that the bank keep a record of every time I have visited a branch, submitted a check, or called the call center to pay the loan. There are funds in my checking account to pay down this loan, so I have no problem to prove source of funds. I just would like your help getting HSBC to accept payment, and also to reverse the interest charges that have been applied since I started to attempt paying this loan.
|
| 01/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Older American |
|
HSBC STOP SENDING ME MY CREDIT CARD STATEMENTS, AND NOBODY AT HSBC PICKS UP THE PHONE. I'VE BEEN ON HOLD OVER 2 HOURS AT A TIME. THEN THEY GAVE EVERYTHING TO A DEBT COLLECTOR, THAT GAVE ME A NEW STATEMENT WITH OVER {$1300.00} INCREASE ON IT. WHEN I ASKED " WHY '', THEY WON'T TELL ME AND ARE DEMANDING PAYMENT. The DEBT COLLECTOR IS XXXX XXXX : As per my conversation with Mr. XXXX XXXX at XXXX on XX/XX/2019, I had indicated that I need to see copies of the Statements for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, since none were provided to XXXX XXXX. I also need to know why there was a difference of over {$1300.00} on the account from our last statement of XX/XX/XXXX to XX/XX/2019, when the card was not even used. As per my conversation today with Mr. XXXX XXXX, he indicates that I never brought up the issue of {$1300.00} difference. Without this information, no individual can do a proper settlement. This is unlawfully holding back important information regarding about the account. Neither HSBC nor XXXX XXXX are helping with this matter. Mr. XXXX indicated that HSBC will settle at " 50 % '', but 50 % of what? With an wrongful higher number, then ofcourse the settlement will be higher. With a proper number, then the amount would be lower. Note, HSBC has destroyed my credit report, purposely, and the lack of the information requested shows negligence on XXXX XXXX ' part.
|
| 03/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is the list of evidence regarding my billing dispute for my HSBC Credit Card in the amount of {$1000.00} from XXXX XXXX XXXX posting on XX/XX/2022.
1. Receipt dated XX/XX/2022 for XXXX # XXXX for the total amount of {$1000.00} 2. Email from event organizer dated XX/XX/2022 informing me of the cancellation of the event and that refunds will be issued.
3. Email from event organizer dated XX/XX/2022 informing me that the refund of {$1000.00} for Order # XXXX was processed on my old XXXX XXXX ending in XXXX 4. Email from event organizers customer service dated XX/XX/2022 confirming that the refund would go into my account automatically even if my card number has changed ( HSBC changed my credit card without my prompting ) 5. Email from event organizers customer service dated XX/XX/2022 stating that their records indicate that the funds were accepted by HSBC, with the authorization code XXXX.
6. List of all transactions for my credit card account from XX/XX/XXXX to XX/XX/2022. The refund is not reflected on this list.
7. List from my HSBC rewards transaction that shows a Purchase Return dated XX/XX/2022 for the amount of {$1000.00} 8. I have been calling HSBC at least once every two weeks since XXXX. It has been a total now of over 4 months since the refund was issued by the merchant.
9. I have also spoken to XXXX XXXX XXXX and they said I needed to work with HSBC since they had already accepted the funds.
|
| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
During a recent pre-employment background check from HSBC XXXX, I've reported inaccurate/false statements related to " public record '' section of my credit history many times, and also reported fraudulent/suspicious activities from fake court/government information sources.
However, I received " Can't Proceed '' email from HSBC stating my job offer was cancelled without further explanations.
My HSBC job offer and its subsequent pre-employment screening messages were sent from email sender, XXXX ( ip : XXXX ).
On XXXX. XXXX, 2023, I received offer letter titled " Your Offer of Employment for Lead Consultant Specialist at HSBC XXXX '' careers.hsbc.com, and I accepted the job offer on the same day.
On XXXX 2023, I received email sent from careers.hsbc.com, titled " Introduction to your onboarding with HSBC XXXX stating that " Our background checking team will start your vetting '' attaching forms requesting for my personal information such as social security number and address etc.
On XXXX XXXX, based on phone call I received from an HSBC person describing my credit report, I formally requested HSBC to correct my credit report with my FRAUD Report email stating " Fake Court/Government Information Scams of such nature on at least 10 corrections on serious FALSE accusations. '' On XXXX XXXX, I requested HSBC to fulfill hiring terms and conditions mutually agreed upon, but observed no action to this date.
|
| 05/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I filed a complaint ( # XXXX ) against HSBC for unlawfully - and without my knowledge, permission, or consent - revoking an ACH mortgage payment agreement I have had for 14 years. Only I can revoke it and I have not. HSBC 's money is in the bank and it is HSBC 's own fault not to use the ACH agreement to collect the funds.
I just received via CFPB a response letter from HSBC. It makes no reference to the said complaint number, nor does it address ANY of complaints. HSBC must do so, sooner or later.
In its letter, HSBC states " As you know, on XX/XX/XXXX, you were offered a modification trial plan. Your account was set up to automatically debit ( direct debit ) your monthly mortgage payment. However, since trial plan payments can not be drafted via direct debit, we cancelled your direct debit and subsequently notified you via letter dated XX/XX/XXXX ... " HSBC deceptively implies that I was a party to some trial plans. I was not. I did not accept HSBC 's modification offer, let alone its trail plan. Therefore, HSBC had no right to usurp my rights and illegally revoke my ACH agreement. Only I can revoke it.
I therefore need HSBC to state what legal authority and justification it had to revoke my ACH agreement without my consent and permission. If it can not, HSBC must fix my credit and compensate me to my satisfaction and respond to my question from the last complaint which I re-state below.
Thank you.
|
| 01/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened my account # XXXX at HSBC on XX/XX/XXXX with the following promotion, " Receive {$350.00} bonus when you open a new HSBC Advance checking account online by XX/XX/XXXX and deposit {$10000.00} in new money within 30 days of account opening. Maintain this balance for 90 calendar days from the date you deposited the funds. Bonus will be deposited approximately 8 weeks after completing all qualifying activities. Consumers who held any HSBC consumer account from XX/XX/XXXX through XX/XX/XXXX are not eligible. '' I didn't have any checking account nor credit card during anytime ( even one day ) falling into that period, from XX/XX/XXXX to XX/XX/XXXX.
I've closed my previous checking account with HSBC ( account # XXXX ) on XX/XX/XXXX.
Since I've closed my account in XX/XX/XXXX and 12 months have passed after I closed my previous account, I was eligible for this promotional bonus.
I have met all the terms of this promotion, but after not receiving any bonus, I have raised a case # XXXX with a chat representative named XXXX on XX/XX/XXXX.
On XX/XX/XXXX, I have received a response from HSBC bank stating that, " the customer had a past relationship with HSBC in the last 1 year of campaign start date ''.
This is incorrect. My past relationship with HSBC ended on XX/XX/XXXX when I closed my previous checking account. No other relationship existed with HSBC in the last 1 year before opening my account.
|
| 02/02/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
CONSUMER FINACIAL PROTECTION BUREAU URGENT.
SUBJECT : STOP HSBC UNAUTHIRAZED TRANSFER MY BANK ACCOUNT TO XXXXXXXX XXXX HSBC Bank have agreement with XXXX XXXX transaction and transfer my all accounts, direct SS deposit account, saving account ( XXXX ) checking. ( XXXX ) Creditcard ( XXXX ) final transfer on date XXXX.
I did not have knowledge about until HSBC letter I received on XXXX XX/XX/2022, But Hsbc letter was dated XXXX XXXX .HSBC letter which I received on few days before transfer account XX/XX/XXXX. XXXX.
HSBC did not inform before the agreement and I have not received any information regarding my Bank account transfer from HSBC and XXXX Bank.
I can not witdrow or transfer-wired to other Banks on line internet banking. I have Hsbc Security device is block-disable.
Du to PANDEM I can not travel.I need money to daily expenses.
Hsbc still in business in USA and not close for business.But they sell my Privacy, name and my bank account to XXXXXXXX XXXX without my Permission and knowledge.
BY law HSBC responsibility consumer banking stransactions with my SS direct deposit, saving, checking, debit and credit card accounts safe and secure in HSBC Bank.
by law HSBC without knowledge transfer and unauthorized to sell my bank account to illegal business transactions with unethical bussiness profit.
Stop my Bank account unauthorized and illegal transfer to XXXXXXXX XXXX.
Sincerely.
XXXX XXXX
|
| 05/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I began receiving calls from a number that I did not recognize ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). When I XXXX the number it said XXXX XXXXXXXX XXXX, so apparently the real number was being spoofed. Since the recorded message commenced before the voicemail started recording, I just called the number back on XXXX to see who it was. The lady said she was from XXXX XXXX XXXX and was calling about a previous credit card ( HSBC, opened XX/XX/XXXX ). They supposedly sent verification to my home with a settlement offer and stated I never responded. They did not. ( I have USPS Informed delivery and it shows all my mail ). She said the account went delinquent in XXXX and they are contacting me for payment before filing with my current county. While I do not recall ever having this card, I was still surprised of collection activity on an account where the statute of limitations has long passed. Credit agreement debt in Louisiana is 3 years and some courts find it is a violation of the FDCPA for a collection agent to pursue a debt collection lawsuit against a consumer after the statute of limitation expired ( Kimber v. Federal Financial Corp. 668 F.Supp. 1480 ( XXXX ) ).
The agent proceeded to send me a text with the attached document of the debt. It does not include the dates, so I will reference what was told verbally is that the account was opened in XX/XX/XXXX and went delinquent at some point in XXXX.
|
| 12/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have an account with Hsbc and they without notifying me I guess decided to lock me out of my account my wife XXXX the joint owner has access still to her online portal and she tried to transfer the {$3800.00} in funds that we still have in the account Over to another account that we verified using the Hsbc website with two deposits which they did deposit into the second bank account which would be chime and then they withdrew it. This all happened very quickly. And then we initiated a bank to bank transfer to withdrawal our funds because they told us they were closing our account because I mistakenly deposited an old check and it did not clear I did it completely on accident and this is the first time anything like this is ever happened since opening the account, but they are refusing to give me my money in any way other than a cashiers check and they say that it could take 60 days but XXXX XXXX XXXX XXXX XXXX and at first somebody told me I could go to a branch which is XXXX XXXX XXXX away or I will wait to 60 days in the person. I just got off the phone with now tells me I have to wait to 60 days and theyre not gon na allow me to transfer my phones out and I believe this is unfair practice and I hope that you guys could help me to resolve this issue. All I wan na do is remove my funds. They can close my account, and I will be happy to no longer do business with them ever again I learned my lesson..
|
| 02/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
HSBC - I received a card with an into APR of 0 percent on purchases for the first 18 months. Nowhere in my card member agreement or paperwork received from HSBC did it state whether or not the intro APR would change on purchases made but not yet repaid by the intro APR expiration date.
I have a XXXX XXXX card and, the purchases made are at the intro APR until they are paid off.
So, I called HSBC and asked about how the intro APR worked. I took notes. I was told the intro APR expiration would not expire on purchases made within the intro period.
Fast forward to around the first of XX/XX/XXXX. I noticed a not on my statement that seemed to indicate I would start being charged interest on the purchase I made starting XX/XX/XXXX, the end of my intro APR.
I immediately called for clarification. I would have utilized other purchase methods for this purchase of XXXX dollars. HSBC confirmed I would be charged interest on the remaining balance starting XX/XX/XXXX. I proceeded to explain to them that I called previously and was told something different. They confirmed record of the phone call. I asked them to please pull the recording and they refused. I asked them to please find the text that backed up this latest story in the card member agreement, and, they could not.
I am requesting that the balance remain interest free for the life of the balance, just as I was told when I called in mid -XX/XX/XXXX.
|
| 12/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XXXX XXXX 2017, I received a bill from HSBC bank which appears that someone had stolen my identity and opened a new credit card under my name and address. They charged {$9400.00} on the card. I called HSBC bank that night but was on hold for almost one hour. I tried calling again the next morning and was on hold for another 50 minutes. Finally, I went to the branch in XXXX, CA and they had me call their Fraud line again. I called from the bank and was on hold for another 37 minutes before someone talked to me. I was asked to fill out an affidavit form which I did and returned back to them but have not had any results. I also disputed the card on XXXX but HSBC bank certified to XXXX that the information is correct. When I was at the bank, they told me some information filled out on the credit card application was incorrect. The applicant used the wrong home phone number and wrong email address. There was another bank that the criminal got a card from also under my name, but that bank had already resolved the dispute and removed it from my credit report. HSBC however does n't seem to care about my credit score and their customer service is very slow in responding. I think someone needs to audit the dept that is approving credit card applications at this bank. Especially if they are allowing transactions like this to go through. Other banks would have called to verify or have the stores check photo IDs.
|
| 05/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I currently can not access the funds in my account. When I called to check on this after verification from the fraud team by phone last week and by text on XXXX Yesterday after confirming my attempt to purchase I received a text saying my card is available for use. But I could not use it. I called and was transferred and told my account is blocked and under review. I then asked for a supervisor to gain access to the funds that were just deposited into the account. I was met with back and forth and then settled for a call back. I was given incorrect work times and was not called back. When I called again today XXXX I was told supervisors are gone by XXXX EST. I was told XXXX yesterday. My auto pays are blocked and now Im not only late but having to pay fees and its affecting my credit. There has been a lack of communication. I didnt receive an email or letter stating this could happen. When a representative called me last week I was not told it was a risk or that its being reviewed or else I would have sent my direct deposit to another account that I can access and not one that is blocked.
I just need to get my money asap! This is all I have access to for day to day and bills due. I have a chronic illness and I cant even pay my co-pay because I can not use my debit card.
And they act like its not an emergency and I have days to let them take their time for an escalated matter dealing with my money.
|
| 12/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I recently opened an XXXX checking account and linked XXXX consumer credit card with HSBC NA in XX/XX/2018. After making several charges on the card, any further transactions were declined as of XX/XX/2018. Since then, I have not been able to use the card OR access my online checking account. I have called repeatedly to HSBC and have been transferred to the security team ( XXXX ). This line simply puts me on hold for 2 hours and then disconnects the call EVERY SINGLE TIME with no one picking up. I have been calling every single weekday since XXXX, starting at XXXX EST, which is the opening time. I have NEVER had my call answered despite repeating this an average of 3 times a day. After being on hold for 2 hours, the line disconnects. If I try to call by the end of the day, I am placed on hold and then disconnected as of XXXX EST. Whenever I talk to anyone else at HSBC, they state that no one else can fix my problem and that is the only department that is authorized to handle this issue. They refuse to help and state that there is no supervisor, managing office, or alternate means of contact to resolve my issue. I am basically cut off completely from my checking deposits and credit card use. I have tried multiple other phone lines and twitter help. I have not had anyone attempt to call, e-mail, or text me for verifying fraud on my account, as is listed on the HSBC website. This is simply unacceptable!
|
| 09/03/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX, I settled a debt through a law firm for a XXXX XXXX/Metris credit card account.
In XX/XX/XXXX, I was contacted by another law firm and told that I owed for that same account. I contacted the original law firm and they re-sent me the settlement letter and confirmed that they had my account as satisfied and that they had let Metris know back in XX/XX/XXXX.
I faxed the settlement letter to the law firm who contacted me as well as bank statements showing the payments cleared. They apologized and assured me they would correct the issue with Metris.
I have since heard from at least XXXX other law firms on this, almost on a yearly basis. Most recently last week. I submitted yesterday, the settlement letter to the latest law firm.
Metris has been bought by other companies since I settled the debt and I can not find an up-to-date contact number so that I can address this directly. The law firms will never give me the contact info they have, they only assure me it will be taken care of. However, this is only 'taken care of ' until Metris ( or whoever owns these old Metris accounts ) sends my info to a new law firm. They never update my account correctly to show that it is satified. I do not think it is fair or reasonable that I hear almost annually from a lawyer on a debt that I have satisfied and paid taxes on. I am attaching the settlement letter which has the original law firm information.
|
| 12/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
I got a new Credit Card and when initially setting up ez pay I put full statement balance being I had a {$0.00} balance at the time. I get a balance transfer after this for $ XXXX/18 months interest free and obviously I dont want to pay the full balance anymore so I change it to minimum payment due. Well instead of changing it they took out the whole {$3000.00} balance transfer I got just a month earlier instead of the minimum payment I had changed it to 24 days earlier. I get a returned item fee from my bank and HBSC who is the credit card company is well it takes a billing cycle to change which I have many credit cards from other banks and no body does that because it makes no sense. No one changes what they want to pay just to have what was initially set up for to come out. No one on earth pays a balance transfer off the next month. They need to get like every other bank in the world and not wait 2 months to take effect. I contacted them and they just read a script about their rules which are beyond stupid. People make purchases during the month and need to change what is coming out since they dont have the money at the moment to pay for it. Its just common sense and common banking or business sense and they dont have any. Besides that the minimum payment also came out along with the {$3000.00} on the day exact day. Its not hard to correct this and change your policies because they are ridiculous.
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| 11/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I'm an XXXX XXXX solider who serve his country and HSBC doesn't provide XXXX percent customer service they told me that would help me out with fraud transaction, as stated on their ad, we aren't XXXX percent reliable for these fraud transaction and these are the charges XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XXXX XX/XX/2018 XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX I was told that it was supposed to be credit back but it never gotten transffer from the previous card ... i called the customer service rep we spend over an hour on the phone so i got fed up with it. so now im deciding to write this letter so the world can see it.
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| 04/01/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I have been receiving calls from XXXX XXXX XXXX, XXXX within the past couple of months everyday, at least twice a day regarding an account that I had with XXXX XXXX ( I believe this is the creditor ) in XX/XX/XXXX or XX/XX/XXXX. I believe the original amount was about {$2400.00}. The business has been closed for several years and I received calls from the law office a couple of years ago and started making payments. When I requested a copy of my original loan documents and totals of payments made directly to the law office, I believe XX/XX/XXXX or XX/XX/XXXX, I never received documentations. Around XX/XX/XXXX, I spoke to a representative and explained that I did not owe any monies to XXXX XXXX and requested that they stop calling me. Since that time, I have continued to receive numerous calls daily. No voicemail messages are being left but the calls continue to come in. I received a letter on XX/XX/XXXX, dated XX/XX/XXXX, from the law office stated that the letter was in regards to : XXXX XXXX XXXX, XXXX vs XXXX XXXX XXXX, Index Number : XXXX. I am guessing this is for the old account and have no idea who XXXX XXXX is. It states that I owe {$9900.00} with daily interest rate of {$1.00} which is insane to me. I want them to stop harassing me for monies that I do not owe to them. Again, XXXX XXXX do not even exist so I am not sure why after all these years, the law office has starting calling me again.
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| 12/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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In XXXX of 2009, my husband and I filed Chapter XXXX Bankruptcy. Our mortgage company, HSBC, agreed to a loan modification and reaffirmation which lowered our mortgage payments from XXXX to XXXX. We signed these documents with our Bankruptcy Attorney ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) and they were sent to the Attorney for HSBC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ) to be filed with the court.
Four years later, we start getting notices from HSBC that we were behind on our mortgage payments and they threatened to foreclose on our house. Not one time have we ever missed a house payment. At that time, I had my attorney research the matter even though they were not obligated to do so, they contacted the Attorney for HSBC who claim to have never received the loan modification and reaffirmation agreement. I was terrified that our house would be foreclosed on again, so I agreed to sign another reaffirmation agreement. However, HSBC did not agree this time to modify our loan payments to a lower amount. I feel like in order to keep my house, I felt forced to sign the new agreement at the higher payment of XXXX. In addition to the higher payment HSBC tacked on approximately {$12000.00} in interest.
No one seems to care that the paperwork was mishandled. No one seems to care that I owe {$12000.00} more than I should. No one will listen. I hope you will.
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| 03/19/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I opened an HSBC Choice Checking account in XX/XX/2018. According to the terms for the account, HSBC is required to pay me a welcome bonus of {$200.00} after I keep a minimum balance of {$1500.00} for 90 days starting within 30 from account opening. Even though I did meet this criterion, HSBC has not credited my account with the welcome bonus.
Upon inquiry, I was told ( via chat ) that I do not qualify for the bonus due to having had a " banking relationship '' with HSBC during the year before the checking account was opened.
However, according to the terms for the account, only a prior " HSBC consumer deposit or investment account '' would disqualify me. I have never had such an account before the one on question. If HSBC claims that I had a prior " banking relationship '' with HSBC, this can only refer to my HSBC credit card, which I do indeed have. But a credit card is not a consumer deposit or investment account.
I tried repeatedly to get HSBC to substantiate its claims that I had a disqualifying consumer deposit or investment account. They never did. My last inquiry via XXXX was never answered, and the last time I tried to get a chat representative to resolve this, he " hung up '' on me.
I am attaching screenshots of the only two responses that I did receive via XXXX. The most recent response promises a follow-up with specifics on the disqualifying account, but the follow-up never came.
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| 12/17/2015 |
Yes |
- Money transfers
- International money transfer
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- Money was not available when promised
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Web |
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HSBC Bank N.A Is always confiscating money transferred coming through their XXXX payment Hub in XXXX and probably many other people around the world. They withhold the funds for weeks under the pretext of conducting Anti Money Laundering information gathering on the remitter/beneficiary and they use payment network inefficiencies and the multiple layer of intermediaries to keep the funds the longest possible time and most likely accumulate more and more interest on the unlawfully and indiscriminately confiscated funds. Although they are given the information by the intermediaries they still hold the funds. Worse HSBC NY continue to repeat this confiscation and asking intermediaries the same questions ( remitter/ben date of birth, Place of birth, Citizenship and ID ) over and over again. The bank maybe using XXXX profiling using remitter names ( i.e an innocent remitter/beneficiary with the name XXXX will probably get his money confiscated repeatedly over the years and for weeks, while a money launderer named XXXX XXXX may sail through their network with no issues. No one from HSBC N.A/N.Y has bothered to contact me to explain or help. For years this on-going bad practice by HSBC N.Y goes conveniently unchecked. No one from HSBC has bothered to enhance the system to populate the information they gathered about me from previously confiscated funds, i assume because it is not in their " INTEREST.!!! ''
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| 04/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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We are trying to Refinace our mortgage with our bank in our home town, and Beneficial ( my current mortgage holder ) will not produce the proper papers to show payment history. We have been fighting with this company for years and requested this paper work on XX/XX/XXXX. Had a conference call with them yesterday XXXX XXXX were they told us and the XXXX XXXX XXXX bank collector that in XX/XX/XXXX, we missed XXXX payments! There is only XXXX months in a year ... But then they said for XXXX months all of our payments were past XXXX days late! Th n it was said again by beneficial that it was because we were in bankruptcy ( our mortgage was NEVER in the bankruptcy, we continued to pay them our selves. After a year of us being in our bankruptcy beneficial decided to punish us by taking away all of our online access to our account, we could no longer view our account we also requested that they prove to us we were late and were told that they could n't release any information to us about our account! So now they know, as I have made it very clear to them that we want out from under them. Now they have made me lose a business opportunity ( as that loan was going to get rolled into our new mortgage ). I have been out of work since XXXX and am having surgery tomorrow and have now been put into a financial crunch because I no longer have an income and will not be able to work for at least another XXXX months.
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| 04/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My name is XXXX XXXX & my wife XXXX XXXX applied to HSBC Bank XXXX XXXX. to obtain refinance for existing mortgage with XXXX XXXX. I have a perfect credit rating around XXXX So Everything was going good i submitted all financial documents from work both for myself and my wife who is a XXXX working in XXXX XXXX. I paid {$600.00} for appraisal and HSBC also asked for 2 questionnaires filled out by my XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX. These 2 questionnaires I paid $ XXXX each ( including Coop 's lawyers fees ) Suddenly, its 2 months passed and HSBC reps XXXX XXXX XXXX XXXX XXXX conveyed to me that there is a My XXXX XXXX XXXX XXXX has ongoing lien with another company for approx {$460000.00}. My XXXX has no current mortgage and plenty of funds in reserve account. It has over 1000 apartment average price for each around {$300000.00} - {$500000.00} All these info was transferred to the HSBC reps. The lawsuit/lien is ongoing and there were no judge order yet to XXXX to pay this lien. So as a result, HSBC refused my refinance and send me a letter on XX/XX/2021. As a result of this i lost {$1600.00} dollars ... ..
XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( NMLS XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX HSBC Bank XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX Mortgage Loan Processing AVP Team XXXX XXXX I HSBC Bank XXXX, XXXX.
XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX NMLS # XXXX
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| 09/22/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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|
Web |
Servicemember |
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My name is XXXX XXXX. I am a XXXX XXXX XXXX male. I currently suffer from XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX XXXX ). As anyone may know, finding employment with any single XXXX factor can become an undertakinglet alone having been diagnosed with two. I bring up my XXXX and race simply because I have been taken advantage of by HSBC. I have filed a complaint before and have remained in contact with respective partiesyet after nearly five months there has been no avail. One particular person by the name of XXXX XXXX, has lied on multiple occasions about the succession release of funds to my account. Consequently, my businesses have dwindledthus my source for providing sustenance for my family and myself have vanquished. Moments have become extremely perilous. In fact, I rationalize food and shelter with life saving medication. I have pleaded with XXXX on many occasions to help save my XXXX XXXX XXXX XXXXunfortunately, she continuously refuted. Nevertheless, after many days, weeks, and months without resolveI accord the CFPD once again for guidance and due diligence to bring about a resolute. Again, I know I am XXXX XXXX, XXXX, and disadvantagedbut this is no way a financial instate of this standard should discriminate against the disadvantage. I have reached out to HSBC nearly 200 times during the span of 5 months and each plea has been cascaded with hollow vacant responses.
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| 11/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
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Hello, Earlier this morning I applied for the HSBC Cash Rewards Mastercard. I got to the Authentication Interview and, after answering the questions successfully, the application pended for further review ( I'm guessing somehow one or more questions were wrong/XXXX has not been fully verified? ).
I just called HSBC and got to an agent named XXXX to get the matter resolved ( I believe overseas ) who advised me that I would have to wait up to 21 days for the final decision. The call took place at approximately XXXX XXXX EST on XX/XX/18. Instead of clearing XXXX with me over the phone or advising me of what I need to send in, he told me that I just have to wait, which is unacceptable. I am looking to use the card sooner rather than later with holiday shopping, and I do not want to wait 21 days. I also thought the rep was very rude. I even advised him that I would be submitting this complaint if we kept going in circles and he didn't care. Then, at XXXX XXXX a manager called me back, apologized, but reiterated there is nothing that can be done, so I reluctantly gave up and just decided to submit this complaint.
I'd like to have this application reviewed as soon as possible. I understand that there is a log of apps in your pipeline, but when a prospective customer calls in and advises of extenuating circumstances/stresses the need for a more immediate review, the answer should not be " tough ''.
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| 05/26/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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Timeline : 1. I deposited a personal check to my HSBC checking account.
2. And their security department suspend my account. However no one from HSBC contact me via email or phone 3. I don't aware of the issue until I can not access the account either from web or mobile.
4. I called the customer service department on XX/XX/XXXX. They gave me a phone number of security department without addressing my issue 5. I called the security department on XX/XX/XXXX. The representative ask me to wait to 5-8 business day without giving me a resolution. During these time i can not access my account balance or do other action.
6. I called the customer service department on XX/XX/XXXX, and issue still doesn't get fixed.
7. I want to close the account, and the representative refuse to do that.
Complaints : 1. During these time, No one called or emailed me explaining why my account was suspended. And how can I fix the issue.
2. They set the working hour of security department to is 8-5 pm, ET, which is very inconvenient for me to contact them since I am in PT time zone. I have successfully contacted the security department once. However they does not fix my issue just asking me to wait.
3. I used this account to pay my other credit card and rent. Since they refuse to tell me the balance of my account, I might be required to pay over-draft fee or late payment fee from various credit cards companies.
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| 03/15/2022 |
Yes |
- Mortgage
- Other type of mortgage
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|
|
Web |
Servicemember |
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I retained Atty. XXXX XXXX to represent me with the closing of my house located at XXXX XXXX XXXX, XXXX, XXXX XXXX in XXXX. I am the seller. This property was originally purchased by my parents in XXXX of XXXX and transferred to me in XXXX. Apparently, the buyers attorney found a gap in the bridge during the title search going back to when purchased in XXXX. The property when initially purchased was a foreclosure and the company was Household Finance XXXX XXXX Household XXXXXXXX XXXX had a second mortgage on this property. I have found that these 2 entities were subsidiaries of each other and at that time were found to be conducting fraudulent activities and ponzi schemes across the US. The " Household '' was acquisitioned by HSBC in XXXX. For 3 months now, I have tried repeatedly to get this corrected either by quiet title or corrective deed. I am pleading for your assistance in this matter. I am also asking for an investigation, as I feel something seriously wrong has occurred. I would like to see this matter corrected so I can complete the sale of my home. I purchased a new home in XXXX 4 months ago and need to close on my house in XXXX. It has caused both myself and the buyer additional expense and I need resolution. Also note, I have requested to speak with Attorney XXXX and have yet to receive a phone call, my questions go unanswered and he has not responded to the buyers attorney.
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| 11/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
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On XX/XX/2020 hackers accessed my XXXX account and three unauthorized orders of cell phones from XXXX were purchased using my HSBC debit card.
None of these orders were authorized.
See all three orders attached. Note that one was caught as fraudulent and canceled by XXXX ( when they froze my account as it was hacked ), one was disputed and refunded, and the last was not refunded. Another order was refunded after I initiated a dispute. The third order, for {$960.00}, was disputed, but denied in dispute by HSBC.
It should be very obvious to HSBC that I would not purchase 3 phones in the span of 2 minutes at XXXX in my local time. This is why XXXX recognized my account had been accessed without authorization and froze my account and reset my password.
In HSBCs response to me, HSBC made note of the sellers response, but did not reference my letter or evidence provided to HSBC previously.
This is very obviously a fraudulent purchase and should be refunded in full, as I noted in my many letters to HSBC. No refund was given.
Im attaching multiple conversations with XXXX customer support, and the merchant, where I alerted them to the fraudulent purchases. Refunds were issued for the {$1000.00} and {$690.00}, but not for {$960.00} as the merchant has been uncooperative.
HSBC refused to refund the amount and ignored my many letters and didn't return my many phone calls and voicemails.
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| 03/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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|
Web |
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I received an offer from HSBC with a credit limit of {$2500.00}. I used the card and in the beginning of XX/XX/2017 fell behind a few payments. I was having a hard time making the payments but did make try to make payments but they were not on time. I missed a few payments. They kept calling me and taking money from me but closed my account without my knowledge. I didn't find out till months later. They said that they mailed me a letter. How come they mailed me a letter informing me that they closed my account but can call me a few time a week to collect payment. I never disputed my charges or that I owe the amount. I simply needed to get caught up. I told them to reopen my account and they said unfortunately we can't do that. So I told them then unfortunately I can't pay them. They said it is still my responsibility. I agree that I entered into an agreement with them but don't understand why they can't simply reopen my account. I am will to keep making payments as long as I can use my credit. I think it is extremely unfair for them to do this. I wanted to maintain my credit with them as I have been a very good borrower. I would gladly make payments if I can use my credit card, since this is what it is for. My name is XXXX XXXX Acct number ends in XXXX. I am now 3 months behind and it is with their collections and recovery department. I spoke to manager by the name of XXXX. My number XXXX
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| 01/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/2022, I received a telephone call from ( XXXX ) XXXX a XXXX XXXX they were law enforcement and I needed an attorney to immediately call them back or there would be a warrant issued for my arrest. She said her direct line is ( XXXX ) XXXX. They refused to give me their business name. They said it was in reference to HSBC. I have never received anything in writing from anyone about HSBC. I asked for them to send me proof of anything they had and I gave them my address. They refused to give me their address or fax number or email. They used threatening and profane language and are NOT complying with federal law pertaining to the Fair Debt Collection Practices Act.
Within 5 minutes of hanging up my son, XXXX called me and said they had called him saying they were sending the police after me unless he paid them over the telephone.
Within 10 minutes of that call my elderly sick mother, XXXX received a call from them demanding that she send them over {$3000.00} or I would be " XXXX XXXX XXXX ''. The telephone number they called her from is ( XXXX ) XXXX but again said it was HSBC.
I see online that others have been abused by this " company ''. Please call them and make this stop and please ensure that my rights, and those of others, are enforced and that this company is made to comply with Federal Law.
I am XXXX battling XXXX and I don't need to be abused by this " company ''.
|
| 11/11/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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XXXX called my place of employment and told my Assistant that they needed to speak to me in regards to serving me papers. They claimed not to know what the policies at work were but wanted to find out from me. She got a name and number. XXXX XXXX XXXX ext. XXXX. I called XXXX XXXX back and she told me that if I did n't pay on an old debt within 72 hours I would be served papers and would have to respond to my local courthouse within 72 hours. This debt is for {$2800.00} from an old credit card that I had disputed since XX/XX/XXXX. She offered to settle with me for {$2100.00}. She was going to send me an email with the offer and then I asked her to validate the debt and she said sure thing but I must respond by XXXX today or the deal off of the table and I would be served. It is XXXX on XX/XX/XXXX and I have not received an email. She also stated that they sent me a letter 6 weeks ago offering me a deal to pay off the bad debt. I never received the letter and asked why she did n't send it certified and she said they do not do that. When I spoke to XXXX she did n't tell me what company she was with nor did she give me an address. What bothers me the most is that she called my place of employment. She asked my assistant what the procedures were at my place of employment so they could serve me papers and of course now my assistant believes I must be in some sort of civil or criminal trouble.
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| 06/27/2020 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Company closed your account
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|
Web |
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I submitted this complaint before, you submitted it to HSBC who reviewed it and said basically " It could take up to six months - good luck ''. They did not provide proof of when or who to my account balance was submitted. If this is the extent of action you can take then honestly don't see the point of your agency. The law regulating delinquent accounts was intended to clear up old accounts of people who had died or were truly unreachable. Financial institutions are either grossly misunderstanding the law or deliberately abusing it. If you haven't viewed an account in over a year they will send one letter, which may appear to be spam or simply missed, and then close your account and give the money to the state. A few repeated emails or phone calls or several letters would reach 99 % of people.
I would expect you agency to take some action such as review how many similar complaints were at each bank and look into whether they actually submitted the money to abandoned property.
original complaint : HSBC gave the remaining money in my account to abandoned property in Connecticut on XX/XX/XXXX. I have checked CT abandoned property and their is no record as of XX/XX/XXXX. I did not receive any prior notice by mail, email or phone call even though I've had the same address since XXXX. I had been receiving email notices up until XX/XX/XXXX saying that a new account statement was available.
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| 11/21/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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This is an HSBC account from XXXX, and was settled back in XXXX with another collection company by the name of XXXX XXXX XXXX. I just started receiving calls from the company this week from a XXXX, they are leaving long messages advising they are trying to catch up with me, they are filing court documents, they have given me information about my car, my old residence as well as advising to get my license suspended for not paying the debt. My daughter reached out to HSBC XX/XX/XXXX to see who this company is because the company will not give out any information at all no addresses nor first or last names, they get very hostile with customers that they are trying to collect debts on. HSBC advised that there are no longer any accounts in there system for me and if the company is not willing to give any information about their company then its most likely a scam. My daughter reached out to this company who goes by XXXX XXXX XXXX which there is no information available on line about this company. And advised the same account number given was paid back in XXXX, the representative then advised her to send through email. My daughter then advised she will not she will like to get a physical address to mail, in return the rep sent her to a voicemail because she advised she did n't have the address. And said it will be quicker to just email the information to show the debt had already been paid.
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| 05/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
Servicemember |
|
in re : HSBC- XXXX XXXX XXXX banking corportation U.S. dispute claims mishandling by hsbc and failure to credit transaction for returned items to merchant.
hsbc failed to properly credit dispute claims and merchant made false claims and after i returned defective car and missing car documents. hsbc gave all kinds of run around and never contacted me for followups. after 6 months of investigation my claim was finally escalated to a manger of hsbc in new york named XXXX XXXX, XXXX, Customer Relations. hsbc stole my money and never properly disputed my claim for lost money. product-car was returned because seller refused to provide authentic car document and invoice. and XXXX participated in the fraudulant activites. hsbc never had anyone that spoke in american language. i could barely understand the foreign employees handling my claim. this happened on multiple occasions. and 2nd concern was that after making bill payments for 6 months ... the first 3 months bill payment were returned but hsbc bill pay stole the 3 bill payments. i have asked numerous times for my refund of the bill from XX/XX/2022 to XX/XX/2022 and the XXXX hsbc XXXX did nothing and failed to do anything. its seems like everyone at this hsbc XXXX bank is very incompetent and deceptive and liars and don t know what to do. they need to be investigated by US federal banking agencies for their dirty banking practices!!!
|
| 08/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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HSBC BANK XXXX froze my bank account in early XXXX, and I lost access to my online banking.
They did this for suspected fraud and asked me to come into branch with valid ID and to provide evidence regarding a XXXX credit coming into my account.
I did all of this, submitting statements and official letters that validated the payment.
The review was completed swiftly and on XXXX XXXX I received a letter stating that with requested evidence, the bank completed our enquiry and all restrictions on your account have been removed.
In fact, no restrictions have been removed and the bank has continued to unlawfully hold my money without unblocking the account. It has now been over 6 weeks since I received this letter and well over 2 months since the account got restricted. I have not had any contact from the bank and they have just illegally been holding my account, I know they are not allowed to do so by XXXX law for over 6 weeks.
I am a XXXX and all my money is in this bank account as well as my XXXX overdraft. Also my XXXX XXXX from my university ( XXXX XXXX ) came into this account and I am unable to spend the rest of it which means I have no food. I am starving and cant pay my bills and cant focus on finishing XXXX XXXX XXXX because of this. I have developed XXXX XXXX and XXXX XXXXXXXX and XXXX XXXX. I have been seeing many XXXX and doctors because of the ongoing situation.
|
| 02/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
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Hi, I would like to file a complaint re this company who has been harassing me about a creditor who placed scary calls to me, my spouse and my niece re an HSBC XXXX loan ( car stereo ) amounting to XXXX and now saying that i owe them total XXXX. That i needed to pay them ASAP otherwise i will get a Summon this Friday XX/XX/2021. The guy i spoke with said that I now owe a total of XXXX and that i needed to pay XXXX if i want to settle outside court. They asked me to loan money from people so that i can pay that. Please the voice message below. I felt threatened and so is my family. They said that they sent a letter 6 months ago with settlement which i did not receive.
This is an urgent message for .... name is XXXX XXXX. Some abandoned XXXX. My office has been retained to deliver documentation to your property address. This is regarding a pending complaint being ordered against XXXX. If no contact is established today, our field investigator will be dispatched to your property address and place of employment on record. It is very important that XXXX contact the issue Infirmed today at XXXX and refer to your complaint number XXXX If no contact is established with that issue infirmed today it can result as an order of noncompliance. And after this my final attempt, the documents will be filed as a failed action to serve.. Click here : XXXX to listen to full voice message.
Thank you.
|
| 11/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
i applied for HSBC Master card over internet, was approved and have confirmation e mail.then welcome e mail and 2 letters came, then PIN letter and e mail came and finally i got card itself [ ends XXXX ] .i activated over the phone as advised on card letter and went to local XXXX XXXX for food.all i spent is {$1.00} but card was rejected so i used other card. i called customer care # XXXX and was told they off till XXXX next day.i went and again activated card over hsbc.com/activateus, as it was 2d option on card sticker. received e mail saying : card is activated and ready to use again but to be on safe side i choose chat option and waited 3 hours until it was answered just to learn that i must call to fraud department and agent XXXX said i do not know what to do [ i have copy ] since it is frozen. # i got is:XXXX.i called XXXX today and was told it is international call so i went back to chat.this time i got # XXXX, of fraud department.i was on hold since XXXX till XXXX, when i walked to branch of HSBC and showed them ringing phone.Manager Mr.XXXX XXXX called himself and we all spent 3 hours on hold then he gave up and said : it is unusual.No kidding.Now they have my S.S number, driver license, D.O.B. last working place etc. and all i have is useless card i can not use.Please help.I am XXXX person and do not need that aggravation besides i learned now this bank being hacked daily.
|
| 07/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Unfortunately I am upside down on my home by {$100000.00}. I just received a Mortgage Statement showing {$200000.00} due by XXXX XXXX, 2015. I am self-employed and my business/income has dropped considerably. I contacted " Keep your home California '' which stated that I qualified for a Principal Reduction however the company that is carrying my note, HSBC, will not allow me to participate. I asked if I could at least get help with their other program that helps with relocation and moving expenses. I was again told that HSBC would not give permission for me to receive help there either. This is wrong! I originally had my loan with XXXX, which I was told went bankrupt which left me stuck with HSBC handling the loan. " Keep Your Home '' stated XXXX was n't even on their list, but my notices show XXXX for payoffs.The only programs they will allow is to catch my payments up then I 'm stuck with the same payment which put me into this trouble to begin with, along with I have to pay those payments on time, ca n't sell or refinance for 5 years. If I default with this program for any reason, then I owe all of that money on top of the original amount. I really need a program which can lower my loan payments permanently, not keep adding to my problems .Without any help, at my age, I can potentially end up in the streets. If there is any way of helping, please. I would be eternally grateful.
|
| 09/06/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
In XX/XX/2016 I left a job in XXXX XXXX. I went to my bank ( XXXX an affiliate of HSBC ) and withdrew {$17000.00} as a demand draft ( see attachment ) in preparation for leaving. The demand draft was drawn on XXXX XXXX, XXXX. Upon arrival in the XXXX I deposited the demand draft. It was returned without explanation by my XXXX XXXX ( XXXX ) and stamped " refer to maker ''. They issued me a check in lieu of the original ( see attachment ), which I then attempted to deposit at XXXX XXXX XXXX. The teller accepted the check and said it would not be a problem. When the money did not appear in my account after several weeks I called and was told that the check was returned and since they destroyed the original I would have to contact the original bank for another one.
Since I was no longer in XXXX XXXX, I hired an attorney in XXXX XXXX, and they went to the branch with copies of all the attached documents as well as a POA. They were told that my demand draft was in fact returned, and the money deposited into my account. However since it had gone dormant, the money was transferred to the XXXX affiliate of XXXX, XXXX XXXX XXXX.
I called the HSBC help lines and since I don't have an active account the customer service reps can not help me. I have searched various states ' abandoned property listing and come up empty. I get no response when I email the HSBC addresses on their website.
|
| 11/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I am in the process of applying for a loan from HSBC. The loan consultant was not familiar with FICO scores and the various scores or methodologies of FICO. She stated that you need a XXXX FICO to qualify for the best rate but she could n't tell me whether they were using a FICOXXXX, FICOXXXX or FICO Mortgage XXXX score. I had to ask multiple times and had to send her a link from a google search as she continued to say that they just take the middle of the XXXX FICO scores. Her sales manager provided this response.
HSBC utilizes a mortgage origination system to order credit from all XXXX credit bureaus via a vendor.
Our loan officers have no control in credit scoring and we are not educated about " different methodologies or versions ''.
I apologize for not able to answer your credit scoring question.
Please feel free to contact Office of the President at XXXX extension XXXX should you wish to escalate your inquiry.
Unfortunately this was after HSBC had already run my credit. They gave me my XXXX scores but could n't tell me which scores they were. I am surprised that mortgage consultants at HSBC do not know this information and have not been trained to better answer these questions before pulling someone 's credit. It does n't mean anything to say that a customer can receive the best rates if they have a FICO of XXXX yet they ca n't tell you what FICO version that is.
|
| 09/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/2022, my dad wired {$6000.00} to XXXX to his account with HSBC XXXX. On XX/XX/2022, my dad was checking his account in XXXX to make sure the money arrived to his account and it never did. We called out bank ( sender ) and told us the wire was sent and should had arrived by now. My dad and I reviewed the wire form and spoke to USBC XXXX and we were told by the Branch Manager the information was incorrect. The customer service rep at that location in XXXX had given us the wrong wire instructions. Our bank started sending requests to HSBC fed line requesting to return the funds or credit the funds to the account in XXXX & gave them the correct bank info and they did response at first but the money is still missing and our bank continues to send emails with no replies., but now its been several months and still have not heard nothing from them. We have also kept in contact with HSBC XXXX and tell us they can not help or answers our questions to where the money is.
We feel that this was not our fault and the customer rep. gave us the wrong wire instructions.
On XXXX XXXX, my dad was admitted to the XXXX with XXXX and XXXX and is now suffering the consequences of this terrible XXXX He is still in the XXXXl and it will be a long recovery. XXXX may not be a lot, but it is to him and my mom who desperately need their money back and unfair they are not getting any answers.
|
| 11/24/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
On XX/XX/XXXX2017 I walked into an HSBC branch to change my last name to my married name. The banker assisting me, XXXX XXXX, attempted to upsell me on various HSBC products including a Savings Account, a Credit Card and Overdraft Protection. I agreed to change my account from Advance to Premier and open the Savings Account but declined the Credit Card and Overdraft Protection. He then sent me to a link to a website to open on my phone to digitally sign. On my phone 's screen it was nearly impossible to make out what I was agreeing to. Verbally, he assured me we were just opening the Savings Account. To my surprise, I opened my account the next day to see that a credit card was opened in my name. I called XXXX XXXX who assured me it was a soft pull on my credit report. When I did some more investigation, I discovered it was in fact a hard pull and when I called him back he denied ever saying opening a credit card would be a soft pull, let alone that he deceived me into signing up for a credit card I never agreed to. I attempted to resolve the issue through the bank but XXXX XXXX 's manager attempted to sell us on the benefits of the card and then a few days later, the bank performed a perfunctory investigation where they printed out the pages I digitally signed without acknowledging that XXXX XXXX had convinced me I was signing up for a Savings Account and not a credit card.
|
| 10/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened my account in XX/XX/2020 w/a cash incentive if I were to have " recurring monthly direct deposits totaling at least {$500.00} from a third party to my HSBC Advance checking account for 3 consecutive calendar months from the second full calendar month after account opening. '' I made an initial deposit of {$100.00} to fund it, {$500.00} to increase my balance, and then {$250.00} thereafter. The offer indicated that I would " automatically receive the {$200.00} Welcome Deposit in my new HSBC Advance checking account approximately eight weeks after completing all qualifying activities. It's that simple. '' I began inquiring in XXXX when I didn't see it paid. A few times I was told to wait a few more days and, if it had not been credited, to chat back so a ticket could be open. I thought the bonus was for {$450.00} and one of the chat representatives even corrected me that mine was for {$200.00} given my XXXX XXXX. I have chatted at least 7 different times and everyone either said I did qualify and to wait or that a ticket was opened to see why it had not posted. Today I chatted and was told that per ticket # XXXX I did not qualify because I did not open the account right. This is absurd, unprofessional, and I'm confident it is in violation of UDAAP. I opened the account from the promotional page within their website, so how am I to blame for any errors on their end?
|
| 08/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Yesterday I made a deposit on my account and today when I tried to login and check the deposit it showed my account was suspended when I a called the number I was transferred countless times to a back office operator who literally mistreated and treated me like trash and dropped my calls 3 times and when i would call back he would literally accuse me of hanging up the call, this person literally made notes on my account forbidden people to give me information and everyone i spoke with after this person was invasive and dismissive with me and worst yet the person closed my account and refused to explain to me what exactly happened.
They literally humiliated me to the point i broke down crying begging for someone to speak with me with a grain of understanding and willingness to tell me and explain me whatever was happening.
They told me they needed to just confirm a few things but in reality that XXXX office person who closed my account and made false reports and notes I literally had an account one day and was using my card less than 24 hours later they closed my account and humiliated me i never in my life felt so mistreated and humiliated. im literally crying writing those words because thats how small and insignificant they made me fell and how they treated me.
please i want to hear the calls and want to know what i did wrong to be humiliated the way they did to me
|
| 01/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I have already filed a complaint regarding a fraudulent account that was opened in my name at HSBC in XX/XX/XXXX. As detailed in my previous complaint, I made numerous attempts to contact someone at HSBC regarding this account but have yet to speak with anyone with knowledge of this incident. After I filed my complaint, HSBC provided a response acknowledging that the fraudulent account was opened, that they are investigating the matter, and that a freeze was placed on this account to prevent further activity. I responded that I was given insufficient information about how this happened and how HSBC intended to prevent this type of fraud from happening in the future. I have yet to hear from HSBC regarding my concerns or their alleged investigation. Yesterday I received another letter from HSBC indicating that the fraudulent account remains open and that further fraudulent activity occurred during the period XX/XX/XXXX, through XX/XX/XXXX. This indicates that the information that HSBC provided to me and to the Consumer Financial Protection Bureau is wrong and that no steps have been taken to stop this fraudulent activity. I have informed them that my personal information was stolen and that I did not open this account and I have filed a police report as well. HSBC is fully aware that this account was opened fraudulently and they knowingly have allowed the crime to continue.
|
| 08/04/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I would like to make a complaint for a security investment that I had with HSBC bank. I had this investment for a while and when I went to check on it in XXXX XXXX they advised that I did not have this particular investment. HSBC invested my monies with XXXX which was later transferred to XXXX XXXX, XXXX ( address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) which then was deposited in my HSBC account after maturity. I went to HSBC several times and they advised that they were unable to locate over {$100000.00} worth of my investment. The last time I followed up with this was in XXXX and the financial advisor showed me my investment on their system however when I went to check on it on XXXX XXXX to withdraw the monies the financial advisor told me that I did not have an investment. I have been investing with HSBC for 32 years and have multiple accounts with them however this was my biggest investment that I had for retirement. My financial advisor XXXX XXXX has not been able to locate the investments I had done in my early banking years with HSBC. The branches that I did these investments with are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX. I think fraud has been done to my account because these investments I had have vanished and I am getting no help from the financial advisors nor an explanation from other bank representatives.
|
| 08/10/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am an HSBC Advance Credit Card holder. Recently, my husband has experienced loss of work, so we have been late on our bills. I work for the XXXX so my husband of XXXX yrs and I are doing our best to make ends meet. I have been the owner of a single family home in XXXX, NY for 20 yrs and have never missed a house payment and never paid a late fee until recently ( only once in 20 yrs ). Unfortunately, during this stressful time, my other bills get paid a few weeks late or I set up future payments to different companies. I understand when an account is suspended, and typically return them to good standing as soon as I am able or by the next billing cycle. I am not in default on any loan or credit card. I have never filed a complaint with any agency in regards to any credit card issues before today. In the last several months, I have received on the average of 17-19 calls per week from HSBC. In the last 6 wks, I have paid them on 3 separate occasions which equals appx. {$500.00}. On XX/XX/XXXX, I paid them XXXX. The following day, I received 4 calls from HSBC. This is harassment. They call before XXXX and as late as XXXX and even before XXXX on Sunday mornings. I asked a representative to 'cease and decist ' from the constant onslaught of calls to my home. The calls continue. At present my phone has recorded 15 attempted calls from HSBC between XX/XX/XXXX and XX/XX/XXXX.
|
| 03/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
This complaint is to be directed to XXXX XXXX XXXX. On XX/XX/XXXX. I saw an online promotion with a Welcome Bonus of {$200.00} for New Depository Customers. This has lead me to start a Depository relationship with HSBC.
I went ahead and accepted the offer and open a Consumer Checking account with HSBC via the online link to their official website. I follow the instructions & verification as stated.
I completed all necessary requirement so I could qualify for the Bonus. After months waiting. Have yet to see any bonus offer applied to my account. I decided to call and inquire of the Status. I was told different answer and ask to wait till end of month for the bonus amount of {$200.00} to be credited. it has been 2 months and still no credit from HSBC. Yesterday, XX/XX/XXXX. I call again and i was told that I have had an a Checking act in the past. I am certain I have never use HSBC as my transaction bank. I do not Bank with them, Just a Credit Card. I asked that if they could provide me with the " account number/ type of account '' they were claiming to be mine. They were not able/refused to provide me with such info.
All I would like this to be resolved and for HSBC to honor the Terms & Conditions stated for the Welcome Bonus. This is misleading consumer to increase account with deposits. Very wrong.
Thank you for taking on & reading my complaint Best, XXXX XXXX
|
| 11/10/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I summarize my complaint below.
( 1 ) I found out a purchase dated XX/XX/XXXX that was not made by me. The amount is {$260.00}.
( 2 ) I notified the bank in writing of the dispute item on XX/XX/XXXX that was before the statement payment due day XX/XX/XXXX.
( 3 ) On XX/XX/XXXX, the bank sent me a dispute form which I completed and returned to the bank on XX/XX/XXXX.
( 4 ) The bank replied in writing on XX/XX/XXXX, crediting my account {$260.00} of the disputed amount. They said they forwarded the billing dispute to the merchant 's bank for their review.
( 5 ) I received a letter dated XX/XX/XXXX from the bank enclosing documentation from the merchant. The bank said they consider the charge is valid and placed the amount back on my account. From the merchant documents the purchase is online transaction which the merchandise was picked up in store in XXXX XXXX, New Jersey. The merchant did not provide the signature of the person who picked up the merchandise. I live in XXXX XXXX in California and did not visit XXXX XXXX on the date of purchase.
( 6 ) I paid the charge back {$260.00} on XX/XX/XXXX.
( 7 ) I called the bank 's billing dispute team on XX/XX/XXXX and pointed out the transaction is fraudulent and I did not place the online order and did not pick up the merchandise in XXXX XXXX store.The bank staff ignored my points and insisted the transaction is valid.
|
| 08/08/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Relocated to Ohio in XXXX with a job transfer. It was not a smooth transition and because of many circumstances out of our control, the move cost us XXXX and a lost home. The transfer was voluntary therefore, the company did not reimburse charges. In XXXX, we found that we were trying to recoup our monies lost and was contacted by a broker with HFC, what he explained to be a Home Equity Loan sound as though this is what we need. It would consolidate our debt into XXXX loan in the amount of {$20000.00}, and it would be paid off in XXXX years. I contacted HFC aka HSBC a couple years ago to inquire as to why the loan is going on XXXX years old and the balance is {$21000.00}. I was told that this was a credit card with a high interest rate which incurres interest monthly. Because of the job market in XXXX Ohio, I have been unemployeed ( layed off ) XXXX times since XXXX ; I allied for a hardship modification with HFC and was approved in XXXX XXXX. I am still getting late notices for the original montly amout and when I call in I am told they do not know why their system has not changed things nor why the total amount is not going down other that THIS IS A DAILY RATE INTEREST BEARING LOAN. How can we ever take care of this? I feel this was a deceptive practice from the first conception of this loan and I am sure we are not the only ones this has happened to. What can we do?
|
| 10/08/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have recently received a notice from HSBC Bank USA , NA, dated XXXX XXXX, 2016 that the servicing of my mortgage is transferred effective XXXX XXXX, 2016 to another mortgage services company ( XXXX ). The notice further states that no payments will be accepted after XXXX XXXX, 2016. My mortgage payment is currently auto deducted from my account with HSBC Bank USA , NA and this has been stopped.
However, I also received a monthly mortgage statement from HSBC Bank USA indicating that my mortgage payment is due effective XXXX XXXX, 2016 and that the payment should be mailed to HSBC at a XXXX XXXX XXXX XXXX.
My concerns are : 1 - The fact that HSBC has given only 15 days notice of the transfer of servicing, which is not sufficient time for consumers to be aware and make alternate payment arrangements.
2 - The fact that they have discontinued my automatic deduction ( which ordinarily is deducted around the XXXX of the month ) with less than 60 days notice for me to make alternate arrangements.
3 - The fact that HSBC has continued to bill me for a mortgage payment, which they have notified me that they have transferred, which they should no longer be able to do.
Simply stated if the bank is unable to make the necessary arrangements in 15 days and continues to bill consumers, then why are consumers expected to make alternate arrangements in the same period of time.
|
| 01/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I had a HSBC credit card which I never used and it was always in my posession. Someone made unauthorized charges. I reported them and have a letter from HSBC that they received the report on XX/XX/2019. They started investigating the matter for several months and opened a new credit card for me although I said I did not want any credit card from them and to close the account. On XX/XX/2019 I received a letter saying that the activity has been confirmed as unauthorized, but now I owe them {$230.00}. Upon talking to the fraud department several times they refuse to close the two accounts. Someone has made those remaining charges to the new account. I never received a new credit card, account number or authorized an opening of a new account. Everyone at HSBC says they have to investigate the matter and nothing gets done. The account is now delinquent and if I don't pay will affect my credit rating. I talked today with a person in the fraud department ( XXXX ) who said he needs three days to reflect upon the matter. I went to an HSBC retail bank today where they looked at the account and said that they have to make an investigation. HSBC should have promptly closed the account that had the unauthorized charges and refunded them to the account. They should have never opened an unauthorized second account. This has been going on for several months with no help from HSBC.
|
| 11/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
In XXXX of 2020 I received an advertisement in the mail from HSBC bank. The offer in the advertisement was that If I open the HSBC account online using the code provided in the mailer I would receive a {$700.00} bonus for opening the account. The bonus would come as a 2 % each back on my direct deposits for 12 months, Up to {$60.00} per month. I set up the account as per instructions and meet all the minimum requirements for this offer : Set-up required Qualifying direct deposits from a third party to my HSBC Premier checking account. In my case, this was direct deposits of my paycheck from my employer exceeding {$5000.00} per month. In the following months I never received the cash back. I have contacted the bank numerous time both via the telephone as well as in person in the branch. I have never been told that I dont qualify for the offer nor explained why it was never fulfilled. I wen to the branch on XXXX XXXX in XX/XX/XXXX XXXX as recently as Middle of XXXX of 2020 and was promised a follow up XXXX inquiry, but never did. The bank failed to fulfill their obligation to me or even provide and explanation as to why they wouldnt. Contacting the bank has produced no result whatsoever. Im left with very few options except to file this complaint and other complaint with government organizations that oversee the bank. Thank you for your assistance with this matter.
|
| 08/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I signed up for this card in XX/XX/2018 and have had problems with it since. They have charged me excess fees due to an error in their system with my autopay. When I opened the card, I signed up to have my minimum payment taken out of my checking account. I apparently entered my account number incorrectly on that first attempt and have called the bank multiple times to get it updated so that it can be paid timely and fully. The bank closed my account because it went 2 months delinquent without notifying me. I have called the bank no less than ten times asking them to update my autopay account because I can't do it now that my account is closed. They keep " paying '' the bill with the wrong checking account information and then charging me a returned check fee. I don't know what to do any more because I have made an honest attempt to pay off the balance, but they keep using known bad autopay information which continues to rack up fees. Additionally, I moved in the middle of the process and they refuse to update my mailing address so the notifications are going to my old address and are not making it to me to make a timely resolution. All of the statements that I have received have a note saying that no payment is necessary because I am set up on autopay, but then they use the wrong account. I can't keep dealing with the bank directly because I am getting nowhere.
|
| 10/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
https : //www.us.hsbc.com/content/dam/hsbc/us/docs/pdf/Advance-Checking-Account-Offer-HSBC-.pdf Open your new HSBC Advance checking account online by XX/XX/2018 and ; - I HAVE OPENED MY ACCOUNT ON XX/XX/2018 Deposit a minimum Qualifying Balance of {$10000.00} or more in New Money in combined checking and savings accounts within 30 calendar days of account opening ; and - I HAVE DEPOSITED ATLEAST {$10000.00} WITHIN THE 30 DAYS OF ACCOUNT OPENING AND THE MONEY IS STILL THERE UP UNTIL TODAY.
Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. - QUALIFYING BALANCE IS STILL ON THE ACCOUNT FOR MORE THAN 90 CALENDAR DAYS. WHICH IS NOW ATLEAST 8 MONTHS.
I HAVE ASKED OVER THE PHONE FOR THIS ISSUE BUT THEY COULDN'T GIVE ME AN EXACT ANSWER BESIDES THE WORD - DENIED BUT NO EXPLANATION ON WHY.
I HAVE SENT SECURED MESSAGES THROUGH THE ONLINE ACCOUNT BUT STILL NO LUCK. THIS IS THE LAST CONVERSATION AND THEY NEVER SENT ME ANY LETTER OR EXPLANATION - " Please be informed as per the investigation done by our Marketing and Campaign Team, your account is not qualified for the promotional offer. Base on your previous BankMail communication, your concern has been forwarded your request for the approval to Network Head through Area Manager. Once we receive an approval we will inform you via BankMail. "
|
| 02/24/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
HSBC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX Why is HSBC refusing to release a lien on a property to which THEY HAVE ALREADY TAXED THE HOMEOWNER ON THE LOSS??
On XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX we mailed a Lien Release Request to HSBC. See attached copy of Lien Release Request Cover Sheet. Also see attached Confirmation of Receipt from the US Postal Service showing delivery on XXXX/XXXX/XXXX.
On XXXX/XXXX/XXXX we were told that this file was being handled by the New York Lien Release Team and given their direct email address to email the docs that we had mailed previously. See attached copy of our email dated XXXX/XXXX/XXXX, the emailed attachments ( current Title Report, Recorded Assignment to HSBC Bank, a fax from HSBC Bank dated XXXX/XXXX/XXXX, and Authorization to speak with our company ), and the response from the Lien Release department indicating receipt of our email.
We have been calling multiple times per week since then. The reps can not tell us anything except it has not been sent to the county to be recorded. We have requested a response from the lien release team multiple times since this started. No one has ever once returned our phone calls.
Why is HSBC refusing to release a lien on a property to which THEY HAVE ALREADY TAXED THE HOMEOWNER ON THE LOSS - See attached Cancellation of Debt for the Tax Year XXXX.
|
| 11/02/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I currently have a 30 year decreasing interest rate loan with Beneficial a member of the HSBC Group. I have had this loan since XXXX XXXX, 2005. Under the terms of the loan, my interest rate will decrease by one quarter percent annually if all payments are made on time during the year, which has always been the case. This was done automatically until 3 years ago. For the past three years on my anniversary date the interest rate has not been decreased until I call and write letters to have the issue resolved. Since this has happened for three consecutive years, I feel Beneficial is behaving in a fraudulent manner, hoping I will not hold them to the terms of the mortgage thus receiving a higher than entitled interest rate. I can mail you any paperwork you may need to assist you, I am unable to download anything on the computer. As of this date I am still waiting for the interest deduction after numerous telephone calls and registered letter. Beneficial says they are working on the problem. However, I make my payments on line biweekly and when trying to use their website I am locked out supposedly because they are making updates. Thus I feel they are trying to make me miss a payment so I am in violation of my contract so I can not receive the interest deduction. Please assist me in this matter so I do not have to repeatedly go through this process. XXXX XXXX, 2015
|
| 07/08/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
First Wire Transfer Issue : {$58000.00} - Failed domestic transaction to XXXX / XXXX XXXX, " lost '' in HSBC 's system.
At the end of 2021, I was on a tight deadline to buy pre-ipo shares of a company I had just left ( XXXX ). I ended up doing an XXXX transfer from my XXXX XXXX XXXX account, but sensing that it might not make it in time, I initiated a wire transfer from my HSBC account. XXXX made it through and paid for the shares. The HSBC wire never made it and has been in limbo ( not returned to my account ).
Numerous calls with HSBC customer service have been dead ends. Responses range from " the money is on its way back '' to " it's the wire department 's issue '' ( who are notoriously hard to contact ) - to " contact the recipient. '' I recently spoke with the XXXX XXXX team, and their records indicate that only the wire from XXXX XXXX XXXX made it through to their end.
I will need this money soon and am reaching out in desperation and waiting, hoping it would eventually be returned to my account to no avail.
To complicate it further, HSBC has transferred my account to XXXX XXXX.
Second Wire Transfer Issue : Failed International Wire {$5700.00} Also at the end of 2021, I initiated an international transfer that got returned. Again, I asked HSBC to return the money to my account, but it remains, as far as I know, stuck in a wire transfer limbo.
|
| 11/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
I have rec 'd several calls from a company and they have contacted former family members to locate me. They told that member that I owed money to them. The company said that they are XXXX and they claim that the debt is from HSBC for a {$500.00} credit card that was never paid. When I refused to give them my social, they became belligerent and said they would take me to court. I told them that I pay my debts and if it truly is my debt I will pay but I must see proof, asked them to mail via the XXXX Mail. I have not rec 'd anything but they have called several times since. On XX/XX/2021, XXXX rec 'd a text referring to phone # XXXX, XXXX # XXXX. I called the number and spoke with XXXX XXXX. She repeated my birthdate and my social. She then told me they were suing me and I would be responsible for cost of over $ XXXX. When I repeated that I wanted proof she said they had mailed proof and then she said 'Good Luck in Court ' and hung up. I do not have a credit card with HSBC. I checked my credit report and there is no indication that I have had or have a retail card listed with HSBC. My credit is in good standing and I pay my bills. I have no reason to believe this is my debt other than the phone call.
There are so many scams out there that I don't know if this is a scam or not. If I owe the debt, I have no problem paying but I am not going to pay without proof.
|
| 03/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
HSBC Bank used to have a decent rewards program, which I used several times to redeem points for travel. Wanting to use it again, I called in XX/XX/XXXX, and was told that XXXX points would give me a {$400.00} credit. I had over XXXX reward points then, and purchased a ticket on XXXX XXXX. ( {$1100.00}, and seats for {$62.00} and {$64.00} ). On XXXX XXXX, I called to redeem XXXX points for an {$800.00} credit. A veritable horror story started then. I was told the rewards program changed at the start of XXXX, and I could not get my credit the same way ( there was one email telling us that it changed, but no indication that redemption ratios also changed ). I spent days calling, getting absolutely nowhere. Later, I emailed and emailed ... a nightmare. I got a final email on XXXX XXXX, telling me that I got some credit for the purchase, and leaving me with about XXXX points ( in the meantime, the seat price was refunded because the flight was cancelled and rescheduled ). I believe that HSBC owes me at least XXXX points still, because - as staff admitted - I should fall under the previous rules, since the purchase was in XXXX ( My initial interactions were with staff in XXXX, from what I gather, and their indifference/incompetence was hard to believe. ) Even with new rules, XXXX points equal at least {$100.00}. I emailed again, but got no response. Please help ...
|
| 10/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello I have a Credit Card Account with HSBC.
Current Balance as of XX/XX/2019 is {$3800.00} Minimum payment due date is the XXXX of every month.
Account has ALWAYS been in GOOD STATUS. Automatic payments are attached to the account.
Latest automatic payment was returned. In order to comply with due dates i made several payments within the 30 days period.
On XX/XX/2019 HSBC reported the account 31 Days Late to the Credit Bureaus despite payments made withing the 30 days period prior to reporting.
The issue appears to be the MINIMUM AMOUNT INCORRECTLY communicated by HSBC to me : Minimum Amount indicated to pay was XXXX . AMOUNT SPECIFICALLY REQUESTED BY HSBC, CAN BE CONFIRMED ON STATEMENT AS WELL Correct Amount was supposed to be XXXX $ - NOT REQUESTED SO - The 3 $ discrepancy incorrectly given by HSBC to me resulted on late reporting to the Bureaus.
Multiple recorded attempts were made specifically to avoid any late reporting, both by automated system and directly to costumer service.
NO LATE FEE WAS EVER GIVEN DUE TO THE FACT THAT THE ACCOUNT WAS NOT LATE AT ALL.
NO LATE FEE IS INDICATED AT ALL ON ALL STATEMENTS HSBC is responsible to remove the 30 DAY LATE reporting to the credit agency.
Documents, including confirmation of payments, statements and specific detailed payments made withing the 30 day period are attached.
Also credit report.
|
| 05/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I can not make transfers from my HSBC checking account to my accounts in other banks.
I called HSBC customer services XXXX times : 1. XXXX time, XX/XX/XXXX in the morning. After some verification the customer service representative told me that it was resolved and would be working 20-30 minutes after the call.
2. However, later XX/XX/XXXX in the afternoon I tried again and it still couldnt work. I called customer service again, which transferred me XXXX to a different department, and after a call for more than an hour ( and multiple times telling me wrong information that it already works ), they told me to call another department on XX/XX/XXXX within XXXX XXXX.
3. XX/XX/XXXX XXXX XXXX I called the new number as instructed, they told me that they have no access to my account at all and said the number is again wrong. They asked me to call customer service department ( the department I called from the beginning ) on the next business day.
The whole process makes it very obvious that HSBC either is not capable at all to provide normal checking account services, or keeps lying and kicking customers without actually trying to resolve the problem. Right now I have no control of my checking account and the only thing I got was being transferred back and forth between departments that claim they do not have access to help make my checking account working.
|
| 08/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
A person named XXXX XXXX contacted me ( on XX/XX/XXXX ) referencing old contact information and the last 4 digits of my SSN claiming I owed a balance on a debt with XXXX XXXX that I settled over 7 years ago with a 3rd party collector ( XXXX XXXX ). He said that although I paid a settlement amount, I still owed a balance ( an amount which couldn't be correct as I settled the debt ) and that the last payment I made was in XXXX which is also not true. I didn't make payments. I settled the debt in one sum in XX/XX/XXXX and I have bank records showing I made my settlement payment. This debt does not show on my credit but he threatened that he'd report it unless I paid him this alleged balance. He also fished for my current contact information, which I did not give as I did not want to invite further contact. I told him repeatedly that what he is claiming was not correct and that I'd paid the debt. Someone called again today from the same area code/prefix and this time the caller ID identified the business as XXXX XXXX XXXX ( XX/XX/XXXX ). They left a voicemail referencing a problem with my account and to call them immediately. I did not return their call. I researched XXXX XXXX and can see that XXXX XXXX works for them. Neither voicemail nor conversation provided any disclaimers identifying who they were or why they were entitled to collect on this alleged debt.
|
| 04/13/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
his is a request for intervention due to a wrongful foreclosure initiated on the first Tuesday of XXXX 2016 by HSBC Mortgage Services Inc. at the XXXX XXXX court house steps with said property XXXX Georgia XXXX. Previous to this wrongful foreclosure action on the subject property, I was assigned to XXXX XXXX, Housing Counselor with Home Safe Georgia to negotiate a loan modification or principal reduction with HSBC Mortgage Services , Inc. He requested the following information to complete the modification application : Profit and Loss Statement ; Recent 2 Months of Personal Bank Statements ; Tax Transcripts for Personal and Business for XXXX ; During this period, I truly believed that I was under HAMP review and HSBC Mortgage Services never sent me any denial notice for my HAMP prior to the wrongful foreclosure against the subject property. HSBC Mortgage Services Inc. failed to adhere to the Single Point of Contact policy in order to find out the time frame in evaluating a HAMP Loan Modification application. Moreover, I was assured by Home Safe Georgia that they have contacts at many of the banks in order to execute an amenable mortgage workout. I have attached Home Safe Georgia email communication to me for your review. HSBC violated CFPB rules against dual tracking, initiating foreclosure while negotiating a loan modification.
Sincerely, XXXX XXXX GA XXXX
|
| 12/02/2015 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We have lived in our home for over 10 years. We survived through the barrage of foreclosures in our neighborhood. 2yrs ago we applied for a modification loan with our lender HSBC. While we were going through the process, we had XXXX - XXXX different loan officers. It took forever for us to receive the modification packet. Once we received the paperwork, we immediately signed, had notarized, and mailed back in. About 6 months ago we were notified by our Bankruptcy attorney ( paying on a Chapter XXXX ), that HSBC submitted {$30000.00} in back payments, late fees, interest, and legal charges. When I contacted them, they stated that we were actually never approved for the initial modification loan. This was a new loan officer. I asked how we had been paying the modification amount for 2yrs, without any contact via phone or mail, as they had all of our current contact info. To this day he still has n't answered that question. Now they are offering us another modification loan, including the extra {$30000.00}, making our mortgage payment more than it was when we XXXX got our fixed rate. We 're being punished due to someone on their end dropping the ball on our XXXX modification loan. Our modification amount went from {$1000.00} to {$1600.00} a month. Our home is only worth {$160000.00}, but now we owe {$220000.00} after we have been paying mortgage for over 11yrs.
|
| 08/20/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened my account on XX/XX/XXXX based on a promotion that said I would get 2 % of my direct deposits in cash up to {$60.00} per month and {$720.00} total. I set-up direct deposits and deposited {$2500.00} 2 x per month into my new account. I have been doing this from Mid XXXX through to today. On XX/XX/XXXX, I went to their online chat to understand the timing of my rewards. I was told that I had not signed up for the {$720.00} reward ( even though I used the post card that offered that reward to sign up ) but I had in fact signed up for the {$470.00} reward which pays the {$470.00} at one time if direct deposits continue for 3 months. I continued to meet the criteria of making the direct deposits which on XX/XX/XXXX HSBC confirmed " I do see that you have met the requirements for this Bonus. However the funds have not been deposited yet, so I will raise a case with the Bonus support to check with them what is the issue and delay. '' Then it took until today XX/XX/XXXX for them to respond to that inquiry filed on XX/XX/XXXX at which point they claimed that " The account was not opened using the campaign page and hence it isn't eligible for the welcome deposit. '' even though it was both confirmed on XX/XX/XXXX that I had and on XX/XX/XXXX that I met the criteria. I would like the {$470.00} welcome bonus which I was told several times I was entitled to.
|
| 01/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
The issue arose from the confusion regarding the global entry statement credit of {$100.00}. HSBC Bank advertised that card holders " can redeem XXXX Cash Rewards to receive a {$100.00} statement credit to cover the [ Global Entry Application ] fee. '' I applied for Global Entry via Trusted Traveler Programs of Department of Homeland Security and paid {$100.00} with my HSBC credit card on XX/XX/2020. I called HSBC customer service regarding not receiving the cash rewards points of XXXX on XX/XX/2020 and they advised me that to redeem the global entry statement credit of {$100.00}, I need to have XXXX cash rewards points on my own. That means HSBC Bank will not provide the XXXX points to me. This is misleading advertisement because usually I can redeem cash rewards points for cash back to use as statement credit. XXXX points is equivalent to {$1.00}. It doesn't require this promotion to redeem rewards points as statement credit. The customer service team of HSBC Bank agreed that the statement is confusing and raised the concern to HSBC Bank. HSBC Bank responded that the statement is not legally wrong ; therefore, HSBC Bank is not liable for misunderstanding.
Due to this advertisement, I applied for global entry to take advantage of the benefit from my HSBC credit card. Now, I have to cover my own expense because of HSBC Bank 's misleading advertisement.
|
| 10/24/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was searching for a ticket on XXXX from XXXX to XXXX in XXXX XXXX and found a ticket and booked it using my HSBC credit card. The merchant ( XXXX ) advertised the ticket as single itinerary on XXXX, but they booked it as 2 separate itineraries. Breaking a itinerary into multiple itineraries is deception, and it creates multiple issues with baggage, connecting flights, and visa requirements in transit country. If 1st flight is delayed, then 2nd airline does n't give me a automatic seat on next flight.
The airline taking me from XXXX to XXXX could not see in their system that my trip was ending in XXXX not XXXX. And airline taking me from XXXX to XXXX could not see in system that my trip was starting in XXXX. Both the airlines in the itinerary told me that they could not see the other airline.
XXXX deceived and frauded me. XXXX refused to fix their mistake or to refund the money, so I filed dispute with HSBC credit card department within 5 hours of receiving this 'deceptive ' itinerary from XXXX. HSBC agent advised me to book another ticket while they work on the refund. So then I booked another itinerary using my XXXX credit card, and completed my travel. In XXXX XXXX, HSBC refused to remove charge or do chargeback saying merchant XXXX XXXX XXXX had won the dispute, and that I would have to sue XXXX in XXXX XXXX court directly to recover the funds.
|
| 10/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Someone is using my credit card & has spent over {$400.00} on it, all of the purchases occurring in California & Illinois. I am tempted to contact the FBI because I have attempted to inform the credit card company since XX/XX/2018 but can not get hold of anyone at the credit card company. No one ever answers the phone although I have waited on the line for as long as more than 15 min. The message is always the same : " We're sorry but we're experiencing unusual delays. Please hold as your call is very important to us. '' or " We're sorry but all our representatives are still assisting other callers. Please stay on the line as your call is very important to us. '' I did voice a complaint to two employees through the 'chat ' line of this credit card company but each time was told that they can not assist me, that I have to call their 'security ' number. I have tried to call the credit card company 's number on my statement ( XXXX ) and a number one of the 'chat ' fellows gave me ( XXXX ) but to no avail. Obviously this credit card company does not care about its customers or the fraud that is taking place. This is the THIRD TIME I have experienced fraud with this credit card company & each time they have sent me a new card but it does not seem to stop the problem. I think it's an inside job. Also, the music while waiting is so loud it upsets my hearing.
|
| 12/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I purchased a pre-order of {$2400.00} ofXX/XX/XXXX XXXX XX/XX/XXXX fromXX/XX/XXXX XX/XX/XXXX using my HSBC Credit Card.
The delivery date was to be XX/XX/XXXX. Between those two dates XX/XX/XXXX went out of business and stopped responding to my e-mails. I never received the goods I Initiated a dispute with my Credit Card holder, HSBC USA, on or about the middle of XX/XX/XXXX.
In mid-XX/XX/XXXX I moved and I immediately changed my address with HSBCXX/XX/XXXXon XX/XX/XXXX.
On XX/XX/XXXX HSBC sent me a letter to my previous address denying the chargeback, because the merchant had provided a record of the transaction. The letter gave me until XX/XX/XXXX to respond. The merchant did not provide proof of shipment.
Due to HSBC using a previous address I received the letter on XX/XX/XXXX at my new address.
I immediately called HSBC upon receipt of the letter, on the XXXX. HSBC said that the dispute department was not taking calls and that I needed to e-mail them. I e-mailed them and have heard nothing back. When I contacted them via twitter they stated they they respond to all e-mails within two business days. Today is the 4th business day.
HSBC is failing to respond to fairly basic dispute. The merchant is out of business and is unable to provide the goods ordered. HSBC is refusing to honor its agreement to process the chargeback.
|
| 02/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Hello CFPB I recently applied for a Premier Checking account with XXXX XXXX XXXX. The account was approved on XX/XX/XXXX. I then deposited XXXX dollars into the account and had no further activities since the account was approved. I found out yesterday that I can no longer access my account without any notice or explanation from HSBC.
I called customer service today on XX/XX/XXXX and was finally told that due to " rules of deposits '', HSBC has decided to close my account with no further explanation or possibility to resolve. I can not possibility imagine that depositing XXXX dollars into my HSBC account has violated any rules for deposit or wronged the XXXX XXXX. Note there is absolutely no requirement for minimum balance level, and my account was already properly approved. I had absolutely zero activities since my initial deposit of XXXX dollars.
Further, when I called customer service, the client relationship manager refused to have me talk a manager and informed me that HSBC is unlikely to do any business with me in the future! I mean I am now banned from opening any accounts with HSBC. If they don't want to do business with me, they don't have to approve my account in the first place.
If HSBC is so negligent and improper for dealing with US customers, I sincerely hope their Charter be reconsidered for this country.
Best, XXXX XXXX XXXX
|
| 11/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
l am not one to complain but in this case l feel l must.
HSBC breached my privacy by giving my sister all account balances and activity for myself and my parents.
When I learned of this I contacted the branch manager, XXXX XXXX. He sent me a letter of apology for what had happened ( see attached ) and admits to an unintentional oversight. Apparently her " buddy '' in the branch had no problem giving her whatever she asked to see.
This oversight caused a legal battle due to information that was given to my sister that she had no business knowing.
Although this happened in 2013, Litigation is still currently in the courts relating to this unthinkable act precipitated by the bank.
I always thought my confidentiality was between me and the bank and never to be compromised.
I recently contacted HSBC 's legal department ( see attached ) and was sent a two word answer. They did not want to hear it, help, and was totally disinterested.
When I questioned this response, lwas told to contact the two regulatory agencies with the complaint and they would then get it back and at that point they would have to re-examine.
Needless to say, this unintentional oversight has cost me great monitory hardship, not to mention the legal fees.
I am asking you to investigate this breach of privacy.
Thanking you in advance for your prompt attention to this matter.
|
| 03/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
XXXX XXXX a debt collection agency has been reporting inaccurate information to the XXXX major credit bureaus. Years ago I received phone calls harassing me to pay off a collection debt. I simply explained that I 'm not able to pay, due to rough times. I asked them to please stop calling me. They never stopped calling so i changed my number. During the harassing phone calls they threatened me that they will report inaccurate info to prolong the 7 year fall off, until paid. It has been 8 years already and i recently paid the collection. Unfortunately, due to the inaccurate information they reported of being a collection account opened at a false date, is prolonging deletion. The original credit account was closed out and handed over in XXXX.
XXXX XXXX is reporting, opened in XXXX. Simply to extend the 7 year mark.
I contact XXXX, which is the original creditor.
Being a very old charge off account, they do n't have record.
XXXX XXXX is basically reporting whatever they find damaging towards consumers. XXXX XXXX is n't reporting actual dates from time of original close out event.
Not only do they call and harass me back in XXXX. They literally made life difficult on getting approval of any loan. Its been 8 years and I still have them reporting inaccuracies to the credit bureaus. Despite paying them off, they still are a shady collection agency.
|
| 05/24/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XX/XX/XXXX - Several ACH transactions over a 2 weeks period took a significant amount of money ( XXXX ) over multiple transactions from my HSBC savings account. Although account is relatively dormant ( I keep this money aside ), zero alert ( s ) were tripped on the bank side to contact me about these what should have been " odd '' transactions XX/XX/XXXX - During a routine review of my bank statements I discovered these unknown transactions, and proceeded to contact the bank. An ACH fraud claim was filed at the time to get my money back.
Since XXXX XXXX - Called HSBC numerous times ( > 20 times ), spoke to various people at HSBC including customer services rep, ACH department, fraud department, relationship managers, etc. and spent over 40 hours on calls. In summary they kept saying that their ACH department has been trying to reach out to the counterparty to retrieve the money back but it has been non-responsive, or that they will try again, or that I should reach out. They provided recently in XX/XX/XXXX a phone number from the counterparty that they said I should call, however that is not even a valid or reachable number, the transaction trace is associated with a company with a company ID of " XXXX '' - which looks obviously like a fake company number. As of XX/XX/XXXX, HSBC still has not retrieved or returned my money to my bank account.
|
| 05/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX of XXXX I wrote a letter to XXXX XXXX services asking to validate a debt that started reporting on my credit report. I then received a letter dated XXXX / XXXX / XXXX that they reviewed the account and believe the activity on my account is correct. They did not submit any information to me regarding this debt besides an explanation of the debt in this letter. Please see attached all correspondence pertaining to this complaint. I then Wrote them another letter in response to their requests, which was received on XXXX / XXXX / XXXX from which they never responded. I then gave them 30 full days and pulled a copy of my credit report dated XXXX / XXXX / XXXX and noticed that they did not place the notice of dispute on my credit file which they violated federal law and fair credit reporting act section 623 ( a ) ( 3 ). I then w rote them another letter dated XXXX / XXXX / XXXX which is attached which was received on XXXX / XXXX / XXXX which they never responded to either. I have also noticed that this creditor has also broken FCRA Section 605 ( c ) as the y have been re-aging this account as a current charge off instead of when it supposedly occurred back in XXXX . This creditor has broken several FCRA laws and has violated my rights as a consumer and has caused pain and suffering with my issues of obtaining a home loan
|
| 03/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Today ( XX/XX/XXXX ) myself, as well as every person who has ever lived in my house ( 5 people, 4 of which no longer live here ) received a call from a hidden number from someone claiming to be XXXX with the XXXX Division stating they are in route to serve me with court documents requiring my signature. They reference a case number XXXX and a phone number XXXX to contact for questions or rescheduling. She continues to say that failure to respond will result in failure to appear in court. my entire family is concerned so I call the number only to find out from a XXXX XXXX that its a " lawfirm '' that are trying to recover XXXX plus for a debt that dates back to XXXX. He claimed the original creditor was HSBC, which is odd to me, since I have never had an account with HSBC. Without me telling him anything, he gave me my full legal name, my wife 's name, my address and the last 4 of my social. Then continued to inform me that they are taking me to court to put a lien against my home and to report it on my credit. SC has a statue of limitation on consumer debt of 3 years, and only allows up-to one year to file suit. So I feel like all of this is both illegal and immoral. They contacted my entire family! I don't owe any one anything, so this has got to be a scam, or debt collection at its worst. No one ever showed up to serve me papers by the way...
|
| 02/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2020, I have made a payment to my credit card by cash for the amount of XXXX USD. Before making this cash payment of XXXX USD, I was explicitly told by the HSBC branch employee that my payment will show as an available credit on the next business day ; however, this was not the case. Historically, there was a payment of XXXX USD that was returned to the original source per my request which triggered an account review of my credit card ; however, per my phone conversation with the HSBC employee, the restriction was placed on the XXXX USD amount which was made by cash because the funds may get reversed again. I explained to the HSBC employee that, per my understanding, a cash payment can not be reversed but HSBC insisted that I must wait 10 business days even though the payment was made in-branch by cash. Attached is a receipt confirming the payment was made by cash. This payment was made by cash as I really would like to use HSBC 's 0 % APR promotion to transfer my balances over ; however, I am already over the 60 days period for this promotion and now because of this restriction the promotion period has ended and I am unable to transfer my balances using this promotion. I was planning on transferring my balances ; on XX/XX/XXXX, a day after I made the cash payment ; however, I was unable to do so because my account has been restricted.
|
| 11/28/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
According to information presented at XXXX the XXXX HSBC Settlement agreement addresses HSBC 's alleged misconduct regarding its mortgage servicing and foreclosure practices.
As outlined by the Consent Order ( XXXX ) we have not received any information about our specific HSBC loan in which multiple illegitimate foreclosure attempts by HSBC were made, trial and temp modification were fraudulent and deceptive, and gross neglect of law was commonplace with HSBC and their representatives. We defended XXXX XXXX XXXX XXXX erroneous foreclosure attempts alone on this account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, and each XXXX of them was full of fraudulent and abusive actions. The latter foreclosure attempt was also abandoned by HSBC for over six ( 6 ) years.
I do n't really know where to begin with informing you and others about the elongated problems with our specific mortgage mess. I can only share our information so you can get a clearer picture of the atrocities my wife, family, and I have endured as a customer of HSBC from XXXX, XXXX through to XXXX, XXXX. I can provide further evidence or information upon request.
When we reached out to both the XXXX HSBC Settlement staff ( by phone ) and the Office XXXX ( by email ) earlier this month, they both informed me that they can not help us. They are simply enforcing information they have.
|
| 11/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I GIVE BELOW THE FOLLOWING INFORMATION FOR MY ONLINE TRANSACTION EFFECTED BY ME VIA MY HSBC CARD ON XXXX XX/XX/2019.
MERCHANT NAME - XXXX ... GBP XXXX ( XX/XX/2019 ) - XXXX .. GBP XXXX ( XX/XX/2019 ) ORDER NO. XXXX - XXXX XXXX MAILING ADDRESS - XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX NAME AND ADDRESS OF MERCHANT - XXXX XXXX XXXX ] XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TELEPHONE NO : : XXXX XXXX PLEASE NOTE THE THE ABOVE TRANSACTION WAS EFFECTED BY AN ONLINE TRANSACTION VIA MY HSBC CARD AND THE ABOVE AMOUNT WERE CREDITED TO MY ACCOUNT. THE TRANSACTION WAS FOR SOME MEDICATION. UPTO TO NOW I HAVE NOT RECEIVED THE SAID ITEM AND WHEN COMMUNICATED WITH THEM I WAS TOLD THAT THEY DONT SHIP THESE ITEMS TO XXXX XXXX. SO I THEN REQUESTED FOR MY REFUND FOR WHICH THEY CONFIRMED MY E-MAIL ON XXXX XXXX THAT GBP XXXX WILL BE CREDITED TO MY ACCOUNT BUT IT WAS ONLY THE POSTAGE COST OF GBP XXXX AND GBP XXXX WAS CREDITED TO MY ACCOUNT. PROOF OF THEIR CORRESPONDENCE CONFIRMING THE REFUND VIA EMAIL IS AVAILABLE WITH ME SHOULD YOU REQUIRE SAME.
HOWEVER, I HAVE MADE NUMEROUS TELEPHONE CALLS AND SENT NUMEROUS EMAILS REQUESTING THE REFUND OF MY MONIES BUT UPTO NOW I HAVE NOT RECEIVED THE GOODS NOR HAVE I RECEIVED THE REFUND.
WOULD APPRECIATE IF YOU COULD KINDLY LOOK INTO THIS MATTER AND GIVE ME A FAVOURABLE RESPONSE WITH REGARD TO MY REFUND.
THANK YOU
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| 11/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Problem when making payments
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Web |
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XX/XX/XXXX - I made a payment of {$1500.00} being payment due for XXXX and XX/XX/XXXX on the HSBC 's website.
XX/XX/XXXX - I was contacted on phone by a customer service from the bank asking for payment to be made on the same loan account. I confirmed that I had already made payment online a few days back. The customer service representative asked that I can make over the phone since the earlier payment I made had not posted to my account. I confirmed with the representative that my earlier payment will be cancelled if I make a payment over the phone, to which the representation confirmed that the earlier payment will be canceled. I requested the earlier payment be canceled and made another payment of {$1500.00} over the phone.
In XX/XX/XXXX, I noticed that both payments were taken from my XXXX accounts. I called back HSBC to complain and have them refund me. I was told a refund was not possible, so I agreed that the over-payment be applied to the payments due for XXXX and XX/XX/XXXX. HSBC did not do as agreed and resulted in my monthly payment due to double. Future payments became impossible as I could not make part payment. I made several calls to resolve this issue and they have tickets open as far back as XX/XX/XXXX. HSBC has not resolved the issues but rather has sent my account to debt collection, impacting my credit score negatively.
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| 08/18/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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I received a letter ( dated XXXX/XXXX/2015 ) from HSBC Bank USA , NA that asked me to verify my current address and acknowledgement of my HSBC deposit account. I filled out the form, had it notarized, and mailed out the form on XXXX/XXXX/2015 to the address provided. However, two weeks later, HSBC claimed that they still have not received the form and that they have no knowledge about the status of the matter because they engaged a XXXX-party company to conduct the process.
As a consumer, the only contact information that was provided to me was the XXXX customer service number of HSBC. I have no contact info about XXXX, the XXXX-party company that HSBC engaged, and HSBC refused to provide any further contact info. I have tried XXXX times and spent hours of my time talking to a number of HSBC associates, none of which, however, was able to provide any meaningful direction or assistance regarding this matter. I feel completed lost during the process, as the answers/responses provided by the HSBC associates are inconsistent and even contradictory.
This is a time sensitive matter. According to HSBC, I have less than 30 days to respond ; otherwise the fund would be considered " abandoned ''. However, HSBC is not taking the appropriate steps to handle the case in a timely manner, and is not providing a cooperative way to work with the consumer.
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| 07/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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1 - XX/XX/2020 Received phone call from XXXX XXXX XXXX, Representative, XXXX XXXX.
2- Claimed that they had sent a letter out previously concerning a credit card debt with HSBC in the amount of {$2500.00} 3- Insisted that I either pay now or make arrangements to pay or I would be reported as " Refuses to Pay ''.
4 - I informed XXXX XXXX that I have received no written correspondence concerning her claim and that there is nothing on the credit report from HSBC.
5- She then sent me an email and we agreed for her to call back XX/XX/2020 6 - I printed the email and mailed a letter to XXXX XXXX XXXX and HSBC asking for verification of the claim.
7 - XX/XX/2020 XXXX MST. XXXX XXXX Called back a day earlier than scheduled.
8- I informed her that I had sent a letter asking for verification of the claim.
9 - She insisted that the emailed letter was verification. That is a Lie - No copy of a billing statement was included with the email.
10 - She also stated that a previous letter was sent by mail over 45 days ago. I asked if it was sent by certified mail. She said that " Yes, it was ''. I asked for the certification and tracking numbers. She said the she didn't have it. Because it was sent by someone else.
11 - I said that I'm not refusing to pay. There are many scams. I just need verification.
She stated " See you in Court '' and hung up.
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| 01/10/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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|
Web |
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On XX/XX/XXXX I filed a fraud claim with HSBC XXXX XXXX for unauthorized charges on my debit card for some international charges from a merchant named XXXX in the amount of {$1900.00}. I spoke with the fraud department on XX/XX/XXXX and was told I would be issued a provisional credit within XXXX to XXXX hours. Days later I contacted the fraud department again and I was told that the credit was canceled and that they had reached out to the merchant and I had to wait until the merchant responded which can take up to 45 days. I asked why had the credit been canceled and agent could not give me an answer. Since then I have called several times to speak with a supervisor from the fraud department and I continue to get the same answer, which there is not one available and that I would get a call back from a supervisor. I have never received a call back! I have XXXX payments declined, and I have had to now switch direct deposit to another bank because this inconvenience. I was finally able to get in contact with an supervisor from the fraud department today, XX/XX/XXXX. The supervisors name was XXXX, and he told me that the credit was never issued on XX/XX/XXXX and that I had to wait for the merchant to respond. That is completely untrue because I have spoken to several agents which all showed in the notes that the credit was issued then pulled.
|
| 01/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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I received a call from XXXX XXXX from XXXX XXXX XXXX who said he was calling on behalf of HSBC who I dont even know. He didnt know what the balance or debit was for and couldnt tell except that he needed to get a payment of no less that {$600.00} somewhat dollars on the phone. After explaining to him repeatedly I didnt know what the debit was and I didnt have the money to pay and that I was with XXXX XXXX XXXX he said NO something needs to be done now even after I offered to pay {$100.00} as good faith payment he said we will go forward with further collection attempts and it may be legal and it doesnt matter that I am trying to resolve this debit because it wont stop them from moving forward legally.
At the end of the phone call a woman that I havent spoken to in over a decade calls me saying that XXXX XXXX XXXX was calling her regarding me and giving out my personal information, my social security number NO LESS etc to a woman I have not been in contact with for over a decade!!! Unbelievable!!! And they attempted to contact my employer!!
I understand there are people that make debit and choose to ignore it but for us people who try hard to do right but illness, XXXX XXXX, treatments take over WE CAN NOT HELP IT!
I will not be harassed or be humiliated by these people spreading my personal business around. Inappropriate and ILLEGAL
|
| 10/16/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
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|
Web |
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I 'm attempting to refinance my mortgage to pay off my first mortgage with XXXX XXXX and a Home Equity Loan with HSBC that I 've had for more than nine years. My broker has submitted XXXX different requests via fax to HSBC for pay-off, verification of mortgage and transaction history, starting on XXXX XXXX, 2015, and as of XXXX XXXX, 2015, we have not received the necessary documentation from HSBC for the underwriter to approve the loan. HSBC has not been responsive to me or my broker with the request for information about my loan with them. After more than one month of trying to get this information, I just talked XXXX XXXX XXXX/XXXX/2015 at XXXX XXXX XXXX at HSBC and she is telling me they are still researching. Her answer to my question of how long does it usually take to respond to these type of requests. " She said it normally took 30 days and it was pointed out that it had been more than 30 days. We have urged that this a time sensitive issue as we had planned a closing on the new loan within a month of the application, but it 's been more than a month since the original request for information went into HSBC and still getting the same answer that I received on my previous call to HSBC on XXXX/XXXX/15. The time frame indicated by the HSBC representative today and how long it has taken to respond to consumer 's needs is unacceptable.
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| 01/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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|
Web |
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XX/XX/XXXX I had XXXX XXXX XXXX call me and told me they had approved me for a loan. I did research and thought this man that called was an honest and true lender. I gave them my account and routing numbers well this man somehow figured out my mobile banking information and decides to mobile deposit a fraudulent check into my account for XXXX. He made the check to me XXXX XXXX, but signed the back of the check with a different last name that I have never had. HSBC then proceeds to lock my cards and my accounts both checking and savings and are still locked today. I for the last month have heard that they were closing my account and sending me a check. Because I work for the state of GA we only are paid on the XXXX and Last working day of the month that was two checks in the bank they are holding hostage. I could not buy my kids XXXX, my daughters XXXX gifts, cant pay bills, and had two cars taken from me because I had no money to pay for them. I have screen shots where I have chatted with the bank and them saying i would have my check in 2-3 days and yet nothing. I have spoke with customer relations reps but they refuse to close my account. I need that money desperately. I am a single mom and I am behind on everything now. Im having a XXXX XXXX XXXXXXXX in XXXX different days XX/XX/XXXX and XXXX so I will be out of work. Please help me.
|
| 06/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
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XXXX , XXXX Opened XX/XX/2013 {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. Balance {$390.00} Highest Balance {$390.00} Opened XX/XX/2013 ( 4 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX Company sold my account to XXXX XXXX. Prior to this happening I received a form that informed me I had to report the credit as income. I did. This happened prior to the account being sold to XXXX XXXX. It has been reported to XXXX and XXXX and it should have not. Primarily it should have not been sold. Why? Please have them explain what law allows them to do so. I am not a lawyer or aware of any laws. Furthermore they have not provided any information that includes why I received a form that indicates I have to report the form as income and what law allows them to do so. It came from HSBC. I believe. Please assist me the company has not responded and has not provided confirmation on how they are allowed to sell the account to XXXX XXXX at the moment I reported the balance as income. This is double dipping. Are there any accounting laws that prevent such infraction. I believe there is. Please enforce law. Please advise me of all possible routes to gather compensation for emotional distress.
|
| 06/30/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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On XX/XX/XXXX, I received information XXXX XXXX, via XXXX XXXX XXXX , XXXX is attempting to fraudulently assign mortgages XXXX, XXXX and XXXX to XXXX XXXX and XXXX XXXX XXXX, Mortgage-Backed Notes Series XXXX. This assignment was electronically recorded by XXXX to the XXXX County Clerk in New York State on XX/XX/XXXX. How is it possible to assign a mortgage from two deceased persons? XXXX XXXX XXXX, my father, died on XX/XX/XXXX. XXXX XXXX XXXX, my mother, died on XX/XX/XXXX. My father 's estate is currently being probated and remains open, and is dated XXXX XXXX ( XXXX # XXXX ). Neither XXXX XX/XX/XXXX nor XXXX XXXX XXXX , XXXX has made a sufficient claim ; even after my numerous requests as the estate 's executor. Secondly, XXXX XX/XX/XXXX and XXXX XXXX , XXXX is attempting to foreclose on property in which they do not have a security interest in. On XXXX XXXX, HSBC ( Beneficial Mortgage ) stated they sold the loan to XXXX XX/XX/XXXXXXXX Effective XX/XX/XXXX, yet has failed to provide any proof of endorsement or assignment. I am seeking a cease and desist on all assignments and formally requesting a copy of all submitted assignments any any endorsements associated with this transaction. I will be providing a copy of this request to the New York State Attorney General as well as XXXX XXXX XXXX, Surrogate Acting Supreme Court Justice.
|
| 04/09/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
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I signed up for a bank account with HSBC for a {$350.00} welcome bonus in XX/XX/2016. The promotion required that I use HSBC 's bill pay service twice a month for three consecutive months and maintain a minimum balance of {$1500.00} throughout. Upon completion of these terms, the bonus was to be deposited " 4-8 weeks '' after.
I completed two bill pays each in XXXX, XXXX, and XXXX. At most, 8 weeks later should have been at the end of XXXX. By XXXX, no bonus had appeared. I have called on a weekly basis since early XXXX and each time a customer service representative assures me they are " opening an investigation with the back office. '' I have supossedly now opened 5 of these investigations but not a single customer service representative has contacted me with a resolution. Furthermore, each time I call for an update, no record exists of any previous contact and I am read the same script each time. I have asked to speak to supervisors and the back office directly but I am refused each time. Essentially HSBC is giving me the run around with no way to escalate or speak with anyone in a position of authority.
I have documentation outlining the promotion and proof of having used the bill pay service. Furthermore, I recorded a secure chat conversation with HSBC where the representative confirmed I had met the conditions for the bonus.
|
| 12/16/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am addressing to you this email after many trials I did to resolve this issue with HSBC Bank. I communicated with them through all channels : by emails, I reached the client service by chat several times ( XXXX ), I called them also by phone.I asked recently to talk to a supervisor. The agent notified that the supervisor will call you back ( XX/XX/XXXX- the day after of my call ) at XXXX XXXX, but unfortunately this didnt happen.
I am not able to use my money from the US HSBC Account. I tried the wired transfer, it didnt work also I tried the global transfer I am getting the same error since more 2 weeks ago ( e.g., there will be 2 working days before you can perform your transfer ) and the same error is always there till the time i am writing this complaint I reached also the financial advisors assigned to my profile and who worked to create these accounts, unfortunately no feedback and no support.
Please note I am paying interests on late debts as well as lost many investment opportunities because I am not able to use my own money under the HSBC US accounts.
I need to investigate this issue, and all parties that are responsible of all this late and unprofessional services must be accountatble and the bank have to recompensate me in times, efforts and money i spent to resolve my problem over all their communication channels.
|
| 08/21/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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On XX/XX/2019 I received a message to call a certain number about a court summons to collect a debt. I called and got transferred to XXXX. He stated that they have been sending me the summons through the mail and as to why I haven't responded. I stated that I have not received anything. I asked him to tell what the documents said and resend them. He said he couldn't send them again. He told me the amount that was owed and he can try to give me a payment plan. I didn't have my account information so I would call tomorrow. I called again on XX/XX/2019. Spoke with XXXX again and I told him I wanted more information on the debt and the original creditor. I asked him if he was a lawyer/ law firm or if they were a collection agency. He said he was a paralegal. Last night I went home and looked up the FTC. SO I told him that. That's when he got very stand offish with me. He said he was under the impression that I wanted to do the payment plan. I told him I just want more information on the original creditor. He raised his voice and said well now our office is hesitant to do business with you since it sounds like you are hesitant to do business with us. We will continue the legal proceedings so good luck with that. He then just hung up on me. I called back and I got transferred to him but he did not pick up and sent me straight to voicemail.
|
| 03/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
During the year 2017 I went to XXXX XXXX to purchase a bed, and wanted to use my XXXX XXXX card to pay for it. The limit on the card was {$700.00}, and I requested them to raise the limit to {$2500.00} so that I could pay for the bed. They rejected my request, saying that there was an outstanding debt reflected on my credit report. I knew nothing of any debt and immediatelt went to the credit bureau to see what this could be. I was horrified to find that on XX/XX/2017 a company, XXXX XXXX XXXX, supposedly acting on behalf of HSBC Bank, Nevada, had lodged a debt owing of {$460.00}. I have never heard of either company, and requests to them to have this removed have gone unanswered, and my complaint to the credit bureau was negatively responded to, and they told me to contact you.
Because I do not have any credit cards or other debts other than my home and car, I haven't worried too much about it, but I just had my car refinanced by my bank and they mentioned this to me again, and penalised me because it was still unpaid by adding 2 % onto the interest rate that they would have charged me had it not been there.
I have copies of the correspondence sent to both XXXX and XXXX XXXX should you wish to see them, and I would be grateful if you could advise me what further steps I can take to get this debt removed from the credit bureaus.
|
| 06/22/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I took out a Home Equity Line of Credit with HSBC in the amount of {$33000.00} on XXXX/XXXX/XXXX. I made payments as agreed and in about XXXX began making extra principal payments monthly. The loan was paid off XXXX/XXXX/XXXX. Over 11 years, the principal was only reduced by {$7300.00} despite the fixed interest rate of 8.55 %. In many months where extra monies were sent, that was the only amount deducted from the principal -- the rest was applied to interest. Many errors were made in charging fees not applicable to my loan ( Line Maintenance Fees ) ; in XXXX XXXX, the balance owing was raised by {$740.00} after a payment was made ; payment amounts were n't always applied correctly ; late fees were sometimes charged even though most payments were made early. Calls and/ or letters were n't responded to properly and supervisors would n't return calls.
From what I can determine from the last 4 years of statements that I have, a minimum of {$1700.00} was charged to me in error. Additionally, the final payoff figure showed I was charged {$870.00} in interest and I 'm not sure why that would happen. I paid the amount they said I owed just to be able to get rid of the loan since it was apparent it was never going to be paid off no matter how much I sent in extra payments, nor was anyone at HSBC going to address my complaints or concerns.
|
| 11/10/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
IN XX/XX/XXXX I TOOK OUT A LOAN WITH HOUSEHOLD FIN FOR XXXX AND MY PAYMENTS WERE XXXX ON THE XXXX OF THE MONTH ON A FIXED RATE, AT SOME POINT THEY GAVE THE LOAN TO XXXX, I CONT. TO PAY IN XX/XX/XXXX THEY SOLD THE LOAN TO BENAFINICAL AND MY HUSBAND DIED IN XX/XX/XXXX WHICH I CONT TO PAY WHEN I NOTIFY ALL PARTIES INVOLVED THEY SAID THAT MY NAME WAS NOT ON THE LOAN IN WHICH I DID SIGN SO I CONT TO PAY AND THEN THEY RAISED THE LOAN TO XXXX TOLD THEM IT WAS A FIXED RATE SAID NOT THERE PROBLEM PROVE IT AND I JUST CONT TO PAY XX/XX/XXXX THEY TRIED TO RAISE MY LOAN AGAIN TOLD THEM I COULD NOT AFFORD THIS AND THIS LOAN SHOULD BE PAID OFF BY NOW I MADE A PAYMENT IN XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX AND THEN THEY STARTED SENDING ME MY PAYMENTS BACK SAYING THEY ARE GOING TO FORECLOSE ON MY HOUSE TOLD THEM THAT I HAVE PAID THEM OVER XXXX HOW DO I STILL OWE OVER XXXX, THEY SAID THAT THEY CANT TALK TO ME I HIRED A ATTORNEY AND GAVE HIM POWER OF ATTORNEY AND THEY WONT TALK TO HIM, I FEEL AS THOUGH THEY ARE RIPPING ME OFF I NEVER MISSED A PAYMENT EVEN WHEN I DI MY CHAPTER XXXX I CONT TO PAY THEM .. ALL I WANT IS MY PAYMENT HISTORY BECAUSE THEY ARE SAYING THEY WILL SETTLE FOR XXXX I THINK THAT IS A BIT MUCH ON A XXXX XXXX LOAN I AM XXXX YRS OLD AND XXXX I CANT FIGHT THIS ANYMORE AND EVEN THOUGH MY HOUSE IS MY MAIN CONCERN CAN YO U PLEASE HELP ME
|
| 03/16/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Discharge of Third Deed of Trust with XXXX XXXX XXXX. In violation of California Code, Civil Code - CIV 2941 ( c ) and ( d ). ( c ) For the purposes of this section, the phrases cause to be recorded and cause it to be recorded include, but are not limited to, sending by certified mail with the United States Postal Service or by an independent courier service using its tracking service that provides documentation of receipt and delivery, including the signature of the recipient, the full reconveyance or certificate of discharge in a recordable form, together with payment for all required fees, in an envelope addressed to the county recorder 's office of the county in which the deed of trust or mortgage is recorded. Within two business days from the day of receipt, if received in recordable form together with all required fees, the county recorder shall stamp and record the full reconveyance or certificate of discharge. Compliance with this subdivision shall entitle the trustee to the benefit of the presumption found in Section 641 of the Evidence Code. ( d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person the sum of XXXX XXXX dollars ( {$500.00} ).
|
| 02/21/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My client has requested mortgage assistance from PHH Mortgage Services to allow for them to short sell their property. The property has been vacant for more than 10 months and the owners have an offer for the purchase. Due to the property condition the price is less than neighboring properties. PHH declined the sale offer because the offer did n't meet the net requirement for the investor but upon further discussion the negotiator for PHH mixed up the lien position of the short sale investor ( 1st trust getting full payoff ). She thought she was handling a 1st lien short sale so the rules she was applying were incorrect. Even after admitting her mistake she still has n't straightened on the issue. She claimed to send to the investor for approval 21 days ago and keeps stating the review is n't complete. Not only is the investor losing money, but my clients are still paying insurance on the property 9 months after vacating ( they ca n't afford to pay ), and the neighborhood is being affected by the dilapidated property sitting vacant. This has been going on with PHH since last XXXX and they have the same person working on the file that messed it up last XXXX. They either need to replace her on the case and escalate it to management for completion or intervene in the process to make sure the investor is actually deciioning the file
|
| 03/09/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
A company has been withdrawing money from my checking account. I am not familiar with this company and called them asking them to stop withdrawing money from my account. They agreed to stop, but they continued doing so. I notified the bank ( HSBC Bank ) and had to fill out some forms with them under perjury of law. The problem continued and I went back to the bank and complained again and was asked to fill out the same forms that I fill out the first time. each time this company took money out of my checking account I was charged " with overdraft '' protection, since little to no money was in my checking account. The bank continued to let this company take money out of my checking account and charge my with " over draft '' protection. The bank now, present day ( XXXX XXXX 2016 ), claims to have sent me my new debit/atm card. I can not take money out of my checking account without my atm card. The bank claims that they sent me a new atm card, but I have not received it. I called the bank and they said that they will send me another card, which I still have not received. I do receive from the bank notices and statements, but still no debit/atm card. I filed a complaint with the post office in case the problem is there and now I filing a complaint with the bureau of Consumer Financial Protection. I would like this problem resolved.
|
| 11/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
This is a more important matter than what it may seem because I have excellent credit and have never had a 'past 30 ' or a late pay of any sort in 25 years. HSBC 's inability to correct their mistake has lowered my credit score significantly. I have tried since XX/XX/2018 to get HSCB to correct this simple error. I have tried by phone, online chat, email and a written dispute with HSBC directly. I have filed this dispute with all major bureaus. My last attempts were between XX/XX/XXXX - XX/XX/XXXX. I opened their credit card In XXXX and closed it within 5 mos. because HSBC 's online autopay system was unable to process payments. A person has about a 30 % chance of reaching HSBC, hearing a human voice, being routed in less than 3 attempts to the right department, not being disconnected, being given correct advice, or having their issue resolved. HSBC is well aware of the above issues. Out of 387 complaints recorded within a 7-month period of time from XX/XX/2018 -- XX/XX/2018 approximately 80 % were related to the above. I want HSBC to remove the negative mark on my credit ASAP because they were unable to collect my payment automatically from my bank account. I would also like HSBC to directly apologize to me and the 10s of thousands or millions (? ) of other consumers affected by their inexcusable lack of service and concern
|
| 02/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2021, I made a bill payment through HSBC 's online banking platform to pay my credit card with XXXX for my full statement balance of {$780.00}. As noted on HSBC 's website, they have a " {$0.00} Liability, Online Guarantee '' which states that " HSBC will bear the responsibility for any late payment related charges should an online bill payment arrive after its due date as long as you scheduled the transaction within five business days of the payment due date. " : XXXX XXXX XXXX I selected the soonest available date on the bill pay calendar, which was XX/XX/2021. The due date for my XXXX credit card was XX/XX/2021. The payment did not arrive to XXXX until XX/XX/2021. Because the payment arrived late, I was charged a {$29.00} late payment fee and {$25.00} interest charges by XXXX. I don't carry a balance on my XXXX card over to the following month, so I wouldn't have had interest charges incur if the bill pay would've made the payment on time, as promised. I called HSBC 's customer service on XX/XX/2021 to inform them about the fees. The reference number for my HSBC case is XXXX. It has been over 3 weeks and HSBC refuses to refund me {$54.00} ( {$29.00} late fee plus {$25.00} in interest charges ). HSBC claims the payment did arrive to XXXX on time but they can not provide a tracking number to confirm this claim.
|
| 07/03/2015 |
Yes |
|
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|
Web |
|
|
i have received a phone call from a company called XXXX- they are located in California- the woman who i spoke with was XXXX -- she stated the call was for an old HSBC credit card. the card was around XXXX her attorney fees were XXXX -- they are going to file judgement agaisnt me in the state of CA, put a lien on my vehicle, and garnish 25 % of my wages. i was very concerned and asked a lot of questions i dont remember having the card- she said was from XXXX when i asked for more information she got upset and hung up on me. i called again today to get more information she said creditors can garnish wages if i dont pay my bills -- she mentioned other debts that i had and said i dont pay my bills -- she said i was wasting her time. when i called back again to get more information on the " garnishment '' she said they were going to do what they have to and she was not going to deal with me. she hung up on me more several times after i just tried to get a mailing address and more information about her and the company she was calling from. i think they may have blocked my number after a few attempts. i asked to speak to supervisor they either hung up on me or transferred me to a voicemail. when i called back to get the name of the supervisor they just transferred me back to a voicemail which doesnt have a name just an extension.
|
| 01/04/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I 've tried to buy tickets online on XXXX XXXX and all transactions came out as declined. When I checked my bank account I realized that XXXX transactions were actually authorized and XXXX dollars were missing from my account. I immediately called the bank to get the transactions reversed, once they were never authorized. Any regular bank would have blocked the second transaction since they were duplicates ( same website, same amount and made with less of a 5 minute interval. ). The bank informed me that they could n't do anything, that those were valid transactions, even though I told them I had the screen shots of the declined transactions. I was advised to call the merchant, who informed me that all the holds were immediately released since there was a mismatch on the address. I called the bank customer service who informed me to do not worry that in 24 hours XXXX XXXX XXXX XXXX the money would 've been credited back to my account. Today, XXXX XXXX the money has n't been credited back to my account and I was informed by the agent that it might still take 1 to 2 business days to have my money back for those declined transactions. I 've asked to speak to a manager or someone who could solve my problem faster, since all the money I had is being hold by the bank but they informed me that nothing could be done on my case.
|
| 02/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
There was a {$750.00} promotion to open a new HSBC Premier checking account if you funded {$100000.00} in new money.
Prior to XX/XX/2019 I have never had an HSBC account. I opened the checking account in mid XX/XX/2019. After applying for the checking account I applied for a HSBC savings account. Once the checking account was approved I transferred in two amounts of {$1000.00} on XX/XX/XXXX and {$100000.00} ( XX/XX/XXXX ) to complete the requirements. Once the money was transferred into my checking account I then transferred it over to my HSBC savings. I have maintained those balances since those initial dates. Please see the attached screen shots for the transfers.
The terms of the promotion state : " Deposit a minimum qualifying balance of {$100000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening '' " Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance '' To confirm that the promotion was satisfied I called in on XX/XX/2019. Upon calling in I was informed that my checking account was closed in error. However I was also informed that I was not eligible for the bonus and was not given a reason why. Since the checking account was closed I do not have record to the account number anymore.
|
| 09/24/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Previously I submitted a complaint to CFPB in early XXXX.
In response, HSBC released my statements that HSBC did not allow me to examine when HSBC closed my accounts without warning in XXXX.
At one time, I had around {$200000.00} with the bank.
The HSBCs response also reads : If you have any questions, please call me ( XXXX XXXX XXXX Customer Relations Manager ) at XXXX. Im available Monday through Friday, XXXX XXXX ET. Alternatively, you can reach me by email at XXXX.
Despite my repeated calls and emails, to date, Ms. XXXX XXXX XXXX has failed to reply and explain the missing {$1500.00}.
Releasing my statements nearly two years later has not resolved the problem of the missing {$1500.00}.
Rather, this can be considered as a grand theft now.
For nearly two years, HSBC had failed to send me the balance checks after closing my accounts.
HSBC also denied my access to my accounts prior to closing my accounts.
As I have I indicated to Ms. XXXX XXXX XXXX, the missing {$1500.00} is related to my credit card reward redemptions and the Regulation XXXX claims.
The ATM machine outside the XXXX, CA branch had serious issues before it was finally replaced.
Please review the Regulation E claims at that branch, and Ms. XXXX XXXX XXXX will find a surplus ( at least several XXXX dollars, probably around a XXXX ).
|
| 11/08/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened an account, set for auto renewal in XXXX at the HSBC at XXXX XXXX XXXX in XXXX. It renewed several times without error. The last auto renew was set for maturity on XX/XX/XXXX. The interest was never added AND the account never auto renewed. I never received notice of this maturity and the {$5000.00} sat in my online banking.
On XX/XX/XXXX I logged into my banking and noticed the CD was closed and the money was gone. On a phone call that day, HSBC said they had cut a check and mailed me a notice as to why the account was closed ( these were went XXXX ). As an act of good will, I was told the check was cancelled and the {$5000.00} ( without the two terms of my 0.075 % interest in two 6 month auto renewed CDS ) would be deposited on XX/XX/XXXX into my savings account.
By XX/XX/XXXX, the money hadnt arrived. Now customer service is refusing to give me details on where the money is and if I will get it back. The bank never notified me in writing, phone call or email about : -- any maturity to the account after XX/XX/XXXX -- why the account was closed -- why the CD did not auto renew -- where the funds would be relocated ( via check or deposit ) I am currently without answers and no one from a branch or customer service will give me an answer as to what happened to my funds and if I will be getting them back.
|
| 06/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I received an offer in the mail from HSBC in XX/XX/2019 for a credit card offer with a promotion for zero interest rate on purchases and balance transfer for 18months.
I went on-line and applied for the 18 month promotion.
I have done this in the past with other cards and use the no interest period often for a balance transfer and pay it off. I am also a XXXX XXXX XXXX for 20 years I am aware of terms.
I received the card along with the offer letter dated XX/XX/2019. Please see attached letter. Again it clearly states 0 % for 18 months.
I received a letter dated XX/XX/XXXX. See attached. I called the number on when I read it around XX/XX/XXXX and got the run around put on hold for 25 minutes. ect really a nightmare. Finally spoke to a manger named XXXX he admitted that they had meetings about this false Advertising and was instructed to ignore any calls and about this issue that most folks would get frustrated and stop calling. But he would expiate the issues and call me back on Friday the XX/XX/XXXX. he did call me back and gave me the run around again per upper management. Keep in mind all this comes out of the XXXX call center you can not speak with any on in authority in the USA.
I called again today XX/XX/XXXX again with no results.
This is bait and switch Advertising and illegal in all US states.
|
| 08/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I obtained a loan from HSBC in XXXX. I asked XXXX because of concerns about fraud prevalent at the time ) and HSBC rep told me that the loan is a government back loan and pointed to " XXXX XXXX '' in the Note he had me sign. Years later when I tried to modify my loan using the XXXX program I was told that the loan was not government back. That was a major setback for me with significant financial damage. I then tried loan modification with HSBC. After a year of run around, constantly asking for updated documents, misplacing documents, making arithmetic mistakes, underwriter mistake, etc., I was offered a slightly modified loan. I have had some questions about the new loan but HSBC has steadfastly refused to answer my questions, and instead send irrelevant letters, form letters, and conflicting notices. I filed a complaint to CFPB hoping that HSBC would act more responsibly and address my questions. It has not. The Letter it sent CFPB is devoid of any relevant information ; it answered none of my questions, and instead issued an ultimatum. I am writing to ask CFPB once again to induce HSBC to provide answers to the legitimate questions I have, and open an investigation of this and similar cases noting that HSBC has had a history of activities and consumer abuse for which it has been heavily fined by the regulators.
|
| 07/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
Contacted my employer and asked for the payroll department. Told payroll my name and that I was being sued and needed personal information. Gave them the number to a supposed attorney. They were vague, rude and kept bringing up the point that i was being sued. I have no knowledge of this lawsuit and have received nothing by mail. The call was forwarded to me and the caller was speaking very fast stating I am attempting to serve you papers and you have 2 hours to call the attorneys office of XXXX XXXX XXXX so you do n't miss your court date. He gave me the number then hung up. Very confused I called the number provided and the recipient identified himself as an attorney stating I was being served papers and being sued for moneys owed to HSBC. I received nothing by mail and was confused to the debt so I inquired to send me literature on this for vetting. He kept bringing up that the debt is valid but we could settle for an immediate payment. Hesitant I said not now as I 'm suspicious and he gave me another number tho the " owner '' of the debt. I spoke with her and again she was rude, in a hurry and said her company does this all the time and does n't want to waste her time talking this out and will gladly just garnish my wages, intercept my tax return or levy my property unless i agree to payment terms immediately.
|
| 04/29/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
After XXXX I had financial troubles because i lost some of my income. I contacted all my lenders at the time, and none would help me because I was current. After some of my payments faltered the lenders started calling me to collect. I had troubles making payments until XXXX or so with HSBC Mortgage Services. The agreed upon a payment plan to bring the loan current around XXXX XXXX. The begun debiting my account directly around the same time for an agreed amount of XXXX or so per month. They never explained to me that the XXXX per month would never bring the account out of the rears and they did not explain to me either that they did not make a loan modification. After i noticed that my debt was not coming down, I contacted HSBC again to see why this was happening. The informed me that the amount was not enough to cover and pay the amounts in the rears. So I accepted to increment the monthly amount to XXXX per month.
The Loan should have come to current in XXXX XXXX but HSBC did not apply the payments correctly. So in XXXX XXXX I had to call to get the payments applied correctly. After they corrected the payments, they stopped reporting credit to the bureaus and all through out the period of time where they were drafting money from my bank account per the arrangement, they were reporting that I was paying Late.
|
| 04/26/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The original debt was to hsbc I settled the debt on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have a letter from them that debt is paid in full acct # XXXX and have spoken with them and they say they own the debt I settled I have had several phone call from several debt collectors about this same debt but recently I received a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the same debt I gave them a call and told them that I had already paid debt and sent proof and I did get a letter from them dated XX/XX/XXXX that my dispute has been acknowledge and then I got an elert on my credit report that a company had put a collection on my account for the same debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I think we have no protection from debt collectors the XXXX company XXXX at least sent me a letter telling me about the debt but the other company XXXX XXXX XXXX I never received a letter from them the credit bureau just let them do what they want to do as long as they pay for their service as far as the company I paid the debt I think they are responsible for not reporting properly or selling the debt after it was paid I really need some help I have paid all my debt odd but this one wo n't go away so do what the government suppose to do and protect it citizens thank you
|
| 03/26/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
My daughters and other family members have been getting repeated recorded calls on their cell phone and home phones.
Recorded calls say there is a civil matter with my name and SSN attached to it. They do not leave a valid number to call back on.
When my husband got the XXXX call he was able to get someone on the phone and got a valid number for me to call back on.
I called that number on XXXX/XXXX/15 about XXXX times and left about XXXX messages for a call back. No one called me back.
I finally got to speak to a live person on Thursday XXXX/XXXX/15, name is XXXX XXXX or XXXX, threatened that they will be serving me papers for an old credit card debt and also that someone had already called in and claimed to be me so they will be filing fraud charges against the phone number they have on recorded for that supposedly call. They did not want me to speak my side and would not give me the account number that they have and kept putting me on hold so he could speak to his supervisor and the XXXX time he did that he disconnected the call. Advised that I was being recorded and he asked me to confirm my name / last digits of SSN, bdate and age.
XXXX call came in at XXXX XXXX my time on my phone ( XXXX/XXXX/15 ) My number as well as my daughters / husbands/ mom numbers are registered on the National Do Not Call list.
|
| 12/11/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/XXXX, I got a phone call from HSBC fraud department asked me about two wire transfers. I told them immediately that I never made any transfer, neither did my spouse. And the HSBC staff on the phone told me he was able to hold both transfers successfully. He also needed to verify my identity. I was very careful with this kind of phone calls and online questions. So I went to the local HSBC branch ( XXXX NJ ) immediately. I told the manager what happened and showed her the number of the phone call I just received. She verified the number is HSBC fraud department and closed all my accounts ( checking, saving, credit card and debit card ) and also reopened new ones.
Then it turned out that the two transfers : one didnt get through, the other one was cleared and withdrew by the recipient.
It took the HSBC 25days to refund me the transfer ( amount {$60000.00} ) that didnt get through. Then I was told that the other transfer ( $ XXXX+ $ XXXXfee ) was still under investigation. I called customer service and went the local branch several times and asked for an estimated timeline. But nobody can give me one. I searched online and found out I should also report this to the local police department, which the HSBC staff never mentioned to me. ( I reported it to the police department around the end of XX/XX/XXXX )
|
| 07/28/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I and my husband each opened a 6-9 month CD on XXXX XXXX, 2017at an HSBC branch bank located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX as part of a promotion. We also opened a checking account and applied for charge cards. Everything went as it was expected to. We presented the teller with our check and received the appropriate paper work for each of the XXXX CD 's, the checking account was opened and the information for the charge cards processed. The checks were cashed. A couple of days later, we were told the bank was closing our accounts and would be mailing back checks in the amounts we deposited. The bank teller ( XXXX XXXX ) read an email which made no sense and would not elaborate on it. Her manager ( XXXX XXXX ) gave no further information but said that the bank had a right to close an account and they did not have to give a reason. My husband called the customer service number, spoke with someone named XXXX who refused to give him any information including any identifying information such as a tag number to further identify her. As we both were DEPOSITING money, have good credit to the best of our knowledge and have never had a problem depositing money or opening accounts, I believe I should be given an explanation. If it is fraud or some other reason, I would like to know it so it will not occur again.
|
| 10/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I had to reach out thru the CFPB to have any contact from HSBC in the first place back in XXXX.
Now, here we are, XXXX, XXXX XXXX, my case handler, did NOT handle my case. She emailed me to get the CFPB claim closed, but the email address and phone number are both COMPLETELY bogus.
HSBC had NO issues having their collections department contacting me. I tried their " general '' phone number, guess what, since there is a card they opened incorrectly under my social security number, I can't verify so it hangs up on me. AGAIN, I can NOT make a payment. I have no way to speak to anyone. Chat tells me I have to call. I can not login on the website, and my " point of contact '' was fictional.
Dear XXXX, I received your concerns shared with the CFPB. I was disappointed to read about your experience. Im sorry for your difficulty.
I will be your point of contact on this matter. As soon as I have an update or resolution, I will notify you immediately.
Please contact me directly if you have any questions in the meantime.
Best, XXXX XXXX XXXX Manager, Executive Office | HBUS Customer Relations XXXX XXXX XXXX - XXXX XXXX, NY XXXX ____________________________________________ Phone XXXX XXXX XXXX Fax XXXX XXXX ____________________________________________ All XXXX. She never replied to any emails I sent after this.
|
| 05/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
Older American |
|
When I came back from my mission field on XXXX , XXXX , somebody from XXXX XXXX XXXX called me to insist pay off the balance of unknown credit card. I came to know that a wrong person stole my personal information and made at least XXXX credit cards under my name and spent a lot of money. I did not know until that time. I have never received any bank 's statements of the fraudulent credit cards. I asked a credit agency, XXXX , to send me my credit card records, then, I found somebody stole my ID and made cards from at least XXXX more banks. I wrote each bank to dispute the credit and finally, HSBC and XXXX did not solve the problem. Particularly, XXXX XXXX XXXX continue to send emails to insist pay off even though I sent my clarifications of the transactions of the fraudulent cards. At the beginning of disputing on XXXX , the bank sent me statements of several months, of which card 's ending is XXXX . I do n't know this card. I never received the card nor bank statements. I send them that the card was not mine. But the bank send me another numbers two times and transferred the balance of the fraudulent card , XXXX XXXX . They did not intend to correct the statement. They reported to credit agencies a very starance credit card number under my name. I do n't know how to do it.
|
| 02/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened an account with HSBC on XXXX XXXX I moved all my payments to go into that account I had a payment that was due to go into the account on XX/XX/XXXX for XXXX and XXXX both payments have not gone into the account as the imitations team have put a hold or block on the account I have been to the branch 3 times and provided XXXX XXXX statement and proof of adress they have on there system currently I have phoned on multiple occasions also as I need the money to pay rent ( now overdue and bills also over due ) and for food my partner is XXXX and so is my daughter who are both vulnerable the bank have encashed the payment and told me to wait 3-4 weeks for the check and then the money would be credited to the account how ever I asked for the payment to be bounced back to sender so I can be paid a different way which they refused and want to hold onto the money for 3-4 weeks which is illegal. I had a 20 payment from a family member sent to the account but that bounced back as no money can be credited or debited to the account at this current time due to the hold how ever they did not return the money in question and think they can hold onto it leaving me without any food for me and my young family and no money to live or pay bills and rent they dont care and people in branch also didnt seem to care either.
|
| 01/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
In XX/XX/2019, I applied for and was approved for the HSBC Gold Mastercard. I was sent and received the card, but HSBC closed it in XX/XX/2019, because they stated they tried contacting me, to confirm I opened the account. I spoke with the fraud security team, because they were the ones who closed my account. They sent me an e-mail, asking me to reply back with a picture of my license, for verification to reopen my account. I e-mailed a picture of my license immediately. I called again and they said they were reopening my account and sending out a new credit card. I never received it. I consistently kept calling and getting the same response. " We sent a message to the onshore team, they are responsible for sending out another card ''. I even spoke with XXXX in the HSBC XXXX branch, in XX/XX/2019. She called HSBC offshore team herself and they said they mailed a new card to me back in XXXX. She called again and got an e-mail in mid XXXX. The Onshore team stated they are sending in the new card via XXXX XXXX. I never received it. I am now back to calling every day with fake promises of call backs from managers, or hearing " We sent a message to the onshore team, they are responsible for sending out another card and we haven't heard anything from the team ''. I call almost every day and get these responses.
|
| 11/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
HSBC to provide CFPB and me with copies of papers where I cancelled the said ACH authorization. I want this paper only, and I do not want HSBC to submit to CFPB a lot of irrelevant documents ( which it always does ) to confuse the staff and obfuscate the case.
If there is no such paper, HSBC must submit a letter of apology, compensate me for the pain and suffering it has inflicted on me for almost a year, and for ruining my credit.
Separately, I request that CFPB review my complaints, confirm that HSBC bluntly violates the letter and the spirit of the Consent Decree it signed with the government ( below ), and ( AA-EC-11-14 ) where HSBC was ordered to and HSBC accepted to : 1- An Action Plan, for " effective mortgage servicing ... compliance, quality control, audit, training, staffing, and related functions .... '' 2- '' Develop and implement an adequate infrastructure to support existing and/or future Loss Mitigation ... and ensure compliance with the Order '' 3- '' Develop organizational structure, managerial resources, and staffing to support existing and/or future Loss Mitigation ... '' 4- '' Agree to deadlines to review loan modification documentation, make loan modification decisions, and provide responses to borrowers and report HSBC to the proper regulatory authority for further investigation.
|
| 03/03/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have been trying for several years to access my HSBC account. First, I tried to withdraw my money from an ATM, only to learn that my ATM card did not work. I went inside and was told I could only be assisted over the phone because I had opened my account online. Once I called, I was told that my account was locked because I had not accessed it. I asked for it to be unlocked and was told that I would have to submit a letter with photo ID. I sent this in but never heard back and, to be honest, forgot about the account. Then, in XXXX of this year, I received a form that my account was in dormancy status and would be turned over to abandoned property if I did not complete the form, have it notarized and return it. I did this step and mailed it on XXXX XXXX. Today, after receiving an email from the bank that my statement was available, I tried to login, but can not do so. I called and spoke to XXXX ( employee ID XXXX ) who verified all of my information and then told me that my account was still in dormancy status and that there was no record of the form I had returned. He further said that there was nothing that he could do other than send me another copy of the form I had already completed and returned. I know that my balance in this account is {$310.00} and all that I am trying to do is retrieve my money.
|
| 11/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX my wife received a call from XXXX XXXX XXXX advising that they were in the processes of bringing legal action against me for a debt from XXXX. They claim that the original creditor was HSBC and I owed {$650.00}. They also claim that the last payment made on this account was XX/XX/XXXX for {$200.00}, however I do not even recall applying for a credit card from HSBC. My wife asked them to provide a court filing # so that we can research and the representative told her that the litigation was pending. We have received calls from this company in the past and they had threated to sue me in court for said debt. My wife asked them to provide a copy of the payment history that they claim exists, however the representative stated she didn't have one in their records. I am frustrated with all the threatening phone calls. My wife requested more information be emailed to her and I attached the document they sent to her in this complaint. The address they have for me is over 10 years old so I have never received any correspondence from them. I wrote up a Debt Validation Letter that I am mailing out to their company today as well. I attached a copy of that for your records. The company name is XXXX XXXX XXXX ( Website - XXXX XXXX XXXX XXXX XXXX ) - Address : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX
|
| 11/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Following fraudulent activity on my HSBC Premier Mastercard, HSBC has recovered the amount from XXXX ( from which the fraudulent charges originated ), but has applied late fees, penalties and interest. Following a phone call with customer service, HSBC has confirmed they would credit them back and that the balance would be purged back to XXXX. However, days later a notice of late payment was sent to my home urging me to pay back the amount outstanding. Not only is this fraud, but following this I tried to call customer service again and have been unable to reach any other department than the collections department and any messages I have sent through my online account have been automatically replied to urging me to contact the collections department. The collections department 's bullying tactic involves questioning to obtain as much information as possible, refusing initially to transfer me to the fraud department, and once transferred I was first dropped to the main standard again, which reminds you of the balance outstanding and only gives you the option of making a payment. After calling the collections department again, I asked to be immediately transferred to the fraud department, and was put on hold for an hour while I had just been transferred within a minute hold and dropped 10 minutes earlier.
|
| 12/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Open an account on XX/XX/XXXX after seeing advertisement of {$350.00} bonus when opening an checking account an depositing {$10000.00} within 30 days and keeping it in a linked account for 3 months. By XX/XX/XXXX, I have deposited {$10000.00} into the account. I transferred {$10000.00} into my linked savings as allowed by the terms of the offer. It has been nearly half a year and I have not received the promised {$350.00} offer. I have made 3 attempts to resolve this with HSBC, calling in mid XXXX, late XXXX, and XX/XX/XXXX. On the first call, the representative said their system for checking past offers was down and asked me to call back another day. I then called on the week of the XXXX and was told by the representative that they filled a case and I would be contacted by mail within 7 business days. He was unable to provide me with any confirmation number that the case was filed. After calling on XXXX, I discovered representative # 2 did not actually file a case and they would do so today. He then said I would have to wait 5 business days for a response. After trying to resolve this with HSBC for nearly a month and discovering I would have to wait another week, I decided I needed to find another way to resolve this situation ; thus I am filing a complaint with the Consumer Finance Protection Bureau.
|
| 01/20/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I applied for a loan with HSBC Bank. The bank began processing the loan on XXXX XXXX, XXXX. In XXXX, an appraisal was conducted and because I was requesting a coop refinance, the coop questionnaire was completed by the coop in XXXX which delineates all the circumstances of the coop. XXXX XXXX I was issued a commitment. However, XXXX XXXX, XXXX HSBC rescinded the commitment stating the loan was declined because of the coop flip taxes. My complaint with the bank is the length of time it took the mortgage to process, almost 5 ( five ) months. But more importantly, the bank had the information in XXXX XXXX regarding the coop flip taxes as well as other essential information regarding the coop. If HSBC felt the coop did not qualify for the loan. I SHOULD HAVE BEEN DECLIENED IN XXXX OF XXXX not 3 months after the COMMITMENT was issued!!!! In that time the interest rates have increased as well as I could have went to another bank that would have accepted my coop flip taxes. I feel HSBC was egregious and grossly negligent in the time it took to process the mortgage, and I am angry that a commitment was issued and HSBC will not honor it!!! HSBC did not handle my loan professionally and I feel HSBC is a large bank and they do not care about the average consumer. I hope there is some recourse federally. Thank you
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| 07/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
|
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I am writing today because I was direct to your agency after contacting the NY XXXX XXXX XXXX XXXX. HSBC mortgage has been playing games with us for years and years. since moving from the XXXX area, we can not get any information on our loan, about fees imposed, how much equity we have in our home, and any basic question like why is the amount owed different from one month to another, we are put on hold, disconnected, told we do n't have the right department or referred to a supervisor who says they need to speak with another office, after all this we Never receive a call back or answer to that question. we know over time we have paid numerous FEES which we didn t know what they were, why they were assessed or the cost of these fees. we need help someone intervene on out behalf .... we know we have been robbed over the years and put under a unnecessary amount of pressure and fear for losing out home by representatives ... we often receive letters that tell us to pay one amount to find the letter " was incorrect '' and we should have paid another amount, never to be given an explanation as to why the error was made and then we are given more fees because of this we are EVEN unsure about what type of loan we have we do have YEARS or documentation so we did n't kno where to start as far as uploading them
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| 05/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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I continually receive a phone call stating that " this is XXXX XXXX and I need to discuss your file. I need to talk to you before I submit your case to the county processor. It is important that I talk to you immediately regarding the file I have received. '' Then the calls started to some friends of mine and the same message was being left on their answering machine and they asked me why they would be calling their house? I don't even know their home phone number.
So I call and talk to XXXX XXXX and he informs me its in regard to a credit card that was opened in 2009 and that the balance is over {$3000.00} so how am I going to take care of that today, I relay to him that I have been homeless and am unable to settle that amount and the phone calls need to stop this is an official cease and desist! His remark was " well if your homeless I'm sure you didn't go to law school so you don't know what your talking about. How are you going to settle this debt. '' Furious I just stated " i'm not! '' I was so mad at his comment that is the only thing I could say. " He said " if your refusing to pay then let it be on your head '' and hung up the phone.
Circumstances exist that place all types of people in homeless situations. Degrading my living situation is not an acceptable way of trying to collect a debt.
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| 07/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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I opened a checking account with HSBC on XX/XX/XXXX using a link that was supposed to trigger a bonus offer of 3 % cash back on qualifying deposits for the first 6 months ( a maximum of {$700.00} ). The bonus offer required account opening by XX/XX/XXXX. I submitted my application on XX/XX/XXXX and received a confirmation of my application on that day. But I received confirmation of account opening on XX/XX/XXXX. As I was concerned that I would not be enrolled for the bonus, I confirmed with an HSBC agent that I would be enrolled and I was told that I would be. Relying on that conversation, I proceeded to use the account and make deposits according to the terms. However, since then I have not received any of the cash back. It has been much longer than the 8 weeks the bonus terms say to wait for deposit. A chat agent on XX/XX/XXXX confirmed that I had made the required deposits and said they would put in a complaint about the bonus I had not received. I also called and used the HSBC secure message feature to inquire. I was eventually told that my account was not enrolled in the bonus confirmation, despite my initial confirmation. I believe I am entitled to the maximum {$700.00} bonus, but I have received {$0.00}. The bonus code is XXXX. Please let me know if I can provide any additional information.
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| 08/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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HSBC Bank Nevada, N.A. is now on their third collection agency attempting to collect a debt that is not mine. I first received received a letter from XXXX XXXX XXXX XXXX in XXXX regarding this debt. I have no idea what this is. I responded in writing ( copy attached ) asking for the debt to be validated and received no response. I didn't hear anything more about it until I received a similar letter in XXXX from XXXX XXXX XXXX , XXXX. attempting to collect the same debt that was never validated. I sent them a letter too ( copy attached ) requesting validation of this debt with no response. Now I've received a third letter from XXXX XXXX XXXX ( attached ) about this same debt that these companies have now failed to validate twice. I am not asking them a third time. This is getting to the point of being harassment. Every time I ask them to validate this debt I receive no response. It feels like they just keep passing it from collection agency to collection agency and I'm tired of it. This is not my debt, I will not pay it, and I am not legally obligated to pay a debt that isn't mine, especially after they've ignored my written communications for over two years. I have also attached copies of the certified mail receipts as proof that I did in fact send these letters requesting validation of this debt.
|
| 11/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
Older American, Servicemember |
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XXXX XXXX XXXX is trying to pull a fast one on me. They are well aware that we are under a " Federal Bankruptcy Order '', and they keep attempting to make us pay. We moved from the Home at XXXX XXXX XXXX, XXXX, GA XXXX, in XXXX 2017, and notified Beneficial. They initial agreed to do " A Deed In-Lieu of Foreclosure '', with us, and Ordered an Appraisal, which the value of the home was more than what was owed on the home, as it was at the time of the Appraisal in Excellent shape, I took pictures as well as the Appraiser that Beneficial sent out to do the Appraisal, and they are time dated.
Beneficial lied about a " Lien '' being on the Home, which was Avoided/Dismissed in the Federal Bankruptcy Order, signed by Judge XXXX. I had the attorney ( XXXX XXXX ) that handled the Bankruptcy Proceedings sent a copy of the Bankruptcy Order to Beneficial, after Beneficial refused to accept my Copy. Then Beneficial sent the Mortgage to a Collections Agency, and now they ( Beneficial ) has given/transferred the Mortgage to XXXX XXXX XXXX XXXX XXXX, out of XXXX XXXX XXXX, Utah. I called XXXX XXXX and XXXX XXXX XXXX ( Fax : XXXX XXXX ), said that he was not aware of the Bankruptcy Stay Order. Beneficial is just plain wrong. It needs to be fixed. They doing this to me cause I am XXXX and a Donald Trump Supporter
|
| 05/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
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I received an alert on my XXXX report on XXXX XXXX XXXX that there 's a change on my credit report. I log on my report to find an account from green tree servicing l a count # XXXX showing a debt of XXXX that I owe. They do n't have the original creditor reported on the report. From the date it show this was opened XXXX XXXX bought an expired debt that is well over the statue of limitations from hsbc. They knew this when they purchased this debt which is why they did n't notify me to dispute this before they reported it to my credit report. XXXX are know for illegal actions such as this XXXX. I have enclosed a copy of an XXXX report dated XXXX XXXX XXXX that shows the original creditor hsbc/household finance Corp account # XXXX ... the debt shows the account was opened XXXX XXXX balance and the date this was removed from my report XXXX XXXX. This was written off XXXX XXXX and has been past due months before it was written off which is why this is no longer on my credit report. I also in closed a copy of my current report with XXXX servicing on my XXXX as of XXXX XXXX XXXX with this expired debt. The date opened is the same XXXX of XXXX. This debt is expired and should not be on my report. Hsbc has been deleted from all XXXX credit bureau since XXXX of XXXX. XXXX have purchased and expired debt.
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| 12/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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At the end of XXXX, I decided to move forward with my mortgage refinancing. HSBC advised on the phone that closing costs would be around USDXXXX. On XX/XX/XXXX I received a letter from HSBC estimating the closing costs to USDXXXX.
Ahead of the closing process, I had told HSBC that I will be on vacation a week before the closing date. Closing occured in Mon XX/XX/XXXX and I received the closing costs details on Friday XX/XX/XXXX from HSBC lawyers. The process was hectic but realised that closing costs had jumped by almost USDXXXX which is not a small amount of money.
I took a closer look at the closing costs and noted an increase in USDXXXX in origination costs and additional fees that were not mentioned in the estimation dated XX/XX/XXXX such as : Title - XXXX XXXX to XXXX XXXX XXXX XXXX {$60.00} Title - XXXX Fee to XXXX {$55.00} Payoff Attorney to XXXX XXXX XXXX XXXX & {$650.00} I called HSBC and a person explained to me that the originator fee had increased because of the higher XXXX ( market value had decreased ). I had not been made aware of that and the HSBC agent who was in touch with me did not bring this to my attention which is disappointing.
The HSBC agent was on vacation during closing week, which I just discovered when sending her an email to get explanation on Closing Date.
|
| 07/15/2015 |
Yes |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
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I received a voicemail saying that they had " received documents with a complaint attached, '' and left an account number and a phone number. The voicemail instructed me to call to find out " the nature of the complaint. '' I called and was immediately confronted by a very rude man, he claimed that he was a process server ant that I was being sued in my county of residence. He had actual information about a real debt, my current address, and he read me my social security number. When he identified the debt, I immediately knew he was lying because the debt was from XX/XX/XXXX. The statute of limitations had clearly expired. When I questioned him he immediately cursed at me and hung up the phone. I called the number back repeatedly, but I was hung up on multiple times when I inquired as to the name, address, and nature of the business. They told me that they were a " firm, '' process servers, mediators, and arbitrators. Eventually, the number I had simple routed my phone to a full voice mail box. I was unable to obtain any information about the company. They claimed to be " XXXX XXXX XXXX, '' but a XXXX search revealed no company doing business under that name. They called from a number in XXXX, WA ( XXXX ) XXXX, and left the number ( XXXX ) XXXX. I recorded a number of conversations with them.
|
| 11/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
his letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
|
| 11/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a HSBC Advance Checking Account and a couple of Savings accounts based on their {$350.00} bonus requirements on XX/XX/2019.
I DEPOSITED FROM XXXX XXXX {$10000.00} on XX/XX/2019 and maintained that amount and more for over 90 days.
After inquiring about the missing bonus, on XX/XX/2019, I was sent a message by HSBC Digital Contact Center that I did not meet the {$350.00} bonus requirements because my accounts did not maintain a {$10000.00} within 30 days since XX/XX/2019.
The Advance Checking Account has a $ XXXX monthly fee, this fee is waived if you maintain linked combined balances of at least {$10000.00} or at least {$5000.00} with a recurring direct deposit from a third party to an HSBC advance checking account at least once per monthly cycle.
If that was the case, why was I not charged a fee due to not having at least {$10000.00} in my accounts?
It is because I meet the following ...
Advance Checking Account {$350.00} bonus requirements : Open new HSBC Advance checking account by XX/XX/2019 Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance
|
| 01/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
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I opened an HSBC checking account on XX/XX/2019. On XX/XX/XXXX, I received an email from what I thought was the Fraud Prevention team from HSBC, requesting I call them because they needed more information to process my request to open an account. I called them at the number provided in the email and provided them with my social security number, which they asked for the verify it is me. They also sent a passcode to my cell phone for me to repeat back and confirm it is me. They then requested me to send a copy of my drivers license in order for them to process my account opening. I thought this was odd, so I called HSBC directly and they mentioned their Fraud department never contacted me! The email came from XXXX and contained this content.
Dear XXXX XXXX This email is in regards to your account with HSBC ending in ( XXXX ). After reviewing your account, it has been determined that additional information/documents are needed in order to process your request. Request you to please give me a call back at XXXX. My work hours are from XXXX XXXX to XXXX XXXX Monday through Friday ( excluding Business holiday ), Eastern time.
Thanks & Regards XXXX XXXX XXXX Fraud Officer, Fraud Operations, Financial Crime Risk Operations HSBC Operations, Services and Technology Operations Email : XXXX XXXX
|
| 12/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a phone call from XXXX XXXX XXXX in XXXX GA on XX/XX/18 regarding an amount they say that I owed to hsbc bank, the individual had information such as the last 4 digits of my ssn, past addresses, current address, names of relatives, marital status, cars Ive owned, employer and other information. Every time I would ask them to send documentation proving that I owed this debt and to prove this is not a scam he would remind me what information they have and threaten to come to my job or home. He said that I have a legal suit against me by hsbc and that they will take action if I do not pay. The information sounded convincing so I set up a payment arrangement to pay the debt. After the fact I XXXX the company and the address, the address belongs to XXXX mail store. No website or anything. I also do not have any record of owing hsbc. I saw hundreds of complaints just like mine. I contacted my bank for information about the transaction and it appears the money that I authorized them to draft went to a XXXX account???? What legit debt collector receives money through a XXXX acct? I have stop the payments that have been drafted until there is absolute proof that I owe this debt, itemized statement and something stating this is a legit company that is licensed to collect for this debt
|
| 11/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My HSBC credit card had a fraudulent transaction, thus I closed my HSBC card. When I had my new card issued by HSBC, I paid off the remaining balance. However, my balance has always been very high even though my purchases were all small. When I looked through my online statement, I saw that HSBC sneaked in {$470.00} in balance stating a " transfer '' from my old account ( even though the balance from the old account was paid off at the time of closing ). Not only that, HSBC added a balance instead of a refund for one of the transactions refunded to me by the merchant ( the merchant refunded - {$82.00} but HSBC posted as " + {$82.00} '', to make my balance go higher ). When I called and disputed, it took a month for HSBC to refund me. However, they placed the credit to a closed account instead of transferring the credit to the new account. Then HSBC sent me a statement of TWO credit cards ( one is for the open credit card, and one is for the closed account with fraud ).
In other words, HSBC intentionally transfer any fraudulent amount to the customer credit balance but dont tranfer any credit/refund. This bank is doing fraud and it needs to stop.
New credit account : XXXX XXXX XXXX XXXX Closed accounts due to fraud but are still being billed : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
|
| 11/18/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
HI my name is XXXX this problem happen is a old but we had XXXX life inc so if anything ever happen to us it would helped us .well my husband got hurt at work and had to get on XXXX but we had to fill bankruptcy. Because the loan place said we did not buy the XXXX life inc but in 2012 I found the policy and they had me send all the paper work in and they approved the loan and took {$12000.00} dollars and gave it to themselves. AND TOLD ME since they had it we still owned are home which I new we did not because we had to filled bankruptcy. I hired a lawyer paid {$500.00} to started and she told me that it was to big of a place to fight after she took are {$500.00}, So I went back to who I filled are bankruptcy with which he new we had the inc, and he told me just to leave it and just let them have the money .I spend a lot of time doing paper work try everything I could to get what we paid for because we lost are home and everything where they told us this inc was good, and even try to call other lawyers to help but could not get no where so I have my paper work if I could get some one to just listen to me we have lost a lot of money pay out to these place on inc and when time to use them got XXXX .By inc XXXX XXXX , if I could just get some one to call me Thank you XXXX XXXX & XXXX XXXX
|
| 07/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Financial Institution : HSBC.
I opened a credit card with them in XX/XX/2021. A month later I see they charged me interest on purchases, however, at the time of application, I remember very well that the account executive that opened the account, told me the card was 0 % APR for 12 months. I wanted to double check and contacted the bank via chat. The agent I talked with removed the interest charge, confirmed it was an error, issued a full refund and also confirmed the card was 0 % APR in 12 months for the first {$10000.00} in purchases ( my balance was below that amount at that time ).
The next cycle comes and I'm charged again. I contacted both the account executive that opened my account ( I'm still waiting to hear back from her after two weeks ) and the bank 's customer service via message. They told me the card was NOT 0 % APR, ignoring what the agent told me via chat, and that they are not willing to issue a refund.
They provided wrong information to me and I think is dishonest and unfair not to accept that. They didn't do it on purpose, but I planned my expenses according the information provided by the agent.
I have screenshots of the conversation where the agent told me I had been charged by mistake and the card is 0 % APR for the first 12 months. See attachment below.
|
| 02/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Dispute is towards HSBC Initial fee was for {$45.00} at XXXX XXXX XXXX XX/XX/2021 XXXX late fee was for {$25.00} on XXXX @ XXXX 2021 XXXX late fee was for {$37.00} on XX/XX/XXXX Payment made for both late fees and initial purchase on XX/XX/XXXX for {$100.00} When i attempted to pay my debt i set up a payment date so the money could come out of my account at a certain date but apparently something went wrong so my payment did not come out the date i thought i scheduled the payment for and i was unaware of this incident. I did not go back in to check if the money had come out of my account or not because im so use to it working i did not think twice about going back in and checking my account for conformation. I dont use my credit cards everysingle month i try to rotate them and use them all periodically. I emailed them a goodwill letter and got no response in a timely manner and im trying to have the 2 late payments removed so i can start up business credit and start my trucking company but these 2 very small late fees are hindering that process and i have no other derogatory marks on my entire credit file and i have even paid the fees in full and have still had no help from them whatso ever. I had a score of XXXX and the 2 late fees they added to my file dropped my score XXXX points
|
| 01/31/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was called by a XXXX XXXX @ XXXX. HE said he was saying he was from XXXX XXXX XXXX. he said that I have an outstanding balance of a little over {$500.00} from an hsbc credit card. He said I stopped making payments on the card in XX/XX/2013. I asked him if he could please email or mail me some documentation showing this balance and when it was from. He went on to say that I have dodging calls and they have sent me info in the mail. He started rattling off the other addresses I have lived at.
I told him I need some documentation cause this sounds like a scam. He said that I racked up credit card bills and now I don't want to pay. This went on for a few minutes and I started to get mad. I advised I am not dodging any past bill but I am not going to pay something over the phone with out some documentation. He was very rude and said I was not ever planning to pay. I told him I was to speak to his manager. He said he was the manager there. I then told him to transfer me to hsbc so I get more info from them. He would not do so. I told him to not call me or my family again.
He has also called members of my family that there is an urgent matter and that I need to call him.
I checked XXXX and there is not any warning of an old debt.
I called hsbc and they are not showing anything also.
|
| 01/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I opened an HSBC Credit card because they had 0 % interest for balance transfers for the first 18 months. I did a balance transfer, one month later my old credit card ( XXXX XXXX ) had still not received the payment so HSBC cancelled it for me. Now I tried doing the balance transfer using the check HSBC gave me and this worked. So my balance was transferred ( {$1800.00} ) over to Hsbc in XXXX, I made my first payment in XXXX ( {$50.00} ). XX/XX/XXXX I received a letter stating my next payment would be XX/XX/XXXX. So on XX/XX/XXXX I tried to schedule an online payment with no success. I clicked on live chat and explained my problem and they said to call during business hours because my account was frozen for fraud. I've been on hold for over three hours so far. I went to th branch and they couldn't help me either. There is no reason for my account to be frozen as there has been no fraud and everything I've done on the account I have done with them over the phone. Now I'm worried I'm going to rack up late fees because they won't late me pay my bill and at this point I just want to find another bank with better customer service. The online live chat wast helpful at all simply told me to call the number that he had no information.
I also received no notice that my account was frozen.
|
| 06/11/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
My name is XXXX n i have a checking acountt with hsbc.. i got debit and credit card both.. but i never knew that one mistake i made n which is very badly hustling me.. beacuse i m saying it, if i knew i would have never done that, cz i have a good transaction sith hsbc., Scenerio ...
On of my friend advise me to do online survey.. i did to be honest.. and i got a check from them too.. i dont remember the company name but i got it USPS service at my home address.. n when i received thst i was happy n excited.. n also i never knew or know ehst is fake check n what is good check :. So i deposited thise checks in my account .. if i knew yhat the check eas fake.. i would never do that.. even when i saw that deposited has made, i promise i havnt spent a single XXXX from that deposite.. and so on.. i promise if i knew i would have never done that. So next day when i sit to make a payment for my husband, i saw that my card was block and my account was suspended.. so i called the bank in the main time n they told me that something fraud related happen so they r connnection me to them, more than 30/35 mins til todays date i call them but no respont.. after than inwent to bank n talk with a represtator, n she explain me .. what actually happen plz help me now with this.. plz its a request ...
|
| 11/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I stopped using one of my XXXX account in 2020 and did not think to deactivate it, but just recently I went back on that account to check some orders and I noticed that there was a strange expired bank credit card HSBC Revolution Visa Platinum Credit Card under my name and address that I never made. I tried calling the bank but no one answered so will try again tomorrow. I went back to XXXX account and tried looking for more details to find who has been using it and discovered a name and address. This person ordered some stuff in 2020 and had been deleting his order history so it took me a while to find his info. I managed to find a invoice with his name : XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, NC XXXX United States XXXX I do not know if he is still located at the address since the last item was ordered in XX/XX/2020. I do not know if he still has the credit card that has my name on it so I want to report everything before he uses my information for anything else. I reported this to XXXX today and they are currently in the process of looking into it because I have been charged for XXXX prime for almost a year since this occurrence. I have another XXXX XXXX account that I have been using so I did not think to check that I have been being charged for two XXXX XXXX membership.
|
| 05/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Received notice of suspected unauthorized transaction to account via text to verify if valid and declined which initiated a fraud investigation of the transaction to XXXX. Logged online and could not find any transaction on account history and contacted bank and answered questions about last use of card. Verified that transaction was not initiated by me and bank advised that a new card would be sent out for replacement. Received replacement card and provisional credit. Few days later, received letter alleging that transactions were determined to be valid and would post to account without any disclosure of evidence of investigation as to what city, state, country, continent transaction occurred, whose account transaction was executed by as XXXX is a member app program, nor was I provided information as to name of XXXX representative that verified transaction. Confused I contacted bank for clarification and fraud representative advised not to worry that transaction would not be posted to account. Few days estimated {$120.00} was deducted from account. Attempted to escalate and no claim/reference number or provisional credit was provided. 18 U.S.C. 242 deprivation of right to property due to improper investigation. Breach of terms on liability, 12 CFR 1.2j, per affidavit of identity.
|
| 08/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I received a mailer with a unique code to apply for a HSBC checking account in XX/XX/2019, with an offer for {$350.00} bonus if bringing in {$10000.00} new money in the bank account. I immediately transfer the money in and wait almost 6 months ( since the promotion said bonus will be posted 6-8 weeks after 90 days ). After 5 months I contacted customer service to see what's happening and they said they will open a case to see why it's not posted. Noone contacts me and 1-2 weeks later I called them again, they said my account is disqualified because of 2 reasons. The 1st reason is i have had a relationship with them before in the last 3 years ( and when I asked them what relationship, they couldnt identify or tell me anything about it ). There is no location near me so I couldnt have had one with them, and they couldnt find it in their system to give me more info. The 2nd reason is that they didnt find an offer attached to my account when it was opened. This is ridiculous since it has a unique code send to me, and when I clicked apply, the offer was successfully applied.
I feel like HSBC is de-frauding me and not giving me the bonus as advertised, and the reasons they give me for denying me the bonus is bogus and there is noway I can prove anything or disprove anything with them.
|
| 07/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My name is XXXX XXXX and I had a loan with HSBC Mortgage Services which was recently sold to XXXX XXXX , I was in a XXXX BK from XX/XX/XXXX to XX/XX/XXXX , which I completed my XXXX and was discharged by the courts.
I this year applied for a Refinance thru the HARP program in XX/XX/XXXX a nd was approved pending all documents submitted per request of XXXX and I have submitted every document that was needed except for the 24 month payment history I needed from HSBC mortgage, I have called, faxed and repetitively requested a complete 24mo pay history and in the 7 responses I have received there is always 6 mos not reflecting as part of my pay history but reflects 6 mos deferred to the back of the loan without any reasonable explanation as to why or how it is showing that. I have requested that a letter of explanation please be forwarded me in detail the reason it reflects 6mos deferred and why there is a gap not reflected on my payment history ... ... in my XXXX XXXX pay schedule I pad arrears in the amount of {$1400.00} paid in at 100 % thru my BK to HSBC so I 'm confused as why there would be a need to defer 6 payments to back of loan if I paid my arrears and I was never late during my XXXX XXXX period.
I need some help on figuring this out.... .PLEAS
|
| 03/06/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I got behind due to forced insurance, my homeowners insurance was canceled and HSBC placed a policy on property.Another time they paid my tax bill and placed on loan, again this year they supposedly paid property taxes again although i paid them and notified of this.they said they would check into.I doubled my mortgage payment for a year, half was mortgage pmt, other half was to go to arrears as per agreement.they applied to principal.I was very sick this winter, XXXX. I was XXXX.My XXXX, but not as bad.XXXX.I have not been well at all, and have a XXXX.I have not made a payment in 3 months since the co, raised my pmt.from XXXX to XXXX a month.I am on a very limited income,XXXX a month and can not afford XXXX.per month.I want to keep my home and catch up, but can, t do it this way.I need a mortgage modification from HSBC to keep my home.i got a statement yesterday, ihave paid faithfully for 21 years.I was down to XXXX owed, now with not paying for 3 monthsi owe XXXX.Thats XXXX.Heck i only borrowed XXXX, must be some heavy penalty 's and interest.I need some one to explain this to me, how it works.I am warning everybody to stay away from them.When i first bought my home the mortgage was sold to champion who sold to HSBC, Last year pmts.to principal wasXXXX and interest pmts wasXXXX
|
| 04/09/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2019, licensed real estate agent XXXX XXXX, representing XXXX XXXX XXXX illegally trespassed on the property of my deceased parent 's home in order to take pictures for a Broker Price Opinion ( BPO ). The BPO was ordered by XXXX XXXX XXXX XXXX ( XXXX ), a known affiliate of XXXX XXXX XXXX , XXXX ( SPS ). I as the executor of the estate, which is currently in probate, was never notified nor gave authorization for XXXX XXXX or any other entity, to enter on this property. Posted signs are prominently displayed on the property and XXXX has been previously put on notice regarding trespassing. I contend XXXX has no legitimate claim to this property and no litigation is currently pending regarding this property. As result of XXXX XXXX XXXX illegal actions at the direction of XXXX and XXXX, I and my siblings feel violated and threatened. XXXX continues to display a disregard for the law. I am seeking a cease and desist from any further trespasses, a copy of any XXXX produced and a copy of all pictures taking of this property. I reserve the right to file a criminal police report at my discretion. XXXX has been repeated told this property is NOT the property described in the purported mortgage. In addition, XXXX has yet to provide a legitimate claim per XXXX Surrogate Court Law.
|
| 09/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX keeps reporting the same time barred debt on my XXXX Credit report I have disputed several times and XXXX says they verified it was mine and leaves it on my report XXXX XXXX changes the open date and account number so that XXXX claims it not to be a duplicate Debt. This is a HSBC account that has has no payments made previous to XX/XX/XXXX. That is the last email confirmation I received from them before the debt was charged off so obviously payments were not being made months previous to this date. I have contacted XXXX and they refuse to remove the Debt even when I sent them proof thats its time barred and they can no longer report. XXXX XXXX claims they do not have to follow California 's guidelines. I have asked for proof that this is a new debt as they are reporting an open date of XXXX and XXXX and they do not provide anything because they don't have it. XXXX at XXXX XXXX even admitted over the phone it was a old HSBC debt. XXXX also admitted they changed the dates to current dates to be able to report in hopes to get some money. My other credit cards are decreasing my limits and I can not refinance my house to pay my medical debts from XXXX XXXX do to XXXX XXXX incorrect reporting of this time barred debt. It is crucial that this gets taken care of correctly
|
| 12/05/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
On the XX/XX/2018, I was unable to access funds in my account using my debit card at a car dealership, despite adequate funds being available in my account. The amount was {$12000.00}.
Despite contacting the bank via telephone and spending over an hour on the phone with them ( being passed from department to department ), the bank refused to authorise my payment. After many different attempts at rectifying the issue by several different departments, the bank finally told me that a {$5000.00} daily transaction limit ( that I had previously neither agreed upon or knew about ), could not be waived even with my authorisation. The call centre also gave poor instruction to the dealership on how to authorise the transaction as debit, which led to a {$3000.00} transaction going through as credit ( giving the dealership a financial penalty which luckily they accepted on my behalf ). The bank then tried to force me to do a wire transfer, and didn't tell me there would be a charge until I was just about to authorise the transaction. Luckily I did not complete the transaction.
I was forced to leave the dealership and complete a 2 hour round trip to retrieve a check book from home.
The bank is HSBC US, though all of the departments I spoke to on the phone were overseas call centres.
|
| 02/18/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
My ex-husband & I filed chapterXXXX bankruptcy in XX/XX/XXXX, the 2nd mortgage on our house was in it through Beneficial Finance. I am now trying to sell that house since my mother died & I am now living in her house. When the title search was done, the mortgage for Beneficial is still showing. As far as I know it was paid for in the bankruptcy which was discharged on XX/XX/XXXX. Beneficial was bought by HFC, then HSBC. I called HSBC on XX/XX/XXXX, I was transferred 3 different times until was given the # XXXX. When I called they were closed. I called again on XX/XX/XXXX, and they were still closed. on XX/XX/XXXX I called again & talked to a XXXX that told me to send the title search & a recorded mortgage with my county. That was done XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX. There was no response. The title Co. & I each tried calling them to see what they found & we each got the recorded message that the office had been closed. The message also had an address to send correspondence, but no phone number to reach them. on XX/XX/XXXX we send another title search & recorded mortgage to them. With still no response. Since I am living in my parents house already & can't sell my old house. This is creating a financial hardship on me. I would greatly appreciate it if you can help me.
|
| 10/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
HSBC bank sent me to a collection agency 7 plus years ago. I was contacted by the collection agency and payment arrangements were made. They took out of my checking account the amount agreed upon for 3 years. After the 3 years was up another collection agency had taken over the first collection agency. I was told that my account was settled and paid in full. It was taken out every month from checking account. About 9 months later in XXXX I filed bankruptcy on my other credit cards. My attorney even said that my HSBC was paid for. So, today XXXX XXXX, XXXX 4 years after I had HSBC paid off I get a call saying that I have not paid HSBC off. I tried to explain to the woman on the phone that it was paid and she said that they were taking actions against me to get it paid because their office says it was never paid. I also told her I have had a bankruptcy since I paid it off and it was not owed at that time either. It was taken out of checking account. She wanted proof. That account was paid off over 4 years ago going through papers from that long ago is not feasible at this time for me. She got mad and hung up at me. I waited a few minutes to call back and they hung up on me again. This account was paid in full. It's not my fault they can't do the proper paper work on their end
|
| 05/21/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX ( XXXX ) is in violation of Forced Placed Insurance, lying and deceit. On XX/XX/2018, XXXX stated, " Lenders Placed Insurance In your inquiry, you question XXXX adding Lender Placed Insurance ( LPI ) to the account. XXXX does not show that any LPI has been added to the account. '' However, in correspondence ( certified mail ) from XXXX dated XX/XX/2018 and received XX/XX/2018, XXXX states, " This is your second and final notice that our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property ... ... ... ... ... .. The insurance we buy : Will cost an estimated {$1100.00} annually, which may be significantly more expensive than insurance you can buy yourself. '' On numerous occasions I have explained to XXXX they have no legal security interest in the property they now claim to be placing forced placed insurance on. The legal description in all notes and mortgages do not coincide with the property they are now fraudulently trying to place insurance on. XXXX continues to conduct business in a fraudulent manner and continues to go unchecked by appropriate authorities. I demand appropriate action by the CFPB.
|
| 03/13/2017 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
My father was called by a debt collection company and told that I had three counts of fraud against me and that I needed to contact their company immediately. They also told my father that they would " come out and arrest him at his job if they had to because he was responsible for the debt also. '' I called XXXX with the debt collection company back and they also told me that I had three counts of fraud against me and that I was going to be served with a lawsuit and detained by a process server under the authority of the U.S. Marshall 's Office. The company told me it was for an old auto loan that I had back in XX/XX/2006. They told me they would not come out and " detain '' me if I gave them payment over the phone right then or if I set up some sort of payoff with them. They told me I would be served at my job and that I was going to get fired because I was served papers at my job. Unfortunately, I did not get the name of the company and they would not give it to me. They just said that they were a debt collection company hired by a company that was suing me. I was however given a name of XXXX with the phone number XXXX and the name of the process server was XXXX and she called me from two different numbers, one from New Jersey and one from Fort Myers : XXXX and XXXX.
|
| 07/24/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a ( new ) joint Premier Savings Account at the HSBC Bank branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX on XX/XX/2018 in response to a special invitation/promotion. According to the terms of the promotion, HSBC would deposit {$750.00} into all new accounts if the new account holder would open the account with at least {$100000.00}. The {$750.00} deposit would be made by HSBC in " approximately 8 weeks of depositing a minimum of {$100000.00} into the new account by XX/XX/2018. We deposited {$170000.00} on XX/XX/2018 thereby meeting all the terms of the promotion.
I should have received the {$750.00} by 8 weeks or by XX/XX/XXXX. I have not received the {$750.00} deposit as of XX/XX/2018. I called the bank 's customer service line at the end of XX/XX/2018 and on XX/XX/2018 and was only told that there was an issue with their system, and they were not helpful. I met with Mr. XXXX XXXX, the branch manager ( Tel : XXXX ) at the end of XX/XX/2018 when he assured me that I should see the deposit within a month. Since I did not see the deposit on my next bank statement, I called Mr. XXXX on XX/XX/2018 to inquire about the status of the deposit, he told me that there was an issue with their system and therefore he could not deposit the {$750.00} as I had requested.
|
| 05/21/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
My XXXX-year old godmother opened a joint account with me for the purpose of saving money for her funeral. ( I have accepted responsibility for planning her funeral when the time comes. ) She deposited a total of $ 14,000+ in the account and the funds sat there untouched for several years. In the summer of XXXX, an individual presented the bank with a Power of Attorney purportedly signed by my godmother. In fact, the PoA was never notarized by the signature purporting to be hers. Further investigation by the local law enforcement agency shows that the supposed Notary Public does not even exist.
The bank was careless in accepting the PoA. The bank was careless in not noticing the account being totally drained in a 2-month period after having sat inactive for many years. This was a total disservice and disservice to an elderly person.
The local law enforcement agency is actively investigating this matter but we do not expect to ever be able to recoup the money from the man who stole it.
I have written to HSBC in XX/XX/XXXX and asked them to restore the missing money. The bank has ignored my complaint and request.
The bank has possession of my original letter, the Power of Attorney and all the monthly banking statements showing the activity on this savings account.
|
| 01/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Credit card Debit from HSBC was paid in XXXX and credit bureaus removed the account from my credit bureau reports in XXXX. Removed from my husbands credit bureau reports for between XXXX. XXXX XXXX creditors continue to harass mu husband, myself, and other members of our family threatening to have us arrested, have us served papers, calling us names, using profanity and not providing exact company names and sometimes not providing good call back numbers. This has continued for 3 years now and it has got to stop. We have filed multiple complaints with FTC and all credit bureaus with no help. The state time law limits have passed and the evidence has gone and we need to be protected. The collector called my phone looking for my husband and said they were from XXXX XXXX and were going to sent someone to have my husband served and possible arrested if he did n't pay a bill that he is refusing to pay. The number on the caller ID was XXXX and the call back number she gave me was XXXX. When I explained that we had talked to an attorney already and the debt was paid years ago and I was happy to fax proof over, she stated they did n't operate with faxes. I have had to fax this proof and documentation to multiple companies over the years and I am sick of it. Please make it stop.
|
| 09/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Hi I opened this account back in XX/XX/2016 at a branch in XXXX XXXX. At the time of account opening, I was advised that there won't be any fees associated with the account, and that this account also qualifies me for a HSBC credit card that I can try to apply for. I did not apply for that card in the end.
As this account was primarily intended as a savings account, I had left this account alone as I didnt want to touch the funds unless absolutely necessary. However, I had fraud activity on my other accounts recently, I began to review my other checking accounts as well, including my HSBC account.
It has come to my attention that HSBC has been charging me {$25.00} each month, even though I was told I wouldnt be charged any fees. I spoke to the customer service representative over the phone, and their response was that he doesn't know whats going on either, but this is the account type that my banker had set the account up as, and that theres a {$25.00} fee for this account.
I am personally not familiar with the different account types and tiers that HSBC offer, but I was very specific with that banker that I didnt want an account with a monthly fee of any sort.
HSBC has refused to help with my situation, so I am hoping CFPB can. Please help.
Thank you so much.
|
| 09/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
I was left a voicemail stating they were a mediator and my case is in civil court so I needed to contact them immediately. Once I contacted the lady stated my court date was XX/XX/XXXX and she needed to email me the court documents. I explained I do not have a debt. for this amount or with this company and at this point she got very feisty and said she finds that hard to believe since the years were for many years. The agent kept putting me on hold and said she would send me copies of documents by email and that was a lie. The email was a notification letter to collect a debt.
I called back and spoke to another agent who apparently lied as well by saying he would handle this and believes it might not be my debt and will get me copies of the contracts as well because I requested the proof and he also said he will keep this from the upcoming court date. This agent said he will email me proof and again all I got was a lie and a notice of an attempt to collect a debt. This agent also stated I didnt have to do anything because he was taking care of this but he lied and if I dont respond then I pass the 30 days.
The agent I spoke to the first time I think was XXXX and the 2nd agent was XXXX XXXX.
This is NOt my debt and I requested the original contract to prove its me!
|
| 06/07/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have resolved a debt in full XXXX XXXX,2016 it was filed in the court of my county XXXX XXXX, 2016 however they will not remove this from my credit report. Over the last 30 days I explained to them that I care for XXXX XXXX children and I was trying to purchase a home for them and this is affecting me from getting a loan from the bank. I found out this was still on there after my landlord allowed the home we was in go into foreclosure and I tried to purchase that house. I was denied a loan so me and the kids literally we go sat out on the street and lost everything. XXXX XXXX XXXX XXXX have the information in their system and they also sent me a copy of the " Satisfaction of Judgment '' paper and told me to take that to the bank and that the bank would see that I paid it. I have call this company over and over and they will not take it off. Now yesterday I call again and the representative told me to forward him a copy of the same form that they sent me. I did as he asked but informed him that it 's their responsibility to update the credit report. This is so unfair because I had a debt and I paid it in full and they are not doing their part. I am asking the CFPB to help me in this matter. I will upload a copy of the satisfaction of judgment. Thank you in advance
|
| 06/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a credit card with HSBC Bank a long time ago. As such, I kept receiving promotional emails from them from time to time. One of the emails stated there was a bonus of {$470.00} for their HSBC Premier checking account. I was intrigued since I had been looking at banking with a global bank for a while. The offer stated I had to deposit a minimum of {$5000.00} for 3 consecutive months, and the bonus would be deposited after. I started the application process which took them 3 weeks, believe it or not, in this day an age. As soon as my account was opened, I went to my job 's HR and made the necessary changes to have around $ 6-7,000 per month deposited directly to my account. This started in late XXXX. So the bank has seen my deposits in late XXXX, XXXX, XXXX, XXXX, XXXX, and we're in XXXX. The bank keeps giving me runaround and nobody knows anything. Customer service number is an overseas call center, and they state they don't handle promotions. Direct messaging within the app states the same. So basically this bank engages in bait and switch tactics. At least I'm glad I realized this early how terrible they are. However, what they are doing is ilegal and must be stopped. I want the Consumer Financial Protection Bureau to publish this so others can be warned.
|
| 10/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have HSBC Mastercard Credit card. I had already made the automated payment setup from XXXX XXXX account ending in XXXX more than a month back.
Problem with HSBC : They are so weird and strange. Very different from regular/normal banks or credit card Website is so overwhelming or confusing - all the global products and everything in one place that very simple stuff like seeing the credit card statement and making the payment is absolutely impossible. I got the call from them during morning at XXXX XXXX from XXXX who was stating that minimum payment is not done and make the payment. When i asked - i am on website and how to do that ... she stated she doesn't know. When i asked when the automated payment is already setup then why it is not working? She said that XXXX XXXX takes 1-2 billing cycles to go into effect, which would be why you're not seeing it working yet.
Essentially this company is involved in some massive fraud out here. They are deliberately not providing the very basic service of automated pay and delaying it in order to make the customer miss the payment and thus they will earn hefty fees and charges from the customer for the missed payments for which customer is not at all responsible.
Please investigate this fraud HSBC and save US customers.
|
| 12/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/XXXX I sent a transfer from my bank XXXX, XXXX, to HSBC HONG KONG, using HSBC US as intermediary bank for the ammount of XXXX and the money never reached the benifeciary. Swift Messages were sent by XXXX on XX/XX/XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX XXXX received a message from HSBC requesting remmitance information and it was sent by XXXX the same day. After getting no answer I got in touch with HSBC US to find out why the money has not ben deposit into the beneficiary account and they say that I had to get in touch with HSBC XXXX XXXX. I called HSBC XXXX XXXX and they claim they don't have any infomation about this transfer, the beneficiary has also called HSBC XXXX XXXX many times and there is no reply. XXXX has sent over 10 messages requesting confirmation without getting anything, and yesterday I asked for a reimburment and there's no reply form HSBC US and the money has not been sent back. Today I was on the line with HSBC US for over 2 hours and they didn't have any answer and advise again that I get in touch with XXXX and with HSBC XXXX XXXX at the end the money is not back into my account and has not been deposit to my beneficiary and it's been a month since the money was debited from my account. I need HSBC to send the payment back ASAP
|
| 08/29/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
To Whom It May Concern, I have a personal credit card with HSBC Bank. I have a credit balance on my card of {$150.00} ( meaning the bank owes me {$150.00} ). I requested that HSBC send me a check for my credit balance, but they have refused.
I originally requested this check on XX/XX/XXXX. I was told the request was processed.
After not receiving the check, I followed up via online chat on XX/XX/XXXX and was informed by the customer service representative that a check was mailed on XX/XX/XXXX.
After again not receiving the check I followed up with the bank on XX/XX/XXXX via online chat and was told that it can take up to 7-14 business days for the check to arrive and that yes they had sent it to me.
After still not receiving the check I sent a secure message to HSBC on XX/XX/XXXX to ask about the status of the check and to inform them that a further delay in getting this check was not acceptable.
HSBC responded on XX/XX/XXXX indicating that they would not send me a check for my credit balance even though my most recent statement indicates they owe me {$150.00} in cash.
I am requesting that the bank honor its debt to me and issue a check for the balance on my account.
Thank you to all for assistance in resolving this matter.
Sincerely, XXXX XXXX
|
| 07/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been with Beneficial since 2007. I have refinanced a few time and received a loan modification back in 2007. I have asked for them to refinance my home because the interest rates sits at XXXX percent. When I make my payments which are XXXX monthly, XXXX is the mortgage payment but the interest is XXXX while the actual principal is only about XXXX per month. They are hitting us with unreasonable interest rates. I would like my interest rate reduced so I can afford to make the payments. The other charges are fair and are for property taxes paid. They also charge XXXX late fees per month if you are 11 days past due which is also unfair.
If they modify and refinance our interest rate our loan will become more affordable. Their only options are to defer payments or to foreclose which is also unfair practice.
They also frequently change Mortgage Servicing Specialists. Each month I get a letter stating I have a new specialist.
Because of not so good credit and us owing XXXX on the house with it only being worth XXXX we do not have the option to sell it.
Would like to see them at least let us refinance at a lower interest rate. I feel like they are just stealing our money with their getting so much in interest.
My account number is XXXX, please help.
|
| 06/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I am being contacted by a debt collection company working for HSBC Bank to collect a balance of {$690.00}. After several voice mails threatening to bring legal documents to my home or place of employment, I returned the call to find out what is going on. I am currently working on getting my debts paid and there was already a payment arrangement in place with XXXX XXXX XXXX to start auto payments. Upon speaking with this company, I withdrew the agreement. I returned a call to XXXX XXXX XXXX XXXX and spoke with a man by the name of XXXX XXXX. I used the referred case number given. When I spoke with him, the first thing he told me was they were employed by HSBC to issue a forceful collection act against me if I did not make a payment. I explained that in the state of Pennsylvania that is illegal to threaten anyone with wage attachment. He argued with me that they can in fact sue me. I told him I was aware I could be sued, but that my wages could not be attached so I would be discuss options, but not to threaten me by coming to my home or place of employment. I do have the voice mails saved and attached the transcription. He then told me they would sue me and attach my wages. I told him to go ahead and do it. He told me " good luck in court '' and hung up on me.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
HSBC Bank, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with XXXX and XXXX. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already.
I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against HSBC Bank, XXXX XXXX XXXX.
I previously disputed this erroneous and inaccurate information with XXXX and HSBC Bank, XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed.
HSBC Bank, XXXX XXXX XXXX sold the charged-off account to XXXX XXXX XXXX XXXX Who notified me on XX/XX/2022 by letter attached as a Collections agency.
Pursuant to FDCPA Section 809. Validation of debts ( 15 USC1692g ) requires validation of debt before reporting information on my credit file. I demanded validation of debt from XXXX XXXX XXXX XXXX XXXX
When XXXX XXXX, XXXX failed to validate the debt, they informed me that the account was transferred back to HSBC Bank, XXXX XXXX XXXX.
|
| 10/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I opened an HSBC MasterCard. I requested paper statements over the phone. I never received a paper statement. I requested statements several times back in XXXX via my online HSBC account, and HSBC refused to provide a statement because allegedly one was not ready. I was never provided with a payment address to mail payments to. The online account didn't seem to have a way for me to link my bank account to the card for automatic payments. If it does it was not easy to find because I could not find it.
I looked up the HSBC payment address on XXXX, and it was listed as HSBC Card Services, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Several weeks ago, in mid XXXX, I was aware, via my HSBC mobile app, that the first payment was going to be {$65.00}. I mailed a check for {$100.00} to the address I found.
Yesterday, I received the check I sent back in the mail. The post office stamped on the envelope that the recipient moved and left no address, and also stamped on the envelope that the PO box was closed.
I called HSBC, and discovered that I was now considered in default and behind on my payments. {$130.00} was due, of which a portion is a late fee. I paid this over the phone immediately. I tried calling an HSBC representative, but their office is closed right now.
|
| 10/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX XXXX XXXX began contacting family members of mine who I have not spoken to in years and who do not live anywhere near me in XXXX of XXXX about a debt. They claimed that I was facing serious legal repercussions and threats of court if the family member did not have us contact XXXX XXXX right away.
After contacting them and asking them repeatedly not to call they stated this was for a debt incurred over 6 years ago through HSBC. I asked them to send written proof of the debt to me in the mail, which I have yet to receive ( I requested this over a month ago ).
About a week passed and they called again threatening to take everything I own, including my truck. They said the debt was a credit card through HSBC. I once more asked for written proof, which they demanded that they sent to me. They then emailed me a settlement form and said if I did n't sign it in within a few days that they would come and take my truck.
I called HSBC and they had no record of this debt, nor is the debt appearing on my credit report. I asked XXXX XXXX XXXX about this and they claimed that it wo n't be on my credit report because they just purchased the debt?
They continue to call and harass me and my distant family members demanding that this {$300.00} debt be paid in full.
|
| 01/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XXXX XXXXXX/XX/XXXX, I received a voicemail from a local telephone number at XXXX XXXX. The voicemail told me that someone was filing a civil suit against me : Hey this is an urgent message intended to contact you in reference to a complaint. If you have any questions or concerns regarding a pending access that are being filed against you you will need to contact the issuing firm at XXXX again that number is XXXX to discuss, this requires your immediate attention and it is imperative that we speak to you or they will be forced to make a decision without your consent again this is an urgent message. When I called the number me time, a man answering said it was a law office, and I hung up. The second time, a woman answered and said it was someplace like XXXX XXXX. When I gave her the reference number in the voicemail, she put me on hold for 3 minutes and then told me that HSBC was filing a civil suit against me for {$760.00} that was owed between XXXX and the last contact they made was in XXXX She asked what was going on in my life then that I chose to not repay my debt. Then she said that HSBC would be taking legal action and would also collect interest fees dating all the way back to when the debt was made, so 17 years of fees plus court filing fees.
|
| 07/03/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I received a call from an unknown number stating that I had been attempted to be serviced a legal suit. They gave me a number and told me to call them and have them update my information. They claimed to be from XXXX County. I called the company. I spoke with XXXX he said he represented HSBC and his office would be taking legal action against me if I could not pay XXXX and change that day. He said that if I could pay half his firm would front the other half because the client expected ASAP. When I said I want to consult my lawyer he became enraged and threatened immediate action against me. The next person I spoke with XXXX XXXX said he would take a lessor amount and that HSBC agreed to it. When I called HSBC they have no further records of the debt nor did XXXX XXXX. XXXX continued to give mistruths and when I asked for proof of the debt ownership he sent me a contract with stale dated information and increased the debt to XXXX and wanted me to agree. I am very concerns this company is a scam and not the true holder due to all of the lies given within the conversation. They sent me routing information to make a direct deposit into their account.They claim to be XXXX with XXXX XXXX as the Director of Litigation. Please help me get to the bottom of this.
|
| 08/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I opened an account with HSBC. The account advertised {$600.00} ( {$100.00} XXXX per month during the first 6 months after account opening ). I called HSBC 5 times shortly after opening account online to confirm offer. The customer service representatives ( CSRs ) hung up on three times, got transferred once and finally the last CSR said for me to close account and reopen it however I could not do that on the call because my funds were not received.
I also received 4 emails from HSBC that I did not read till XX/XX/XXXX. First email, stated my application ID XXXX time out. Second email, application XXXX was approved. Third email, provided me with the activate link and instructions of a 6 digit code that I deleted on the XXXX. I had no idea why I was getting 4 emails and a code to activate the account. Did the account opening platform failed to give me this information? The CSR certainly didn't tell me I had to activate the account.
I don't think that I should have to open another account to have the bonus offer applied per the CSR instructions. Additionally, when you open an account the instruction that were sent to my email should be disclosed. How would I know that there would be 4 emails and a text following to activate an account.
|
| 02/22/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In Beneficial 's response dated XX/XX/XXXX to CFBP complaint # XXXX, Beneficial representatives state, " XXXX XXXX XXXX referenced three previous mortgages dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please be advised that we are unable to research these mortgages as they are no longer available in our servicing system. '' Since Beneficial is incapable of doing the research on these three previous mortgages, I have done it for them and have included them within this complaint. As one can see by doing a simple comparison, the three previous mortgages ( XXXX, XXXX and XXXX ) completed by Beneficial contain the correct legal description of my deceased parent 's property, as opposed to the legal description contained in the purported XXXX mortgage Beneficial ( HSBC ) admittedly sold to XXXX, with servicing being conducted by XXXX XXXX XXXX XXXX XXXX ( XXXX ). This is further evidenced by the legal description contained in the XX/XX/XXXX Loan Title Insurance Policy issued by XXXX XXXX XXXX XXXX, XXXX Once again, Beneficial and XXXX are unethically misrepresenting the facts and continue to seek judgement on a security interest without the required standing or supporting documentation. I demand they stop any and all misrepresentations and illegal actions.
|
| 03/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
My name is XXXX XXXX. I'm in the process of refinancing my home. Unfortunately when the title company ran my info the following lien / loan appeared and I do not recognize it. This mortgage of {$15000.00} has been outstanding since XXXX. Nobody contacted me to pay them back and it does not show up on my credit report. The title company will not remove it until they get permission from who I do not know. I tried calling the companies involved but it was sold to HSBC. I tried contacting them but they were bought out too. I tracked this loan and it has been bought and sold at least 6 times and when I contacted them they are telling me the loan does not exist with them. I tried everything and now I'm reaching out to you regarding this situation. Below is the response I received from HSBC : We are not authorized to release the lien as servicing was transferred to XXXX XXXX effective XX/XX/XXXX. XXXX was acquired by XXXX, and subsequent its assets were acquired by XXXX XXXX XXXX XXXX. Please contact its servicer XXXX XXXX servicing at XXXX XXXX XXXX, XXXX, SC XXXX, Ph. XXXX.
Name XXXX XXXX Address XXXX XXXX XXXX XXXX NY XXXX Tele XXXX XXXX XXXX Date of Origin XXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX Recorded XX/XX/XXXX Title # XXXX Liber XXXX Page XXXX
|
| 04/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have been a credit card customer of HSBC for over 10 years. During that time I never had problems making payments earlier than those scheduled through autopay. Recently HSBC boasted that they had a new and improved platform. However, what has really happened is that it is impossible to make an early payment with the new format. This happened first last month and it took about 35 minutes on chat to get the payment made which was essentially the minimum amount from the checking account approved for autopay. Simply stated, rather than waiting for autopay to take the payment, I wanted to make it two week early to save interest. Again this month I was unable to make the early payment and after about 40 minutes and this time TWO ( 2 ) CUSTOMER SERVICE REPS they concluded it was not possible to make early payments once autopay was ON.
This is fraud. The idea of autopay is to avoid the absurd and obscene late charges that HSBC seems to love. To prevent people from paying early seems to feed the greed of HSBC. From the recent position statement of the CFPB, it seems the Bureau is interested in all this sly and dirty dealing done by banks. This is a prime example. It is greed that prompted HSBC to institute this " new and improved '' platform. More lies.
|
| 05/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was investigating refinancing my mortgage with XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX, OH XXXX ( XXXX ). I first started pursuing the refinancing process on XX/XX/2020. At that time, Mr. XXXX told me that there would be no closing costs and I would not be charged for an appraisal. As we continued our negotiations, it became clear that Mr. XXXX 's initial verbal offerings were not being followed through. Not only did he charge a {$450.00} appraisal to my HSBC credit card, without my permission, he charged me again for the appraisal on a refinancing document that he submitted to me. I turned down the refinancing for many reasons but mainly because I no longer trusted Mr. XXXX and I thought he was trying to take my money.
I then submitted a claim with HSBC for an unauthorized charge for the {$450.00} appraisal on XX/XX/2020 ( case # XXXX XXXX. Not only did HSBC never attempt to reach out to me for a more in-depth explanation for my dispute, they had the audacity to send me a letter on XX/XX/2020 claiming that this charge was consistent with my spending pattern. It is not!
I have cancelled this card and informed HSBC that I would be filing a formal complaint against them.
Thank you for your consideration of this matter.
|
| 06/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
HSBC advertised a {$350.00} bank bonus promotion for opening a checking account by XXXX XXXX, XXXX and pay at least two bills per months or having a direct deposit into the checking account. The account was opened on XXXX XXXX, XXXX and funded with the required amount of at least {$1500.00}.. Two bill payments were made for XXXX and due to a death the in family overseas, I was not logging into my account. Later, when I tried to log into my account, the account was not accessible and locked. On XXXX XXXX, XXXX, I spoke with XXXX who told me that as long as I make two more months of bills payments and then call HSBC, I would be able to receive the {$350.00} bonus and she would leave notes on my account for the next representative. On XXXX XXXX, XXXX, I contacted HSBC and found out that XXXX did not make any notations on my account regarding the promotion. Also, I notified HSBC that the two additional months of bill payments were completed in XXXX and XXXX and to request the {$350.00} incentive be credited to my account as soon as possible.
It is very frustrating to speak with HSBC representatives in the Premier department who refuse to transfer the call to a supervisor upon request and who deny the promotion despite being in the other department.
|
| 05/03/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
HSBC ( https : //www.us.hsbc.com/ ) didn't give the right rate for their HSBC Direct 12-month CD I applied for a new HSBC Direct CD on XX/XX/2020 and their web ( https : //www.hsbcdirect.com/cds/ ) was showing the APY rate of 12-month CD is 1.9 % when I was applying for new account. However, their very bad process needs to review the application and finally the account was opened on XX/XX/2020 ( amazing processing speed ). After completing the application, I also called their customer service and their agent confirmed with me that their CD 's opening APY rate is based on the application date, but not the opening date! I think that this rule should be reasonable : because that I agree with opening the CD because of the rate I have seen on the official web ( this is because that no one knows the real rate in the future! ) However, when I saw their first month 's interests and I was surprised. Then, I contacted their live agent ( named " XXXX '' ) who told me that the CD was opened at a rate of 0.8 % ( this is based on the opening date, but not the application date ). Then, why should I open a CD at such a low rate? Because currently their Direct Savings ' rate is still 1.7 % ... The bank 's explanation is completely unreasonable and unacceptable!
|
| 05/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a checking account on XX/XX/XXXX using a referral code from my friend. The offer that came with this code was to get {$250.00} bonus after depositing {$10000.00} and keeping it for 8 weeks. I have completed this requirement, but never received {$250.00} bonus. I contacted HSBC in XX/XX/XXXX and they promised that bonus would be deposited within 8 weeks. So I waited 8 more weeks, but again received no bonus. When I contacted them again they started telling me weird stories. First they told me that I don't qualify for this bonus because I had a credit card opened with HSBC. In fact I never had any credit card with HSBC. Then they told that I don't qualify because I had HSBC debit card opened as of XX/XX/XXXX, but offer required no opened account with HSBC as of XX/XX/XXXX. Yes, I had a checking account with HSBC before, but it was closed on XX/XX/XXXX, which is 5 months before XX/XX/XXXX, so I couldn't have any active debit card on XX/XX/XXXX. I had to explain that several times, but they still refuse to issue {$250.00} bonus without any reasonable explanation. As a result, I had to keep {$10000.00} on this checking account for almost a year hoping to receive the promised bonus and I lost an opportunity to earn interest in other banks.
|
| 02/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account with HSBC, responding to an offer to get a {$350.00} bonus. More information about the bonus can be found here : XXXX XXXX XXXX I apologize that this link is to a third party, but I no longer have access to the promotion on the HSBC website . The terms described on this website matched those that I saw on the HSBC site. As you can see, the bonus required me to make 2 bill payments in each of 3 months in the first 120 days after account opening.
HSBC dragged their feet about opening the account, but I received a Welcome to HSBC email on XX/XX/XXXX and I promptly established online access to the account.
I made two bill payments in XX/XX/XXXX, four in XX/XX/XXXX, four in XX/XX/XXXX, and four in XX/XX/XXXX. I tried to space them to ensure that two would be before the statement close date each month and two would be after.
The {$350.00} bonus never posted. On two separate occasions, I asked via online chat about the bonus. In each case, I was promised a review and a decision by mail and email. I never received any decision form HSBC.
The bank has been non-responsive, and I no further interest in banking with them, but I'm afraid to close the account out of fear that it would then be impossible to get the bonus.
|
| 03/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
- XX/XX/XXXX : Applied for HSBC Premier Checking account with the promotion to earn {$750.00} bonus by depositing $ XXXX and keep for 90 days. The terms stipulates the $ XXXX can be a combined balance of checking/saving/investment balance - XX/XX/XXXX : HSBC Premier Checking account approved.
- XX/XX/XXXX : HSBC Direct Saving account opened - XX/XX/XXXX : Deposited $ XXXX into Premier checking account - XX/XX/XXXX : Transffered $ XXXX from checking account to saving account - XX/XX/XXXX : 90 days requirement has been met, but no bonus amount has been posted - XX/XX/XXXX : Checking account no longer appears online. Did online chat with HSBC agent, and was told the account was closed by the bank for {$0.00} balance. I inquired about the {$750.00} bonus as I have met all the terms required. Agent responded that since the checking account got closed, they will not provide the {$750.00} bonus.
- Also called them on the phone, and was again told there is nothing they could do.
- The terms of the promotion only specified that the combined balance of checking/saving/investment need to be $ XXXX or more for 90 days, which was clearly met. The bank can not simply close my checking account and refuse to pay me the {$750.00} bonus originally promised
|
| 08/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I had a checking and savings account with HSBC for over about 10yrs over those period of years, I was having concerns with my account transactions but because I was reluctant to change a bank, I continued with them until about a year ago, I finally had enough of my account not being accurately reflecting my actual amount deposited and withdrawal. As a result, I contacted them and closed the account. Few months after closing the checking account, I notified them and went to one of their branches in XXXX XXXX, and worked with them to close my savings account. At that time, the never informed me of owing the bank. After few months, I started receiving letters from the bank that I am owing them {$250.00}. I asked how come I was owing and what did I buy from them to be owing them. I dont even have their credit card per-se, but they were not able to explain to me how I was owing them just because I closed my account. If I was owing why did you allow me that o close my checking account and even came to your office and finalized for closing the savings and nobody said anything. I keep ignoring their bill until they sent the bill to collection which has affected my credit score. Please reach out and let them remove that from my credit score, thanks.
|
| 03/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I had noticed on my online account that my credit limit had significantly decreased from {$3100.00} to {$500.00}. I requested a limit increase on XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX indicating the reason for my credit limit decrease was as follows : 1. Accounts last reported in delinquent status 2. Serious delinquency 3. Proportion of balances to credit limits on bank/national revolving accounts is too high 4. Time since delinquency is too recent or unknown. Being a person who has never missed a payment and always has paid well over the minimum amount I was confused and angry. I called the company on XX/XX/XXXX and demanded an explanation. She simply repeated back to me what was on the letter and said I could file a complaint and a manager would contact me in 2 to 3 business days. Sure enough, I did not receive a call from a manager. I made a call today XX/XX/XXXX and demanded I speak to a manager and instead the representative spoke to the manager and came back to tell me it was the banks decision to do so. She then tells me that a lot of people are calling with this complaint of decreased credit limits. No explanation was given as to how I was viewed as a delinquency customer and my credit limit was not fixed.
|
| 05/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
We were notified that an XXXX XXXX credit card in wife 's name only was delivered by USPS to a former address. We did not apply for the card, however, our credit monitoring service recorded a hard credit inquiry from HSBC on XX/XX/XXXX. We have 7 year extended fraud alerts posted with all credit bureaus that don't expire until XX/XX/XXXX. Apparently HSBC Bank opened an unauthorized credit account or approved an application for credit without contacting us per the fraud alert statement. We contacted HSBC via the number on the back of the credit card and determined the account had a XXXX balance, advised them it was issued fraudulently, and requested they close it immediately, which they claim they did. We are unable to determine whether the account was initiated by HSBC themselves or by an identity thief ... they would not supply applicant information. Our main issue is that they opened the account without contacting us despite our long standing fraud alert statement with the credit bureaus ( we have maintained extended fraud alerts with all 3 credit bureaus for over 18 years ). And, by the way, HSBC customer service is horrible ... apparently utilizing foreign call service centers and workers with extremely poor English language skills.
|
| 03/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
HSBC current account was created in XXXX. The amount I deposited is with HSBC. I can't make bank to bank transfers or make bill payments because there is serious bug in their website that affects only my account and not other customers maybe.
HSBC has put me in a vicious circle - The expect me to chat online through internet banking. When they fail they ask to me to call the helpline. When they fail, they send me back to the online chat. The vicious circle goes on and only wastes my time.
HSBC has admitted that its a complex issue and they have kept me waiting for 2 months in the hope of getting a response from IT team.
I am emailing them daily by they only give assurances if 3 days and then they default on their commitment every time.
SEVERAL COMPLAINTS AND NUMEROUS PHONE CALLS HAVE BEEN MADE with several man-hours wasted in the process.
Complaint 1. XXXX is the complaint registered in XXXX XXXX.
Complaint 2.
|
| 09/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
HSBC was not allowing me to pay my loan over the phone. I tried several times but it failed. The automated system was telling me that my payment was submitted successfully but then he payment never should up and I was keeping on being charged interest for a full month extra. I tried over 5 times to make payments in that month but everything was failing. I was away on vacation so it was impossible for me to go into a branch and make a payment.
After I filed a complaint requesting a refund for the interest charged as a result of the HSBC bank error I received the attached letter as a response. This was investigated by an HSBC Customer Relations Manager XXXX XXXX.
The response is full of lies and inaccuracies. I have the following issues 1 ) HSBC is claiming that the payments were not successful due to missing information. I have a letter from HSBC confirming that the reason the payment did not go through was due to the fact that phone payments are not an option. And my payment needs to be submitted in branch. So it was NOT due to missing information ( see letter attached ).
2 ) The payment on XX/XX/XXXX was also not successful. I ended up making a payment in branch on XX/XX/19 for the amount of {$35000.00} ( See attached check ).
|
| 08/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
HSBC on XX/XX/XXXX completed a loan modification for me on loan # XXXX. HSBC performed an Intentional fraudulent modification without my knowledge and Unapproved documents were never presented to me. Concealment of the loan documents were never provided when requested. HSBC failed to disclose terms and conditions of the modification and failed to disclose the modification period. HSBC never informed me anything regarding the XXXX XXXX XXXX XXXX. Since the modification HSBC has since sold the mortgage to XXXX XXXX XXXX XXXX ( XXXX ) # XXXX ... XXXX XXXX XXXX contacted HSBC on my behalf shortly after XX/XX/XXXX and requested the modification loan documents. The loan modification documents were not able to be located per HSBC. Since that time I attempted another modification with XXXX however the 30 year term and interest rate were to extreme. I had already resided in the mobile home for 10 years and now XXXX was asking me to accept another 30 year mortgage at a 9 % interest rate in which was too substantial for me. I owe more than what the mobile home and 5 acre property are worth. I am currently contemplating a foreclosure and short sale of my property. Since the loan modification I have paid fees and high interest rates due to HSBC
|
| 04/09/2017 |
Yes |
|
|
|
Web |
|
|
Please see complaint for background : XXXX. This is still not resolved ; I am unable to find attachment CFPB tells me is bank 's response. Problem was 1 ) bank 's cancelling of my checking account with no warning for no reason other than I did n't comply with something I had complied with. Since then I accidentally learned checking account is open AND THEY ARE BILLING ME MONTHLY FOR EMPTY ACCT & gt ; X 6 MOS. ( wondering now, if they had to bury that account for some reason related to the XXXX XXXX subsequent thefts via ATM they did n't happen to notice. ) This, now, is the new complaint about the HSBC credit card # XXXX they canceled, which I earned about a few days after they canceled the checking account, causing me another ton of problems not limited to screwing up my credit reports and billing me 30 % PER MONTH NOW A SIGNIFICANT INCREASE!!! ( this is why I am currently late with payment because I want to resolve this first. ) BTW, just before HSBC cancelled all my accounts I was going to transfer my other cards to this card partly due to the good, previous, rate.
HSBC should be penalized and I should be compensated for the troubles they 've caused me that it has taken e 6 months now to try to clear up. I am not a well person.
|
| 04/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I have a credit card with my credit set at XXXX on XX/XX/XXXX I made a payment of XXXX using my stimulus money I received. I wanted to to start building a cushion in case any unforeseen expenses arose. I have only been able to pay the minimum due to the pandemic leaving my grown children jobless and they had to move back home. I have had plenty of hardships with my car and other issues, but I paid on time.
On XX/XX/XXXX a letter was sent to me from my credit card company telling me they have lowered my credit limit to XXXX basically taking all the stimulus I just put in. Eliminating any cushion I have for emergencies. This also will effect my credit rating since having your cards maxed out reflects in the score. That was another reason I had put all the money into my cards.
I feel like it was very suspicions that as soon as I put the stimulus in for payment they chose to drop my credit limit. I wonder how many customers they did this to. I feel they basically stole my stimulus money. This was suppose to get me back on my feet and give me room to breath. I get that I was at my limit for at least 8 months but heck these aren't normal times. I'm afraid to put any large some of money in there for them to lower my credit limit again.
|
| 04/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
HSBC sent an incorrect 1099-C early in XXXX showing I owed monies on a credit card that was discharged in bankruptcy XX/XX/XXXX. They admitted their error on a letter dated XX/XX/XXXX. Next, they sent an updated 1099-C reflecting a {$0.00} balance but used codes D and G as the reasoning for box 6. They stated that on the letter dated XX/XX/XXXX. They deny sending the form with D but I have it in my possession. The letter dated XX/XX/XXXX states that G in box 6 is within IRS guidelines.
1. State where you obtained this information from as you did not discontinue collections, the reason the debt is protected from being counted as income was due to my aforementioned bankruptcy.
2. Next, I do not appreciate the tone of this letter, " and will not be changed further. '' You broke the law twice, once by sending me to an outside collections company and two by sending me a 1099-C. If I would have been stupid and filed that I would have been liable for additional taxes on income I did not have to report.
3. This is my final demand for {$2000.00} in compensation or I'm going to pursue this with an attorney and go to social media with all of the proof of how you handle your business. I have given you more than enough attempts to remedy.
|
| 01/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I never received a welcome bonus after I had opened a new HSBC account following the instructions stated on the flyer I received from the bank. Since I set up a qualifying direct deposits last XXXX, the bonus should have deposited by XX/XX/XXXX. I contacted HSBC last XXXX to check the status of the welcome bonus and provided all the information the HSBC agent requested at the time such as my personalized code.
When I contacted HSBC via a chat on Mon, XX/XX/XXXX XXXX -XXXX GMT, an agent named XXXX has the following comments : " XXXX : As there is a concern already raised for you, I see there is a update from our team that they are unable to locate your application. '' I have an active HSBC checking account, which was opened with a personalized code for the promised welcome bonus. Thus HSBC 's inability to locate my application seems to be delaying tactic. If HSBC can't locate my application, it is HSBC 's fault and the bank should pay the bonus immediately but the bank keeps asking me to check back with them a few days later. I contacted them 3-4 times so far based on their recommendations. HSBC keeps stating that they need a further investigation, although they told me today that they are " not able to locate my application ''.
|
| 09/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2018, I applied on line for an HSBC credit card HSBC Cash Rewards Mastercard credit card. On XX/XX/XXXX, I wanted to cancel, and got into an online chat at https : //www.us.hsbc.comXXXX and they assured me that my credit card application has been closed or abandoned and that no derogatory credit mark has been placed on my credit history because there was a problem verifying my identity. Today XX/XX/XXXX, to my horror, I was informed that my credit report had a derogatory credit inquiry. I started another chat on line, and they told me that they can not remove my credit inquiry and that my credit card application has been denied. Since I wanted to cancel my application yesterday, and since they told me it was unnecessary for me to do so because my application has been canceled because of an identity verification problem, I feel I have been unfairly damaged by HSBC. Moreover, throughout this entire process, I was never notified by email verifying that I filed an application for a credit card, and thus had no way to contact them or address this issue. You need to subpoena the chat logs from XX/XX/XXXX saying that my credit card application has been canceled and that I need not worry as no credit inquiry has or will be made!
|
| 12/11/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
CASE # XXXX ( MORTGAGE LOAN # XXXX ).
The response letter dated XXXX XXXX, 2015 from HSBC/XXXX XXXX did not address the problem raised by me. The form for " payoff '' claimed to be mailed XXXX/XXXX/15 by XXXX XXXX and also mailed by XXXX XXXX XX/XX/2015..none of those was ever received. XXXX XXXX, 2015 spoke with XXXX XXXX, who said she was awaiting the return of UNDELIVERED MAIL TO ME. Failure to provide copies of those XXXX pieces undelivered mail with notations by Postal Carrier on envelope citing reasons.
Failure to also address XXXX XXXX questioning my ability, comparing me with others who may have failed to " payoff '' after receiving statement of high payoff amount. My response to her " why comparing me with others '' ..all of these conversations by phone 'recorded '' for records. She went beyond her bounds questioning my payoff abilities.
I am claiming a refund of interest {$39.00} for HSBC/XXXX failure to promptly provide the " payoff '' info requested ... that took me XXXX different times ( XXXX by letter/note, XXXX by phone calls.
XXXX XXXX XXXX 's XXXX XXXX, 2015 letter stated " late fees " in amount of {$42.00} assessed with transaction code # XXXX. Since establishing this HELOC, I was never late making payments.
|
| 01/31/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened an HSBC checking account online on XX/XX/2018 after I clicked an advertisement link on their official website. As per the advertisement I was supposed to get XXXX $ welcome bonus, if i maintained a balance of {$1500.00} for 3 months. I maintained the balance for 3 months and then chatted with them, they said it will take 8 more weeks to get paid the welcome bonus. After 8 weeks I chatted with them again and this time surprisingly they said that I am not eligible to get the welcome bonus, even though i met with all the criteria required. The excuse they are giving is false and vague. They are saying that I did not click the right link to open the account and hence can not get the bonus. First of all why there was a wrong link in their official website to open an account? Secondly when I chatted with them for the first time after 3 months, they did not mention anything about wrong link that will disqualify my bonus eligibility. Thirdly after luring the customers about welcome bonus, why they are deliberately singing them up using the wrong link if thete is any such thing at all? Fourthly why am I still getting the false advertisement email in my registered email id given the fact their intention is to cheat the customers?
|
| 09/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
Due to a fraudulent scam activity, a check of amount USD XXXX from my account was cashed out by someone. As soon as I became aware if this fraud/ scam, I called the bank to report. I filled out and submitted fraudulent activity form and also filed a report with the police.
The bank used delaying tactics and asked me to contact one after another person / customer service. In order for police to take action and trace down the suspect based on my report, police investigator asked that I contact my bank and get the address and other details where the check was cashed out. I requested my bank numerous times but they again used various delaying tactics and excused that the back image of check was not readable. After repeated attempts and insisting that bank should use money tranfer process to trace where the check was cashed out, finally the bank released partial info but by then it was too late ( over about two years ) that police have closed my report. When I asked my bank to reimburse me, I was informed that bank can not reimburse me because it was too late. Hence, I lost my {$550.00} from the bank due to its delaying tactics, refused to give me the details asked by police department and the bank not being able to secure my money.
|
| 04/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Ive have had problems with XXXX XXXX for sealing consumer funds and then sending the consumer to collections leaving the consumer to flip the bill and stealing funds during bill pay debits taking funds assigned to pay a bill creditor claims never received bank show debit but no knowledge of actual funds making it where you have to pay twice on 1 bill, HSBC I found that money will just come up missing with call center and in branch having little to nothing they want to do to help recovery funds, XXXX XXXX XXXX is the only bank that I give award to for outstanding service great with transfers debits and accuracy XXXX XXXX cool made mistakes in the past but fixed them along the way better customer service reps then previous XXXX XXXXXXXX XXXX as well with accuracy but will bug you to XXXX XXXX with text and emails every 5 mins I turned it off and they still do it America as a Corp great I found little to no flaws with them they are very text book and has always offered the helping hand where fair is due they have maintained fairness along the way so for them that means perfect score the only problem I found was the interest accumulation on taxes if that is not paid in a small t of time it turns into the original balance or double
|
| 08/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a new HSBC Advance checking account with {$350.00} new account promotion online in XX/XX/2018. I fulfilled all the promotion requirements by applying the account online and maintaining over {$10000.00} balance. The latest time when I would receive the {$350.00} bonus, based on the promotion terms and conditions, should be before the middle of XX/XX/2018. But till now, XX/XX/2018, I still did not get the bonus.
I tried almost 10 times to contact the HSBC customer service. After checking the promotion 's terms, all the representatives agreed that I satisfied all the promotion 's requirements. They even told me my case was reviewed and the bonus credit was approved by a manager. The latest date, when the bonus credit was promised to be posted on my account, is XX/XX/2018. BUT, today is XX/XX/2018. In addition, most of the representatives asked me to wait and promised that somebody was working on my case. BUT, waiting after waiting, nothing was updated for my account balance. All in all, I met all the new checking account promotion 's requirements. But HSBC Bank USA did not give me the bonus as promised. The bank wasted a lot of my time without correcting their fault, even though I had contacted them for almost 10 times.
|
| 01/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have just been reading about the HSBC Advance Checking Maintenance Fees ( that have been deemed illegal in some countries ) and checked my own checking account to discover they have been charging me $ XXXXmonth for years. I never use this account ( other than for transferring money between US and XXXX HSBC accounts ) and they have charged me an incredible amount of money. The search function on their website only goes back as far as 2016. But I think these charges go much further back.
This account was mis-sold to me. I had no idea I would be charged a fee for going below a certain amount. If may have been buried in the Terms and Conditions but I was not properly made aware of that.
I have other Checking Accounts with XXXX XXXX and XXXX, which do not charge me a fee.
I feel very XXXX for not checking my statements but I have also not been told before/during the opening of this account that I would need to pay a fee ( for literally no service ).
These " packaged accounts '' have been deemed unethical in many other countries : XXXX XXXX XXXX I am happy to adhere to the policies of the account in the future ( now that I have been informed of them ) but this taking thousands of dollars from my account is not acceptable.
|
| 02/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
This is an append to my previous complaint : XXXX - I am not satisfied with their poor answer and unprofessionalism to avoid all the problems that i have already raised around the issue.
The HSBC financial institution didnt respond to all my concerns and the horrible customer service i have met along this journey.
Here are a summary of why i am submitting new complaint : 1. The poor service of their customer services on phone and through the online chat 2. The ticket that i opened to get guidance on my issue, and no one did provide the feedback 3. The call of the manager that i did not receive as confirmed with the agent on call 4. During the process of investigation, i sent more than one email to someone called XXXX. She was sending template emails without answering my concerns. I need to escalate his unprofessional behaviour of using template avoiding to take time to reply in a customized response to my concerns.
5. The wire transfer didnt work before and they are not even aware of this issue in their response. They confirmed the contrarily 6. The time, efforts and money that i lost because of the above poor performance client service Please i need to re-escalate this complain to re-investigate again these pending issues
|
| 11/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted by a company claiming to be XXXX XXXX XXXX. The initial phone call came from a number close to where I live ( XXXX ) XXXX a recording was left stating This message is to notify XXXX XXXX XXXX of a pending matter in our office that is in the process of being reviewed today, we will be verifying your current address as well as place of employment to deliver proper documentation at this time you do have the right to contact the office directly at ( XXXX ) XXXX again that number is ( XXXX ) XXXX. This will serve as your official notification by phone for immediate assistance.
I was notified by a woman named XXXX I had an account in collections with the above stated company.
The original creditor : HSBC Account ending # XXXX Address my current address I advised her I had no recollection of said account and have never done business with the company. The woman hung the phone up in my face without any other information given.
I called the alleged original creditors fraud department and the representative advised after doing a search by my social, they had no record of me having an account with them. I have never had any affiliation or sought out credit from this creditor, nor are they listed on my credit report.
|
| 02/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
In mid-XX/XX/XXXX, I opened a XXXX Checking account with HSBC with an initial deposit of {$1500.00}. Two months later, I received the letter I've attached dated XX/XX/XXXX. They used vaguely threatening language to convey to me the notion that if I didn't provide them with unspecified additional information, my account might be closed. They provided a toll-free number to call.
On numerous occasions since then, I have tried without success to reach them. There have been hold times up to 30 minutes without an answer ; their system offered to let me leave a call-back number but I was disconnected ( twice ) upon selecting that option ; twice, I selected that option and was told the mailbox was full ; and twice I was able to leave a message including my call-back number, but I've heard nothing. I've tried other HSBC customer service numbers, but I was told I needed to call the specific number on the letter. I've tried their Chat feature on their website but was told I needed to call the specific number on the letter.
In short, I have gone to extraordinary lengths to try to comply with their request, but I've been thwarted at every step. I'm through trying. I'm seeking your help in punching through their barrier to contact them.
|
| 01/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
HSBC BANK credit card services closed my credit card for no reason.
They claim that have sent letter to me. I have not received any communication from them in this matter.
This was my oldest account of all credit accounts I had over 3 years old.
Again I've not violated any of the HSBC BANK terms etc.
Never had a late payment pay all my bills on time. I've been with HSBC BANK bank since 2017. I have not received any letter from them. I have HSBC BANK app on my phone and have not received a similar communication.
I demand that my cards are re -opened immediately. My card has been closed in violation of the Lending Act, EO Act and FCRA act.
1.HSBC BANK has violated my rights to Safety, by closing available credit line I had at my disposal for no reason.
2.HSBC BANK has violated my rights to be heard since have not taken any action. I've contacted them and they have not heard my concern.
3.HSBC BANK has violated my right to information, by not sending the communication in all available methods.
4.HSBC BANK has violated my right to choose by not letting me have a choice and single handedly taken action against me.
Again I demand Opening my account immediately and recovering and reporting all my history to the bureaus
|
| 02/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened an Advance Checking account with HSBC in XX/XX/XXXX and closed it in XX/XX/XXXX.
Since I earned more than {$10.00} interest from the account in XXXX, I was waiting for my 1099-INT. However, it has not been delivered to me, yet.
I tried to log into online banking system to see if my 1099-INT would have been available there, but I was not able to log into online banking system.
I was told later by an HSBC representative that I would not be allowed to log into HSBC online banking system since I did not have any active account with them.
So, I asked two different HSBC representatives to mail my 1099-INT to me two different occasions around XX/XX/XXXX.
Both of them insisted that HSBC 's practice would be to mail 1099-INT by XX/XX/XXXX of each year, which seemed odd to me because I believe banks are required to mail 1099-INT by XX/XX/XXXX of each year by law.
They might have intentionally lied to me to avoid their responsibility or HSBC 's general practice may be in fact out of compliance.
Anyway, they also insisted I should have waited few more days after XX/XX/XXXX. So, I did, but I haven't received my 1099-INT from HSBC, yet.
I couldn't filed my tax return only because of the missing 1099-INT from HSBC.
|
| 11/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American, Servicemember |
|
I opened a new Choice Checking account through HSBC 's web site link that offered me a {$200.00} bonus if I deposited {$1500.00} within 30 days and keep minimum balance of {$1500.00} for 90 days. Since I had an existing old account from years past with a balance of {$.00}, I contacted HSBC customer service through the Chat option on their website. I was told ( have copy of the Chat ) that the rep would close the old account and I could proceed with opening the new account and I would qualify for the {$200.00} bonus. So I did exactly what the Chat representative told me to do. It has been over 4 months since I deposited the {$1500.00} in the new Choice checking account. I have opened 2 cases with customer support on this issue and the last case is # XXXX opened on XX/XX/2019. Each time they ask for additional information which I give them but they close the case without contacting me or asking for any other information like a copy of the Chat which supports my claim. I believe they are intentionally trying to defraud me and not honor the {$200.00} bonus commitment they made to me. Today I requested a transfer of my balance to another financial institution and will proceed to close the account once the transfer has completed.
|
| 02/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
At approximately XXXX on XXXX/XXXX/XXXX I was contacted by phone at my residence by a man claiming that he was in the area representing a firm by the name of XXXX. The firm was sending him to serve me with sealed legal documents that would require my signature. He stated I was being sued by XXXX of their clients. When I told him that I have no idea what he 's speaking of or who would be wanting to sue me, he then gave me XXXX and case # XXXX and told me to call the firm and they could explain. When I called the number the rep told me this was in regards to an HSBC debt of {$1200.00}. A debt that I have disputed since XXXX and more recently in XXXX. When I explained to the rep that I have never received any notice in writing from their firm and that I still dispute the debt. I was then told I had to pay in full immediately or I would be served legal papers today taking me to court. When I refused I was then offered a settlement for the half the amount. When I refused I was then sent to another dept and offered some kind of payment arrangements. When I continued to dispute the debt I was told I would be served legal papers today or within the next few days and they would see me in court. Then the firm abruptly hung up on me.
|
| 10/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2018 my XXXX XXXX premier account ( account # XXXX ) had been hacked, and being illegally transferred out twice ( {$2800.00} & {$6200.00} ). I noticed the same day while I was in XXXX, I called HSBC Premier customer service line ( XXXX ) I was being switched to HSBC fraud department. All my XXXX XXXX accounts ( premier, saving, checking, business and credit accounts ) were suspended. I could not log into my account online anymore. I came back to New York on XX/XX/2018, went to HSBC XXXX branch to learn that my account was being hacked many times since I reported. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, hacker came in and transferred money out freely.
On XX/XX/2018, I filed a complaint with CFPB because I was in XXXX could not get response from HSBC. The complaint number is : XXXX. I received your letter 2 days ago telling me that this complaint is closed. My money is not recovered completely yet. HSBC efraud team refused my phone calls several times, they asked me to branch, when I went to HSBC several branches and I was told to contact my account manager. My personal account manager left HSBC more than 2 months ago, but on their system my account manager is still he.
|
| 04/02/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Servicemember |
|
My husband and I opened a online bank checking account in my name only ( his wife ) in midXX/XX/2021. We had the funds to be transferred from a savings account in my husbands name only. We provided the funding bank name, account number and routing number with the amount to be withdrawn. Several days later,XX/XX/21, I received an email from the receiving bank that my opening account deposit had been processed. The email gave an initial deposit item #, amount funded, FROM acc. bank name, FROM acc. bank #, TO acc. bank name and TO bank #. All account numbers were x out.
To this dateXX/XX/21, I have not received the funding for that account. I have contacted both the funding bank and the receiving bank by many phone call and one email complaint to no avail. I have documents from the funding bank but nothing from the receiving bank. They ( the receiving bank ) basically said they have researched but cant find where the funds were deposited and left it with no resolution.This was a very large amount ( {$75000.00} ) that was withdrawn from the funding bank.
If you can please help me with this issue, it will be greatly appreciated.
Thank you.
Do you want me to send copies of documents now or later when I hear back from you?
|
| 05/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
I was a XXXX many years ago. I applied for a corporate credit card. I was told over the phone ; while completing the application that the company would have to use its tax ID to apply for credit. Since it 's a corporation I can not be a personal guarantor. The organization went down under and was not able to pay its bill. The business was dissolved and has since been defunct for about 10 years. Since 2011 I 've notice that XXXX judgment was placed against me totaling XXXX. I have no idea why this company is going after me, knowing it is the company that is responsible for the debt and not me. Last year my mother got a letter from a law firm requesting for me to be present. I went and was asked questions without legal representation. I was afraid of what the attorney was asking so I inform the attorney I have legal representation and would not answer any questions. I move a lot because of my mother inability to pay her rent so I usually do n't get follow up mail. HSBC is the company that issued me the credit card for the organization. Their collection agency has went to court in New York and put a judgment against me. I was never served or was informed about anything. Not once I was given the opportunity to give my side.
|
| 03/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I did a balance transfer for a 0 % rate with HSBC back in XXXX and just realized today ( XX/XX/XXXX ) that I've been getting charged over 16 % interest on it. I have never received a statement or a letter telling me I wasn't getting the 0 % and in reviewing finances today saw this. I attempted an online chat with the company then had to call twice and explain the situation having been disconnected the first time and was told that the offer expired XX/XX/XXXX but they didn't process it until XX/XX/XXXX which is why I didn't get the offer rate. I told them I didn't agree to paying the higher rate and someone should have contacted me to ask if I still wanted it processed. I paid it off immediately today after finding this out but want them to refund the finance charges as I've now been charged {$560.00} I wasn't expecting on this over the last 9 months. I feel as though I've been cheated and am blown away they could do this without notifying me that I would paying over 16 % on this, I never would have had them process this balance transfer had I known that. They said they can refund me {$26.00}, a half month of finance charges but that is it. I have asked for it to be further elevated but I'm not confident that they will.
|
| 07/13/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
In XX/XX/XXXX of 2006 we took out a " home equity '' loan from a company call XXXX XXXX a division of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. Yes, we were XXXX. I 'll get that out right off the bat. But, this was all so questionable/illegal, at least in my opinion. They valued our house at {$170000.00}. Our house was never worth that much, ever. They somehow made that number up. we only paid {$120000.00} for it. This has to be illegal. to over value a property so they could loan {$40000.00} on it 's supposed equity. we had only had the house for a few months so there was no way there was {$40000.00} in equity in it. then, the original loan papers said the interest rate was 13.5 %. what happened next has to be illegal too. XXXX XXXX, which is actually owned by HSBC mortgage, " sells '' the mortgage to HSBC. then the interest rate goes up to 18.574 %. We have paid {$53000.00} on this {$40000.00} loan. from the original contract, they expected to be paid {$110000.00} for the loan. Now, we did XXXX sign that paperwork, but the load never should have been made on a house that was purposely overvalued at {$170000.00}. there has to be some remedy for this predatory lending. It is killing us.
|
| 01/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
|
I've had a credit card with HSBC for a few years with a {$6000.00} credit line with no payment incident or anything. I hadn't used it for a while and there was no balance due. When I tried to use the card recently, it was declined. Yet, when I went online, my account appeared OK. When I contacted HSBC by chat, I was told that they had closed my account for no activity. They said that they had sent me notices to that effect but it can not be true since I did not receive any and yet I keep receiving their Credit Card Newsletter and in addition there is no mention whatsoever of my account being closed on their online banking. I asked them to please reinstate my account and they refused. Then I looked closer and saw that, although my account wasn't closed ( and is still not closed as of today XX/XX/XXXX as you can see on the screenshot attached ), my credit line was reduced to {$0.00}. Upon checking XXXX, I discovered that HSBC had declared my account closed as of XX/XX/XXXX, hurting my credit score for no valid reason. I placed a complaint with XXXX for false information but haven't heard yet. This behavior from HSBC doesn't seem correct, perhaps not legal. I hope you can intervene to stop HSBC in their dubious behavior.
|
| 12/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
RE : Complaint XXXX about HSBC HSBC offers a {$200.00} bonus to open an online checking account. I applied months ago and was declined. The ending questions were supposed to be about my credit, and none of the questions were about me or my lenders. I complained to CFPB. HSBC just replied this date, XX/XX/XXXX, saying they did nothing wrong. So I tried to apply again and was declined. This time I printed everything. Question 1 asks me if I opened an account in XX/XX/XXXX from XXXX, XXXX XXXX, XXXX, or XXXX. No, I didn't. These are not my accounts. Question 2 asks me about XXXX XXXX ; yes, that's my account. Question 3 asks me about a mortgage I opened in XX/XX/XXXX, but that mortgage company, XXXX XXXX, is not listed in their multiple choice. Question 4 wants me to report the mortgage monthly payment, and my payment is higher. Question 5 says I closed an auto loan, but XXXX is not listed. I obviously will not be able to open this online checking account and receive the {$200.00} bonus because it expires in 2 days. Please see the printouts I've attached. HSBC says " Unfortunately, there were discrepancies in the information provided when compared to your credit report and the applications in question were declined. ''
|
| 03/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This is a complaint from XXXX against HSBC for HSBC 's failure to provide requested information for the debt alleged. As of XX/XX/2017, HSBC has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
|
| 05/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
HSBC Mortgage Service Center is my current lender. I filed Bankruptcy in XX/XX/XXXX and discharged in XXXX XXXX. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as XXXX XXXX. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with HSBC as well as XXXX, XXXX and XXXX to no avail. I have attempted XXXX times with all supporting documentation ( Bankruptcy Discharge dated XXXX, payment history, credit report showing inaccurate information ) and neither HSBC nor the credit bureaus are willing to help. Both point to each other that it is their responsibility to correct this on my credit report. I desperately need assistance in having HSBC Mortgage Service Center be added to my credit report with the correct payment history and correct BK date of XXXX XXXX. I can provide all supporting documentation to you if needed. I appreciate your time and assistance and can be reached at XXXX.
Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, VA XXXX
|
| 11/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I was called several months ago regarding the same " Credit Card Debt ''. I told them to send me information via mail and he said 'He could not do that, they were passed that step ' and he told me " Good luck in court. '' I didn't hear anything for several months. Today, my husband was called by the same company about the same " Credit Card Debt '' and was harassed. I called the company back and left a voicemail. They spoke to me using a name I have not used in years. They had an address I haven't lived at in years as well. This credit card debt they said I had, I called that company and they have no record of my current name or previous name to attempt to resolve this matter with the original company I had " alleged '' debt with. It is also not on my credit report. I called them back today to ask about said debt and asked if they were going to send me any kind of paperwork and I was told they are 'passed sending anything else via mail or email. I refused to pay anything over the phone that this company can not prove. While filling out this report I received another call from this company ( I am currently on hold ). How do I get these people to stop harassing me and my family over something that is false? Thank you.
|
| 03/31/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
I am from the XXXX, and had a savings account in the US with HSBC. I closed the account last XXXX, but only received the cheque for the balance in XXXX this year. It was impossible to contact the bank. It was impossible to get through their automated phone system, as I do not have the items of ID requested ( as I am not a US citizen ). I emailed them, wrote letters and phoned on numerous occasions before finally getting my money 7 months later. No apology, no explanation, and seemingly no reason for the ridiculously long wait for my money. It has been the most frustrating experience, and with no way of contacting anyone of import at the bank itself, I want the world to know how horrendous and incompetent they have been with sorting out this situation. If I could find the name of the chief exec of HSBC America, I would have just written to them, but this seems impossible too, so, I have resorted to this! I would not recommend using this bank to anyone! The levels of frustration - and indeed anger - is incredible, especially as it all seems avoidable. I would love to have an apology from the bank, if not some form or compensation - as I missed 7 months worth of interest on the money they still had ( over {$3000.00} ).
|
| 07/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I was looking for a new renowned international bank with a presence in the US, since I travel a lot. I came across an offer from HSBC US for a Choice Checking account, which included a welcome offer of {$200.00} when activity was met. The nearest branch is about 15-20 minutes from my house so I decided to apply online. I can't describe how frustrating it has become dealing with this bank. After about 30-40 questions and a 30 minute application process, it states all applications need to be verified and somebody would contact me back in 48 hours. The days went by and I called, I was connected to an overseas call center and they explained me I had to wait some more. I asked to speak with a supervisor and I was told they have no supervisors. I waited some more and called again, I was told I need to contact each Credit Bureau and submit a copy of my credit report in writing to them. What the heck? Never in my life have I been asked to submit a credit report. They can do that themselves. Why in the world are we as a country allowing this bank to operate in our country? By the way, at the end of the last call, the person called XXXX told me : " I need you to hang up now sir, we're done here ''.
Reference Number : XXXX
|
| 02/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
In XXXX, I opened an HSBC account checking with my wife XXXX, as well as an investment account for my ROTH IRA. The checking account came with two debit cards ( one in each name ). XXXX has never used her card and it has never left the house, but we were just contacted by HSBC about potentially fraudulent charges. There have been two charges at an XXXX store in XXXX, CA first on XX/XX/XXXX, and a second that shows as posting XX/XX/XXXX. These were accepted by the bank, but then an attempt was made to charge a hotel room ( XXXX XXXX ), and this was blocked by the bank, triggering a call.. We know that the card has never left the house, and has been locked away in a drawer in our desk. It has never ben used online, and has never been attached to any payment service etc, and we have never recorded the card number in any written or electronic document. We are certain that the card information has not been stolen from us so I have to conclude that somehow the information came directly from HSBC bank, or some affiliate. I have told them this, but I have no confidence that they intend to investigate this. The amounts were small, but if this information leaked from the Bank, then this is potentially a very serious issue.
|
| 05/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
For four weeks ( starting around XX/XX/2020, if not before ), I have been unable to access my HSBC US checking account either via the website or via the HSBC US mobile app. Consequently, I am unable to check my balance or perform any other operations, which is especially difficult at a time of such uncertainty.
I have been making almost daily attempts to access online banking. I get as far as the prompt to enter my user name. After clicking Next, I get a generic error message. On the website, this message reads simply : Error Occurred The system is currently unavailable, please try again later.
On the mobile app, it currently reads : Service unavailable We're sorry, this service is temporarily unavailable. Please try again later. XXXX ( For a while, it previously read along the lines of ERR_GENERIC_NO_TITLE. ) On Thursday, XX/XX/XXXX ( over a week ago ), I contacted HSBC via the online chat. After being asked to provide some likely irrelevant information such as whether I had tried using a different web browser, I was told that the issue was not down to any problem with my account, and that it should be fixed within one day. Since that time, I have not received any contact from HSBC, and the issue persists.
|
| 10/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
On XX/XX/2020 a transaction for {$160.00} was taken from my checking account when the transaction was declined. I spoke with hsbc customer service and was told to fill out dispute form. I downloaded form, completed and returned. Waited 30 days and heard nothing. Called hsbc customer service and after 45 mins of rep trying to find out why my dispute was stopped/cancelled was told I had to fill out different dispute form because it was an ACH withdrawal/payment! Ok downloaded new form, completed and faxed back ( with verbal confirmation of receipt ). Waited 30 more days with no update. Spoke with customer service and told I would receive an email with update.
On XX/XX/2020 I Received email saying, Upon checking the records we notice that, we have received the form but we are unable to process the dispute as you have not selected an option in the form.
So I resubmitted the EXACT SAME dispute form because after rereading it I still couldnt figure out what I did wrong ( the hsbc customer rep couldnt figure out what I did wrong or what they where talking about not selecting an option )! THEN when I called to verify receipt of faxed dispute form I was told it was over 60 days and couldnt file a dispute anymore!!
|
| 06/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Older American |
|
I made a balance transfer to a new HSBC card, which I soon afterward realized I had made in error. Within 10 minutes of completing my balance transfer request, which I was told would take 7-10 business days to process, I called HSBC back and spoke with XXXX, who I had spoken with at the end of the balance transfer earlier. She told me it would take 7-10 days to cancel the transfer, but she worked in Escalations and would attempt to get the balance transfer stopped, given the short amount of time since the balance transfer had been requested.
Unfortunately, it was necessary for me to be hospitalized yesterday due to a previous injury and when I got home and looked into my XXXX accounts today, I realized the transfer had already been done When I called HSBC to clarify this, I was told if the transfer was done electronically, which I was not told during the entire BT process on XX/XX/2020. Now both XXXX and HSBC are telling me the transfer may not be able to be cancelled. I feel there should be a time frame to allow cancellations, especially when the customer is told it would take 7-10 business days to process, not one day if done electronically. Now HSBC is giving the same 7-10 days to cancel it, if at all.
|
| 11/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Phone number XXXX called multiple times and called family because of alleged debt. They were unable to tell me the original debtor, said it was HSBC, but there were many companies under that label. I was told that mail was sent to an address that I haven't lived at since XXXX. I was told that I made payments until XXXX-I most certainly did not. I asked repeatedly for written documentation of the debt and I would be happy to settle the debt. My request was refused. I asked why it has been all these years and it's just now becoming an issue. I was told that it was the collector 's fault and the original creditor decided to pursue the matter, BUT they could not tell me who the original creditor was. I was told it was a Mastercard, I was told it was a Visa, I was told it was opened in XXXX, I was told it was opened prior to XXXX, I was told that it would be submitted to XXXX county, when I asked why it would be submitted to XXXX county, since the address in question was not in XXXX county, I was told it was a mistake, that it would be sent to XXXX county where the account was opened. All I asked for was a written document of the debt and was denied. This was either illegitimate or they were just being difficult.
|
| 04/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/22, I contacted HSBC credit card to dispute a charge of {$140.00} to XXXX XXXX.
On XX/XX/22, I called to follow up on the dispute and was advised to email their dispute department with the details of the dispute and reference case id : XXXX. I emailed the information.
On XX/XX/22, I called to follow up on the dispute and was advised that they were still working on the dispute.
On XX/XX/22, I called to follow up on the dispute and was advised that they were still working on the dispute.
On XX/XX/22, I received a correspondence from the company asking me to hire a professional beautician to write a letter to attest to my dispute.
On XX/XX/22, I provided the company with a letter from the professional.
On XX/XX/22, I called to follow up on the information that was provided. I was blind transferred to the dispute department and was on hold for over 1 hour. I called back and was advised that they didn't have any knowledge of the letter that I sent in. I had to pay {$25.00} for my beautician to write the letter for me.
This company is so unprofessional. I had a prior dispute that they didn't send any correspondence in the mail until after 60 days.
I need my money refunded back to my card.
|
| 01/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date - several beginning XX/XX/XXXX This collection agency called my ex-wife, daughter and several other family members telling them there was a garnishment action that was ordered and filed and that immediate legal action was going to take place. When I called back the number that this company gave, they said this was a collection from 10 years ago that was not satisfied. When I asked them about further details, they made fun of my XXXX XXXX, said I was XXXX and i should go XXXX XXXX XXXX my dog. This call happened on XXXX XXXX onXX/XX/XXXX.
When I called back, they hung up on me. Furthermore, I requested on this day that the contact me no more.
1 ) This company is representing themselves as a legal arm of the Government with power or as an attorney.
2 ) on XX/XX/XXXX I registered on the National do not call log - this call should not of happened 3 ) I feel my rights as a XXXX person was exploited 4 ) This company identified as a representative of H.S.B.C who I could not confirm as legal representative of this company.
5 ) If what they said was correct, this dept based on conversation with representative, is well past the 7 year window for collection
|
| 08/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity were stolen. I have n't been in United States since XX/XX/XXXX. I came back just XX/XX/XXXX and found out that someone used my intel for more than 7 years, opened credit cards. Now I am trying to dispute all inaccurate accounts and debts because I did n't. I filed reports to FTC and police. Also, I tried to contact XXXX XXXX XXXX XXXX, the collection, which bought one of the debts. I wanted to explain my problem and expected understanding and cooperation as I have rights to dispute not my accounts and debts. I called to this company XX/XX/XXXX. Firstly, one of the employees asked my data to find a case then transferred me to the administrator as she said. This administrator just said I had a court. When I tried to explain to her that my identity was stolen and I have never been in California in my life, she just made fun of me and my not perfect English language, then said " buy XX/XX/XXXX! '' and hang up on me. I tried to call again more times, but this company blocked my number. I sent them a letter with request to close this fraudulent account, but there is no response. They violated my rights, in accordance with the Fair Debt Collection Practices Act, to stop collection proceedings against.
|
| 06/09/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
Servicemember |
|
They claim they are from a clerks office with legal documents, for me, and want to take me to court. i asked to speak to speak with a supervisor. I was transfered to XXXX today. he told me my number was removed in XXXX. i told him I just received a call and he asked if this was me, and i replied yes. He then replied well that 's why we are calling. I inquired as to what this was in regards to, and he said an HSBC account.
I advised him that even if i owed money on the account that the statue of limitation had expired, since i have not had this account since 2004. He advised me that it does not matter i still owe the money and they will continue to call. i asked for the company name and address so that i can send a cease communication letter. He refused to provide it and told me that i am a deadbeat, and the reason the economy is so bad. I also asked for a bill or verification letter, and was advised they have already sent them, and it is to late to receive anymore.
They have also started calling and harrassing my wife today.
Listed in order from the last call to the first is the numbers they have provided to call back. When they call it says no caller id information is available. XXXX, XXXX, XXXX.
|
| 10/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a line of credit with HSBC way back XX/XX/XXXX. Last XX/XX/XXXX, I went to HSBC 's XXXX XXXX XXXX ( XXXX XXXX ) to close this account. After a few months, I just realized that the account was not closed. I DID NOT receive any form of notification ( email, letter, phone call ). Not knowing about this account still open and just knew about the balance, I immediately paid HSBC. This company not closing the account and not letting me know had caused my credit rating to drop! I called HSBC last XX/XX/XXXX and also went back to the branch last XX/XX/XXXX to resolve this issue but HSBC refused to help.
If I only knew about the balance. If only I was notified, and if only this account was closed the day I requested them to close it, then I would n't have this conundrum. When I went to the HSBC branch in XXXX XXXX XX/XX/XXXX, they realized that they have an incorrect email address. I would have paid whatever balance is owing in a heartbeat if I was notified. I 've had HSBC since XX/XX/XXXX and had two accounts with them, a revolving account and a line of credit. I never imagine myself ever having this issue and being financially affected by a company I 've had an account with for more or less TEN YEARS!
|
| 10/14/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I received an income execution dated XXXX/XXXX/16, from XXXX and XXXX, which are the attorney 's for XXXX Receivables, however neither of these agencies have proviced me twith proof of this debt, or even who the original creditor is.
I have requested documentation, as well as justification for the {$2000.00} in interest charges, which seems to be an exorbitant amount, on the original amount of {$2200.00} that they have indicated that I owe. This amount of interest charged, should be illegal and improper!
I am working a full-time job, earning only {$12.00} per hour for a total gross of {$480.00} per week. At this time, I am paying {$200.00} per month due to this income execution. I am only bringing home {$320.00} per week or {$1200.00} per month ; which I use to support myself and my XXXX brother ; without assistance. It almost makes me think that being employed is pointless.
I am already living below poverty level and these unfair debt collection practices and the debt collectors prey on people who they already know do not have the money or resources to challenge them.
Any follow up or assistance that your agency can provide me with I this matter would be extremely helpful and greatly appreciated.
|
| 01/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
HSBC Mortgage Services Inc . I am trying to pay off this loan and in the end they are doing everything they can to keep getting interest. There is no way other than calling to make a principle only payment, and any payment you make just keep pushing your next payment date out. i call to get it reversed every time and have to have a 30 min phone call to get it fixed. they next time i call to make a principle payment, i clearly state what i want, she even tells me what i am calling about. in the end she puts in wrong so i have to now call back and get it applied to the principle. if i do my monthly payment on line and i make it for more than the amount do, any extra is put into an unapplied funds account that they just get to hold on to for a month and not apply it to my account again gaining interest and they get to use my money for a month for free. I have called them to make sure all funds get moved to principle payment, and they said they put a note in the account but can not guarantee that it will be applied every time. there web site is lacking the basic functions that any lender should have on there web site. will not use HSBS for any other banking needs for the rest my years left on this earth.
|
| 03/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XXXX has failed to send the legally required validation or response to my request for validation of account number XXXX. I have sent you Debt Validation Letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, and XX/XX/XXXX, having return receipts signed by you ; suggest that you have received the letters.
I. XXXX/HSBC/XXXX XXXX knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me.
II. XXXX/HSBC/XXXX XXXX failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.
III. XXXX/HSBC/XXXX XXXX communicated and is continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX.
As a result of these blatantly reckless, malicious, and intentional acts, I have suffered and continue to suffer general and specific damages. I am now demanding the immediate and complete removal of this tradeline from my credit reports Please understand that I am extremely concerned about the consequences of the actions XXXX is having on my life and would like a quick resolve.
|
| 10/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I filed a dispute on XXXX XXXX for 2 purchases. One purchase was XX/XX/20 for XXXX, and the second charge was on XX/XX/20 for XXXX The card was declining at the stor register on XX/XX/20 so we used an alternative source of payment for the purchases but the card was still charged.
The second dispute transaction on XX/XX/20 was an unauthorized debit feoma collection agency that did not have my permission to use that card but the charge was deboted anyway. I have reached out to my credit card company multiple times since the
original dispute date XX/XX/20 for the purchases to be credited back to
my account and they refuse to do so. I sent them documents needed via fax, mail, email and 4 agents have so emailed that department and they still have not honored my request. They sent me a statement today that still had those charges included on the balance. I spoke to a representative today XX/XX/20 that stated they need receipts for purchases.. but I did not purchase these items at all.
I am being treated poorly and unfairly and have have sent in correspondence through 6 agents, both of my email accounts, fax and email. I have done my part but they refuse to help me. I want to file a report of abuse.
|
| 08/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I applied for an advanced checking account at HSBC US for {$350.00} bonus on XX/XX/2019. After approval, they told me by email to set up a device for more security. I did that on my old phone. I bought a new phone on XX/XX/XXXX and tried to migrate from the old phone, but there is something wrong with the bank 's app ( I need to enter some number from the old device to the new device, but after I did that the app on the new device had no response ). I tried several times and on XX/XX/XXXX they told me to call them since they thought there was fraudulent behavior on my account. I did that, and they told me my phone number is not on their file so they can't identify my identity through text so I need to go to an HSBC branch ( asked them several times if there is any other approaches but none ). They sent me about 10 security codes while I was applying for the card, so I don't really know what they mean by my phone number is not on file. I live in XXXX and the closest HSBC bank is in Washington. I really regret my decision for opening an account at HSBXXXX for the {$350.00} ( I wired {$10000.00} to the banking account for the bonus ) and hope that they can give me the access of the account back.
|
| 12/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
About a month ago I applied for one of your credit cards I gave you all my information address date of birth phone number social security number I even gave you my drivers license number a few minutes after submitting the application you said that it was denied because you couldnt verify me so I called the number I spoke to a woman who knew absolutely nothing she said that some automated system said they couldnt verify mean but she couldnt tell me exactly what it was she couldnt verify she suggested I reapply a few days later why I waited a little longer than a few days but I reapplied just a couple days ago Application ID XXXX once again I gave you a ton of information more than what most applications asked for I mean you asked for my employers address you asked for my drivers license information I gave you were off but once again you send me a notification saying you cant verify who I am how was that possible? With all the information I gave you if you cant verify meet what is it that youre missing I answered all of your security questions I know sometimes credit reports can have different things on them but theres no way that twice I answered all those questions wrong I just dont believe it
|
| 10/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
I received a call last Thursday from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. The woman said there was a suit about to be filed against me and used intimidating tactics to try to get me to pay for an old debt that I had paid off years ago. I told her that and she refused to accept that. The call ended into a shouting match and I hung up. I receive these calls several times a year. They result from these XXXX XXXX firms buying old Credit Card companies Write Off lists with consumer info such as credit card company and social security number. They then try to coerce you to pay it off or be sued. They are thugs on the phone! I even had one company in California put a collection on my credit report. I had to contact my State Attorney General to get it corrected on my credit files with the three credit bureaus. I'm sure you know that the Credit Bureaus are very difficult to deal with. Why can't the CFPB do something to stop these predators from operating these scams on innocent people. You can do a XXXX search on the above mentioned company and see all of the complaints lodges against them. Why are they allowed to be in business?
XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX
|
| 11/01/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My bother passed away on XX/XX/2016. He had a home equity loan on the old family home with Beneficial XXXX. He owed them a little over {$40000.00}. I was named the executrix of his estate. I knew he had a life insurance policy on this loan, but was n't sure how much or what it involved. When I called to tell them about his death, I asked about it. Of course they could n't give me any information. So I faxed them the death certificate and the short form. I did n't hear from them on any resolution to the situation. I had an estate attorney try to get somewhere, because the house is in limbo and they keep adding late charges. The estate attorney after numerous communications and requests for information finally found out that there was a {$60000.00} life insurance on the loan, which is more than sufficient to pay off the loan. I signed the beneficiary forms and they were sent to wherever they had to go. Now I am receiving foreclosure letters ( both registered letters and regular mail ). I am beginning to feel harassed. Plus the late charges now have the loan up to almost {$45000.00}. I really want this matter settled. If anything they owe me {$15000.00} from the life insurance. What can I do?
|
| 12/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
On XX/XX/2018 I applied for a HSBC Cash Rewards Mastercard credit card online that was advertised to me via mail and was approved. About a week later I received the card and activated it. When I tried to make a purchase on the XX/XX/2018, it was denied. I called the credit card company on this same day ( XX/XX/2018 ) and the first representative told me she had to transfer me to someone in the fraud department. The lady in the fraud department told me my that my account was flagged since my cell phone number could not be confirmed in their system. I provided my home phone number to her, she called me back on my home phone number, and then proceeded to tell me she also needs my license. She sent me an email to which I was supposed to respond with a picture of my driver 's license to further confirm my identity. I responded with a picture within less than a minute of receiving this email from XXXX. This representative promised they could even take care of the situation that same day. I have not heard from the company since. Every time I call I am put on hold for hours and can not get through. When I do reach a representative, they insist that I need to be transferred to someone above them.
|
| 01/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
On XXXX/XXXX/XXXX at appropriately XXXX I contacted a male by the name of XXXX XXXX who had been harassing a friend in regards to a debt they say is from XXXX. XXXX XXXX of XXXX XXXX and XXXX stated that XXXX XXXX brought this debt from HSBC. He went on to say that they will be serving me papers for court to sue me and if I did not pay they would be garnishing my checks or seizing my bank account unless settled before court. I informed him I do n't recall this debt and how am I sure its mine he presented me with information he had and stated that its clearly is mine. I told him I am not sure of this debt. He went on to say that they will be serving me next week at my home or come to my job. On XXXX/XXXX/XXXX I called the number that he left. A gentlemen answered I asked who was I speaking to he stated XXXX XXXX I asked what is the name of this company he stated XXXX XXXX XXXX. I then asked for the address of the company in which he refused to give me unless I provided him with docket number. I feel as though this is a violation I not sure if one needs to give there docket number in order to receive the address of their business which should be public information. Please look into this.
|
| 10/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I contacted HSBC now to apply for a new credit card, MasterCard Gold, to transfer a balance. Their offering states that there is 0 % interest on purchases and 0 % transfer fee for 18 months, the best in the industry presently. I was transferred to credit card agent when I asked inquiried about the maximum transfer limit. I explained to the next agent that I wanted to transfer {$21000.00} from a credit card that was charging interest to the new card. The agent stated that there was a 4 % transfer fee. I reread their offering to him and inquired whether a cash advance was a balance transfer. He agreed that it was not. Either HSBC is engaged in fraudulent deception or the agent was ill informed. I made this inquiry before I made the application. Last night I applied for an XXXX XXXX XXXX card. I explained my plan to transfer a {$21000.00} balance to the new card. The application was granted but the balance transfer was {$7500.00} and credit limit was {$25000.00}. I contacted XXXX today and was advised that there is {$7500.00} maximum on balance transfers. The agent should have advised me of this maximum prior to completing the application. I did not want to make the same mistake twice.
|
| 04/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
In XX/XX/XXXX my mortgage co. sent an escrow analysis that forecasted my property taxes would be paid in full XXXX. I called them, they requested a copy of my property tax bill, which I sent. They sent another analysis that still planned to pay my taxes in full XXXX, thus not correcting the mistake. Tired of dealing with them, I just let it go, paid the additional {$120.00} monthly, and figured it would be resolved with this year 's escrow analysis.
Fast forward to XX/XX/XXXX, I received a new analysis that plans to pay my property taxes in full XXXX times, with refund check attached {$850.00}. On or about XXXX I called their customer service line and the person I talked to said he saw the error, told me a new, corrected escrow analysis would be sent, and said I should not deposit the check I received, as a new XXXX would be issued ; I should receive it in 8 to 10 business days. As of today I have received nothing but a normal monthly statement. I checked online today and my next payment payable on XXXX XXXX is {$1200.00}, same as shown on the erroneous escrow analysis, and approximately {$270.00} more than it ought to be due to forecasting to overpay my property taxes by {$3300.00}.
|
| 03/04/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
I initiated an {$8000.00} wire transfer from my local XXXX/XXXX Branch in XXXX Fl, XXXX XXXX Branch from my checking acct XXXX on XX/XX/20. The " Pay Through Bank '' was put on by The XXXX Rep as HSBC Bank USA, N.A. New York XXXX. The receiving Bank in XXXX later advised that the pay through bank should have been XXXX XXXX XXXX XXXX and XXXX advised to me the funds were returned to HSBC on either XX/XX/20 or XX/XX/20. My local XXXX Branch advises that they have been reaching out to HSBC and the {$8000.00} is " in suspense ''. I am advised by XXXX that there is nothing I can do and have to wait.
The funds were to purchase a vehicle in XXXX and the transaction has fallen apart and a {$1000.00} deposit has been forfeited.
I also had monthly bills and obligations to meet and now do not have the funds to meet them.I am being put in dire financial straights and need some help on this ASAP.
The Bank in XXXX was XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX, XXXX, XXXX to be deposited to XXXX XXXX Acct : XXXX.
I would greatly appreciate anything you can do to get the {$8000.00} returned to my account ASAP as I am now in desperate financial straights. Thank You very much
|
| 10/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I had a HBSC credit card ending in XXXX that had a XXXX balance. We got a statement for charges from XXXX and call the fraud department. HBSC refunded the charges and told us that the balance was back at XXXX. The next month came and the charges were still showing. We called them back again and stated that we did not own and were told that they were canceling the account and we did not owe anything. Well, this month we got hit on our credit report saying that we have a delinquent payment for HBSC charges. When we called them on XX/XX/21, the guy names XXXX stated that we were refunded the fraudulent charges but they keep the finance charges from the fraudulent changes and has accrued late fees to the tune of {$99.00}. They also told us they opened a new account and transferred this balance to a card that ended in XXXX. We told him this was not acceptable and wanted to speak to his supervisor. He would not allow us to talk to his supervisor and hang up on us when we asked for his employee number as we were making a fraud report. This is a fraud as we have talked to HBSC on 5 different occasions to get this corrected. They want to charge finance charges and late fees on fake charges.
|
| 01/04/2017 |
Yes |
- Other financial service
- Check cashing
|
|
|
Web |
|
|
In XXXX a company I work for in the United States sent me a XXXX dollars payment by check by mistake ( because I always request bank transfers, not checks ) and sent it to the wrong address in my country, XXXX. This check was cashed by an unknown person.
The company that sent the check always told me that I was the who had to make the claim to the bank, HSBC Bank USA, N.A., and so I made several claims and attempts to solve this issue, but given my country of residence communication was not fluid and it was difficult to send the requested forms, which were rejected, so I could n't find a solution as time went by.
Last year ( XXXX ) I decided to contact HSBC bank once more and send new documentation and forms, unfortunately, this time XXXX XXXX Bank, XXXX. denied my claim to HSBC giving the following reason : " The statute of limitations or period for notice of a claim under either statute or your deposit agreement has expired. '' Despite the allegedly expiration of limitations, I feel that my claims were not taken seriously, especially since I do n't live in the US and I ca n't file a claim in person, causing that my money, which represent an important sum to me, is still lost.
|
| 12/22/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I currently have a home equity loan with HSBC Mortgage services. I have had this account for almost 10 years. I use this account to buyer homes and use it for Capital when I need it. I have a long history of paying the loan down and then I draw on it again when I need. HSBC closed out my account without my permission. I never wrote a letter stating I wanted it closed. In fact I received a letter showing a full payoff and closure of my account. I have been calling them since XX/XX/XXXX asking them to re-insate the loan because it was closed out without my permission. Now almost 2 months later, I am put in a financial bind because I need to make a draw. I still do not have closure to this situation and furthermore now I being told as of today that I am past due on my loan. How can this be??? I have a letter stating its paid in full. These people are not interested in helping solve the issue and now they are ruining my credit saying I am late on payments. I am now also going to lose a house and have financial hardship because they closed out my line of credit without telling me and I needed that line of credit. This is now putting me in a financial hardship and they refuse to help me.
|
| 06/02/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
I have a savings account with HSBC. I was credited for onl y 1 transaction for a fraud complaint that had more than one transaction. I stated to HSBC VERY CLEARLY that fraud occured on my account and I was transferred to the " ACH '' department because the rep insisted I do so because it was an ACH transaction. First, HSBC tries to tell me I didnt file within the 60 day time frame. FALSE. I filed this fraud complaint within the first week I saw the fraud. Secondly, I spoke to XXXX XXXX , manager of the ACH department who tells me I need to goto the fraud department. A little background on my conversation with XXXX . First point of contact on XXXX XXXX XXXX . She proceeded to tell me that HSBC was in the wrong and that I would have my credit adjusted that day and she would call me back. No call back. I call on XXXX XXXX XXXX ( today ) and XXXX gives an excuse why she did n't call me after she told me should would no matter what yesterday. Now she tells me i need fraud department? Really? She stated because I said it was fraud from the get go. Then she tells me no, this is the UNAUTHORIZED department. what? unauthorized department? yes
|
| 07/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
HSBC refuses to acknowledge or provide a date when funds of {$10000.00} will be returned to XXXX XXXX on a requested closed account over 5 months ago. The letters provided. are outdated, disconnected and unrelated to the return of funds.
The first form letter dated XXXX XXXX was addressed to me, but not sent to me directly and received on XXXX via CFPB, mentions processing time takes 60 days. In my case over 120 days have passed with no resolve and no explanation. And for closure, I was told the account was closed sometime in XXXX. The letter provided is so vague with no accountability enabling this saga to go on forever. This letter mentions a check will be sent once closure occurs. Closure of what?
The second letter brings XXXXXXXX XXXX XXXX into the complaint. HSBC was told in an XXXX conference call that this is an issue better them, HSBC, and XXXX XXXX. They provided the bank action and HSBC accepted the funds.
The letter from XXXX XXXX in the attachment is all they will provide. If HSBC feels this is important, they need to call XXXX XXXX XXXX to fulfill their Bank-to-Bank requirement and leave out the customer that has no authority in directing the actions of a bank.
|
| 08/02/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a call on XX/XX/XXXX from XXXX XXXX XXXX representative, " XXXX '', who declined to provide his last name. XXXX informed me that they were in the process of taking legal action by filing motions in various counties, contacting my employers, family members, and any affiliated parties. I was left a voicemail stating that I would be arrested if I did not resolve the matter immediately. He states that I owed a debt in the amount of {$1000.00}, and that I was being sued by HSBC via XXXX. He refused to provide a case number, only the last four digits of the credit card. He also refused to provide information about where the debt was acquired from, and could not prove that I had ownership over the debt. He provided only general year dates of the debt ( XX/XX/XXXX and XX/XX/XXXX ), but could not provide further information. Furthermore, at no point did XXXX state that the phone call was an attempt to collect a debt or that he was a debt collector. He was misleading in his representation of the company XXXX. Additionally, once I informed him that I had filed for bankruptcy in XX/XX/XXXX, which had subsequently been discharged, he hung up the phone without further information.
|
| 09/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened up a checking account on XX/XX/XXXX with HSBC bank because they promised a {$200.00} bonus. They never paid this bonus out despite repeatedly telling me it would be a matter of weeks or months. As you can see from the attached screen shots of the current same promotion they're still offering, the {$200.00} bonus should have been in my account by XX/XX/XXXX because of the 8 week time frame they give. They kept moving back the date that the funds would be available. After the 2nd time of telling me the funds would be available at a later date, I demanded they fix this issue and deposit the funds by the end of the business day. They gave me continued run around about how this department couldn't do this or that, and that they would have some people investigate the issue. I refused to buy any more of their XXXX ( lies ), so I told them to transfer all of my money in the savings account to my other much better bank. They said the transfer would happen within 3-4 business days on Saturday XX/XX/XXXX, and I still don't have the money here on Monday XX/XX/XXXX. This is consistent with their pattern of lying and not honoring deadlines they have given me for what they would do.
|
| 09/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Currently i have my mortgage with HSBC, but I decided to refinance, so I need some documents from HSBC to support it. But when i was reviewing the document, I noticed the property address on my payoff document is incorrect, my unit address should be unit XXXX and they typed unit XXXX unit XXXX ( see attached 1 ). Because unit XXXX is the number the builder identifies this building, and they assume its part of the address ( see attached # 2 ). Since the property address is wrong, the new lender will probably not accept it as a legit document.
I contacted HSBC and explained this situation, I asked them to simply correct the mistake they made, but they refuse to cooperate, and said even if they do it they will not rush it, at least gon na take two weeks, I provided my property tax document which i got from the county and it includes my APN and correct property address, and they refuse to take it because it is not a legal document. Instead they are requesting something called XXXX address to verify my correct address is a real address, I talked to the USPS , County, City, no one knows what that is. If i don't close my new mortgage next week, it will generate penalties everyday.
|
| 12/07/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
We are a financial institution trying to reach HSBC in regards to a returned wire sent to HSBC on XX/XX/2021. This wire never reached the customer 's XXXX account and we have been trying to assist the customer in locating her {$47000.00} wire. We have exhausted all ways of trying to communicate with HSBC with no success. There have been countless emails, portal messages, and phone calls attempting to contact a person that would be able to assist us in locating the wire whereabouts. When we are able to speak with a representative at HSBC they informed us that it is nearly impossible to be transferred to the their wire department. When asked to speak with the HSBC supervisor they hung up on us.
We have countless documentation on us trying to contact HSBC and have been speaking with our regulator the Federal Reserve on this very important matter. This has become detrimental to our customer. There has to be a way to communicate with HSBC by speaking with a live representative to discuss the status of the wire.
In addition we plan on filing a complaint with the OCC as well. In order to rectify this time sensitive matter.
Thank you for your time and consideration, XXXX XXXX
|
| 11/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened a checking account with HSBC online on XX/XX/2018 as a part of he {$350.00} promotion, was able to setup online and mobile app access on the same day. After that I made two {$5000.00} mobile deposits, one on XX/XX/2018 and another one on XX/XX/2018.
On XX/XX/2018 I received a message from HSBC Fraud Prevention Department, reference number XXXX asking to call back and verify my identity. The message specifically stated that the department is available 24 hours a day, 7 days a week.
On the same day I had called back around XXXX CST and after 15 minutes of wait was told the the Fraud Prevention Department 's hours XXXX XXXX EST and the usual wait time is 30 minutes.
I called back again at XXXX CST/XXXX EST and after waiting 41 minutes without getting to anyone had to hang up.
Called back on the same day around XXXX CST/1XXXX EST and after waiting 51 minutes without getting to anyone had to hang up again.
As I am writing this XX/XX/2018, XXXX CST, I've been waiting for 20 minutes so far.
My account is disabled and I am unable to access it online or through the mobile app with {$10000.00} sitting there.
By far, the worst customer service I have experienced.
|
| 09/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Last week I called HSBC Bank and advised that I would be making a high purchase, I advised I would need to get my medications and get a toilet, I advised the purchases were going to be around {$1000.00}. I have two cards. So it could be o n either card. On Monday, XX/XX/2021 I got my medications with no problem. On XX/XX/2021, I was making purchases on the cards that end in XXXX, and XXXX. I only purchased today roughly {$37.00}. I had not even got my toilet. I went to make another purchase for {$20.00} at the XXXX XXXX and the card was denied. I had to put everything back. I had gone to XXXX XXXX and tried to use my card for {$40.00} and it was declined, Again I had to put everything back. I went to XXXX XXXX and tried to use the other HSBC card for my groceries and the card was denied. I called and the boy said that department was closed. He advised to put the food away and call back in the morning. I only have these two cards. Thanks HSBC. I am current and I am not behind. The one card has a credit line of {$8000.00}. I only have {$1000.00} on it. This is absurd. This is a violation of the antitrust laws. I gave the bank over {$5700.00} in XXXX. This how that treat me.
|
| 04/23/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
HSBC has been holding me hostage over my mortgage since XX/XX/2008. I have been approved for over XXXX loan modifications since 2008, however, after each approval, HSBC fails to send me the modification documents and approvals, and continues to solicit me for other loan modifications, when there is a court order on file with XXXX County, SC, stating that HSBC is not allowed to contact me directly. More Recently, HSBC defense council, XXXX XXXX, has promised my attorney and I that she will expedite my loan modification. see attached letter. It has been two years, and XXXX XXXX has never responded to me or my attorney. HSBC continues to ignore me and my attorneys requests and we do not know how to proceed. I need to get out of this house and get out of this loan so I can move my life forward. HSBC has effectively ruined my life and my credit for the last 8 years. Can you help them to contact me or my attorney? Can you please sanction XXXX XXXX or report her to the bar association for her complete failure to do anything in my case? I am going to provide the proof I have been approved for a loan modification, and the proof that XXXX XXXX has done nothing to help the situation.
|
| 08/25/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
Sometime before XX/XX/2019, I received a communication from what is now my former bank, HSBC ( " HSBC '' ), about my savings account and the ending of our relationship because I generated more than six ( 6 ) account transfers within a statement period.
Since that time, I have had numerous communications with HSBC via telephone, email and their internal communication system offered within my HSBC online account for the return of the remainder of funds in my savings account at the time the account was closed. Each time, I receive a different reason as to why I have not received the funds, including all of the following : verification of residential address, the check was returned based on the residential address on file, the residential address does not match a previous address that was on file, a check will be sent within 7 days, a check was sent.
Now, I do not have direct online access to my former HSBC account to continue referencing a direct communication to the funds or my relationship with the bank.
Though there was not much remaining in the savings account, it has become a matter principle in HSBC practicing the business professionally with full accountability.
|
| 07/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Hi, thank you for taking my concern for the billing dispute.
*On XXXX, I noticed there is a {$37.00} charge on XX/XX/10 XXXX which I have no clue what that is and chated with XXXX to dispute this charge who told me they will handle the dispute.
*On XXXX, I reached out to XXXX again to follow up the status of the dispute and XXXX asked me '' Am I in possession of my credit card? Does anyone have access to my card? Have I done business with the merchant in the past? '' At that time, I've fully answered the question and XXXX told me they will process the dispute.
*Today, XX/XX/10, after more than 1 month, I still have not got any update for the status though I've paid the fraudulent charge just to avoid any interest could happen. I just have conversation with XXXX who still asked the same question '' Am I in possession of my credit card? Does anyone have access to my card? Have I done business with the merchant in the past? ". and still no update for the case. It seems a blackhole there.
I kind of lose faith due to the horrible services HSBC provided and just hope the case can solved so I can close this account.
Thank you again for your help. I really appreciate that.
|
| 12/07/2015 |
Yes |
|
|
|
Web |
|
|
XX/XX/XXXX I opened a credit card account w/HSBC. Several of their employees told me if I charge at least {$1500.00} w/in 90 days I would get a {$150.00} cash " reward '' ( I do n't understand the difference between {$150.00} and {$150.00} 'reward ' ). I charged the {$1500.00} w/in the time frame & was told the {$150.00} would soon appear in my account. As of 30 minutes ago it had n't. I made several calls to the XXXX # -- the last time I was connected was XX/XX/XXXX when I spoke to someone who identified himself as " XXXX '' emp. # XXXX. He said the $ would be in my account in the " next few days. '' I made lots of other calls to the XXXX # since then but I 'm always on hold for long periods and whomever I speak to says I have to speak to someone else & eventually I get disconnected. I recently called my local branch -- on XXXX XXXX in XXXX, XXXX XXXX. They told me to call the XXXX # -- I told them that did n't work for me. They said I should come down to the branch. I do n't want to make the trip & I fear that wo n't work anyway. The XXXX people I spoke to at the XXXX # agreed I was entitled to the $ & said it was coming so why ca n't they just credit it to my account?
|
| 12/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted on XXXX by XXXX XXXX XXXX by XXXX XXXX They advised on voicemail that I was being served/sued over. They contacted XXXX family members advising the same that I was being sued/served, disclosed my name, social security number, and date of birth. The company told these people that they were listed as references which is a absolute lie. I spoke to XXXX XXXX He told me what it was finally in regards to. An old credit card debt I paid and I advised that it was paid years ago. They would not release their address or fax to send proof of payment and paid in full letter from 2018 as well as a cease and desist. Almost 5 years ago and I am still be contacted in this threatening manner. When I advised I paid, I advised what company, the amount, when it was paid etc. He said if he needed anything they would call back.never heard a thing more. Here we are today XXXX. A different company is leaving threatening messages/robo calls about suing me. I believe XXXX XXXX hard to tell on the machine. I called back and left a message. But I am absolutely over being constantly harassed over a paid bill. Its been almost 5 years and I am still regularly being harassed over this.
|
| 05/16/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
I am a XXXX.ilive in XXXX i have a checking account and a saveing account in HSBC bank. I remited {$300000.00} to an XXXX account for investment in XX/XX/XXXX. But some mistakes occurred. 1 this is the fist time to use HSBC wire transfer, I already selected usd as currency as transfer currency. But the money remited to XXXX is XXXX. I thik it is caused by the internet seting. I finish fist step click the next step.the page automatically turn back and the currency changed to XXXX. And mean while there some other thing not crrect or not finished framed by red line. But the currency selection changed automatically and had no red line frame. 2 after almost 2 weeks my HSBC bank manager call me to confirm the transfer, I already told her the currency is USD, but HSBC did not mention me is XXXX. 3. The money reach The account transfer to. At XX/XX/XXXX. HSBC told me .HSBC told me the money stay the third bank ( in XXXX ) more than 10days. the transfer let me lost more then {$4300.00} in currency exchange, and cause me ca n't finish my contacts in time.I also have to compensate the investment. I am a XXXX ( XXXX XXXX ) My phone NO is XXXX. My email is XXXXXXXXXXXX. Best regards
|
| 04/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Over the years I 've received collections calls from a " collections agency '' collecting debt for HSBC XXXX credit card. I was a college student in XX/XX/XXXX when that card was received. I do n't believe i ever used the card, if i did, I paid it off and if i owed them they should have taken action nearly 20 years ago. Before I became internet savvy, I 've fallen for what I think now is a scam maybe twice before and ended up sending these people money I really did n't think i owed. It was probably over 10 years ago since I sent them {$200.00} dollars at least. Now they are back for more money. They called leaving a threatening message that my mom picked up. She 's XXXX y/o and was frantic and upset after she called the number back to people threatening to lock me up. I am in Arkansas but there is someone in OK threatening to push a summons through if I do n't cooperate. I believe this is a scam and do n't want to be burden now or later from a company who ca n't provide me any written documentation on what I owe, if i even do at all. The number they called me from is XXXX " Detective XXXX '' he says he 's from some county courthouse not even in the state where I reside.
|
| 09/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
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On XX/XX/XXXX I cashed via on my mobile device a check for XXXX through my bank HSBC.The check was from XXXXXXXX XXXX XXXX and there bank was XXXX XXXX and the funds was from selling my vehicle to them. Fast forward XX/XX/XXXX I get a l letter that the check deposit is being reversed. I have spent since XXXX dealing with my bank HSBC trying to obtain proof that the money was returned back to XXXXXXXX XXXX I have talked to the maker of the check and they just show the check clearing the account but never the funds returning back to them. They also state that they never asked for the check to be reversed. So now Im out the XXXX dollars and each side tells me the other one has the money. HSBC tells me I need to go to the maker of the check but why is my bank taking money out of my account and sending it to the makers bank after it had been cleared back in XXXX. I need help getting proof of which bank really has the money. The two managers at HSBC is XXXX and XXXX that I have been working with. The case ID number is XXXX through HSBC. The Head of back offfice at XXXXXXXX XXXX XXXXXXXX is XXXX XXXX. Please help me as I have tried to work with the bank to get my money back.
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| 08/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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On XX/XX/XXXX, I received my first phone call from XXXX XXXX XXXX from XXXX XXXX, claiming to be an attorney threatening me that he was going to have me served at my work that day with a lawsuit against me. Told me that of I did n't pay, he would have me served in front of all of my co-workers. He also threatened me by saying that he sees we just bought a house, and rattled off some date and price of the home for what and when we bought it that was incorrect and told me they were going to put a lean on my home. He has called every day since, at my work number. Today, on XX/XX/XXXX, he spoke directly to one of my co-workers yelling at her and demanding to know my direct supervisors name, and she, not knowing who this person was, gave him my supervisors name, because again, he told her he was an attorney. He told her that he was with the district court of XXXX XXXX BUT on the paperwork I asked him to email me so I knew what this was in regards to, he is listed as just a litigation officer ( basically, an employee at this company ). I have NO idea what this debt collection is for as I have never had a MC with XXXX XXXX. I have included the paperwork he sent me via email.
|
| 10/18/2016 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
Servicemember |
|
I wired {$3000.00} to a brokerage firm 's business account with HSBC. Three weeks passed with multiple inquiries from my bank, HSBC refused to release the funds to the brokerage firm or respond to any inquiries on behalf of my bank or myself or the brokerage firm. On the 4th week, I submitted a request to reverse the wire transaction and retrieve the funds. After 10 days and multiple inquiries from bank, HSBC still did n't respond to any attempts to resolve the issue. Finally, I contacted the FBI field office to inquire about submitting a criminal complaint against HSBC, the FBI asked me to attempt to use a civil action and attempt to contact HSBC in the hopes of the resolving the matter at the lowest possible level. After explaining my attempt to contact law enforcement and the possibility of submitting a criminal complaint, HSBC wire department finally acknowledged the wire transaction and explained the the funds were within the compliance department. HSBC refused to provide any explanation regarding the reason why the funds were being withheld. I asked HSBC to respond to the request by my bank to reverse the wire. I am currently waiting on HSBC to reverse the wire.
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| 03/05/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a new account online with HSBC with a {$100.00} direct deposit. A week later, I used their mobile app to deposit a paper payroll check on Friday XX/XX/XXXX. Upon depositing my payheck, HSBC promptly froze my account completely, blocking me out of online access, ATM machines, or anything related to my account. I showed up at the branch to verify my identity and the legitimacy of the check, but they refused to let me gain access to my account/funds and told me I would have to wait until XX/XX/XXXX at earliest before I could gain access, but they're not completely sure. Before depositing my paycheck, there were no indications, warnings, or description of when I'd have access to my funds, that it may be flagged for fraud for x amount of days, or that my account would be completely frozen.
The documents that they alleged I received, I did not. They didn't just make the funds from my deposit unavailable, they also made other funds that had already been approved and available unavailable in addition to freezing me out of my account completely. When making the deposit, nowhere on the deposit page did it make it known when my deposit would be available as required.
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| 09/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XX/XX/XXXX I was contacted by a XXXX XXXX XXXX representative stating that an imminent court summons was coming with intent to sue, put a lien on my home and garnish my wages. This was regarding an HSBC Bank credit card I assumed was discharged in bankruptcy in XXXX. I was told by the representative that my attorney said the HSBC account had not been included in my bankruptcy and the debt had ballooned with interest and penalties. Oddly, this debt is and was not on my credit report. Not did I ever receive any written notification of the debt. With my work reputation being threatened, I foolishly made a settlement payment for {$1700.00} with the understanding from the representative that I would receive a certified letter detailing the debt and the HSBC account number. I intended to present this to my attorney for comparison. The letter never came. The threat to my reputation and home caused me undue stress and caused me to make a hasty decision that I would otherwise not make. Hindsight is of course 20/20 : I never received a validation notice ; the debt did not appear on my credit report so it is quite possibly time-barred ; the tactics used were classic coercion.
|
| 04/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XX/XX/XXXX, my HSBC credit card Ending XXXX was stolen and make large purchases from XXXX XXXX and XXXX XXXX. I believed the totals were {$4200.00}. Then I called the bank HSBC and filed a dispute. They accepted the dispute for XXXX XXXX but refused the XXXX XXXX because they said the XXXX XXXX was in-person purchase. On XX/XX/XXXX, I check my HSBC account and fund out that they have put the charge from XXXX XXXX back on my balance. I called them and asked them why they put the charges back on my account. They told me that the Merchant had replied with evidence that the charges were done by me because they shipped items into the house that I lived at. I said to them that could be possible, but I do not make the purchases, and I lived with a bunch of people, and I do not know if XXXX of them maybe had stolen my credit card. They told me that the claim was denied. I requested for supervisor twice, and I was told the supervisor would call me back, but that never happened. Therefore, I am filing this complaint requesting HSBC to honor they promised to me that I am 100 % protected from unauthorized charges, and accept my dispute from XXXX XXXX and XXXX XXXX Thank you
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| 08/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
I had Fraud on my HSBC checking account. Several unauthorized ATM transactions were made on my account using my PIN. Now, prior to that, I had received several phone calls from people claiming to have been HSBC. I'm a XXXX veteran receiving XXXX compensation from VA. Literally the day, my VA XXXX check which was being direct deposited into HSBC, hit, just under {$600.00} of unauthorized ATM transactions hit my account. When I brought it to the banks attention, they stated that the transactions, however fraudulent, still put me over the daily ATM withdrawal limit for my relationship w them. I temporarily did not have access to my money, as it was past normal business hours for me to be able to go to a teller. I was ultimately able to go to the tellers the next day and use my other bank accounts/ credit card for transactions. But I feel like my accounts were spied on by the fraudster, as they knew exactly when my money hit this account, as well as I was told by the bank I was unable to access my money, fraud or not. I think HSBC, has an inability to safeguard their " Premier '' account holders information and do not recommend banking with them in the United States.
|
| 02/16/2017 |
Yes |
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Web |
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i have tried calling emailing no response. i want to know why i was charged XXXX cents interest aand a payment was returned on card ending XXXX. i am not paying interest. i am not arguign about its validity just questioning why i paid it in full. cusotmer here 30 years and still get scripts. bottom line calling in you cant understand the person from XXXX and i dont have time to waste. i was told " its only XXXX cents '' well why? i know you will not refund interest and i cant use the card as a result since if i could pay in full i would. and loyalty means after 30 years it could be refunded. since not i cant use the card need no card agreement tell me why payment was returned. again i called and emailed no response.
When you can be loyal to me i can then use the card until then i stick with banks that are loyal and dont care about interest because they know they make more when i use the card and lose more on bad customers. also no need to remind me how much has been credited. without credits for interest i cant use the card no more how valid it is. plerase dont retalaite. i am so sad how i am treated here. all the scripts all the lack of XXXX and all the problems
|
| 10/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I am a customer of HSBC USA. In early XXXX, I found that my account was locked by HSBC USA. After negotiating with HSBC USA, they believed that my bank account was at risk and that it was necessary to re-examine it. During the negotiation with HSBC USA, I stated in detail that I am a XXXX customer and that I applied for and used an HSBC USA account in compliance with U.S. laws. I requested them to restore my account as soon as possible. However, it's been a month and they still haven't reinstated my account. I think they are severely discriminating against XXXX customers. They casually suspended my account just because I am from XXXX. This has had a very serious impact on my life. We have always known that the United States is a country of freedom, equality, and democracy. I can't believe that in this land, such discrimination against other ethnic groups is still happening. At the same time, I believe this is the work of a small number of companies. I hope CFBP can uphold justice for us consumers and provide a fair environment for this land so that discrimination against other ethnic groups will no longer happen in the United States. God bless the United States.
|
| 08/11/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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HSBC/Beneficial or the XXXX XXXX lied to the Consumer Financial Protection Bureau, stating that they weren't trying to evict me. They provided such a response to this Office XX/XX/XXXX. Began filing subsequent eviction suits against me UNDER SEAL XX/XX/XXXX, and XX/XX/XXXX. They used an unqualified foreign corporation as the litigating party, XXXX XXXX XXXX, XXXX. Wrongfully obtained an eviction order XX/XX/XXXX. The Illinois Business Corporation Act bars such corporations from filing suits in an unqualified state ( See XXXX XXXX XXXX ). The corporation prevailed even though fraud was present in its notice/demand and its motion for summary judgment was unsupported by contravening evidence. The mortgage on my home was satisfied and released, and the foreclosure suit was found to be unauthorized by the Federal Government. Attorneys are reluctant to assist me with the eviction suits because they are sealed. They can't look the cases up from their office. Through XXXX XXXX XXXX XXXX, this corporate has also caused to be recorded a false and fictitious quitclaim deed against my property XX/XX/XXXX. HSBC is seeking to take my home using forgery or theft by deception.
|
| 07/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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On XX/XX/XXXX, I contacted XXXX XXXX on my cell phone after she made threatening calls to my house, and by calling my mother. The number called for XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX is XXXX. XXXX XXXX stated she was collecting a debt for HSBC Card Services for the settlement amount of {$500.00}. The amount was paid on XX/XX/XXXX with a fee charge of {$10.00} to charge my husband 's credit card for the payment. Another number that called me was XXXX same person XXXX XXXX allegedly with the same company. After I received via my personal email a confirmation letter to state this debt was paid in full I still received calls from other companies stating I owe a debt to XXXX. The multiple dates range from XXXX-current XX/XX/XXXX. The main one is XXXX XXXX XXXX calling from various numbers each time : XXXX, XXXX, XXXX, XXXX, XXXX XXXX form XXXX ext. XXXX, XXXX XXXX XXXX. In addition, the company XXXX XXXX called reporting a different amount owed to HSBC on XX/XX/XXXX the person 's name is XXXX XXXX at XXXX ext. XXXX. Another agency is called XXXX XXXX XXXX which they did mail there letter however, the original debt was from XXXX and their number is XXXX.
|
| 04/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
SinceXX/XX/2018I have been attempting to gain online access to my HSBCcredit card account, a service that HSBC purports to provide all of its credit account owners. Each time, I am told that a ticket is opened and being escalated to IT and that I should receive a follow up call the following day. The return call never comes and when I call back to follow up I have to start all over as if a ticket was never opened with IT to begin with. This exact situation has occurred at least 3 times since XXXX with no resolution to date.
I believe that HSBC is acting unfairly towards me as they are not granting me the same access to my account as other customers. Because I am unable to access my account online I must do all transactions over the phone and there are some such as setting up autopay which can only be done online or via regular mail.
Furthermore HSBC continues to provide misinformation to me each time they claim to have opened an IT ticket to resolve the issue.
I have tried in earnest to resolve this issue directly with HSBC to no avail for nearly 6 months which leaves me no choice but to escalate my complaints to the Consumer Financial Protection Bureau.
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Bank some how turned off autopay without notifying me, months ago. Although I had multiple points of contact with bank I was never notified payments were not made/ late or that autopay was turned off. Funds were always available. Hold times to speak to a rep are over one hour. Each rep gives different and conflicting information as to which bank account was linked/ why autopay was turned off and how it was turned back on. I was only notified by an third party agency of 30 days delinquent. I made payment that day and paid bank card payment in full. Then magically the autopay was turned back on by bank ( not by me ) to the correct account. Bank does not return calls, makes it impossible to speak to a manager nor can give clear reasons for the failure of communication/ notification. Bank is not making good faith error to correct the erroneous credit report of 30 days delinquent. due to system error or explain clearly the mechanisms that caused the failure. Bank was not able to advise me of when and how I was notified of problems. Further more when I asked to close the account I was told that also could not be done without a call back. That I also never received.
|
| 06/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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The mortgage service company refuses to reduce my monthly payments or interest amount due even though I have made extra payments to pay down principal. My outstanding principal on XXXX XXXX, 2005 was approximately {$360000.00}. I made {$25000.00} worth of principal payments on XXXX XXXX, 2005 and another {$1000.00} in principal payments on XXXX XXXX, 2005, but they refuse to recalculate the monthly amount due and have continued to charge interest on the principal amount of {$360000.00}.
They claim that they will make XXXX only adjustment to monthly payment amounts per year and will require notarized documents in order to do so. Furthermore, if I want to make additional payments against principal, I need to do it before the XXXX of the current month in order to go into effect XXXX days later.
These are ridiculously deceptive practices. If I pay down the principal of my loan, they should not continue to charge me interest on the previous amount. Furthermore, they should not have to make me jump through hoops such as notarized documents in order to pay down a loan, nor should they hold on to my money for 45 days and still charge me interest on the principal.
|
| 02/05/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We filed chapter XXXX bankruptcy in XXXX XXXX. It was discharged on XXXX XXXX, XXXX. HSBC should have started reporting our payments to the XXXX credit agencies., I found out that they have n't reported any of them when we tried to refinance the mortgage with another lender.. I sent them a fax asking them to 'reaffirm ' our mortgage on XX/XX/XXXX. When I called the next day and talked to a customer service agent about getting something in writing about the affirmation, I was told they were never going to re-affirm our mortgage. They do n't 'do that ' anymore. They are basically holding us hostage to their horrible company and practices as I was told by XXXX XXXX XXXX that without that written affirmation, they would n't re-finance us. Even though I have every monthly statement that shows the payments were make on time. Our mortgage with HSBC is an adjustable rate loan which adjusts every 6 months. It 's starting to adjust upwards. We also found out a few years ago that they did n't participate in the federal re-finance option offered for underwater mortgages. I want them to re-affirm the mortgage and submit all back payment information to the credit bureaus.
|
| 02/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
XX/XX/2021 - online application was solicited for HSCB by XXXX XXXX via email XX/XX/2021 - application was submitted to HSCB online XX/XX/2021 - documents were submitted online to verify income and banking information XX/XX/2021 - phone call with HSBC to review income verification with request for additional information.
XX/XX/2021 - call returned to HSBC to verify employment information. HSBC stated no additional employment verification was needed at this time.
XX/XX/2021 - additional income verification submitted online based on the XX/XX/2021 phone conversation.
XX/XX/2021 - email received stating loan had only 2 days left to submit the required information.
XX/XX/2021 - email received stating loan declined due to failure to verify employment " Unfortunately, we are unable to approve your Loan Application due to the following reason ( s ) : We are unable to verify your employment '' ( attached ) XX/XX/2021 - phone call to HSBC resulted in response that all loan decisions are final and this employment verification error can not be revisited and that no application could be considered for 180 days. HSBC employee would not transfer me to her supervisor.
|
| 07/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
On XX/XX/XXXX, I have disputed and requested investigation through XXXX credit reporting Co about complaints of re-aging a negative and erroneous collection report from XXXX XXXX XXXX ( collection agency ). XXXX and XXXX XXXX XXXX has not provided my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and has not provided me with the date of first delinquency, nor the FCRA compliance date and the name of the party who reported the date of first delinquency ) The original creditor HSBC acct ending in XXXX is showing a balance of {$510.00}, which HSBC had reported first delinquency date before XX/XX/XXXX. However, ( XXXX XXXX XXXX ) continues re-aging an erroneous first delinquency date that should have been deleted from my XXXX credit report this year on XX/XX/XXXX. XXXX XXXX XXXX ( the collection agency ) has re-aged this account again and is showing that the original creditors ( HSBC ) date of first delinquency has been revised to XX/XX/XXXX, which is erroneous and harmful. I am requesting a deletion of this account immediately and am filing a formal complaint against XXXX XXXX XXXX and XXXX credit reporting Co for illegal re-aging practices.
|
| 06/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I live out of the country but maintain a US account as I intend to return eventually. Recently I received a notification that my account was in danger of becoming inactive, so I followed the instructions and made a transaction ( note there was no guidance on minimum size or number of transactions required ) Following this, I received another notification, so I called the bank to confirm that my transaction was valid, which they did verbally including stating explicitly that I need not do anything else. I inquired about he second notification and they simply said that their systems have not been updated but they will do so immediately. I asked for confirmation, ideally a letter, which they refused to provide. I then requested they make the notation in their XXXX tool, which they agreed to do. Most recently I reviewed my account and realised that they had closed the account and sent the funds to the state, exactly what they said they would not do. Upon calling them, they said that the information provided last time was wrong. They have referred me to the XXXX website however I can not locate my details in the database so I have no idea where my money is now.
|
| 10/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I work for ID Experts, an identity theft protection and repair service, and we are serving as Power of attorney for XXXX XXXX.
I have sent disputes to HSBC on XX/XX/2019 and on XX/XX/2019 by mail to two different addresses. The disputes included all necessary documents. Power of attorney, FTC ID theft affidavit, copies of drivers license, social security card, proof of address, and police report.
I have sent the same items to XXXX on XX/XX/2019 and XX/XX/2019, both times I was very specific in requesting the deletion of the HSBC account and inquiry as it is a result of identity theft.
As of XX/XX/2019 the account remains on the XXXX credit report.
This is a regularly occurring issue and both HSBC and XXXX are regular violators.
In addition to this, when trying to call HSBC, I waited on hold for their fraud department for 89.8 minutes. I finally gave up and called their main customer service number and waited for an additional 43.5 minutes. The fax machine that was listed on their website does not go to a fax machine at all, it was a recorded greeting for HSBC so it is apparently a voice line. This number has since been removed from their website.
|
| 04/01/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
|
|
Web |
|
|
The CFPB provided a XXXX interpreter named " XXXX '' XXXX # XXXX XXXX to help me with this complaint.
I want to audit my HSBC accounts, before XX/XX/2021, to account for the missing {$1500.00}.
If HSBC wishes, please speak to me directly through a XXXX interpreter.
On multiple occasions, HSBC had verified that my son could speak on my behalf. But, HSBC is not keeping their word ; thus, I request HSBC, if it wishes, to send me an HSBCs own Power of Attorney form to my home address.
XXXX XXXX XXXX and XXXX XXXX XXXX at HSBC had never mentioned that HSBC, like most California banks, had their own Power of Attorney forms.
REGARDLESS, I was the account holder, and I have every right to examine my XXXX accounts after they are closed ( according to an XXXX representative, after " up to XXXX years '' ).
In XX/XX/2021, HSBC claimed the remaining balances totaled {$1700.00}. In XX/XX/2021, HSBC claimed the remaining balances now total {$1900.00}.
According to my calculations so far, the remaining balances should total around {$3300.00}.
I am aware of the fact that HSBC has made mistakes regarding their customers deposits XXXX documents available ).
|
| 04/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Rec 'd a call from XXXX asking if i would be home because they need to service me with a subpoena for court appearance. Asked what for? He said he did not know but if i called this number XXXX then he wouldn't have to come out to serve me. So, I called and spoke with XXXX XXXX who said I owe {$610.00} to HSBC + legal and service fees which makes the total {$1600.00}, but I could settle it today for {$610.00}. If I did not pay today, he would mark it as a refusal and my pay and or bank account would be garnished. I send them an email reply ( as suggested by on of you reps at CFPB ) and asked them to not contact me by phone only in writing via postal service. I asked them to provide me with proof for the company they say they are representing. I do not have this company on my credit report. I do not recall ever having a credit card from HSBC.
Please advise. I have pretty good credit, I have always paid all my bills. There is no record on my credit report for this HSBC card. I want to know if this is a reputable company or is this another scam. The company is XXXX XXXX XXXX, but reply is required to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
|
| 05/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Hello, I opened an HSBC Premier checking account on XX/XX/XXXX through the following link : https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ I met the terms of the offer by having deposits greater than {$5000.00} each of the three months after my opening month, i.e. XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX and XXXX ( XX/XX/XXXX ).
The offer states that the {$450.00} XXXXme Deposit Offer will be paid approximately 8 weeks after completing all qualifying activities.
When I had not received the promotional credit by midXXXX, I reached out to HSBC and inquired. They advised, " the account did not meet the requirement for the promotional bonus as the account was not opened in the offer page which is required to be eligible for the bonus. '' They are contending that I did not open my account through the above link. First, I insist that I did. I navigated to their site directly through that link and never went to any other page to open my account. If their system is broken and they can not tell what link I used, it is not fair to deny me the bonus I signed up for.
Supporting documents are attached.
Thank you, XXXX XXXX
|
| 05/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened a HSBC USA bank account on XX/XX/XXXX, then when I tried to make a transfer after few day, HSBC called me to verify all the information. After that, HSBC tell me they decided to close my checking account, that is really bad, I am the HSBC customer for over than 6yrs in other city, my family banking with HSBC over than 30 yrs.
After they decided to close my account, they said someone will contact me shortly, but i never receive any notice from HSBC.
After 20 day they decided to close my account, they still not close my account, but not allow me to access my account and fund.
I contacted HSBC so many time, they said we don't have the exactly time when your account will be close, and your remaining balance will be return to you after your account has been closed? What is that? They don't know when will be close????? The money will not release to you until your account has been closed???? So the bank can freeze their customer money whatever how long they want? How stupid is that?????
HSBC XXXX really means XXXX?
PLEASE HAVE A VERY CAREFUL CONSIDERATION BEFORE YOU DECIDED TO BANKING WITH HSBC, SO MANY INTERNATIONAL BANK IS BETTER THEN THAT!
|
| 12/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Hi, I have opened up a new HSBC premier checking bank account with following promotion- https : //www.us.hsbc.com/checking-accounts/campaigns/checking-offers/ # premier-checking-details I have opened the account from the landing page of their offer.
Now, after meeting all terms of the offer, I have not received my bonus.
I contacted bank and they gave me 2 reasons for not receiving my bonus and both the reasons are not correct - 1. First reason they gave me is that my bank account was not opened from correct web page which is wrong as I opened the account from their promotional page which i mentioned above and if there is technical back end error due to which the promotion was not applied, then I am not responsible for that.
2. The second reason they gave me is that I had a bank account with HSBC in past 3 years which is incorrect and i have asked for more details around it and the same have not been provided to me.
I met all conditions of the promotion and deposited more than {$15000.00} dollars in my account through my employer direct deposit. I am getting denied for my bonus for unjustified reasons. Please help me in getting my bonus.
Thanks
|
| 05/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
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XXXX XXXX levied by bank account with XXXX XXXX XXXX for over {$5900.00} which was all the money I had to live on as a XXXX and XXXX Veteran. They claimed that they bought a " discharged '' debt originally owed by XXXX XXXX/ XXXX who charged off the debt in XXXX and received a tax credit from IRS ( {$4000.00} ) and then sold this old discharged debt to XXXX XXXX in XXXX for pennies. XXXX XXXX filed a civil suit and never serve me and got a default judgment in XXXX. Now 5 years later they secured a Writ to levy my account which they have and now I do not have any money to live on.
I contact XXXX XXXX and spoke to XXXX XXXX at XXXX-XXXX-XXXX who was very rude and said she didnt care about my situation and said that I needed to pay them the full balance of {$13000.00} or they would come to my house to collect the money. I told them I didnt remember having any credit account with XXXX XXXX/ XXXX but she didnt care and in fact said that is my problem and didnt have any information about the type of debt it was. XXXX XXXX XXXX will not release back my money without XXXX XXXX authorizing so I can not my mortgage or buy food or medication I need for my XXXX.
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| 03/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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Web |
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I received my income tax in 2010 through XXXX on a card loan through HSBC bank. I purchased a insurance throught XXXX if anything on my taxes were wrong they would cover it. Well HSBC Bank is saying XXXX over payed me XXXX dollars. I told them I had the insurance through XXXX and I contacted XXXX and they told me they will handle the problem. Well HSBC refused to talk to XXXX to get the problem taken care of. I could not get the problem handled without them letting XXXX getting involved so it became at a stand still. XXXX tried to cotact them and they would not discuss the matter with them. HSBC reported to the credit agency they sent us up with payments and we never made payment saying I was late and missed XXXX payments. WE NEVER MADE A PAYMENT AGREEMENT A ANY TIME. I have filed bankruptcy and included HSBC in my bankruptcy since they would not comply with XXXX. They are 5 years after bankruptcy they are still showing on my credit report I missed and was late on XXXX payments. They have no proff I was late or missed any payments. Now this is stopping me from getting a home equilty lone to purchase a home for my family. Pleas HELP Thank you XXXX XXXX
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| 06/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I applied for an XXXX XXXX XXXX credit card and was informed on XX/XX/XXXX that I was approved. The card came, I used it at the post office on XX/XX/XXXX. On XX/XX/XXXX the card was declined. Thinking it was the machinery at the store, not the card, I tried again on XX/XX/XXXX. Again it was declined. On XX/XX/XXXX I called customer service at XXXX and after 55 minutes on hold was told I had to speak with Fraud Prevention. When I finally connected with them I was told they couldn't tell me why the card was declined - and that I needed to send proof of I.D . I snail mailed and emailed copies of my driver 's license and passport.
I was given an ID : XXXX On XX/XX/XXXX I send them an email asking why I hadn't heard from them.
My credit rating is XXXX and I have been denied two other credit cards I have applied for. I am sure HSBC is the reason.
I have put {$56.00} on that card. I don't have access to the card to pay it. They haven't responded to my email or my letter.
This is the worst, by very far, credit card company I've ever had experience with.
Please help me find out why I am being denied access to credit cards. Please make HSBC contact me.
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| 10/12/2015 |
Yes |
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- Customer service / Customer relations
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Web |
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I tried to login unsuccessfully to my online account with HSBC USA. I attempted to reset my password and was locked out for security reasons. I lost my credit card so I did not have the account number when I called customer service to attempt to get my account unlocked. They also require a telephone access code which I did not have at the time. I informed them that I think my card may have been compromised and they did not acknowledge my concern. I provided them with my name, social security number, date of birth, address, and called from my home phone number which is the one registered to the account. They claim I need to provide more information. I did not received a statement of my account for three months. I started receive collection calls at random hours, sometimes as early as XXXX and after XXXX. I have called multiple times to try and get my account unlocked so I can see my account activity and make sure my card has not been compromised and have been unsuccessful. I have all the information required now and they claim that department is closed. This is ridiculous. I have never had as many problems with a financial institution as this XXXX.
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| 03/31/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/XXXX I signed up for and was approved for an HSBC 'Premier ' checking account and the terms of this account stated that HSBC would provide a {$750.00} bonus. HSBC is refusing to pay the bonus even though I fulfilled all the terms per their terms and conditions.
The bonus terms required that I make at least {$5000.00} in direct deposits per month for 3 consecutive months beginning the 2nd month after account opening. I qualified for the bonus by fulfilling the following direct deposits sent from my employer : XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} I then waited 8 weeks from XX/XX/XXXX which concluded end of XX/XX/XXXX. I have followed up with HSBC 8 times via secure message and 3 times via the phone and almost every time the representative says that they need to send the issue to a separate team to investigate. However, on the attached message from XX/XX/XXXX the representative agrees that I did qualify. I still have not received the bonus.
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| 10/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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HSBC is very difficult, if not impossible, to do business with. It takes a minimum of 1 hour to even begin getting an issue resolved first of all. I have spent a minimum of 6 plus hours just waiting to talk to someone. Bounced from one agent to another, and even one agent admitted I am not the only consumer with similar issues I have been having with them ever since I began doing business with them. They also froze my account because they decided they wanted my ID and proof of address after using the card. I provided that, and then it still wasn't enough. I am not able to get information on my account, get statements, and was told I could pay it off without signs of any statements or proof of transactions, but why should I take their word for it when I can not see for myself? I can not even look into transactions or get a statement because they refuse to release the hold off my account, and told me " I should obey '' and do what is asked, after I already sent them supporting documents proving who I am! Never had I had this kind of trouble, and I am afraid they will ruin the good credit scores I have worked so hard for because of their nonsense!
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| 10/25/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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I have a checking account with HSBC. The account was hacked on XX/XX/2018, and a fraud wire transfer of {$8200.00} was made. The wire transfer intended to send money to XXXX XXXX. XXXX XXXX contacted me on XX/XX/2018 because they thought this wire transfer was suspicious. I confirmed that transfer was fraud and contacted HSBC on XX/XX/2018 to cancel the transfer. I was told by HSBC that the money will go back to my account by XX/XX/2018. I haven't seen the money in my account yet so I called HSBC on XX/XX/2018 to inquire about the status of my money. After a long wait, I was simply told the transfer was cancelled and the money will be back to my account in a couple of days. I called HSBC again on XX/XX/2018, but the money was not in my account yet. I have difficulty in reaching a HSBC representative who could tell me when the money will be back to my account. I would appreciate it if you could help me find out when the money would be back to my account.
Because it was extremely difficult to reach a HSBC representative, I filed a complaint through their live chat on XX/XX/2018 ( the confirmation number is XXXX ). However, none contacts me yet.
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| 12/29/2016 |
No |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Older American |
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I am a XXXX parent and there was a person disguising himself as a parent looking for housing for his daughter while attending school in California. I have worked with XXXX within the past three months, so I did not think this person would send me a fake check, I deposited it the bank, so it did not clear with my bank HSBC. The manager of the branch with HSBC closed my checking account and reported me to a XXXX agency, which will destroy my chances of getting another checking account. Also, I had been trying to get an overdraft account with HSBC, but they would not allow me XXXX, even though I had direct deposits of over {$5000.00} put into my account every month. They just continued to charge me overdraft fees which totaled over {$790.00} so far this year in 2016. The bank manager is practicing discrimination and is ruining my credit. At this point, I only wish to have my name removed from XXXX because this situation with a criminal embezzling money from my checking account was at no fault of my own. Also, the {$790.00} that HSBC would cover some of the loss, and they would not even investigate this fraud - the manager just reported me to XXXX.
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| 10/13/2016 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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I have an online bank account with HSBC. My ATM cards have been deactivated.
I called customer service and they informed me I needed to re-apply for an ATM card ( this is for a savings account! ) because they are now using chip cards. After twenty minutes confirming my information, they said a new ATM card would be mailed to me. I have had no access to my accounts during this time. I was told I could go to an HSBC branch and could access my accounts while waiting for new ATM cards. After 10 days, I attempted to go to the a physical branch. I was told that I can not access my accounts at the branch, only online. I ask if they could issue me temporary ATM cards, or help me in any way. I was told everything must be done through customer service via their phone number ( which is NOT is the US ) or online. When you try to address issues online, you are again told to call customer service.
It has now been over two weeks and I have no access to my accounts and have not received my cards, and have been told by customer service to " keep waiting ''. I am very frustrated that an account that purports to be HSBC has no means to address customer issues.
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| 05/21/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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At the HSBC website, I saw they had an offer for 3 % cashback of my payroll deposits up to {$100.00} bonus each month for 6 months ( {$600.00} total bonus ) when opening a new checking account. The website said that I'll be automatically eligible if I sign up using the link. I did everything exactly as instructed and deposited my paycheck directly from my employer to this account over {$5000.00} each month from XX/XX/XXXX to XX/XX/XXXX.
I checked the status of this bonus with their customer service over 5 times starting in XX/XX/XXXX. The first time the agent told me I need to wait one more month to receive the bonus. After a month I contacted the customer support again and they asked me to wait another week and get back to them. I did that and they kept asking me to wait one more week again and again over 5 times.
They promised me each time they'll fix this issue which could be due to some technical glitch. And finally today after 6 months of wasting my time and effort, they said they will not give me any bonus because I did not use the correct promo link to open the account ( I did use the correct link from their website as instructed ).
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| 03/30/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
Servicemember |
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Company called XXXX called my husband, claiming he has a XXXX debt that needs to be taken care of. Said that it had to be taken care of right then, or he would be taken to court. No notification or prior notice had been sent by this company. They called my phone the following day, and then refused to speak to me because I am the wife, and not the debt holder. After multiple times of being hung up on by the lady who spoke with my husband and her supervisor, he finally explained to me. Claimed it was a debt from 2002, almost 20 years ago. Said I had to pay at least XXXX TODAY, or a judgement would be filed against us. He was extremely rude ( I was not nice back ), telling me that he was XXXX, and I would not talk to him in that way, that I needed to respect my elders. He called me a liar, because he cut me off before I had a chance to explain what I was saying. I was driving and taking my mom to a doctor 's appointment and he told me I was making excuses to not pay. It was an overall horrible conversation, and I can't find anything legit about this company. They've called from multiple numbers, and none of the numbers bring any information up.
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| 06/06/2017 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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When we bought the home on XX/XX/XXXX we also received checks around XXXX XXXX to pay off some other bills. Within two weeks our company went bankrupt and we had to file bankruptcy also. We still had the checks from Beneficial. Our lawyer and Beneficial said to send them back to Beneficial. That is when the problem started. I sent back all the checks to Beneficial but they never took them off of what we owed. I asked to get copies of the checks but to no avail. I told the gentleman I want to keep the house and I wanted it to be reaffirmed and he said ok. I have been trying to get XXXX since XX/XX/XXXX . My doctor has told me not to work. I am just asking to keep my home. Every since we bought the home it has been a nightmare. There was no home inspection done at the time that we bought the home and we had termites. That was a fortune to get rid of them and now the floors in the living room where the termites were is caving in and we are scared to walk on them. I still feel there is something wrong with the way the paperwork and closing was done. I have asked Beneficial to do an audit on our closing paperwork but to no avail.
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| 10/17/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I am submitting my complaint to HSBC USA in lieu of an account closure letter I received from them dated XX/XX/2020 without indicating the reason for such act. I have been a customer of this bank for 3 months and opened the account at the branch in XXXX XXXX XXXX on XX/XX/2020. I believe my account was in good standing ever since with no record of any illegal or fraudulent activity. Firstly, I felt such initiative was absurd and unbelievable. I have read stories on the Internet about people who experienced this action from the bank ( HSBC USA ) without any explanation of why such account is to be closed. May it be personal and business accounts, they close accounts randomly without informing the actual reason. Secondly, numerous former customers of this bank shared their anger and frustration as to why their accounts were closed by this bank on an online forum. The action taken by HSBC USA is very inequitable and vague. I opened the account at the branch to build a financial relationship with them and in good faith. However, all is lost for good is what I get. I am requesting that the bank will reinstate my accounts as soon as possible.
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| 11/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My purse was stolen on XX/XX/XXXX, and HSAB denied two claims, one for {$330.00} and the other for {$100.00}. A police report was filed with the XXXX, TX police dept. case # XXXX. A new card was opened for me and the history and charges from the old statement were not shown. HSBA required me to make a {$75.00} payment without any visibility to my statement and without sending me a paper statement. My account is related to phone number XXXX.
I called HSBC on XX/XX/XXXX and they said I had no past due balances. I look online and there is a {$35.00} past due balance. There is no way for me to see the old account that was closed online and they never sent me a paper statement. I want to see every historical transaction on my account to date. HSBC is a fraud shop! The banking system is a crime network run by the cabal and we bailed the criminals out.
It has become a regular practice for HSBC and others to require a payment on the account, if they deem it late, and to not provide any transparency online or via paper. In this case they did not transfer all of the historical transactions to my current account. There should be XXXX late fees.
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| 05/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I received an offer in the mail from HSBC XXXX XXXX for balance transfers at 0 % interest for 12 months with {$0.00} transfer fee. I used XXXX of the checks to pay another credit card in XXXX . On XXXX XXXX , transfer was processed by HSBC, transaction reversed on XXXX XXXX . I received no notification ( mail or e-mail ). When I called to inquire where the balance transfer was in the process, they directed me to security to answer some questions, this was supposed to release the balance transfer but did not. For four months and many calls they were unable to process the balance transfer without a fee, finally a manager processed the transfer and refunded the fee in XXXX XXXX . But now HSBC failed to honor the 12 months at 0 % and would only provide the offered rate until XXXX XXXX . After repeated calls in XXXX , XXXX and XXXX they were unable to extend to honor the 12 month offer. The end result is I was offered 12 months at 0 % with {$0.00} transfer fee, after a tremendous amount of effort on my part, they provided 8 months. Institutional incompetence is no excuse for false advertising and fraudulent behavior.
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| 09/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I have requested of HSBC Bank USA, N.A. to support me with addressing the unauthorized debits made to my account for transactions that I have reported pertain to credit card fraud. I have collaborated with dedicating time to discuss with several parties, including, XXXX XXXX Customer Relations, VP ., the events that lead to my information being used without my knowledge. I do not have any responsibility for the debt as I have reported in the fraud claim, the Credit card was never recieved in the mail by me the account holder. This information is properly documented as the carrier disclosed that the card was delivered to a wrong address. The Executive team from the carrier's side stated that when they sent the XXXX driver who made the delivery to retrieve the card from where he confirmed to have delivered it, the same person who attended the door in the past denied to have received it. I have presented my concerns to HSBC Bank USA, N.A. executives on several occasions. It has been a prolonged time without an appropriate response and continuing to experience poor practice from the business that disregard my financial and business needs.
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| 06/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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The following was my message to HSBC.
" My credit card account ( XXXX ) was closed after HSBC asked me to use it before by the XXXX of XXXX because it was INACTIVE. I made 2 charges and now there is balance of {$130.00}. There is NO WAY to make this payment. I need access to resolve this issue QUICKLY. If I don't hear from you by the close of business XXXX XXXX, 2019, on how I can complete a payment, I WILL FORWARD this COMPLAINT to the https : //www.consumerfinance.gov/ or The CONSUMER FINANCIAL PROTECTION BUREAU. HSBC does have to LOCK me out before I can make the payment. This looks like a XXXX PRACTICE to get me to DEFAULT on my payment so that HSBC can hit me with LATE FEES and PENALTY. I called your customer service and an bunch of XXXX who CAN ONLY SING ENGLISH was TALKING XXXX. I need professional RESPONSE from people who are interested in RESOLVING this ISSUE. '' I contacted HSBC via their INTERNAL messaging service and they DID NOT HELP in resolving this issue. HSBC practices FRAUD and XXXX via OFFSHORE CROOKS. Their MANAGEMENT at HSBC thinks that EVERYONE in the US as STUPID as they are.
My phone number is ( XXXX ) XXXX.
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| 12/01/2015 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Threatened to take legal action
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Web |
Servicemember |
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I had a credit card through HSBC. I was paying on it, then I was taken off of work because of a XXXX in car accident. I had XXXX, then they found other injuries and medical problems. I have since tried to get back on my feet but still have problems. I have since tried to pay and in the last 2 months have paid well over {$100.00} toward this debt, receiving letters back from the collection agency thanking me for my payment.Copies of these letters are enclosed.
I have continually asked for the summons I was served with to be dropped because it would ruin my credit and I had made honest attempts to pay. I was ignored. I have a lot of comprehension problems. Because of this, the company has my permission to also communicate with my parents with this debt. But I preferred to do all of this by writing so we can have the information in writing.
The letters I have got thanking me for my payments have mentioned in the left corner " HSBC '' company, yet I am told they no longer have this account.
I have been making several attempts to pay my debt.Again, I have been ignored and was now served with a judgement that has now ruined my credit.
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| 06/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I had an HSBC Premier World Elite card until it was closed and converted to a HSBC Cash Rewards credit card in XXXX ( which has no annual fee ). I did not convert this card, HSBC USA did. However, I was charged an annual fee for the Premier World Elite card of {$390.00}. When my card was converted to a the Cash Rewards, I phoned in XXXX and talked to an agent and they advised me I would get a refund for the annual fee. I called back after 30 days only to find out nobody had any record of this conversation nor knew anything about conversion of bank accounts/credit cards that recently transpired in the XXXX. I have called numerous occasions asking about my annual fee refund, but unfortunately have been given the run around. So many of the agents say they will " escalate '' this and call me back. No one has ever called me back. In fact, this week alone I have called three times and have logged a almost 3 hours on the phone to resolve this issue. Why is HSBC stealing my money? I paid for the annual fee for card and benefits that no longer exist? Please give me my money back. This is a crooked business practice, HSBC. Do the right thing.
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| 12/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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To whom it may concern : On XX/XX/2019 I applied for a mortgage for {$900000.00} with HSBC mortgage located at XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX and as of XX/XX/XXXX the loan is still in underwriting and my lock in agreement is almost expired. I have supplied any and all documents they have requested in a timely manner and yet no final answer after numerous written and verbal requests that go unanswered. The staff manager XXXX XXXX has not replied to my requests verbally or in writing. The loan officer XXXX XXXX NMLS license number XXXX calls me once every 2-3 weeks with verbal assurances but those verbal assurances go unanswered. XXXX has tried to get the head of underwriting to address this matter but weeks and months have passed with no result. There are many facts to this complaint where serious violations have occurred namely rendering a decision within 30 days after the loan was submitted to underwriting on XX/XX/XXXX. completed file for approval. I have sent updates to the loan officer and to the portal to keep up to date on expired documents but these efforts as well as other attempts appear to be meaningless.
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| 09/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I am contacting you from an attorney 's office. We are in the process of selling real estate. We ordered title insurance commitment from XXXX XXXX XXXX XXXX, of XXXX, WI which showed three ( 3 ) mortgages against the property. One ( 1 ) of the mortgages has now been satisfied, the other 2 are from HSBC XXXX XXXX ( purchased from XXXX XXXX XXXX ). The title company put in requests for both Satisfaction of Mortgages in early XX/XX/XXXX ( around the XX/XX/XXXX ). Today is XX/XX/XXXX, and we have made MANY phone calls to this company ( after waiting on hold for 40mns each time ) to get these satisfaction of mortgages. HSBC states things like they have put in the request, they are in the process or they do n't know anything about it and have to start all over again. We are about to lose our closing. All we want are the 2 Satisfaction of Mortgages for clear title on this property by a company that acknowledges that these loans have been paid. We will lose our closing on XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX telephone ( XXXX XXXX XXXX fax XXXX
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| 02/10/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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I am a victim of a predatory mortgage lender. Since XXXX, I have tried to refinance my 7.99 % ARM and 11.99 % fix mortgage with HSBC with no luck. We are upside down mainly because of the high interest rate on the XXXX XXXX and peanuts have gone toward principal the past 10 years. ( Refinanced with them in XXXX. ) Adding just interest since XXXX, over {$150000.00} has been paid to this company already but that 's still not enough. ( To put things in perspective, our home was purchased {$150000.00}. ) Because we are not a FFA loan and we are upside down, no other lenders or programs helps us or wants to take on the fight with HSBC. ( And we have tried several attempts over the years. ) We are two months behind and requesting HSBC work with us now. The only response we have received past years is a few months modification and we are returned back to the outrageous loan regulations. HSBC states : " We do not refinance, only can offer temporary modifications. '' Today, the response from HSBC states our only options are a short sale or foreclosure. We do not want to lose our home, we just want an affordable home monthly mortgage payment.
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| 05/11/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I signed up for a promotion in XXXX of 2020 where HSBC would pay $ XXXX/mo for 6 months if I kept a minimum direct deposit amount of $ XXXXmo. The promotion was supposed to start paying $ XXXX/mo at about 2-3 months after opening a checking account.
I messaged them about 4-5 months after opening my checking account when I did not receive my $ XXXX/mo. They said that they could not give an answer about the issue until more time had passed from the start of the promotion.
I messaged them again recently, and they now are saying that they will not honor the terms because I did not use their " Apply Now '' button on their promotional page. Their excuse is not true. Their promotional page is the only one that I used to sign up for an account. There were two different options with the " Apply Now '' button and I remember deliberating for a while between the options before deciding to use the button that matched with the $ XXXX/mo for 6 months.
This is a classic bait-and-switch from HSBC. They promised an offer, gave me the run around when I asked about it, and now are saying that they won't honor the offer after the promotion is over.
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| 11/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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On XX/XX/2019 I applied for an HSBC Bank Gold MasterCard online ( App. ID.
XXXX ).
The application form had a US citizenship question to which I answered XXXX, because I am XXXX XXXX XXXX XXXX.
My credit was in the high 600s, good credit.
Though I gave the bank my SSN, they did not pull my credit report to ascertain who I was.But instead decided to manufacture a reason that my identity could not be verified.
Because after quoting ECOA, in the denial email, which forbids denial of credit based on national origin, and i XXXX XXXX XXXX XXXXXXXX XXXX, whoever handled my application, in my opinion, was in a dilemma.So they decided not to pull my report because it was a futile excercise or redundant.
HSBC approves ONLY XXXX XXXX for credit cards, a violation of ECOA.So no matter my credit situation, I would not qualify for the Gold MasterCard.
Fast forward to the pre-approval letter to apply for a personal loan.
If they could not verify my identity by a simple effort of pulling my credit report which takes a few seconds, how was HSBC, XXXX, NY able to access my credit report and mail me a pre-approval letter for a personal loan?
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| 03/15/2017 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX XXXX XXXX has no right to collect on a debt delinquent from XX/XX/XXXX and XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( {$900.00} and {$710.00} ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
|
| 07/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
On or about XXXX my HSBC credit got a unexpected credit limit increase. I notice on XXXX or XXXX XXXX CC statements my balance continue to increase after making timely monthly payments. I call the customer service for HSBC and reported Fraud charges with a balance of about XXXX dollars, my credit card was cancel and a new one was sent out. the next month, I notice the balance was forward to the new credit card, I call customer service and requested an explanation why ; I have monthly finance charges on a balance that it is not mine. the new credit card was cancel and the HSBC agent sent out a new credit card and mail me a written copy of the my fraud report. Now I have a debt collector calling my cell phone numerous times per day demanding XXXX dollars minimum payment.
the Balance on the new credit card is up to XXXX dollars. These charges are Fraud charges from the same people, the same charges were done on my XXXX XXXX credit card and my XXXX Credit card. those charges were corrected. this is Identity theft and the HSBC agent agreed, but the Credit card account still continues to accrued monthly finance charges of XXXX dollars.
|
| 06/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I purchased a travel reward tickets using my HSBC card ending in XXXX on XX/XX/2021 using the HSBC reward site. The 2 tickets were purchased using points. HSBC have failed in deducting the points and crediting the amount. HSBC is failing to fulfill their part of the card agreement and in addition to this are charging me annual fee on the card for benefits they are not fulfilling. In addition, because the points have not been diducted and the amount credited, i will be charged interest. I think they should pay me interest for being late and not me paying interest because of their mistake. The points used for the purchase are XXXX points = to {$1100.00}. I spoke to the HSBC reward department over 10 times in the past month. I spoke with the HSBC customer service also over 10 times regarding this. I escalated the issue multiple times with the bank and the reward department with no resolution yet. on XX/XX/2021 the bank rep got a promise that a supervisor will be calling me the customer on XX/XX/2021 and i received no call or email. Today XX/XX/2021 i called again and neither the bank or their reward department has an answer for me.
|
| 02/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I few days ago a person from HSBC came to my home and I already star receiving letters of foreclose ans short-sale.
HSBC is my mortgage company for over 10 years, since I acquired the loan I was never late before, but in XXXX my financial situation change due to my Mother XXXX done, I had to be out from work to take care her, my bills start accumulating since I was not getting pay the same. I got behind on the payments so I requested a loan modification to help me but the denied my application. I am the only person that works in my household. I appealed the decision but it was denied again without a valid reason. Moreover, they asked me to do a short-sale, I do want to lose my home. I asking the to check that I have special rider that is on my mortgage where states that the interest rate was reducing every year a 0.25 % at the anniversary of the loan since the inception of the loan in 2004. I am requesting to adjust the mortgage payment to the 4.3 % which it is my actual interest rate now, from the 7.50 % original when i got the loan. my mortgage payment never change I still owe {$89.00} and I pay XXXX monthly for the mortgage.
|
| 05/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
Please see closed complaint # XXXX. HSBC bank acknowledged they have my funds and agreed to return if my bank, XXXX XXXX, would supply an indemnification statement. My bank states they have done so on a number of occasions. HSBC first stated wording was not to their satisfaction, then stated it was not in correct format. This exchange between HSBC and XXXX XXXX began on XX/XX/2023. I am getting the runaround from XXXX XXXX, Complaint Specialist, at HSBC. My bank states they are complying with XXXX, therefore, it appears XXXX is attempting to not return my funds. Other information : I have attempted to indemnify my bank, legally by means to their satisfaction. I have offered to open an account at HSBC so they could simply transfer funds to that account, I have offered to pay for an expedited check to me and HSBC will not accept any other means to return funds other than requested in their correspondence to me on XX/XX/2023. This is unacceptable and an unfair practice given the numerous suggestions I have provided to mitigate this matter. Please reengage in this matter so I can receive funds all parties agree are rightfully mine.
|
| 12/01/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have has a second mortgage with HSBC since XX/XX/2006 at the rate of XXXX %. I have paid my mortgage on time but, after all these years my loan amount have only decrease only by {$4000.00}, and on top of that at the present time I work only part time and my spouse is on a set income. We have request for HSBC to extend our home modification on our loan because of our circumstances have not change. The modification was for only XXXX months before it ended. This is the interesting part about my situation. We received a loan to update our home for {$39000.00} about XXXX years ago. I pay {$460.00} for XXXX and half years and the rate of the loan only decrease to {$35000.00}. This mean I will never pay this loan off. I have pay them if my math is correct we have pay a total of {$44000.00} for the total of the XXXX and half year. I have pay this loan off with an additional {$5000.00}. This companies have railroad people for years and need to be put out of business. This is truly example of predator lending because you are trap unless you let go of your home. Is there something that can be done for financial companies such as these.
|
| 08/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Hello. I opened a checking account at HSBC using a promotion. My account number is XXXX.
I am supposed to receive a {$450.00} sign on bonus after I direct deposit a total of {$5000.00} in 3 months. The bank is denying the bonus claiming that {$5000.00} needs to be deposited each months. I am attaching supporting documentation.
1. Copy of promotion that I received is attached ( name of the attached file is HSBC Promotion received.pdf ). Highlighted area on pager 3 states that a total of {$5000.00} needs to be deposited. It does not say that it needs to be deposited each month. For reference, I include a current HSBC promotion that clearly states that {$5000.00} needs to be deposited each month. Clearly, HSBC recognized an oversight and corrected it.
2. Attached is copy of my bank ledger showing deposits, {$1500.00} each 2 weeks for the total of {$9000.00} for three months.
I contacted HSBC a few times and it appears that they are confusing current promotion with the promotion I received. My HSBC case # XXXX.
I would like HSBC to honor the promotion I received and deposit {$450.00} into my account as soon as possible.
|
| 09/13/2018 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Bank : HSBC Account Type : Business Checking Account Our company had a checking account for five ( 5 ) years with HSBC and in the middle of XX/XX/2018 the bank closed our account. After talking to the bank, HSBC said there was some internal mistake ( " miscommunication '' ) within HSBC. There was no forewarning, no letter, no email, no phone calls, etc. There were no negative checking balances for the 5 years and all monthly bank fees were paid in full. Our credit cards were always paid in full and we never even made a partial payment on a credit card balance.
HSBC gave us a Cashiers Check with our balance and then opened up a new Business Checking Account for us ( with a new Account number ). It took hours-and-hours to figure out what happened, then " fix '' all the outstanding checks, bounced checks with our Suppliers ( including imposed penalty fees ), change incoming wire-transfers ( e.g. from XXXX ), update outgoing pre-set wire payments, re-issue Debit Cards, change Credit Cards, make changes within our Bookkeeping provider ( using XXXX software ), etc. We researched other banks and then switched to a competitor bank.
|
| 09/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
HSBC froze my account on XX/XX/XXXX due to potential fraudulent activity. I do XXXX XXXX for a living and two of my clients pay me via direct deposit with part of their XXXX XXXX. The same two clients have paid me {$150.00} each year for over 10 years. When the 1st stimulus checks went out in XX/XX/XXXX they were deposited into my checking account. I instantly paid each person. Then the 2nd stimulus checks went out in XX/XX/XXXX and once again they hit my checking account. I instantly paid each person. After I XXXX XXXX XXXX XXXX XXXX I updated each account to avoid any future stimulus checks from hitting my account. However, on XX/XX/XXXX HSBC froze my account and they are accusing me of stealing funds. HSBC will not let me provide proof of payment to each person nor will they review the XXXX XXXX. In addition they will not contact my clients as proof that they have been paid for every XXXX. In addition to this, my mortgage payment cleared my checking account on XX/XX/XXXX and my account was froze on XX/XX/XXXX. HSBC reversed my mortgage payment on XX/XX/XXXX. Attached are copies of my clients XXXX & XXXX income tax return.
|
| 10/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
I opened a checking account with HSBC under their {$200.00} welcome deposit promotion. I have met all of the requirements to receive the {$200.00} as of XX/XX/2018. I have a written chat with a customer service representative from XX/XX/2018 with a " XXXX '' who agreed I should have received this {$200.00} deposit already and he/she instructed me to call customer service which I did. I called and had a " ticket '' opened in XX/XX/2018 and was promised I would get a call back with a resolution. It is now XX/XX/2018. I have been on hold for 30 minutes and counting with XXXX at EXT XXXX as I have called 2-3 times per week and been promised call backs every time as the only person who can resolve this is the person that opened the ticket. I was promised a call back by Monday which never came last Thurs. XX/XX/2018 by a woman at EXT XXXX. This is completely unacceptable. Every time I call, I am only told that I will get a call back, which I never get. Then the person is never working and they are the only ones that may resolve my issue. I want to cancel my account, but I am entitled to the {$200.00} welcome deposit as advertised.
|
| 04/10/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In previous contact with our mortgage lender Beneficial/XXXX, we learned while attempting to Refinance to a lower rate with other lenders. This evidently put me in a tailspin with them because even after contact their CS Representatives and going through a series of questions name, address, ss #, loan #, date of birth, and any other question to verify my identity Beneficial still as of today wo n't give myself or County Recorder of Deeds, for the State of Missouri , County of XXXX, a lien release after they transferred then sold our mortgage paperwork to another XXXX. Whether they work with or are in each others pocket l ca n't seemingly get a square or complete response out of either that is similar or comparable to one another for example an accurate payoff of now our mortgage. A note to mention before selling off our mortgage paper work they did however raise my payments now XXXX dollars + each month, which the other lender has conflicting statements but also has kept the higher payment scale to base their findings for predatory lending practices just like predecessors. Those are their likenesses as being one of the same.
|
| 02/07/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
The property located at XXXX XXXX XXXX XXXX XXXX Fla.XXXX, is our primary residence, it 's owned jointly, severally and liable to me and my wife. Due to health issues my wife was forced into an early retirement. I 'm solely responsible for the Debt Services, property taxes and insurances which are current and paid on a timely basis. HSBC Mortgage Services has an issue of me not being a signer on the note.Therefore, they 're unable to conduct a research of the account. All borrowers who are named in the security instrument must sign the note. A person whose income is not used in qualifying for the mortgage, but who does have an ownership in the property must be named and sign the security instrument, but is not required to sign the note.Further, a person who is a guarantor and who has an ownership interest in the property must sign both the note and the security instrument. As owners of this property we are requesting HSBC Mortgage Services please provide us with Documents, addressed to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Fla.XXXX ( to be ) signed and dated with authorization allowing account information to XXXX XXXX.
|
| 07/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Between XXXX, HSBC XXXX XXXX XXXX XXXX XXXX XXXX XXXX location currently XXXX XXXX failed to return interest owed for safe deposit in which payments was being made to by a checking account. The account at HSBC belong to my father whom was deceased for XXXX years before HSBC acknowledged his death. Here, and at all times HSBC benefited solely from my father checking account that paid for a safety deposit box that was entered into by government officials in the XXXX. In XXXX DEA approached HSBC with a search warrant for safety deposit box belonging to XXXX XXXX, they seized the assets in the amount of {$280000.00}. No communication was made to XXXX XXXX XXXX from HSBC to XXXX XXXX XXXX until the Summer of XXXX when XXXX XXXX approached the said branch in persons after numerous failed mail, email and communication portions. It must be noted on XX/XX/XXXX XXXX sent a check to XXXX unclaimed funds for safe deposit box rental without communication. Here HSBC failed to provide correspondence to our Estate regarding any settlement of the said safety deposit box in order to dispute the amount to be refund to XXXX XXXX XXXX XXXX.
|
| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Cosigned for mortgage in XXXX. Account seriously delinquent since at least XX/XX/XXXX. Never notified of delinquency EVEN to date by HSBC or the primary borrower. Discovered XX/XX/XXXX when routinely checking credit report. I don't even have an account number for this loan! My credit score dropped from XXXX to XXXX in XXXX because of this account. I obviously pay my bills! HSBC, by NOT informing us of the delinquency, has engaged in unfair credit reporting. How can I be expected to resolve this matter if I'm uninformed? This could have been resolved 2 years ago & modifications made. As I stated I don't even have an account number. Also we have NEVER lived at the address of the loan nor have we EVER received mail there. The address was added to our credit report XX/XX/XXXX without our knowledge or consent! An HSBC representative informed us that the primary borrower can request that the cosigners NOT receive notifications! If we have EVER been notified of issues with this account, please provide us the addresses or phone numbers notified because there are several wrong phone numbers & addresses listed on my credit report.
|
| 04/29/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I transferred funds from a XXXX XXXX into HSBC in order to open a new savings account. HSBC took my funds of over {$10000.00} then denied me access to view my account online and denied me access to my funds.
After contacting HSBC to seek resolution I was repeatedly asked for additional information about myself to verify my identity. Once I fulfilled their request they continued to deny access to my funds or viewing my acct online. HSBC continued to ask for more and more information. At that point I requested to close my account and return my funds. I had to ask FIVE ( 5 ) times before I was verbally told they would do this. I have no confirmation they are closing my account nor returning my funds.
At one point I was told to contact XXXX regarding a " fraud alert ''. XXXX had that alert removed off my acct. On another call to HSBC they told me to call XXXX and ask for information. This went on and on resulting is no ability to view my account nor access my funds. I remain unable to view or access my funds today I have attached a screen shot of my XXXX dashboard showing I have no Freeze or Fraud Alerts on my file.
|
| 10/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened an HSBC account in the United States in early XX/XX/2023. After the account was successfully opened, I applied for a credit card together. After many times of communication and supplementary information, my application was approved. During the process of mailing the card to me, I did not use it, nor did I have any operation in my bank account. They froze my checking and credit card accounts for no reason, and I was repeatedly asked to be patient, from the first 3 to 5 business days to the next uncertain time, I kept waiting for more than a month. I can only complain to CFPB. After HSBC in the United States knew about the complaint of CFPB, they sent me an email to deal with it. When I asked them how long it would take to deal with it, they didn't reply any more. It has been nearly a month since the last complaint from CFPB. I tried to contact HSBC in the United States by phone, but they still couldn't deal with my problem, so I have been waiting for it. I came here this time to complain, I hope they don't discriminate against us because I am XXXX and hold a XXXX passport, we just want to receive fair treatment.
|
| 06/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I have opened a checking account in HSBC last year. According to the promotion, I should receive {$750.00} bonus as long as I make monthly direct deposits totaling at least {$5000.00} for 3 consecutive calendar months from the second calendar month after account opening.
I have completed the requirement, but I haven't received any bonus. I contacted HSBC dozens of times through phone call or online chat. One of the representatives confirmed that I had completed all requirement and he helped to create an investigation case ( case number : XXXX ). But whenever I contact HSBC, they either told me no update on my case or gave me some ridiculous reason like I'm a trust customer which is not required for the offer, but I never have a trust account.
I know since we're in a pandemic, progress could be slow. However, this issue has been lasting for over 6 months. I should receive the bonus even before the pandemic happened in the first place. I don't think I can receive this bonus after wasting so much time to deal with them. I transferred over XXXX XXXX asset to HSBC but I still don't get the respect. I feel this is a scam.
|
| 02/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2020, I had requested that the amount of {$6600.00} be disputed from my HSBC credit card for fraudulent activity. The company by the name of XXXX XXXX had charged my credit cards without authorization. Then on XX/XX/XXXX, I had received a letter in the mail from XXXX XXXX from HSBC fraud operations letting me know that they denied my claim. After receiving the email I called HSBC in XX/XX/2020 asking why they denied my request and if I could submit evidence. The man at HSBC instructed me to email all evidence to XXXX for further investigation. After not hearing back from HSBC, I then proceeded to call again onXX/XX/2020 in which XXXX ( ID XXXX ) told me that the investigator, XXXX had denied the case and would not allow it to be reopened. I asked the employee if my evidence email had been read and they told me no. HSBC had denied my fraud claim without getting any information from me or looking at any of my evidence. HSBC is refusing to reopen the case or try to make things right. I have been a victim of from by the company XXXX XXXX and am requesting that the charged they made without my consent be disputed.
|
| 11/09/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
HSBC Bank was a revolving credit account I opened in XX/XX/XXXX. I filed for XXXX XXXX Bankruptcy on : XX/XX/XXXX, and HSBC was included in the filing. I paid on this account for over two years after filing bankruptcy until HSBC Bank discovered I filed for bankruptcy two years previous, and my account was closed. The closing date that this account was reported to XXXX was XX/XX/XXXX, which should have been corrected as : XX/XX/XXXX.
I sent previous letters to HSBC Bank with no response. My most recent letter was faxed to their correspondence department on : XX/XX/XXXX, and I have never received any response from HSBC or to XXXX. I requested that HSBC contact XXXX regarding the error to update, and correct the closing date so XXXX will delete the account with HSBC Bank from my XXXX file.
XXXX has never had any contact by HSBC to remedy this correction. HSBC Bank has been the most difficult business as they will not respond to my letters, and after charging-off my account, they generated XXXX electronic checks, and withdrew funds from my personal checking account without my knowledge or authorization in XX/XX/XXXX.
|
| 11/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
When my wife and I first entered into mortgage loan with HSBC, they guaranteed that we could review and get better rate when available. We had some issues with payments early on but for past 16 months have been timely on our payments and in accordance with their requested cashier payment and monthly payment thereafter. It has been almost 2 years, and they refuse to correct late or overdue fees and will not redo our loan at a competitive rate based on todays mortgage 's. In addition, since they will not correct their records concerning late fees, our credit report with all XXXX agencies have prevented other options to get a new loan elsewhere. The HSBC/HFC local office closed down right after we got our loan and we can not get anyone via XXXX # to understand and tell us what needs to be done to get this mortgage corrected and position for new loan at less than their current XXXX % loan. We have documentation concerning payments and requests to correct issues. Attaching original cashier payment request and following payment. We have current documentation for all payments since the XXXX/XXXX/2013 Notice to Cure Request.
|
| 02/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
|
| 12/04/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Servicemember |
|
On XX/XX/XXXX we called HSBC Bank to close out account. They told us that they would mail us a check for {$730.00}, On XX/XX/XXXX we called to see why we had not received our check. We were told that it takes 5-7 business days and the check was written on XX/XX/XXXX but might not have gone out until XX/XX/XXXX. Called XX/XX/XXXX. Check takes 7-10 business days and should arrive soon. It has been 10 days today. Wait it will come. Called XX/XX/XXXX. Check has not arrived. XXXX will check on it and call back tomorrow. Did not call back. XX/XX/XXXX we called. They will stop payment on the check but we need to sign an indemnity letter first. This must be mailed to us not faxed or emailed to verify we can receive mail at our address. On XX/XX/XXXX the indemnity letter was received by us. We completed it and had it notarized. Sent through US post office with signature requested. Letter received by them XX/XX/XXXX. Stop payment requested, but must first be cleared through bank. We need to wait until XX/XX/XXXX and a new check will be issued. We called XX/XX/XXXX. Check was mailed XX/XX/XXXX. Please allow 5-10 business days.
|
| 11/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
We received a letter in the mail regarding a debt with HSBC Bank from XXXX XXXX XXXX XXXX. That debt was paid last year, however since we did n't realize about it and we " trusted '' the letter, we accesed the online payment option which was only able to be paid with debit card or check. " The debt '' was paid with debit card just to avoid any issues, however we realized something was wrong. We called this company, they couldnt provide ANY information about it, their verification procedure was none, they said their system was down and will call back whenever the system gets back. There is only one guy answering the phone ( from a collections company, pretty strange ). Several calls after they got me to a " supervisor '' that could n't tell us ANYTHING about the debt. They did not want to return the payment and said that we should call the card to dispute the charge, but since it is debit, the money is already gone.
We are furious. We wish that someone goes after them and uncovers the truth. There are many people reviewing the company fake online as a scam. Looks like that company also violated many collection laws.
|
| 08/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2022 I received a letter from XXXX XXXX XXXX regarding the account XXXX which claimed that I owed them {$11000.00} and thus far they have illegally taken XXXX The amount alone shows that interest rates in excess of the amount allowed by the SCRA and Military Lending Act have been applied. Further the denial and ostensible shrouding of the the perpetuated " law firm servicing '' is an unconscionable and illegal burden to put on a veteran of the untied states..
I state illegally, as all of the correspondence sent to me stated my account and seized payments had been turned over to a law firm for servicing. However the correspondence never identified said law firm, nor provided any way for my to request validation of the debt, make arrangements and make sure it is within legal collection timeframe.
Further, as a veteran, they refused to provide me with a breakdown of the original debt and interest amounts, nor a legitimate avenue to procure the aforementioned. As shown in the attached payment statement from XXXX XXXX XXXX, This creditor has violated the SCRA, CFPB regulations and the Military Lending Act.
|
| 02/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
There was a fraud charge in the amount of about {$14.00} by a company named " XXXX '', most probably an affiliate of this credit card company, whom I had never heard of, sometime in XXXX, XXXX and XXXX 2020. As the result of this fraud charge sometimes the bill amounted to over {$100.00} due to late and finance fees. However, after contacting the credit card company, named HSBC, the fraud dept. confirmed the fraud and I was reimbursed with the finance fees and late fees at sometime. Unfortunately the next statement there were still some late fees and finance charges were on the statements. However, since 5 months ago I have talked to 7 different people in the fraud departments and customer services and they all have promised to bring the balance to XXXX but they just refund some late fees and finance charges but the balance never goes to XXXX. I have spent hours of talking to representatives of this company located in XXXX and XXXX named XXXX, XXXX, XXXX, and XXXX without success despite of their promise that they would bring the balance to XXXX. Please help as I have never had such a terrible experience. Thank you
|
| 03/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In XXXX i reviewed my XXXX report. a collection account is there from XXXX listing HOUSEHOLD FINANCE as the original creditor in the amount 0f XXXX and a current balance of XXXX I have never had an account with household finance, so i disputed with XXXX based on the fact that the account is not mine.
I received a phone call from XXXX XXXX @ XXXX XXXX the very next day informing me that it would not be deleted from XXXX because they dont work for XXXX, XXXX works for them. He stated that the only way it would be deleted is if i paid it. He then threatened to report it to the other XXXX bureaus if i did not pay it off by the end of the week.
When the dispute closed with XXXX in XXXX, the account was upheld with now a XXXX balance.
XXXX is refusing to answer my letters to validate the debt, and they will only give me a PO BOX as a mailing address, so i can not send them any legal documents to sign for.
They also lack the surety bond that is required by my state to collect or report a debt as a collection agency.
to this day they still will not give me any information to verify the legitamacy of this aleged debt.
|
| 10/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
About 2 weeks ago a deputy officer came to my house knocking at my door saying I owed money to a company. I did not know what he was talking about. I did not not received any notice from any company and the officer could n't explained either, he assumed I knew and started saying he could take my property and sale it in an auction or seizure my wages. Officer is from XXXX XXXX, constable, hes name is XXXX XXXX XXXX. He later sent an unofficial letter to my house with a case number. I went to the court to request a copy and found out that XXXX XXXX XXXX XXXX using the services of XXXX XXXX XXXX XXXX is the company trying to recover an old debt they bough from another company and that is not mine. The debt is from before 2006 I believe according to what I read on the documents. I never applied for any loans or credit cards to any financial institution mentioned on the documents and I did not even have any credit at that time, nor good or bad, I just did not have credit. I am already filing for identity theft and I already did report the case because I do not want to pay for something that I 'm not responsible for.
|
| 09/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I bought this motorcycle new in XXXX from my local XXXX dealer. The loan was financed by a bank identified on the title as HSBC. I paid the loan off in 6 months. I sold this bike on XXXX and transferred the title to the buyer. The buyer notified me 2 weeks later stating he was unable to license the motorcycle due to not having a signed and notarized lien release from the bank listed on the title. I looked for the lien release but was unable to locate. I looked up the bank listed on the title and contacted them stating my situation and after numerous calls and emails they basically tell me they can not help me because they have no record of my loan because they have purged their records so there is no way can can give me a signed and notarized lien release. Instead they give me a " no interest '' letter which is not signed or notarized by HSBC. I give this to the buyer and he takes it back to motor vehicle dept in Missouri and they tell him this letter will not work because its not signed or notarized. I again notify HSBC by email and again they tell me they can not help because they have no record of my loan.
|
| 12/28/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
HSBC is selling it's branches on the XXXX XXXX to XXXX bank effective XX/XX/22.
They are keeping depositors that have at least {$75000.00} in their accounts with HSBC instead of transferring them to XXXX if the account is labeled as " XXXX ''.
I have more than the minimum in my accounts with them in an " Advanced '' account. HSBC states that the account must be labeled as " XXXX ''. I have asked them to change the account to XXXX and they have refused saying it is too late. I did this early in the year when they announced the sell off of their branches.
My complaint is that they should not have kept the date to switch to " XXXX '' secret. This would have allowed depositors time to make the switch.
Also, when I ask details about my existing automatic deposits and payments, 7 year history of transactions and my list of payees for checks and if all of that would transfer to XXXX bank, they state they are not sure. They want me to wait until sometime before XX/XX/22 for that information to be provided. This is completely unacceptable and is a poor way to treat depositors who have been with them for decades.
|
| 11/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I signed up for the HSBC Premier Checking Account in XX/XX/2020 and funded the account with direct deposit in response to a promotion to receive 3 % cashback ( up to {$700.00} over 6 months / {$120.00} per month ) of deposits. After waiting more than 4 months after continually funding my account with direct deposits every 2 weeks, I contacted customer service about the cashback bonus. Initially, customer service just repeated the promotional terms to me, which I had clearly satisfied. After numerous additional calls and secure messages, I was told that my account was ineligible for the bonus because, they claim, that I did not sign up for the account from their promotion landing page. This claims is false because I specifically made sure I signed using the promotion page ( because that's how I found out about the cashback bonus and decided to open the account ). In addition, I called customer service after I signed up for the account to confirm that I would be eligible for the bonus and customer service confirmed that I was. In conclusion, I am owed {$700.00} in cashback bonus that HSBC is refusing to honor.
|
| 06/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American |
|
I have received two 0 % APR promo rate Gold Mastercard offers from HSBC Bank USA as a pre-approved prospect. I accepted their second offer ( invitation XXXX ) by applying by phone XX/XX/XXXX. They did not make a decision at that time but sent me a letter that date stating they needed my signed tax return. I have never been asked by anyone but the government for my tax return and will not submit it to them. I consider this an unacceptable request. Instead, I promptly submitted a copy of my XX/XX/XXXX XXXX XXXX IRA statement ( attached ). I explained in my email to them I can withdraw the up to the full approximate {$260000.00} balance as income this year. I sent XXXX XXXX a copy of a statement of this IRA in the 4th quarter of XXXX and they used to to justify raising my credit card limit with them from {$8500.00} to {$13000.00}. XXXX denied their Gold Mastercard to me in a letter dated XXXX/XXXX. I consider their offer and decision incompetent. I want them to delete their hard inquiry on my XXXX credit report and send me no more offers. My XXXX score was XXXX, excellent, when they processed my app XX/XX/XXXX.
|
| 09/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have an HSBC credit card, I did not receive statements for several months. I learned that I was delinquent by checking my credit report. When I called HSBC to inquire why I have not been receiving statements I was told I was enrolled in paperless. I said that I was not. I was directed to log into the customer portal to check and when I did it was confirmed that I was never enrolled. I was enrolled in paper statements. XXXX on XXXX/XXXX/XXXX apologized removed fees and interest and said a letter would be sent to remove from credit report. I received a letter on XXXX/XXXX/XXXX indicating that the letter would not be sent to correct the error because I was enrolled in paperless billing. Again, I was never enrolled in paperless as proved when I logged in that day. I asked them to play the audio tapes to confirm. I called back on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and spoke to two different people named XXXX. To date, the issue has not been resolved. This was caused by a glitch in the HSBC system through no fault of my own. I paid the outstanding balance over the telephone. I have never been late in my lifetime.
|
| 12/16/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
This account was closed in XX/XX/XXXX, apparently due to no activity. Received a statement that a substraction of XXXX done which was the balance. I didn't receive a check or no notice of it being closed. Other than getting a statement showing the transaction. I called their number and they stated the funds where sent to the state. Is that a common practice. He gave me the website and their address. Looked up the website soon after and nothing was found. I figured maybe it needed time to get uploaded, established. Then I dismissed and forgot about it. I just came across the statement and the letter that I sent to the Office of Unclaimed funds, address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I didn't received a response. This is very old but its still XXXX bucks and it's mine. Hope you can help me find a remedy.
The account was thru HSBC, address : XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX I am unable to upload the doc 's that I have. If need be can send them later, will have to my son 's assistance to do this. This account was in my XXXX last name of XXXX. I have reclaimed by XXXX name of XXXX
|
| 06/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Dear Sir, Madam, I have been using an HSBC Premier Mastercard credit card since XXXX. I have always paid on time and in full my balance statement and have maintained since the beginning an excellent FICO scores, in between XXXX.
However, since XX/XX/XXXX my financial data are not transmitted correctly anymore to some credit bureaus.
After complaining in XXXX to the HSBC and XXXX among others, I don't see any tangible results and again the past week I've been refused a credit card at XXXX XXXX and I've been refused to open a XXXX XXXX XXXX account for exemple.
XXXX XXXX, in their refusal explanation letter XXXX Adverse XXXX XXXX attached ) stated clearly that my credit score is missing and not available. They use XXXX, XXXX, XXXX and XXXX.
HSBC US uses XXXX, XXXX and XXXX, from what they told me.
I need my FICO score urgently back and up-to-date again as we are the process of asking an SBA EIDL loan for our partnership and I need other banks as HSBC US is winding down its retail market to close by end of this year they said in a letter.
Thanks for your assistance in this issue.
XXXX XXXX.
|
| 04/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I had a Line of Credit for {$20000.00} with Beneficial of Florida and 5 years ago I stopped the monthly payments because I was renegotiating with them a Mortgage for my House. I XXXX of XXXX I renegotiated the Mortgage and in XXXX of the same year I received a Law Suit from XXXX XXXX and XXXX XXXX XXXX XXXX to collect the total amount of the Lines of Credit through its Attorneys XXXX and XXXX . I answered the Law Suit saying I did n't have any XXXX with XXXX and I had never received a Notification from Beneficial informing that my account had been sold. After one year they filed a Motion to Mediation but they did n't give me the opportunity to choose the Mediator and did n't follow the Procedures of the XXXX County Court to go to Mediation. The day of the Mediation I attended the meeting but I told them that I wo n't participate because the irregularities they had done. At the beginning of this year there was a hearing in XXXX , XXXX County Court, wh ich was not attended personally by XXXX and the Judge accepted an Order to compel to mediation by XXXX XXXX , XXXX .
|
| 03/25/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Due to a court order from my divorce, I either have to refinance my home or put it on the market by XXXX XXXX, 2015. I spoke with an agent at XXXX bank who has me locked in at a rate as of XXXX XXXX, 2015. On XXXX XXXX, 2015, I 've been dealing with an HSBC agent and inquiring about my account and wondering why they had continued adding interest on the back end of my loan. She called me back the following morning and said that it was incorrect and that she would look into it. I have been telling her that time is of the essence and as of today, XXXX XXXX, 2015, it 's just now going up to another level because it 's not being taken care of. " TIME IS OF THE ESSENCE. '' I need your help on this matter because from what I see, I 'm going to loose my rate that I 'm locked in on and if I had sold it, I could have very easily lost that deal due to insufficient knowledge of a bank that holds not only my mortgage, but millions of others. Knowledge of something that they should know. A bank that has not given respect to a long time customer and XXXX that is trying to fulfilled court orders. Please help!
Sincerely
|
| 02/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
Hi I have an HSBC XXXX XXXX. HSBC put through a balance transfer of {$1500.00} on my account without my consent. They have acknowledged to me that they did this without my consent and are blaming it on a system error. They are refusing to credit be back the {$1500.00} and the fees they charged me for the balance transfer. They claim it is an automated system error and they can't 'reverse ' the error and hence I have to 'live with the balance transfer '. This is OBVIOUSLY illegal. Additionally, they have been charging me a cash advance fee of approximately {$220.00} each month when no cash advance was ever taken on the account. They can't find a record of any cash advance ever taken by me, but have been charging me every month. Additionally, I sent a payment of XXXX 8 days ago, and they said they don't have to apply the payment until 10 business days later - thus charging me interest for the amount. HSBC has refused to call me back in this regard citing their system error and has refused to rectify all errors. Please help me as they are clearly behaving illegally. The account number is XXXX XXXX XXXX XXXX
|
| 05/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
We have a XXXX checking and a XXXX credit card account at XXXX XXXX as we are frequent travellers. Using the card for online purchase ( e.g. flight tickets ), at the time of payment after being redirected to the XXXX interface, when the pop-up windows appears to elect the second authentication method ( SMS or voice call ) I am always presented three time the same phone numbers in the drop box instead of showing us our three different phone numbers. Although we have well entered our various phone numbers in the bank-account, in the personal detail page ( see attachment ), it only reflects one single option repeated three times. We keep always three different operational numbers to make sure we are not stuck in case of roaming issue with one telecommunication operator while abroad or in case of excessive delay for the XXXX bearing the 2FA code to reach us. We escalated the problem twice over the past 12 months but it has not been corrected since. It has to be noted that before this was working well two years ago. Attached are a screen copy of the issue showing the duplicated same number in the drop list.
|
| 03/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been trying to work with my lender, HFC for almost a year to get a modification. The reason I am filing a complaint is they give me contradictory updates when I call them to check the status of my mod. I last applied XX/XX/XXXX, and was told that my file had the necessary bank statements. XX/XX/XXXX I was told that my statement was missing a page. I asked to speak to a supervisor and they told me one would call me back. It has been 7 business days and I never received a call. This is just the latest action they have taken to keep from reviewing my file for a modification. They continuously tell me documents are received and complete, and then change the story weeks or a month later. They never acknowledge the previous info I was given and instead tell me that it 's simple to just send the info again. But without honest communication from them, that is impossible. I would like them to know that I have filed a complaint so they will hopefully treat me and my situation with more respect. I am doing everything I can to work with them, but they seem unwilling to work with me, but never say that to me.
|
| 12/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I lost my HSBC debit card in XXXX 2017. When I noticed the loss I immediately contacted XXXX XXXX and they informed me about fraudulent charges of XXXX XXXX. I was told that my funds will be restored and they will send me a new card. I contacted XXXX police department and filed a police report XXXX and I also filed Identity theft report with Federal trade commission XXXX too. I provided all that information to HSBC and their employee XXXX XXXX. It is already three month that my funds are not restored. I contacted HSBC several times and nobody helped me. Everybody told me that I should talk with XXXX XXXX and that person was never available or returned my calls. I am out of XXXX XXXX of my hard earned money and HSBC bank never tried to help me and secure my funds. None of their employees ( especially XXXX XXXX ) or supervisors did any investigation or contacted me to help this matter. This type of service from HSBC is against Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, and from my experience they dont care and have no interest helping their client.
|
| 04/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been paying my mortgage for 14 years and have never been late, until XXXX when I was diagnosed with XXXX XXXX and under went treatment. I explained my situation to my mortgage ( HSBC ) company and requested a loan modification, but was denied. I reapplied for a loan modification in XXXX but was denied again due late payments. XXXX XXXX HSBC sent me a notice regarding an increase in my escroll account and that I could pay the difference of my to prevent an increase in my monthly payment, which I did. In XXXX of XXXX my monthly payments increased. It took six month and several hours on the telephone with HSBC to find my payment and apply the correct account. In XXXX of XXXX I had no choose but to obtain a lawyer for assistance with my home mortgage loan. My lawyer requested a loan modification and was told that I has already modified my loan in XXXX, which was not true. In accordance with the Affordable Home Act I should be able to modify my loan by reducing my 6.5 interest rate to current comparable rate. HSBC had continuous denied my request for load modification without any valid justification.
|
| 11/24/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I opened up XXXX mortgages with HSBC. Part of the agreement for getting a preferred rate was to open also a XXXX XXXX and deposit {$100000.00} which would get an interest of 0.01 % because they were giving me such a great mortgage rate. They also said if the account dropped below $ XXXX that I would be penalized {$50.00}. Since the loan and the account were connected it was assumed that when I refinanced with another bank that the stipulations would end with the mortgage loan from HSBC. But, it turned out that they continued to deduct $ XXXX/month for 2 months after I ended our mortgage relationship. Point2 : It was an exchange of interest points between lower mortgage rates and a LOW interest rate on my money to wash the cost of the money against $ XXXX sitting idle in the account. Point2 : The account and the mortgage were linked and should have been separated when I move my banking. Point3 : I spoke with XXXX XXXX XXXX who basically said it did not matter that I moved my mortgage that the account has a mandatory limit regardless of the mortgage position. This makes no sense to me, I 'm not a banker.
|
| 07/29/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
I would like to bring to your attention for follow up investigation HSBC Mortgage, Beneficial Mortgage and their affiliates : Regarding modifications they only offer the following : XXXX month trial modifications or XXXX year Trial Mod in which borrowers are reported late to the credit bureaus ' while making payments on time. In addition, any savings during the trial mod payments are added back into the mortgage the end. The negative credit reporting make it impossible to refinance leaving borrowers with the same high interest mortgage at the end of the Trial Mod payments. If you try to call HSBC or Beneficial all the most of the numbers are non -working and when you eventually get through to a live person, you are given a telephone number to call that is a non working number. This is in my opinion an on going intentional practice by HSBC and their affiliates in an attempt to continually keep borrowers from obtaining improved mortgage terms because the continued negative credit reporting lowers credit scores making it impossible to refinance to obtain a better mortgage. This has been going on for years
|
| 02/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Dear CFPM official, I opened an checking account with HSBC in XXXX, 2019. The bank advertised a promotion that if XXXX is directly deposited into the bank for three consecutive months, there will be {$750.00} sign on bonus. I set up the direct deposit immediately after the account opening and ever since saves more than $ 70k. I was also informed by the HSBC customer service in writing that the requirements for the bonus has been met and I just need to wait to receive the bonus..
I have never received it. After repeated inquiry, I was informed by another HSBC team that I was not eligible because one of the requirements is the first $ XXXX must be deposited within the 1st " calendar '' month after the account opening. This is a ridiculous requirement since the account was opened in the middle of a month and the payroll of my company, or probably any company, need time to process the change of the destination bank of the direct deposit. I consider this requirement unethical and intriguing. I kindly request HSBC to grant the reward.
My checking account number is XXXX and my name is XXXX XXXX Thank you.
|
| 03/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I opened a new checking account with HSBC on XX/XX/XXXX in XXXX XXXX, California and funded my account electronically.
On XX/XX/XXXX, fraud charges started posting to my debit card, which I never received nor activated myself, and I was not notified when it was activated.
I received an email from HSBC at XXXX XXXX on XX/XX/XXXX while I was in XXXX, XXXX, claiming a temporary block has been placed on my card. I tried to ask the reps on the live chat twice to block my card since the number provided in the email does not work due to holiday hours, but nothing happened. The fraudulent charges on the card keeps coming until I called a 24/7 number XXXX XX/XX/XXXX. A total of {$4100.00} was lost.
I tried to submit a fraud investigation on the phone, but the process was not helpful and nothing significant was refunded. I had to talk to my personal banker on XX/XX/XXXX and got HSBC 's investigation team on the phone, but they asked me to file a police report.
I filed the police report on XX/XX/XXXX and have been waiting for almost two months for a response but I have not received any refund from HSBC.
|
| 10/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX I opened an HSBC Advance Checking account with a bonus promotion code of XXXX. This bonus promotion code stipulates that I would receive {$350.00} after meeting some conditions which include : Deposit {$10000.00} within 30 days of account opening and maintain {$10000.00} for 90 days. Also included in terms is that HSBC customers who held an account between XX/XX/XXXX and XX/XX/XXXX would not be eligible for this promotion. I can confirm that my previous HSBC checking account ( Choice Checking ) was closed on XX/XX/XXXX, which makes me eligible for this offer. I can also confirm that the initial {$10000.00} deposit was completed on XX/XX/XXXX and was kept for 90 days, well past XX/XX/XXXX. I have not yet received this {$350.00} bonus promotion. I have attached the terms of the offer.
After contacting HSBC, they can not determine why I have not yet received the promotion. I have contacted them multiple times and each time no representative will escalate the call and constantly say " They have opened a ticket and will follow up '' with no follow up calls. Extremely poor customer service.
|
| 01/26/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XXXX offered a insurance plan to insure your debt if you became to sick/lost of job or unable to pay. I was charged a monthly fee for several years. when I became ill and was unable to pay my debt, I applied for the coverage ( 6 times ) they kept saying that they lost the paperwork. A class action law suite was enacted by other members having the same problem. it turns out that they never intended to insure the debts and pocked the money between themselves. " XXXX XXXX & XXXX XXXX v. XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX class action. ( letter enclosed ) You will see that they settled and a cash settlement was awarded to each of us. this debt should have been cleared but it was sold to a third party who calls and sent letters o collection, also they reported this debt to all three credit reporting agencies, causing me to have a lower credit score and denied credit. their name is " XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX phone # XXXX. I have spoken to them on several times and they stated that their boss would not let them look into this matter. what legal action can take to resolve this matter
|
| 10/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a call from a " process server '' and they told me to call another number to try to resolve a case they were trying to serve me for without saying what I was being served for. The company that I called acted like they weren't sure what to do with my debt and since the process server said their phone number, then they guess they could continue the mediation process. I asked for information in regards to what this was and they claimed I should have received paperwork back in XXXX, which I had not. I can't find their business online anywhere and the phone number I plug in doesn't return any associated business. They did send me an email with only payment options but no address or other information for the debt or their right to collect the debt. They informed me the only way I will get paper documentation would be to get served. Also if I did a debt validation letter that wouldn't stop me from being sued and it would take too long to get the information out. They also said I would owe over {$5000.00} if it went to court but if I did out of court options it would only be around {$1300.00}.
|
| 10/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Contacted by XXXX XXXX, or XXXX XXXX and XXXX regarding an old credit card account. They left a message saying they would be filing legal action against me for an old charged off credit card debt with HSBC bank. Called them back and spoke to XXXX XXXX, who told me that I opened an account with XXXX XXXX XXXX Rewards Master card in XXXX, charged off in XXXX, and the last activity was in XXXX. The told me I owed XXXX on the credit card, and the total was over 2K with penalties, fees, and interest. He told me it was being reported to the credit bureau and would ruin my credit score. I have never had a card with this lender or bank. He provided some detailed information about my current credit history including current and past address. I was divorced in XXXX, so I thought maybe my ex wife took a card out in my name, which she has denied. They have called multiple times from an unknown number with a call back number of XXXX. To date, I have nothing showing on my credit report, or anything in writing. He attempted to have me pay off the XXXX in full and had the bank 's authorization to do so, he says.
|
| 10/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I took out a mortgage with HSBC to buy my home XX/XX/XXXX.all payments I make electronically from my bank account.it always shows the date withdrawn, the date received and a confirmation number.back around XX/XX/XXXX HSBC wrote me and stated I should start sending my mortgage payments to XXXX XXXX.I started paying XXXX XXXX electronically from my bank account.XXXX has been sporadically reporting me late to the credit bureau even though they receive these payments on time. I contacted them and was told that HSBC and XXXX are the same company and that they are very busy but it will be straightened out.They have done nothing to correct this error.HSBC has been taking my mortgage payments for 5 years hold them and then reporting them late. I believe the reason they do this is to damage my credit stopping me from refinancing out of their loan.I am not alone in this practice.there are XXXX 's of compalints online about HSBC and XXXX mortgage. HSBC owns my mortgage.They make me send my payments to XXXX mortgage and then they report me late to the credit bureaus using the name Mortgage service center.
|
| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I had a delinquent report on my HSBC Credit card since the auto pay was returned due to non sufficient of the funds on XXXX XX/XX/2020. However, I have the HSBC Select Line of Credit for Overdraft Protection, which was setup to cover for non sufficient funds on the checking account. The HSBC Select account should have handled this case and there should not be a delinquent report.
HSBC customer service said - " The HSBC select credit account will not cover for HSBC Credit Card payment as per the EZ pay policy ( auto pay ). " - They also mentioned this information is only showed at the time of enrolling the auto pay service. This is completely false. There is no mention of that.
Here is what it says in a very small box during autopay setup : " Note : If there are not enough funds in your bank account to cover your payment, your credit Account will be charged a Late Payment Fee, as disclosed in your HSBC Cardmember Agreement. In addition, your bank may also charge a returned check fee. Your enrollment in the AutoPay program may be cancelled due to returned payment history on your Account. ''
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| 04/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
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|
Web |
|
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I did a credit card transfer to HSBC several months ago to take advantage of 0 % interest for X number of months. I was given a {$5500.00} limit which is far below what I get with other banks given the money I have and my good credit in the past.
Recently, I made charges that went roughly $ XXXX {$200.00}, beyond the limit. I do not keep track of what I owe because I have plenty of money. This is my only debt!!!! I could pay this off today if I wanted but I need some credit.
When I went over the {$5500.00} in spending HSBC NEVER DECLINED THE SALE!!!! When I spoke with XXXX at XXXX ( collections ) she told me it was my responsibility to know how much I owed, hence saying it was my fault this happened.
NOW MY XXXX SCORE IS DOWN TO XXXX. This is unacceptable!!! HSBC took my money then punished me for it. I am seeking employment and this will cause a problem. With my next payment I will be within {$30.00} of my credit limit. Again, I COULD PAY THIS OFF TOMORROW BUT I NEED CREDIT and given the trying times I am not going to pay this off but I might transfer it elsewhere given the treatment.
|
| 12/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Credit Card Company : HSBC, U.S.
Their address : XXXX XXXX XXXX, XXXX XXXX XXXX I've advised HSBC U.S. about a charge processed on my consumer credit card on XX/XX/18 in the amount of {$44.00}. This transaction, according to records, occurred on a gas station in XXXX XXXX.
When i saw this transaction posted I immediately contacted HSBC and told them that such transaction had not been originated by me, and i confirmed to them that the card had been always in my possession.
At the time of me reporting this I was in XXXX XXXX using the card, and, as you will be able to see on the documentation attached, previous to that i was in XXXX, XXXX ( where i reside ) and in XXXX, XXXX ( for work ).
I was in XXXX ( in early XX/XX/XXXX ) but always in XXXX 's vicinity, nowhere near XXXX XXXX ( which i have never visited ).
HSBC declined the dispute based in my " spending pattern '', would like for them to detail how many more transactions they see coming from XXXX XXXX for them to support their assessment.
I'm extremely displeased with their decision that's why im pursuing this matter through you.
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| 10/20/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
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Web |
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I HAVE SAVING, CHECKING, DEBIT CARD, CREDITCARD AT THE HSBC IN CALIFORNIA BRUNCH.
1-I CAN NOT USE MY ACOOUNT PROPERLY ON INTERNET BANKING WITH BIIL PAYMENT, BANK TO BANK TRANSFER, WIRE TRANSFER.DATA BASE PROGRAM INCOMPLETE, EACH TIME I REPORTED THE ON MY ACCOUNT WITH HSBC EMAIL SYSTEM .ALSO CHAT ROOM SUPPORT. HSBC STOP RECORDING CUSTOMER PROBLEMS ON EMAIL SYSTEM.
2-MY DEBIT CARD IS NOT FUNCTION ON MY ACCOUNT WITDROW MONEY AT ATM ON INTERNATIONAL BANKING XXXX XXXX.BECAUSE HSBC DOES NOT HAVE INTERNATIONAL BANKING IN XXXX. I HAVE TRAVELED HERE IN XXXX FOUR DAYS WITHOUT MONEY WITH HSBC.
I CONTACTED HSBC CUSTOMER INTERNATIONAL SUPORT GROUP NY, XXXX, XXXX .I REPORTED ALL THESE PROBLEMS WITH PIN, CARDS PROBLEM AND SO MANY CHECKING TO DO WITH CUSTOMER SUPPORT .THEY ALL HIDE THE PROBLEMS OR THEY HAVE NO INFORMATION TO TELL ME AS CUSTOMER DIRECT.
HSBC HAS VERY BIG PROBLEMS AND UNFAIR DEALING WITH AS CUSTOMER.
ILLEGAL HOLDING MY BANK ACCOUNT AND I CAN NOT TO USE MY MONEY.
I HAVE NOT BEEN TREATED FAIRLY.HSBC BANK IS VIOLATING BANKING REGULATION AND CONSUMER PROTECTIONA LAW.
SINCERELY, XXXX XXXX
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| 04/25/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
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|
Web |
Older American |
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My ex-wife tried to refinance her home, the home had a 2nd on it from HFC. The loan would go through because HFC reported that I still owed money on the loan. HFC reported that I owed {$5000.00}, plus interest for the last 5 years, meaning I owe them {$10000.00}.
The 2nd from HFC was included in my bankruptcy 5 years ago. The debt was paid and the bankruptcy court sign off on my case about 5 years ago.
I believe that HFC is acting in bad faith by not accepting the payoff, in addition they have had the 5 previous years to notify me of this debt, they have n't, nor does a failure to pay a debt show up on my credit reports. I believe HFC is wrong.
If HFC underreported the debt owed, they had ample opportunity during the bankruptcy process to amend the dollar amount of the debt. HFC never corresponded with the Trustee who was managing the bankruptcy account or the courts. I believe they purposefully are trying to act in a fraudulent manner to take money that they are not owed on the 2nd trust of deed. I want HFC to sign off and take the lend off the debt that was paid off by the bankruptcy.
|
| 09/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XX/XX/18 Someone named Mr. XXXX called me and told me I was being sued and to gave me a fake court date. He gave me my ssn and my wife 's ssn. Then claimed that I needed to show up in court unless I settled the debt today. I asked which account it was for, how much, and who was he filing on their behalf. He wouldn't tell me. He then said I needed to be a decent human being and pay this debt today. After I asked him what account and when was it from, he began to launch personal attacks. He mispronounced my wife 's name and then just used her middle name. Then said that my wife could have done better than marrying a dishonest person like myself. And then he hung up on me. I called him back 4 different times. He continued the personal attacks and hung up on me each time. He then called my wife and continued the personal attacks. Not once did he say he was calling from a collection agency. Instead he claimed to be an attorney from XXXX XXXX. XXXX. He has now called my work numerous times. I told him not to call me there and call me on my cell. He purposely keeps calling my work and my wife.
|
| 10/21/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
My complaint is that this company knowingly continues to provide unfavorable and harsh collection/reporting of my account to the consumer and XXXX major credit bureaus ( XXXX and XXXX Credit Reporting Agencies ) ; therefore, they are continuously violating both the Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting by misrepresenting the ( 1 ) amounts owed, ( 2 ) payment made ( 3 ) terms of account ( 4 ) fees ; thus, knowingly and purposefully reporting and providing ( a ) incomplete, inaccurate, unreliable and missing information ( b ) obsolete and outdated information that should no longer appear ( c ) information that possibly reveal medical information ( e ) incorrect notation in listing account as open when they are closed or accounts that a do not indicate " closed by me and not the creditors '' ( e ) incorrect payment status ( f ) more than XXXX delinquent date ( g ) wrong notation for closed accounts ( h ) failure to correct misrepresentation and accounts that have been remedied ( i ) refused to investigate the disputes before continuing to collections.
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| 01/31/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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I opened an account with {$10000.00} on XX/XX/XXXX and deposited at HSBC Bank. I left the amount in there for the terms requirement and longer to received the {$350.00} bonus but never received it. I messaged the company after 120 days but was told to wait the full 8 weeks from the 90 days point. I was told at the time, I fulfilled the requirement and would get the bonus. I waited the full 8 weeks and chat with them again, just to be told the marketing team will be going in to it on XX/XX/XXXX. The message, I received is that the marketing team will investigate and get back to me within 3-5 business days. I waited until XX/XX/XXXX and still have not received a response. Here is the terms of the of the account.
Advance checking {$350.00} bonus requirements Open new HSBC Advance checking account by XX/XX/XXXX Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance
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| 10/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
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|
Web |
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I contacted HSBC on XX/XX/ because I was unable to add a credit card account ( with another institution ) to their bill pay service. As of XX/XX/ their bill pay service has not be fixed and I have not been able to link the bill pay service for credit card account.
Additionally, I signed up for a promotional account opening bonus using a promotional link on XX/XX/. Terms stated that I would be required to make a direct deposit of {$5000.00} for three months ( XXXX, XXXX, XXXX ). The {$5000.00} direct deposit was made every calendar month from account opening to today ( XX/XX/ ) and I have not received the account bonus yet. I have contacted their customer support on XX/XX/ and they claim that I did not use a promotional link. I know I used a promotional link because when signing up for the account using the promotional link, I was able to save a PDF of the terms and conditions of the promotional account opening. I followed up on XX/XX/ with HSBC customer support and was still denied the promotional bonus.
I have a transcript of my conservations with the customer service agents.
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| 02/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
> I purchased a XXXX XXXX from a private party on XX/XX/XXXX > I have a Bill of Sale and the Title of the Jetski which was transferred to me.
> The original owner purchased the jet ski XX/XX/XXXX and it was financed by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX.
> The title lists XXXX XXXX XXXX XXXX XXXX as the Lien Holder.
> As the new owner, I'm required to register and title the Jetski in my name in the State of Missouri where the Jetski is currently titled.
> The original owner never received any documentation from XXXX XXXX XXXX XXXX XXXX stating his loan was paid off and now XXXX XXXX XXXX XXXX XXXX is no longer in business.
> I contacted XXXX and learned that XXXX XXXX XXXX XXXX XXXX was acquired by XXXX XXXXXXXX XXXX, XXXX IL in XXXX.
> I've tried to contact XXXX XXXXXXXX XXXX to gain a Lien Release document on the Jetski per the title. But when I call the phone number or try and contact them it goes no where.
> Additionally, I see a lot of very similar complaints on the web of this very same problem.
> I've attached the Title and Bill of Sale scanned Documents
|
| 02/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
this is in regards to an HSBC credit card account # ending XXXX i called them early XX/XX/2018 to pay off my balance. After being transfered multiple times i was transferred to the collection department only to be told no one could take my payment and gave me # XXXX to call and pay. i called that # only to be told they did not have the account. On XX/XX/2018 I called HSBC again transferred multiple times again to be told they cant take my payment and to call XXXX XXXXXXXX XXXX. I calld XXXX XXXX XXXX and paid them in full on XX/XX/2018. They did not give me a receipt. but did say it would update to a paid in full within 30 days. That never happened. Now as of today HSBC is reporting a " chargeoff '' to the bureaus reflecting a derrogatory on my credit costing me my home loan. I want this rectified as I do not have long and want to leave a clean slate for my family. This is horrible that my credit report reflects payments on time at 100 % for this company who I have tried to work with and pay since the summer.!!! This is unacceptable and demand this be removed from my credit file.
|
| 07/17/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
Today I was at work when I was interrupted by my Supervisor around XXXX and was notified that Security needed to see me. My supervisor escorted me to Security and I was handed some paperwork. The man appeared to have a badge on his blue shirt that read " Constable ''. I was told by the man who had the badge that I was being served for a credit card but that it was n't a big deal and that I had 20 days to respond. He was explaining to me that I was being sued for a credit card but he did n't ask me to sign anything and I did n't end up sign anything at all which I thought was odd. After taking a look at my credit report, I noticed that this debt was from XXXX and the last time I had made a payment was XXXX. According to Nevada law I know that they only have 4 years to sue me which would have been XXXX and I know that they can not come to my place of employment. They have violated my consumer rights by trying to sue me now in XXXX and coming to my place of employment. I am also not sure if the person was really a law enforcement official or not I 'm still trying to figure that out.
|
| 01/09/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
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|
Sometime on XXXX 2016, we opened a Bank Account in HSBC BANK USA , NA. Immediately after this, we received XXXX debit cards, on my wife and mine name. After a week or so, the bank account was never opened by HSBC, so we trashed the XXXX debit cards and close our relationship with this Bank. To this date, we are receiving monthly statements on my wife 's debit card showing no activity or use of the card. Today I received XXXX open bank checks on my wife 's name. Being aware of the many cases of happening fraud, I have called the Bank to cancel this debit account. Finally an operator said she can do it if I supply certain information, including our passport number, date of birth and a few other questions. I requested to speak to a manager, without any results. I hope that your Bureau can help us on this matter as it seems impossible to solve the problem speaking with bank. The name of the account owner is : XXXX XXXX, our address is XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX NEW YORK, XXXX. Telephone # is XXXX. Account ends in XXXX.
Thanks in advance for your help on this matter.
|
| 06/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I contacted HSBC many times about my mortgage payments. I asked for an interest rate adjustment, refinance, etc.
After some discussions I decided to enter an interest rate modification.The modification allowed me to send a mortgage refinance estimate from a competitor and then HSBC would beat their rate and adjust my mortgage rate.
On XX/XX/XXXX, I carefully reviewed a 2 page contract send over by HSBC to adjust my rate. After reading the terms and conditions I esigned the document. This adjusted my interest rate to 2.9 % and allowed HSBC to keep me as a customer instead of refinancing with XXXX.
I was then charged a {$1400.00} rate modification fee on my next mortgage statement that was not mentioned in my signed contract. HSBC provided a copy of the contract ( see attached pdf ) which does not mention any fees.
HSBC is claiming that an email they sent contains additional terms. I don't see how an email that I didn't agree to can add extra terms to a contract I signed without those terms.
I paid the {$1400.00} fee as I didn't want a late fee but I dispute the charge.
|
| 08/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
We closed our HSBC Platinum MasterCard credit card account on ( or shortly after ) XX/XX/XXXX. The card still had a balance at this time. Upon closing the account, we were forbidden from making payments online. However, no paper statements were ever mailed and no payment address was provided online. We repeatedly called and asked to be sent statements.
On XX/XX/XXXX, we made a monthly payment over the phone and requested again to be sent a monthly statement ; in response, the statement for which he had just paid was sent, but no further statements were sent and no due dates or amounts due were ever provided.
On XX/XX/XXXX, we were charged a {$25.00} late for failing to make a payment, even though we never received a bill and were not allowed to pay online. Our account, which previously carried 0 % interest until XX/XX/XXXX, is now incurring interest daily. Furthermore, our credit score is potentially damaged due to the late payment.
All of this appears to be a deliberate attempt to extract fees and interest from customers by forcing them to miss payments on their account.
|
| 04/30/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Around XX/XX/2021 we noticed a balance transfer from our credit card and reported it right away to the credit card company HSBC. They said they would take care of the matter i had to ask them for a replacement card they wouldn't of replaced it if i asked them which you would think they would if i just reported a fraudulent transaction. So we asked them to investigate and there investigation was a copy of the check which was cashed on XX/XX/2021 9 days after we reported the transaction plenty of time to stop payment.the transaction was for {$1500.00} plus balance transfer fees and monthly interest we are 7 months into this now the police investigated and found it to be fraudulent notified HSBC every time we call HSBC they tell us they check and call us back. Because of this my credit rating dropped XXXX card closed our account and XXXX others lowered our credit limits causing my score to drop due to debt to ratio we lost {$10000.00} worth of credit from the other cards. Can you please help apparently they don't care when even the XXXX, pa police dept. found it to be fraudulant.
|
| 03/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have tried for 3 days this past month to pay my credit card via -- online account -- Smartphone app -- telephone -- HSBC chat help via phone app and online account I am attaching the only error screen that is available to me, when I try to make the payment online. The problem is not with any of my devices, the credit card iself, or the payment bank account, as all these have been successfully used elsewhere during this time.
I am currently on the phone for over 2 hrs 15 minutes, waiting for help.
My due date is approaching, and this is my last chance- I do not have hours to spend on this. There is a problem with the HSBC system, where the methods I have used for the past year or so are no longer working. The only help I have received is form a chat representative who told me that the " system was being updated '', and from a phone representative, after an hour or so, saying that the " manager hours and over ''.
As soon as I can pay off this minor amount, I plan to cancel the credit card.But I would like some record of my good faith payment tries, if I am unable to pay.
|
| 10/19/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX/XXXX/2016, I applied online for a checking account with HSBC and to date, as of XXXX/XXXX/2016 I have never received any confirmation of my account. An attempt to contact them via telephone proved futile as well. At the time of account opening I authorized a deduction from another personal checking account in order to open the account so these funds are now tied up. I passed all of their security questions and their web page indicated that I would receive a final " review '' within 72 hours, ( see below ). I believe that due to the fact that I listed income received from Social Security that they are delaying opening my account and hoping I forget about it especially given the fact that they offered an incentive to open the account and apparently are screening applicants by questioning if they will receive Social Security payments in their accounts as the question was posed multiple times.
" Please note that online applications may take up to 72 hours to be reviewed. To ensure an optimal experience, please complete the application in full with accurate information. ''
|
| 06/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
I opened an HSBC account back in XXXX of XXXX and I was notified by HSBC that my account will be closing. On XXXX of XXXX I went to local branch in XXXX XXXX California they took copies of my identification and told me that they cant help me because accounts were opened online. I called the customer service number and I was told branch can help me. XX/XX/XXXX I was told account is closed and funds have been sent in form of a check. I waited XXXX, XXXX, XXXX, XXXX and now we are in XXXX to this day I have not received anything. On Thursday XX/XX/XXXX I went to XXXX California local branch of hsbc bank asking them about the status of the account and I was told they cant help. Then I called the customer and he assured me that branch can help me. I went to the branch and I was told thats a lie. HSBC has been lying and keeping/holding my funds when they have no grounds to do such thing. The very last person I spoke with the bank he assured me that I will Get the money back however nothing has been received. Here is information for your reference : XXXX operator ID. XXXX Thank you
|
| 04/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a home mortgage with XXXX ( Loan number : XXXX ). Basically I paid off some money but they still charge me same monthly payment after 4 months. I call them many times but they dont want to proceed my request.
I paid off {$100000.00} for my mortgage in last XXXX, and submitted recast request on XX/XX/XXXX. It's been 3 months, and my request is still not completed. Tomorrow ( XX/XX/XXXX ) will be my next payment date. I'm paying 400+ more money every month than I should During these 3 months, i called mortgage customer service many times. They always asked me to wait, or gave me wrong info like " we will finish it by this week/month ''.
Finally a supervisor helped me last week. She called mortgage department and asked them to complete my case before XX/XX/XXXX. But today when I called them, still no luck. I escalated, they just told me a manager will callback. I want to get my money back, but they dont care and dont want to help me as usual.
I believe they want to charge me more money every month, and escalation doesnt work. Not sure how long it could be completed.
|
| 08/05/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
There was a break in and fire at a home i owned that was about to be foreclosed on. I was issued a check for an insurance claim in 2008. XXXX mortgage was a payee, along with myself. 2 months after the fire, the house was foreclosed on by HSBC Bank, which bought my mortgage, along with attorney XXXX at XXXX. The attorney asked me to mail the check to them, and they would sign it and return it. They said it was mine. I sent the check, the never signed nor returned it to me. years later, i find the check is still uncashed and the insurance company is telling me its unsigned and that i need to claim it I begin contacting the attorney, which wont call me back. I contacted the bank several times. I talked to people who identified themselves as XXXX XXXX, XXXX XXXX, XXXX XXXX and more. I contacted them on and off for a month and a half this year to no avail. They ended up telling me they could not help me, i needed a letter from them signing off from the insurance claim, so it could be taken care of. They told me to contact the attorney.. whom i contacted several times to no avail.
|
| 02/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I filed Chapter XXXX Bankruptcy on XX/XX/2020. One of the creditors listed in XXXX XXXX XXXX XXXX, HSBC Bank USA, N.A., of my bankruptcy petition, has sent me a 2020 tax year 1099C. Under the identifiable Event code, ( XXXX XXXX ) they claim it as XXXX XXXX - " a decision or policy to discontinue collection ''. It should in fact show in XXXX XXXX the following code XXXX XXXX " bankruptcy ''. Due to the inaccuracy I would have to pay taxes on this " forgiven '' debt versus a " discharged '' debt through the bankruptcy.
I will file a form 928 with my taxes in hopes that IRS will realize I do not owe this and it was filed in bankruptcy however I want this changed. I know I am not the only person this is happening to. HSBC has refused to talk to me and there was no point of contact included with the 1099C when it was sent.
I feel that this is a shady attempt to get money out of people who are already in financial despair but who have done what they were supposed to do legally, to rid themselves of the debt.
My Discharge from the Chapter XXXX bankruptcy was dated XX/XX/2020.
|
| 02/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Dear Sir or Madam, Back in XX/XX/XXXX, I've received an offer from HSBC for {$750.00} bonus when a checking and savings account will be opened and some requirements will be met : https : //www.us.hsbc.com/checking-accounts/campaigns/offers/ # premier-checking-details On XX/XX/XXXX, I opened both checking and savings accounts, funded the savings account with {$100000.00} ( the required combined balance between the 2 accounts had to be at least {$100000.00}, as required by one of the conditions ).
Another requirement was to maintain a balance of at least {$10000.00} for 90 days and then, approx. 8 weeks after the initial 90 days, {$750.00} will be deposited into the checking account.
On XX/XX/XXXX, HSBC took the initiative of closing my checking account and forfeiting the {$750.00} bonus, although they still have my {$100000.00} in the savings account.
All my attempts to resolve this issue with HSBC were unsuccessful. Therefore, I'm kindly asking for your assistance. Should additional information be needed, please let me know and I'll gladly provided.
Sincerely, XXXX XXXX
|
| 06/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Credit Card with HSBC was used fraudulently and HSBC alerts were not sent to me when fraudulent activity was occurring. I was made aware of the fraudulent activity only when I was sent a bill showing a past amount due. I immediately called HSBC to report fraud and to have the fraudulent charges removed ; however, there were finance charges and late fees derived from the fraudulent charges that needed to be removed as well. I was told that it would take a minimum of 60 days to investigate the fraud charges, but that my account would STILL BE REPORTED LATE to the credit bureaus. I was told that only AFTER the investigation I could get the finance charges and late fees removed from the account and THEN they would update the credit bureaus to update the balance. However, the bank should not report this account late or show delinquency on my credit report due to fraud. Furthermore the delinquency reporting needs to be removed from the credit report and not just the balance updated to show as paid. I have a flawless payment record that will be tarnished by the practices of HSBC.
|
| 05/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Complaint against HSBC, NA Good morning, an Assign and Release Form between the POAs and HSBC, HSBC is to wire in the amount of {$8200.00} to mothers account which funds were fraudulently taken. When this agreement was drawn up we didnt return it right away due to taking care of mom, and finally getting her to sign the agreement which was no easy task. HSBC did not include a date for which this document was to be returned. As recently as XX/XX/2017, HSBC has requested the swift # to wire the funds again. Request from XXXX XXXX via e-mail to myself and communication with the other POA.
We are seeking funds be credited to mothers account as stated in the agreement. We have made financial decisions contingent on these funds being sent to mother to cover expenses she is incurring at her senior facility. Every time one of us contacts HSBC, they claim the swift # was not supplied. It has been supplied. My last communication to XXXX XXXX, she was to check that the swift number was correct. It does not take weeks, days or months to verify swift numbers.
Thank you for your time.
|
| 03/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
This complaint is regarding Household Finance Realty Corporation of New York aka " HFC ''. I have been sending countless communications to Household Finance Realty Corporation of New York to no avail. Each letter I sent to " HFC '' via certified return receipt and regular mail has been returned to me with address undeliverable despite this being the address listed and that I was given. I have submitted letters to " HFC '' for years now to various addresses including : Household Finance Realty Corporation of New York XXXX XXXX XXXX XXXX, FL XXXX Without the proper address, if any exists, I will not be able to resolve major issues with HFC. If HFC responds in any manner, I request under FOIL to receive a copy of each and every letter, document, attachment en toto, that they send to the CFPB. Thank you for your swift attention to this urgent matter. Please email me a copy of the complete unedited file that HFC supplies the CFPB by emailing me. I request the right to reply to the response of Household Finance Realty Corporation of New York.
Thank you.
XXXX, XXXX XXXX XXXX
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| 06/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
On XX/XX/XXXX, I submitted an online request to XXXX XXXX XXXX XXXX to transfer {$3000.00} to my XXXX XXXX credit card from my XXXX XXXX XXXX credit card as part of a HSBC balance transfer promotion.
I received a letter from HSBC dated XX/XX/XXXX that the transfer did not go through to XXXX XXXX, and that the {$3000.00} would not be charged to my account and any transaction fees ( {$120.00} ) would be refunded. I spoke with XXXX XXXX, and there is no record of any transfer from HSBC.
It has been 14 days since they put an erroneous {$3000.00} charge to my account, and nothing is being done to remove it. I have spent hours on the phone with HSBC customer service in an attempt to have the {$3000.00} removed, and they have not done so. I have been told repeatedly that I will be notified when the debit is removed, and no one returns my calls. In the meantime, interest is accruing on the {$3000.00} that HSBC says that I owe them, and the additional debt is impacting my credit worthiness.
Please notify HSBC that I have filed a complaint and want this issue resolved promptly.
|
| 09/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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My parents received a missed call and a left voice mail message today, XX/XX/XXXX from someone stating they were from " XXXX XXXX (? ) XXXX '' a mediation firm, asking to speak with " a gentleman by the name of ( my name ) '' then proceeded to list the last four of my social security number. They claimed a civil matter is pending and it's time sensitive and listed their number for direct contact. XXXX. I called the representative back and she claimed that XXXX XXXX is attempting to sue me for an account closed out in XXXX. I have not received any legitimate contact in regards to this account for years. The lady then told me they could settle for {$320.00} today and could make payments but I have to let her know by Friday, XX/XX/XXXX XXXX EDT or else it's getting pushed onto court. I asked for verification of the debt and she said they couldn't provide that information because all information is held by the XXXX XXXX for " litigation purposes. '' I searched the number and apparently this is a known number for attempting to fraudulently collect on old, already paid debts.
|
| 12/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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On XX/XX/XXXX two of my family members were contacted by XXXX XXXX to inform me that I should be home to sign for a package on XX/XX/XXXX The packeage was to arrive in between XXXX XXXX and XXXX. ( No package arrived ) I got the number that they left with my brother, so I called. I talked to a XXXX XXXX. He said that my outstanding debt from HSBC bank is going to be taken to court and I was being sued in a few days if I don't settle. This debt, which I do not recall ; is supposedly from XXXX. The total is {$2800.00} with late fees and other charges. The original debt supposedly was XXXX. They said I could file for hardship and pay less then what the original amount due. I did not pay or agree to pay anything. I told him I wanted to investigate this matter further. Mr. XXXX said I had to the end of Thursday XX/XX/XXXX to get back in touch with him or the suit will be filed. I feel this is a scam and had a similar call from a company in the beginning of XXXX for the same HSBC bank in wich I paid over {$700.00} to clear. I also feel this was a scam by a different scammer.
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a US citizen who moved the XXXX to attend university in XXXX and have lived full time in the XXXX from XXXX to XXXX.
It is XXXX now and am returning to the USA and have been offered a position in the finance sector. The employer has processed a background check for me including pulling my credit report of which i have had no need to check as I have not needed to use my credit.
It has been discovered that I have two fraudulent credit card accounts opened in my name from XXXX, 2 years after I had already begun to live in the XXXX. One of the cards had been used up until XXXX and the other up until XXXX before being charged off and transferred to a company called XXXX XXXX XXXX.
Acct XXXX Balance {$2200.00} Open date XX/XX/XXXX Charge off date XX/XX/XXXX XXXX XXXX Acct XXXX Balance {$3500.00} Open Date XX/XX/XXXX Charge off date XX/XX/XXXX I can attest that these are not my accounts and that I had no knowledge of opening them or using them to my benefit. These are fraudulent credit card accounts and would like them to be removed from my credit report immediately
|
| 01/06/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
on XX/XX/2017 my parents received a phone call from some man stating that he was a XXXX County ( GA ) detective and that he had court documents to serve me with. He gave my mother a phone number to call if I needed more time to work this out. Well, I called the number XXXX case # XXXX and was transferred to a XXXX XXXX from XXXX XXXX XXXX She turned out to be one of the rudest persons I have ever spoken to in my life I started asking her questions regarding this debt and that 's when she started to call me names, stupid ( she told me she was smarter then me ) and she also stated that I had selective memory on my debt that I owe which she had stated was about 8-9 years old, she threatened to go to my job etc ... .. The first call she hung up on me so I called her back and that 's when she really start the name calling so I must admit I lost my cool and told her to go ahead and send me the XXXX papers Anyway, I have a document, release of liability, from a law office that I have already paid this debt which is from HSBC ( XXXX ) but this women would not even listen to me
|
| 11/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
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I received a call from HSBC Bank XXXX on XX/XX/XXXX stating that they have papers to serve me for a credit card that was issued in my name. I asked for more information, and they said the card was issued to me in XXXX by XXXX XXXX and the account was closed in XXXX. The account was sold to XXXX in XXXX. Well now in XXXX, they are Sueing me for {$5000.00}. I responded that I definitely know that this was not me because I have never had a credit card with a limit over {$500.00} dollars. But apparently with late fees, the highest interest rate possible and other fees that they made up. They are now trying to sue me for {$5000.00} dollars. They are also saying that the statute of limitations holds no precedence against this case. I have never received anything in the US mail about this, so that I could have the opportunity to dispute this claim. But when they called, they knew all of my personal information including my home address. I feel like they are doing this because I know longer live in the state of California and that HSBC bank is an online bank located overseas.
|
| 06/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
|
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On Friday XX/XX/XXXX, I tried to use my HSBC Credit Card and it did not work. When I called to understand whats going on the Fraud Prevention Team hold me in the phone for XXXX hours! and finally a supervisor whose name was XXXX told me that since I do not have a checking account with HSBC, they decided to close my account. Then I opened a checking account and a savings account immediately and got an appointment from your local branch to open a brokerage account to bank with HSBC. My credit card was reinstated immediately and I was able to make a purchase. Then, yesterday on XX/XX/XXXX, someone else with a very limited XXXX called me and told me that he decided to close my account. He hang up the phone on me. Rudest agent evet. My account was already reinstated after opening all the required checking/savings accounts and talking to the initial supervisor. But yesterday, the other agent maybe was not aware of our progress and made a mistake. At this point, I did not do anything wrong and did all the required things bank asked me. Please reinstate my credit card. Thanks
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| 10/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
|
XX/XX/XXXX XXXX XXXX " robo-called '' my wife 's phone and my phone threatening to call my employer and take me to court. I called back and they said I owe XXXX for an HSBC credit card. Since this was not the first time I have been threatened by them I asked for more info with intentions to file harassment charges but they would only tell me the state they are in and name of the company. Eventually the lady on the phone didn't like my persistence and just said that they are forwarding my file to court.
XX/XX/XXXX XXXX XXXX " robo-called '' my wife 's phone and my phone threatening to call my employer and take me to court. I called back and tried a more deceiving tactic to get more info about this business who does have my accurate personal info. Eventually they threatened to sue me for harassment and blocked my number.
I called the FTC who said I should look at my credit report to see who is actually reporting the debt and it don't show on any of the reports.
I am looking at my paid receipt and the debt for the HSBC card I had was fully satisfied on XX/XX/XXXX.
|
| 08/12/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
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A few years ago I started getting phone calls and a monthly bill from XXXX XXXX XXXX XXXX, XXXX. I asked the person who called me, who was the creditor, and they could not verify my questions. The original creditor is HSBC BANK NEVADA , N.A . They are telling me they can sue me and turn me into the credit reporting agencies. I 'm confused because I am paying my student loans monthly to the department of education. I did send in a payment a couple years ago. It never got taken off my balance nor did I get a receipt for it. So I have not sent any more money to them. They have pre-approved me for a discount in this letter. Their are XXXX different company names on this letter. I sick of them sending me letters and calling my home phone number. I feel like they are not who they say they are and I feel like I 'm being harassed by them.I honestly think these are not the right creditors and they are trying to scam me out of more money. I do have some unidentified things on my credit report and that is how I came to your site and seen you guys were investigating this company
|
| 12/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I am banking with HSBC. I tried transferring money to myself ( my own account ) in another country on XX/XX/XXXX but the bank blocked it and reported it as fraud. I called them and they kept saying in order to protect the account the fraud system suspected fraud even though this transfer is to myself!
In addition, they block the money and did not make the money available back in the account until after XXXX hrs.
Again on XX/XX/XXXX i initiated a transfer to my cousin who needs support and the bank blocked it again for suspected fraud, when i called them they said that i need to call them every time before i do a transaction so it doesnt get blocked!
This is no longer fraud protection but rather infringement and oversight of the account blocking any and all transactions!
In addition, they keep the blocked money on hold with them for XXXX where i lose interest and lose time receiving the money.
All of this happens even though i have to securely login and generate an XXXX to initiate the transaction which obviously proves that this is a legitimate transaction.
|
| 07/02/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
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I missed a monthly mortgage payment earlier this year as a result of a temporary shortfall in income. At the time I made the decision not to pay the monthly payment, I had a solid plan in place to get the account back to current within two months based on the return of scheduled income. Once I fall behind XXXX days on the account, the bank got involved and started introducing a series of bank programs and processes that made it increasingly more difficult to get back to current. These programs were accompanied by additional fees and charges, as well as the fact they bank would not accept monthly checks but required XXXX check only for the sum of the total due. They issued multiple letters with inconsistent terms and conditions and proceeded to change their positions as to which letter was the letter of record. Net result was what was XXXX days past due approached 90 days past due ( totally due to bank policies and programs ) not my ability to pay. These policies and programs generated additional revenue for the bank, and caused unnecessary hardship and stress to me.
|
| 03/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I have one credit card account with HSBC bank. There is one transaction from one merchant names XXXX XXXX XXXX. They charged me XXXX USD for membership to my HSBC credit card account. I called the merchant to dispute and cancel the membership. The merchant said that they did cancel the membership. the following year i saw the merchant charged me XXXX usd again. I called the credit card to block the merchant because they continue to charge me. The credit card company HSBC did block the merchant and filed the dispute for me. I thought everything went through. I received the statement on the following month still has the same charge XXXX usd with late fee and interest charge. i called the hsbc to dispute one more time. they said they filed the second dispute since the first dispute never went through. They also said that they will refund the late fee and interest. I thought they will do. the next statement came and it has the higher amount with late fee and interest. i called hsbc on XX/XX/2020 and they transferred me too many departments. the problem is never solved.
|
| 08/31/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
HSBC XXXX XXXX CA branch - XXXX is my premiere banker. She set up bank accounts and credit card account. Credit card, upon being issued, was duped or used by another entity resulting in unknown charges. Also, the issue of the card was brought to XXXX 's attention immediately in XX/XX/2019 and she said she would take care of it ... call the cc division and have a new card issued.
New card issued but they transferred balance to new card even though the point was balance was not generated by consumer.
Also, this resulted in negative credit report ( late reporting ).
You can not access the account number to pay the bill regardless. There is no account number on the bill anywhere. When you call them, after providing security info, they want you to go to the branch every time to pay the bill.
They were asked to handle the problem on XX/XX/XXXX and the branch manager promised to be get involved. Than he left for holiday and never followed up on the issue 44 days later. So now hopefully CFPB can get my credit report cleared up and I can have a functioning credit card?
|
| 10/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I and the customer service both have tried to talk to the dispute team regarding the XXXX disputes back in XXXX that I never gotten. and the dispute finally gave me a letter that they want me to mail back to them by XX/XX/XXXX how is that even possible and i don't even have a fax machine, why do you guys expect so much out of me during this time of covid 19? please read my attached document i never gotten anything from XXXX i tried to contact them so many time and this is why i'm making this disputes there about 7 or 8 disputes since i never gotten any of the items and i was charged account ending in XXXX.
transactions late XXXX and XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$370.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$10.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$10.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$77.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$36.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX$10.00}
|
| 05/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
I was contacted by mail on XX/XX/XXXX by the law firm of XXXX and XXXX. In the letter it was stated that they had obtained a judgment against me on behalf of their client XXXX XXXX XXXX XXXX. They then stated that I had an outstanding judgement balance of {$10000.00}.
I have never received any paperwork notifying me of a lawsuit and in fact the original debt was by my records charged off in XX/XX/XXXX.
I had moved on XX/XX/XXXX and on XX/XX/XXXX so if they had served the paperwork to an old address it was n't to me.
Furthermore I just received a phone call from one of their representatives at work.
I think it will go a long way if the Bureau of Consumer Financial Protection contacts XXXX and XXXX and just ask some simple questions. Like " When did you supposedly sue this person? Do you have court document showing proof of service? Who signed the proof of delivery? Show us documentation proving you have the right to collect this debt? " Please help as I do n't know who else to contact and really need a help from your organization to help with this dispute.
|
| 09/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
- XXXX XXXX paid off HSBC credit card for {$3800.00}.
They said they would send " paid in full ' later.
- XXXX or XXXX XXXX recurring charge for XXXX XXXX XXXX XXXX came in and HSBC paid it.
They never notified me ( I was paperless billing and acct was closed ).
- XXXX XXXX they added {$15.00} late fee I was told.
- Interest and another late fee was added at some point.
- Around XXXX or XXXX XXXX got bill for {$62.00} ( XXXX + XXXX in interest and late charges ). After bounced repeatedly over the next few from csr to collections to csr and back, I got fed up.
- XXXX XXXX paid the {$62.00} to HSBC collections. XXXX said would refund the late and interest but I have NOTHING in Writing that says that.
- I did not check SXXXX XXXX XXXX payment issue but I will pay the XXXX from XXXX XXXX XXXX.
One reason I closed the HSBC account was that HSBC would post debits right away but wait days to post a payment ( and I believe rack up interest charges in the meantime ). They did it again here ( not close my account right away but took the debit charge immedtly ).
|
| 12/18/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This is a complaint that was never resolved by CFPB. The complaint number was # XXXX. Although HSBC\HFC deemed my account eligible for the XXXX pay, and reduced my monthly payment to {$890.00}, but by the same token, has changed the condition and agreement of the deed\mortgage. They have single handedly attached the property tax to be included with the mortgage monthly payments without a closing, or agreement or consent by me. How is that possible? I do n't see how this mortgage company was reprimanded or lawfully dealt with! They are in error, ON SO MANY levels. My tax payments did not need to be paid by any XXXX, as there were no lien on the property for arrear payments. Not then or now! Each year during my chapter, I may have been short, but not enough to place a lien. This was confirmed by the XXXX Department. I would appreciate your taking another look into this matter as WRONG doing is definitely apparent throughout this whole ordeal. my constitutional rights are being violated, while this body " CFPB '' does nothing. How is that?
Thank you XXXX XXXX XXXX
|
| 06/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
HFC, Member HSBC Group, XXXX. XXXX XXXX, XXXX, XXXX XXXX:1. Refinanced my original mortgage, {$140000.00} XX/XX/XXXX and consolidated XXXX mortgage for {$60000.00} into new principal balance of {$210000.00}. Reported the {$68000.00} XXXX mortgage as Charged Off and sold it to XXXX XXXX XXXX XXXX, Attn : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX has me in Collections and the inaccurate information is being reported as Negative and effecting my XXXX Score in a very negative manner.
2. My original mortgage did not have the provision to pay Real Estate Taxes but HFC paid {$10000.00} to a parcel in the City of XXXX and charged me with an additional {$10000.00} thus increasing my principal balance to {$220000.00}. I have been disputing this fact since XX/XX/XXXX and have not received resolution.
3. HFC did not report to any Credit Bureaus from XX/XX/XXXX to current and there are ( XXXX ) XXXX days past due on my Credit Report.
4. I refinanced with HFC in XX/XX/XXXX, paid on time, and HFC did not report new mortgage and reports as XXXX+ days past due.
|
| 03/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Hi, there, I opened a new HSBC premier checking account on XX/XX/XXXX in response to a bonus offer of {$750.00} welcome deposit. The offer stated that {$750.00} will be automatically deposited to my account eight weeks after a minimum balance of {$100000.00} has been maintained for 90 days ( as attached ). Early last month I asked about the welcome bonus by web chat, and an agent asked me to call. I called and another agent promised to investigate but I received no deposit or response for another week. I contacted HSBC by web chat on XX/XX/XXXX and the third agent said he/she would issue a request to investigate. Several days later I asked again the fourth agent promised yet again to investigate and gave a response within 48 hours ( the chat transcript attached ). I received nothing after 48 hours, and contacted them the fifth time. The fifth agent said he/she would issue another request to investigate.
So I don't have an answer about the welcome bonus 7 months after I opened account and five inquires. Hope that you can help me with this matter.
thanks XXXX
|
| 09/28/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
My sister was recently contacted by a so called " debt collector '' stating that she was over {$2000.00} in debt with HSBC. She asked the company to verify her account number and the account number they had on file did n't match any account numbers she currently has. My sister also checked her credit report and none of the account numbers listed on her credit report matched the number the company gave her. The debt collector that called her is now harassing her by nonstop calling her and leaving her multiple voicemail messages stating that it is in her best interest that she calls them back. They have also threatened to sue her and contact her employer to garnish her wages if she does n't pay them the money owed. Now since my sister is not answering their phone calls, they have now contacted myself, both of my parents, and my aunt to try and get a hold of her. The number that contacted me was XXXX. They left me a voicemail asking for my sister and stated that she needed to contact them immediately. The number they left for me to contact them was XXXX ext XXXX.
|
| 11/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the XXXX charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
|
| 12/15/2015 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
I cancel the credit card because I was unhappy with the customer service and the business practice. The credit card was cancelled XX/XX/XXXX but despite numerous attempts to close the credit card account ( each time I was told the error had been corrected, the account was closed with XXXX balance ). These attempts including reach out to Consumer Financial Protection agency ( Case # XXXX & XXXX ). So far, I have XXXX written confirmation letters from HSBC pertaining to the closing of credit card. But despite the confirmation letters, HSBC decides to harass me yet again about the account that I close XX/XX/XXXX and demand payments. There is very little an individual can do against a big financial institution like HSBC. I was diligent in making payments, contacting the bank to close the account and I have the letters from HSBC confining it is close. But none of this matter when HSBC can decide to send me a statement demanding payment and and resume the harrassments. Even letter from HSBC with the agency case number does not stop the bank to come after me again.
|
| 03/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
HSBC advertized the following : " Deposit a minimum qualifying balance of {$10000.00} or more in new money in cobined checking and savings acounts within 30 calendar days of account opening ; and Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. You will automatically receive the {$350.00} Welcome Deposit in your new HSBC Advance checking account approximately eight weeks after completing all qualifying activities ; It's that simple. '' I opened the account XX/XX/XXXX, and made the XXXX deposit on XX/XX/XXXX. The balance stayed at XXXX or more for longer than 90 days ( specifically through XX/XX/XXXX- ie, 98 days ). It has been 8 weeks since then, and I still have not received the bonus.
Additionally, when I spoke with XXXX ( a phone representative on Thursday ) she also said the bonus should have been in my account last week, and that should would look into it, and call me back on Friday. She did not call me back, and she still has not reached out to me or resolved the issue.
|
| 10/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
As I was not using my credit card, I asked my account manager at HSBC to close my account in XX/XX/XXXX, to which she replied by email " Okay, I will close the accounts ''.
In XXXX I was contacted by HSBC credit card department saying that there was pending charges on my card I should pay.
I contact my banker again to clarify the problem to which she replied by email on XX/XX/XXXX " I spoke to out fraud team and they are in the process of refunding the charges and closing the account. I will confirm with you next week once the account has been closed. '' Then on XX/XX/XXXX she sent another email " Confirming the account has been closed. '' I saw my credit score drop around XXXX and then again in XXXX when several major derogatory were reported from this credit card at XXXX.
I have been calling HSBC credit collection department since XXXX and share the thread and they told me they would cancel the charges and remove the reports on my credit score.
It has been now more than XXXX months, and I can not buy a house and take a loan because of this issue.
|
| 06/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I booked a flight with the HSBC rewards program. My card was supposed to be charged for the entire amount {$740.00} USD and a statement credit of {$650.00} USD to be issued for the Points I selected ( XXXX ).
HSBC never posted the credit nor removed the points as agreed.
I have contacted the client service team multiple time and even though they said they had a tech issue and that the Back Office would address this problem its over a month now I have no updates or status from their side.
Every time I called the service team said a supervisor needs to action but there was not one available at any point.
I have also raised the concern with my relationship manager, no solution provided.
As a consequence I am taking a loss of {$650.00} that was not part of my financial planning for the month and there is no response from the institution.
The ref of the claim is XXXX ( I managed to get a # after many many times asking ) - however I wouldn't trust the HSBC tracking method for open claims as the multiple times I called there seemed to be no proper register.
|
| 10/06/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Our mortgage was initially written with XXXX XXXX XXXX XXXX on XXXX/XXXX/00 with an interest rate of 12.82 %. The loan was sold to HSBC Mortgage Services shortly after and the interest rate is 12.25 %. I have tried to work with HSBC repeatedly over the years to get interest relief but they will not budge. I was recently advised that when the mortgage was sold to them, we signed a form stating that we agreed to pay interest at a rate of 12.25 % or higher, but never lower so they are holding us to this ; HSBC recently sent me a copy of this. I do n't remember signing this form but, being a first time homeowner, if we were given forms to sign, we did.
We are current on our mortgage and have been for well over a year ; we had problems in the past. We have tried to refinance several times with other companies but, due to past credit problems, we have been unsuccessful. We are working diligently on improving our credit so that refinancing might be able to take place at the beginning of 2016.
Is there any way you can intercede to get HSBC to lower the interest?
|
| 07/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I opened an account on line, a HSBC Premier Checking and Savings Account. I received the welcome letter, I received all the forms and documents in them mail, I've created and registered online security, etc. I have done EVERYTHING asked to prove who I am, etc. I was provided account and routing numbers. I have set up direct deposit. I even completed a mobile deposit via the banks app, now all of a sudden the bank has locked my account and will not allow me to access my funds. The bank is holding my {$5500.00} and will not let me access the funds via ATM or branch nor will they allow me to close my account to get my funds to go to another bank. This has been the MOST ridiculous side show experience opening up an account. HSBC representatives do not give two cares about you as a consumer. They are not being transparent. I keep getting the run around and barely understand their representatives. If you are not able to make mobile deposits or bank deposits what's the poinXXXX of having a checking account if you can't put money into it other than direct deposit
|
| 08/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I opened a checking account with HSBC based on the promotion offer I received. hsbc.com/XXXX The promotion is {$370.00} bonus if 1. ) I open the account by XX/XX/2019, 2. ) Keep {$10000.00} for 30 calendar days, and 3. ) maintain the balance for 90 calendar days.
I even received a confirmation from HSBC online rep that I should receive the bonus. Attached in this complaint.
I deposited {$10000.00} on XX/XX/XXXX, and maintained it for beyond 90 days. I did not receive my bonus. Since I fulfilled all requirements, i called HSBC and asked about why I have not received my bonus, they told me ( according to their " investigation team '' ) that because I had an account with them for the past three years, therefore, I am not eligible for the bonus. I did not have an account with HSBC for the past three years. I asked the representative on the phone to provide me documentation to prove I had an account with HSBC, they gave me the run around and said I need to request it online.
I am filing this complaint because HSBC is deceptive in this marketing practice.
|
| 07/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
HBSC had reported an unpaid balance under XXXX dollars to the credit bureaus harming my credit.
I had CLOSED the account two times previously.
ACCOUNT-RELATED QUESTIONS Please do not reply to this email as the message was sent from an address that is not monitored. If you wish to submit an account-related question electronically, please contact us online through Chat or call our Customer Relationship Center at XXXX ( HSBC ) or call from anywhere in the world at XXXX XXXX.
The source of this email alert notice is HSBC Bank USA, N.A.
HSBC is located at XXXX XXXX XXXX, XXXX, NY XXXX.
Our postal address : HSBC Bank USA, N.A.
XXXX XXXX XXXX XXXX, NY XXXX We maintain strict security standards and procedures to prevent unauthorized access to information about you. HSBC will never contact you by email or otherwise to ask you to validate personal information such as your Username, Password, or account numbers. If you receive such a request, please call our Customer Relationship Center at XXXX ( HSBC ) or call from anywhere in the world at XXXX XXXX.
|
| 10/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I opened an HSBC master card account and did a balance transfer online from another credit card to this card. As soon as the balance transfer was complete HSBC charged me a 4 % balance transfer fee that amounted to {$190.00} I had no idea I was goin to be charged.
When I complained they said that the fee is disclosed! I can assure you if I knew there was 4 % fee I would never have done this transaction and I told them if the fee is disclosed it is definitely not in plain site it is definitely hidden and not in plain site at all!
They said they would credit the fee back as one time courtesy that was on XX/XX/2019 it is now XX/XX/XXXX and the fee is still not credited back. I have called 5 times since and they keep telling me ... tomorrow then Tuesday then Friday then on Friday they say by the end of the business day and they will call me back or a supervisor will call me back and that never happens. I think HSBC is a very dishonest company and how they are handling this is absolutely outrageous! I want my fee back and then I am closing this account.
|
| 08/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
HSBC Bank provided misleading bonus advertisement. It sent me an email on XX/XX/2020 saying that I would receive {$15.00} per month for 6 months if I made 10 debit transactions. From XXXX to XXXX I made at least 10 debit PURCHASE transactions each month, but HSBC refused to pay out the {$15.00} per month bonus, claiming that these didn't qualify. All of the transactions I am referencing coded as Purchase on my statements. They did not code as cash advance, ATM withdrawal, or balance transfer as HSBC claimed. They can see the statements themselves.
email from HSBC To qualify for the Card Transaction Offer ( " Card Offer '' ), up to {$90.00} ( {$15.00} max
per month ), you must have an Eligible HSBC Mastercard Card ( " Eligible Card ( s ) '' ) issued to you by HSBC Bank USA N.A. and complete at least 10 eligible new purchases per calendar month using your Eligible Card ( s ) during the Promotional Period. Eligible Card ( s ) includes HSBC Debit Mastercard card ( s ) linked to your HSB XXXX checking account and/or HSBC Mastercard credit card ( s ).
|
| 12/11/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I am unable to access all my accounts ; savings and credit card. They locked my accounts without informing what the issue was. I called the customer service a few times and directed me to the security team department, but to my surprise, the Dept is only open M-F XXXX to XXXX.I spent HOURS to call the security team department, while at work, with NO luck. Finally, I had to give up and so I called the customer service number again and requested to talk to the Manager but AGAIN, they told me that I had to talk to Security dept since that the dept the only one with access to unlock my account, not even their manager. They also said that the sec dept had very high call volumes and the wait is long and to try calling them early morning. So, the next day, which is today, I called them exactly at XXXX ET and waited for 1 hour without no one still answering the phone. Its been over a week and I still dont have the access to my account! Me too, as other people stated with the same exact issue, concerned about the possibility of fraud and my credit rating.
|
| 12/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX is selling property she owns in XXXX, Virginia.
A judgment entered on XX/XX/XXXX in the sum of {$1500.00} against XXXX XXXX, in favor of XXXX XXXX XXXX, I XXXX, XXXX HSBC XXXX XXXX XXXX XXXX showed up on a title search.
We have both been trying for about XXXX weeks to secure a pay off letter to pay off this judgment but have never received a pay off letter. XXXX XXXX and I have spoken to representatives at HSBC over XXXX times and sometimes they say they will fax the pay off letter and sometimes they tell her it is in a research department. We have also tried to secure a pay off letter from XXXX XXXX XXXX as well.
It has been well over a month and we have not been able to secure a pay off letter to pay off this judgment. We are seeking a pay off letter good thru XX/XX/XXXX.
I am sending you a copy of the judgment and client authorization. The judgment, authorization and request for pay off has been faxed to HSBC as well numerous calls have been made, all in an effort to secure a pay off letter.
thank you, XXXX XXXX XXXX XXXX XXXX
|
| 06/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
In XXXX I purchased a XXXX XXXX XXXX, VIN # XXXX and borrowed money from HSBC Bank XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. I paid the loan in full in XXXX and neither the State of Maine Department of Motor Vehicles nor I have received a Release of Lien.
I was able to talk with a representative of the Bank one time and was told they show no record that I owe that institution any money. I asked that a contact, either an email or a letter, be sent to the Department of Motor Vehicles. I was told that it was impossible because they have no record of the original loan since it has been so long ago.
I have tried to contact HSBC Bank several times since then and have had no success. The motorcycle has been in storage for several years since I am unable to clear the title. I have a potential buyer for the bike and the new owner wants a clear title so he can register it and be able to ride it.
Please inform me what I can do to clear up this issue. Thank you for your help.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX
|
| 02/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
Beginning of XX/XX/2019 I applied for HSBC Platinum Mastercard with Rewards credit card which is advertised on their web-page with a 0 % Introductory APR on credit card purchases and balance transfers for the first 12 months from Account opening ( " Introductory Period '' ). With an excellent credit score of XXXX and a household income of $ XXXX I didn't see any issues with getting this card. Only, about a month later when I got the card in mail, it was NOT the HSBC Platinum Mastercard with Rewards but the HSBC Cash Rewards Mastercard with a 19.24 % APR with a {$2000.00} limit (!!!! ). This is a XXXX INSULT! My smallest credit card limit is {$10000.00}! I was beyond furious. I called HSBC two times, each time been on hold for 30+ minutes trying to figure out what happened. No resolve. Not only did I get an inquiry on my credit score ( which I'm incredibly protective of, hence the excellent score ) but now I've got a card with a HUGE APR and a TINY limit. Who the XXXX do they think they are?! Stay away from these fraudulence people! What a joke!
|
| 10/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been receiving calls since XXXX from various fraudulent debt XXXX attempting to collect on a line of credit I never opened with HSBC. They tell me I opened it in XXXX and the debt owed changes with every phone call. XXXX time it will be {$3000.00} and with the next call, it will change to {$1600.00}. I've never had a credit card with HSBC. The calls stopped in XXXX of XXXX, but they have started up again. This time the credit collector calls itself XXXX XXXX. They called me on Friday, XX/XX/XXXX. When I began to ask questions to the person, the tables were immediately turned to make THEM look like the victim. When I told them to stop harassing me, they told ME I was harassing them for asking questions! I know what I was doing in life during XXXX more so than these strangers and I know I never opened a line of credit with HSBC during that year. I just want the calls to stop. I am currently suffering from both XXXX XXXX and XXXX XXXX. These calls cause great stress and affect my quality of life. I do not need the stress they put me through.
|
| 08/02/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
My mother died in XXXX of XXXX. She had been living in XXXX XXXX. We proceeded to close all her banking account and transferred the funds out here to XXXX. Among those accounts were several accounts in a branch of HSBC in XXXX XXXX XXXX. In XXXX of this year, my wife and i discovered a check dated XX/XX/XXXXissued in the name of my mother and myself from HSBC that had never been cashed. The check was for {$41000.00} and the check number was # XXXX. I contacted HSBC about what was the status of the funds represented by the check I was informed that HSBC did not not keep records beyond seven years. and all records were transferred to XXXX XXXX XXXX after seven years had lapsed. XXXX XXXX found only that the check had been stopped and referred me to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in turn referred me to your office. It seems to me that the bank would keep records for a longer time than seven years. I work with court records all the time and records immediately available on the computer systems go back beyond the year XXXX.
|
| 04/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
2 HSBC bank collection accounts appear in my credit bureau. They state that in XX/XX/2019 these accounts under my name have a balance receivable. I never had a balance in these accounts. These charges were made fraudulently by someone who stole my identity. On this date I was traveling outside the United States for a family emergency. XXXX attached my identity theft report to them and they ignored it. They sold this account to another collection company and at the same time they maintain the same balance in my credit bureau.
It is unacceptable that if this account has already been sold to a collection agency, the HSBC Bank account continues in my credit bureau. The account that should be there is that of the collection company to which XXXX sold the debt for me so that I can also claim the closure of this account from them.I will re-attach my identity theft report.
Company to which they sold my debt. But you are the ones who update this in my credit bureau, not the company in question Company sold XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
|
| 03/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX I opened a premier checking account at HSBC. One of the terms of this offer was that if I receive direct deposits of XXXX dollars a month for three straight months, I receive a XXXX dollar bonus. I did, in fact, receive such direct deposits on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out several times via chat to HSBC employees and they said I would be receiving the bonus shortly. This never happened. Finally a query was opened by the company. The query is XXXX. The results of the query were that I was not entitled to the bonus because " As I see the monthly deposit from your employer was credited as Cash Concentration not Direct Deposit.
The eligibility of the offer should be a Direct Deposit from your employer.
We don't accepts Cash Concentration deposit as Direct Deposit, that's the reason you are not eligible for the offer. '' This is made up jargon that does not pertain to me and was not delineated in the initial offer.
I am hopeful that you can help clear this up for me. Thank you.
|
| 04/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
To whom it may concern Beneficial has sold our loan to XXXX XXXX around 2 years ago. Before finishing up with taking off the deferred interest home loan & side loan. We would get repeated phone calls from Beneficial that we were missing a payment. When we would go to the branch office with proof of payment, They would have no idea why we were contacted because the computer would show us current. We also have many statements that show full payment being made, but minus part of the payment and it showing up in deferred interest. But showing paid in full and never showing or saying that we were delinquent. Just before selling the loan Beneficial told us the deferred interest that we asked about was for 35 missing payments on both loans. When we tried getting information about the missing payments they would just hang up on us. When they finally did talk to us, It was just to tell us the loan was sold and they could not talk to us. We are wanting to refinance. But refuse to pay money we dont owe. {$49000.00} off home loan & {$7700.00} off side loan
|
| 08/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I paid off my loan with HSBC in XX/XX/XXXX. I 'm in the process of refinancing and they still have not released the proper book and page number. I notified them of the same in writing on XXXX and again on XXXX. They said they never received the first letter, but after speaking with them on XXXX, they said the release was recorded on XXXX. Not sure how they somehow just decided to record a release on the mortgage when they said they had never received my correspondence on XXXX and it was the same release they originally recorded with the incorrect book and page number. Have talked to them over several occasions and they still have not released the proper book and page number per my attorney. They were sent a copy of the paid mortgage listing the correct book and page number. This has caused me damges, time and money. What recourse do we have to obtain that release before interest rate rise again. My banker recommended that we file the compliant with the CFPB. There should be LARGE penalities for companies that cause these problems and headaches.
|
| 06/30/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX has garnished my check from a debt in XXXX which I was given a 1099C in which I had to file on my taxes which I sent a copy to them 3 times with the last paperwork being sent certified in XXXX. I reported this issue to them on XX/XX/XXXX they sent me a letter stating that they were going to reopen the judgement and amend to correct my name. My question then if is closed how are adding different employment for me on the judgement which had a place of employment I had never worked. They are sending my information to third parties which they did during COVID-! 9. My information was sent to New Jersey and I get a letter from the state that my PP loan was denied they informed I would have to get a IP PIN to file taxes for the rest of my life. Now on XX/XX/XXXX I get a letter with same case number for HSBC Bank which was on the original judgement now they change the name of the company to XXXX XXXX XXXX XXXX with the same case number XXXX. I'm a over XXXX and work a seasonal job to help with expenses. They have violated so FDCPA laws.
|
| 03/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
I opened a XXXX Checking Account with HSBC Bank they have several safety screens to log on. At the time I opened the account it was not apparent that their physical branches do not support their online customers. After trying several times to get in touch with the bank online I did not know I had the wrong number to reach them. It was only after going again to HSBC that someone wrote a number by hand and said this is the only way you will get through. I was finally able to get through after a long wait. During this time the bank was deducting a $ 50 monthly fee the deducted {$500.00} I asked them to review as I had no access to the account and they acknowledged that reversed only {$250.00}. I placed a complaint on their site it says they will take 10 days to review XXXX has been reviewing for over a month XXXX was filed. I at that time requested my account closed and my money returned they were supposed to send me a check instead they kept my funds now charged another {$50.00} fee for XXXX this is closing in on XXXX and I fear another charge.
|
| 09/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received a voicemail from private investigator XXXX XXXX-he left message on my phone, my daughters phone, my moms phone and my husbands phone. I called back XXXX spoke to mr.XXXX he said XXXX is a PI doesnt work in office. XXXX said the they are collecting a debt from hsbc bank he stated a paper was mailed to me 45 days ago & I never responded. I told him I Never received anything. He stated I am being sued and need to pay {$2900.00}. I told him I dont recognize this- he said they would settle for {$1400.00} today. I told him I have no money no job due to COVID he put me on hold to ask his boss lower amount to settle.said $ XXXXtosettle today but balance on card is only {$500.00}. Stated they are suing me and my court fee Id have to pay is $ XXXX $ XXXX+other fees! I researched go ligation group and see previous people reporting they as scammers. I Told mr. XXXX I need to receive paper not just by email. He said no because he already sent a paper 45 days ago, I told him Again I Never Received it! Forcing me to pay today only!! Help me please
|
| 08/31/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a new checking account with hsbc bank on XX/XX/XXXX using a promotion link that offered me a XXXX welcome bonus if I met the criteria in the offer. I met all the criteria but was never paid. Contacted them via message in their app on XXXX, received a response just restating the promotion details.
XX/XX/XXXX received another message after inquiring again stating they were sending it to promotions team for review.
XX/XX/XXXX received another email from promotion stating I didnt apply thru the right link.
XX/XX/XXXX they restated the same message but asked me to provide more details.
I couldn't upload documents using this system so I called on XX/XX/XXXX and spoke to XXXX employee # XXXX. He escalated the case and promised me a call back by within 5 days. No call back so I called back spoke to XXXX on XX/XX/XXXX. She promised me a call back on XX/XX/XXXX and never did. I called again on XX/XX/XXXX, spoke to XXXX # XXXX, she said XXXX would call me back within 5 min he never did. I can't continue calling and getting nowhere with this.
|
| 05/13/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Confusing or missing disclosures
|
|
Web |
|
|
I was an account holder with HSBC bank. In XXXX this year, on advice of my customer relationship manager with the bank, I opened a Global Money account that allowed me to transfer USD into XXXX.
I expressly stated that I will need to wire the XXXX amount to my father at a later date, and she confirmed that will be possible. In XXXX, I have tried to do so, only to be told money can be transferred only to an HSBC account in another country. Otherwise I need to reconvert the money into USD, transfer it back to the normal HSBC account and then transfer into XXXX.
Therefore, XXXX wanted to charge me triple conversion rate for a simple procedure.
I refused, stating that I have the promise in writing, and the bank manager escalated my claim - unfortunately HSBC decided that there is no fault of theirs.
Thee fees incurred were substantial, based on the extra conversion fee XXXX XXXX accounts charge : a difference of {$4600.00}, or 2.8 % of the principal - During that time, EUR lost 0.8 %. Therefore, I lost 2 % on the bank fees ( {$3300.00} ).
|
| 01/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Please do not close this complaint as it regards to a different account ( owned by different names ).
__________________________________________________________________ I opened the HSBC business checking account in the downtown XXXX office XXXX XXXX XXXX, New York, NY XXXX on XX/XX/2019. The banker who helped me opened the account is XXXX XXXX. The account was not immediately approved and I had to go to the branch to make a deposit after it was approved. XXXX was not in the branch on that day and another banker who helped me made the deposit did not process my online banking request correctly and when XXXX came back from vacation, she had to request it again. This had resulted a delay from me getting access to the online banking account.
I opened this account because of the promotion that was given at that time which would give {$300.00} after some requirements were met.I have been contacting XXXX regarding the promotion for more than a month. She had escalate the case to the right department and as of today, I still have not got it yet.
|
| 12/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX, I started receiving phone calls from a XXXX XXXX " XXXX XXXX '' is what they called their selves, claiming that they are going to sue me for an HSBC account that I have no knowledge of. They have called my wife and left messages stating that I am currently being investigated and need to call XXXX and reference # XXXX. I attempted to reach the XXXX who are now claiming to be from XXXX XXXX and they were very unprofessional. They started to call my brother and sisters cell phones telling them that I am being investigated and will be sued if I don't comply. I called them again on XX/XX/18 and was told that I could not request them to cease and desist called to my cell phone or to my relatives. I asked for a manager and the account representative advised that there was no one available. She refused to provide me any details about this account that they are claiming I owe. I advised them that I would file a claim against their business for harassment and defamation of character and again, they refused to stop the harassing calls.
|
| 01/04/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XX/XX/XXXX, I initiated a wire for the amount of {$5000.00} US Dollars from my bank, XXXX XXXX to my husband 's bank in XXXX, HSBC. The funds did not make it to his bank. After 2 weeks of waiting I decided to cancel the wire and the XXXX XXXX wire department requested a return of funds. On XX/XX/XXXX XXXX XXXX informed me that HSBC involved OFAC and that I needed to answer a series of personal questions for HSBC to release the funds back. On that same day XXXX XXXX sent the requested information to HSBC. Again, XXXX XXXX asked for the funds to be returned. Everyday after the XX/XX/XXXX XXXX has sent requests to HSBC to return funds and has had no response. On XX/XX/XXXX, XXXX XXXX informed me that OFAC had closed the investigation but still hadn't heard any responses to the requests sent by XXXX XXXX to HSBC regarding the return of funds. Today it is XX/XX/XXXX and XXXX XXXX 's wire department has yet to hear any responses. I need my money back now! Wire Confirmation number that XXXX XXXX sent the wire successfully to HSBC is # XXXX
|
| 04/22/2021 |
Yes |
|
|
|
Web |
Servicemember |
|
I took out a second mortgage with XXXX XXXX in XXXX and consistently paid. In XXXX it was transferred to HSBC. In XXXX it was again transferred to XXXX but I did not receive any paperwork as I was XXXX overseas to XXXX. HSBC told me they have a record of return to sender. XXXX then became XXXX and XXXX sold to XXXX XXXX XXXX. HSBC told me to contact XXXX XXXX which I did. XXXX XXXX claims they have no record of this loan. I am trying to sell the house but the title report is still showing an old XXXX lien from HSBC who refuses to release because they said it was sold. No company is claiming ownership of the loan and my VA certificate is tied up as HSBC will not release even though they are the last assignment. I am desperately seeking help as a veteran who has been penalized for being XXXX overseas unable to handle this matter. I as for assistance trying to get HSBC to remove this old lien they do not claim ownership of. In my internet research I understand they have done this to many people and it is an unfair predatory business practice.
|
| 11/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have a HSBC credit card ( card number : XXXX ) since XX/XX/XXXX and have been using a checking account on the HSBC credit card profile to pay min balance with no problem every month since XX/XX/XXXX. I decided to pay off my credit card before XX/XX/XXXX so I could avoid interest charged on my credit card so I decided to use the exact checking account on file.
However, it is showing " processing '' for several business days before it shows it is " RETURNED CHECK '' and I was also charged {$25.00} return fee per transaction. In addition, I need to pay interest on the balance because HSBC decided that the payment is " RETURNED '' even though I have used the exact checking account to pay my credit card for almost 2 years.
I am very upset about what they did and contacted HSBC several times through online chat and over the phone. Online chat told me the payment is being processed no don't worry about it and over the phone, representative told me that they can't waive the interest on the balance.
I had no choice but submit the complaint.
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| 09/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX we finance our home with XXXX under a conventional loan 80/20. In XXXX they should the second mortgage to HSBC. In XXXX, we became behind on our mortgage and needed to modified or foreclosure would begin on the home. In the process of modifying the home, we told that both loans would be included so we pay on the modification until it was finish and now only one loan remains so we thought. Our home loan has be sold so many times by XXXX XXXX XXXX until it not funny. Now we are in XXXX, and now we are wanting to sell our house but can not because a lien is on the property held by HSBC. Wow, the second mortgage shows up finally as I did my work the loan is inactive and has been charged off as of XX/XX/XXXX. There is no record of it appearing on our credit at all but the title company will not close on the home until lien has been release. I have mail paper to HSBC address XXXX XXXX XXXX in XXXX XXXX ILL. No one as of yet has notified me of receiving the information. I am frustrated with the whole matter. Could you please assist.
|
| 08/26/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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I made a transfer from my XXXX XXXX XXXX checking account to my HSBC savings account using online banking ( bill pay ) as I have done for years. The {$3000.00} was deposited in my HSBC account and then they took it out charged a fee and sent a check to me marked " refer to maker '' on it. I took that to a XXXX XXXX XXXX branch and they deposited it into my XXXX account. Then a few days later it was taken out of my XXXX account again with a " refer to maker '' error. I again went to XXXX to get information and they put in a request for research. I then had a rep from XXXX contact me and state that they are doing a treasury trace but that HSBC presented the check to the treasury 4 times and that they still had the {$3000.00}. XXXX has been attempting to contact HSBC to get them to research it to no avail as they state the money is with XXXX XXXX XXXX. This has been going on since XX/XX/XXXX and I feel that I have been defrauded out of XXXX since each bank is blaming the other and no one can seem to get my {$3000.00} back into either account.
|
| 07/29/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
Older American |
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I reviewed a copy of my credit report today and noticed that my credit score tumbled. I took a closer look to determine why and notice that a company -- XXXX XXXX XXXX XXXX reported that I had an account with them that is seriously delinquent in the amount of {$180.00}. I have never hear of the company. I have not received any phone calls or notice from this company regarding this debt, nor have I received the opportunity from this company to verify this debt before it was placed on my credit report. I called the company and spoke with a XXXX XXXX. XXXX XXXX provided me with the account number for the debt which is XXXX. He stated the debt was sold to XXXX XXXX so he is not sure why his company is updating the debt with XXXX. I told him that XXXX XXXX is reporting the debt to XXXX and that I was planning to report his company 's behavior to CFPB he said to go ahead. I called XXXX to file a dispute and XXXX agreed that it is strange that XXXX XXXX XXXX would sell the debt then turn around an report it on XXXX XXXX, 2015 on my credit report.
|
| 11/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
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|
Web |
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HSBC XXXX XXXX XXXX XXXX XXXX XXXX ext. XXXX/ HSBC XXXX XXXX stated that a check for the amount of {$3000.00} was sent out XXXX XXXX. I XXXX XXXX informed HSBC XXXX XXXX that I did not receive the check. HSBC XXXX stated that she would reissue the check. I XXXX XXXX called XX/XX/XXXX and spoke to XXXX and asked her whether or not HSBC reissued the check. HSBC XXXX XXXX stated that she was out and she would contact me XXXX XX/XX/XXXX. I called HSBC XXXX XXXX and she stated that she was in a meeting and she would return my call later on today. I did not get a phone call from HSBC XXXX XXXX concerning the check for the amount of {$3000.00}. I'm waiting for a representative to call concerning the issue. I XXXX XXXX called and have requested a payment history for XX/XX/XXXX - XX/XX/XXXX. I XXXX XXXX have requested statements for year XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. A HSBC Rep created a workorder and the information should be sent to Fax Number XXXX. The HSBC Rep stated that the information should be available within two days
|
| 11/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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Web |
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On XX/XX/XXXX, I reached out to HSBC US due to concerns about widespread account closures. I was assured by your representative, that my accounts ( a XXXX checking and a XXXX savings account, ending in XXXX ) were in good standing and there were no indications of them being subject to closure.
Despite this assurance, I was shocked to discover that my accounts have been closed without any prior notice or explanation. This abrupt action by HSBC US has severely impacted me, as I recently attempted to transfer {$2000.00} to my Interactive Brokers account, only to find out that the transaction failed due to the closure of my HSBC account ending in XXXX.
I am extremely concerned about the whereabouts and safety of my {$2000.00}, and I demand an immediate and detailed explanation for the following : 1. Why were my accounts closed without any prior notification, especially after receiving assurance of their good standing?
2. What is the current status of my failed transaction of {$2000.00}, and how will HSBC USA ensure its safe return to me?
|
| 07/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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HSBC, I am enclosing a response from XXXX XXXX XXXX XXXX stating an Account # XXXX from HSBC that is allegedly owned by me. Please verify this account as belonging to me along with date opened, date closed/charged off, date of 1st delinquency and amount. I have no records of this account that they claim has a date of delinquency or charge off of XX/XX/XXXX. I maintain that I have not had an HSBC card since XXXX and this account does not belong to me. Please read the response below from XXXX XXXX XXXX XXXX and verify the accuracy. Thank you : To Whom It May Concern : MrXXXX XXXX is referring to a different account number. XXXX XXXX XXXX, XXXX account number for HSBC is XXXX the open account is XX/XX/XXXX, and charge off account is XX/XX/XXXX. MrXXXX XXXX tried to remove himself from XXXX two times. Thank you In response to XXXX XXXX XXXX, I do not know what XXXX is and all I am trying to do is fix inaccurate information that may have been sold to you. HSBC is the original creditor and I will await their response to this matter.
Thank you!
|
| 10/19/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
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Please refer to Case number : XXXX. On XXXX XXXX 2016 I submitted the application to open the account and also deposited {$1500.00}. It took too much time to get this account open and getting the online access. Now I am seeing that almost after more than 5-6 weeks - they ( hsbc ) are reflecting as if they received the money just on XXXX/XXXX/2016. So where this money was for more than 5 weeks? Why HSBC should not pay interest to me as it 's all the delays from their side? either they should give interest rates from the day they got it or be efficient in terms of opening the account. Another problem is that all their process is very cumbersome and complex - not even folks like me whoa are just XXXX yrs old and in XXXX can follow it - others wo n't be able to do anything also ... .moreover customer service of HSBC is terrible ... yesterday i called ... it seems the call went to XXXX with so much back ground noise ... i said please keep the phone on mute ... i was told please bear with us ... we ca n't help ... that 's the overall standards.
|
| 03/25/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
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Web |
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On XX/XX/XXXX of last year, I initiated a balance transfer of {$350.00} from my overdraft account with HSBC to a new XXXX credit card that I had opened. I received a notification from XXXX that it had been executed successfully and they added {$350.00} to my balance with them, but I never saw these funds appear in my HSBC account. I called HSBC to research it and they said they had no record of having received the funds. I called XXXX and asked them to look into it and a couple of months later I received a letter telling me that by their records, the money had been transferred to HSBC and so they were unable to credit me for that {$350.00} and that I should go back to HSBC. I 've been remiss in doing so, mainly because I tried once and I have no idea how to proceed, so I am now in a place where I have to still pay HSBC the balance of my overdraft, while also paying XXXX the {$350.00} I asked them to transfer. So I 've doubled that debt through no fault of my own. Please help me look into this and see how this can be resolved. Thank you.
|
| 06/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
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I was left a voicemail by this company stating there is a " pending civil judgment lawsuit '' being filed against me. This voicemail was left for me on XXXX XXXX, XXXX. I called this company to see what it was about. The representative there claimed I owed on a debt to HSBC. He said the last payment was made in XX/XX/XXXX. He said if I did n't pay, I would be sued in XXXX County Court. He said the balance owed was {$2500.00}. He offered a settlement for half of the balance.
I believe this company is a scam. To my knowledge, it is illegal to threaten a lawsuit if they have no intention of carrying it out. It is also illegal for them to threaten lawsuits on a voicemail. In addition to this, the Statute of Limitations is 6 years. If they are saying my last payment was made was in XX/XX/XXXX, the debt is at least 7 years old and is time-barred. I never received anything in the mail from this company prior to these phone calls, and I am unsure if this is even a valid debt, or if this company is authorized to do these collection activities.
|
| 09/15/2016 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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|
Web |
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I have a complaint opened, XXXX. I can not update this one so I am submitting another.
I just got my statement from HSBC. My payment, with ESCROW is XXXX. I submitted a payment of {$1000.00}. They posted a double payment with interest and ESCROW, then extra principle. All extra monies should be applied to PRINCIPLE. HSBC keeps doing this and it is like fighting a brick wall. They produced multiple statements with different balances for the month of XXXX. They are making this very difficult. I do not know if they just do n't know what their doing or they are doing it on purpose to wear me down.
I am sick and tired of this and would like cfpa to take a harsher stand for me. It has been going on since XXXX of 2016 since the complaint and the ESCROW misdirect has been going on for years that I have been fighting with them.
I have attached statements, getting 2-3 a month over last 2 months. Different numbers that do not make sense. The most current is a blatant incorrect posting of my extra payment. Also, instead of show 2 entries
|
| 02/20/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Confusing or missing disclosures
|
|
Web |
Servicemember |
|
The Credit Card Company is HSBC.
1 ) They promised me checks so that I could transfer $ $ from my XXXX XXXX HELOC to HSBC after my account was approved. Check were supposed to arrive XX/XX/XXXX -- never arrived.
2 ) So I began the Transfer with XXXX XXXX ... .money finally got over in early XX/XX/XXXX. All good so far.
3 ) On XX/XX/XXXX, HSBC charged me {$230.00} for what they call a " Transaction Fee '' for the Transfer ( 4 % ) My dispute is nobody ever told me I would be charged a fee ... .its buried in their disclosure. My purpose of moving the money was to avoid interest at XXXX as HSBC is interest free for 18 months. Well this {$230.00} ( a hidden fee to rip off people like me ). I want the {$230.00} fee waived as its a shameless move to rip off users.They need to be more upfront. I would not have moved the $ $ had I known it would cost $ $ . Plus, if I had the checks they promised, I could have just written a check ( I stilll have not received the checks they promised me.
NOTE : Their Customer Service is terrible as well
|
| 02/25/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Servicemember |
|
XXXX XXXX continues to threaten me with legal action if I do not pay a debt that was written off by Orchard Bank and XXXX well over 10 years ago. They continue to insist on their right to report it as an unpaid debt on my credit report.
They call me at work, and are verbally aggressive and discourteously harassing me, even when I tell them I can not talk at work.
They refuse to send me documentation that proves the origination of the debt as well as their explanation for why they are allowed to collect on this debt that is well past the statute of limitations I do n't know what to do or how to stop them from call me. I have blocked their numbers on my phone, only to be called from yet another number. It 's quite distressing.
The debts written off were from the economic recession when my husband and I had a XXXX business that failed. We lost everything including our home. Now, he has terminal XXXX and we are living off social security. I do n't want these people calling me for an old debt but they wo n't stop. What should I do?
|
| 04/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Due to a financial hardship in XXXX I was forced to file a Chapter XXXX to keep my home. Over the last four year with the exception of one month my payments were made in a timely manner. On Monday, XXXX XXXX, XXXX I received " Notice of Motion for Relief of Stay from the United States Bankruptcy Court. The reason for the motion was that I had not made mortgage payments for XXXX XXXX through XXXX XXXX. I have cancelled checks for all months in question except for XXXX. I did mail a payment for XXXX but was told by someone from XXXX that they were instructed to " hold the check ''. I feel that I am being treated like a criminal for filing bankruptcy. At no time did my mortgage company try to assist me during my hardship. Which they were completely aware of. It is very disheartening to learn your money is being taken, not applied to your account and you are at risk of losing your home. I did not think this was legal practice in the United States. My American dream of home ownership has been a nightmare. Would someone please help me.
|
| 10/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XX/XX/2020 my XXXX and XXXX XXXX ( {$780.00}, XXXX {$87.00} NY XXXX ) was deposited into my HSBC checking account by direct deposit. They have told me on numerous occasions they account was in process of closing and then closed, depending on whom you speak with in the fraud department it is in different stage. On different occasions they have told me that a check was mailed ( 5 times ), in fact a check was never mailed. They are holding my government funds that have nothing to do with another problem with account. At their request I submitted proof 2 times to their efraudprevention email. I have been on the phone with them practically everyday. I also spoke with XXXX XXXX at their XXXX XXXX XXXX branch, she is the Vice President ( XXXX ). I spoke with a XXXX XXXX at XXXX for XXXX XXXX, I also spoke with a XXXX ( unknown position ) at XXXX, she works out of headquarters in XXXX, New York. I have spoke with a multitude of people in the fraud department. I am in desperate need of this small amount of money that I live on sparsely.
|
| 11/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Older American |
|
I was contacted by a female associate from XXXX XXXX XXXX on XX/XX/XXXX. When I answered my phone she said that this is an attempt to collect a debt. The message was that I would be contacted at my residence or place of work if I did not pay now. The message ended with YOU HAVE BEEN NOTIFIED! I was very upset at that harassment talk, hung my phone up and called them back. They transferred me to a supposed Manager and he yelled at me at one point WHAT DID I NOT UNDERSTAND ABOUT THIS! This was during my conversation that I did not remember in XXXX this negligent account. I at that time asked if I could negotiate a settlement but that was adamantly declined. He asked if I worked full time and wanted to know how much I made and so on, and so on. He told me the amount was 900 and some dollars. I received an e-mail from him on XX/XX/2018 stating that I owed over 9100.00. I am very upset. I have his e-mail if needed by your office or anyone else who can help me. I am willing to negotiate but my card may have been compromised ... ... ..
|
| 03/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
All my monthly payments of my HSBC credit card balance have not been showing anymore since my credit report dated XX/XX/XXXX ( complete HSBC payments - attached ). They have desappeared from the today report dated XX/XX/XXXX ( missing HSBC payments - attached ). This transmission and/or publication issue has happened various times along the year XXXX as reported in the XXXX and XXXX complaints XXXX. This used to be fixed but for only a temporary period and the issue has come again after one or to two months time. My HSBC XXXX payments and my good standing with zero past due since XXXX disappears which is very prejudicial and is resulting in repetitive adverse letters when asking for other credit card. XXXX says I should have more cards to raise my XXXX score but they just impedes that same process. Attached are the XXXX report showing the right data and on the opposite the XXXX report with a blank section for my HSBC XXXX. Attached are also the HSBC card statements of XXXX and XXXX which should be reflected in the XXXX report.
|
| 04/01/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I am a premier customer with this bank and attempted to make an international wire transfer to another company through their online web portal. The system is secure and works well, except that the wire process never shows the actual amount that the recipient will receive at the current exchange rate i.e. I am never told what rate is being applied. I called their customer service on XX/XX/XXXXand the representative said that it should say in fine print, once you confirm your transaction, which never happened, even when I confirmed my whole wire-transfer process. I was not happy about that and was able to cancel this transfer within 30 minutes, however I feel this is really dodgy service by this world renowned financial institution and I am super-frustrated with their wishy-washy response which has wasted a lot of my time, and possible monetary loss due to fast changing exchange-rate which is not in my favor. Kindly take a look and have them enforce a clear communication about the exchange rate, so I can proceed forth with this.
|
| 06/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have a mortgage through House Hold finance Member of HSBC Group. I am wondering if I qualify for some kind of relief due to predatory lending practices? I have paid this company approximately {$110000.00} since XX/XX/XXXX-XX/XX/XXXX. I still owe {$66000.00} for a property that is assessed at {$69000.00}. I have no equity built up so that I could refinance with another banking institution. No one will help me get away from this lender. The local branch office closed years ago. There is no one to contact any longer. I think the home office is in XXXX. I really do not know.The last time I spoke with someone, it took weeks because I had to use regular mail. The phone numbers on my statements only lead to menus and not a person to speak with. The web site is a joke of looped links that offer no help.They told me that I can not refinance with them any longer because there is no equity. ( No kidding! They absorbed it! ) Are you able to direct me on what to do? I do n't want to lose my home and am close to retirement ( XXXX years ).
|
| 09/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am writing to complaint about a series of account holds/restrictions which HSBC is imposing on my accounts. On XXXX/XXXX/2020, I have made a check deposit for the amount {$1700.00}. On XXXX/XXXX/2020, an HSBC representative stated that the system had picked off the {$1700.00} deposit and therefore all of my online access has been suspended until this restriction is lifted. This is not the first time that all of my accounts have been on a complete " lockdown ''. Just recently, on XXXX/XXXX/2020, a hold was placed on my checking account for a check deposit of {$100000.00} for the same reason as stated by the representative -- the system had picked off that check.
Similarly, on my HSBC credit card there were a total of 5 blocks placed for making payments. On XX/XX/2020 a block was applied ; on XX/XX/2020 due to the account status a restriction was applied on the account ; on XX/XX/XXXX a block was applied again due to " consecutive payments '' made. Attached is HSBC 's response regarding the blocks on my credit card account.
|
| 04/20/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I received a bank statement letter from HSBC in XXXX, 2020. The statement shows that I have an account with a beginning balance of {$750.00}. I have never opened an account and deposited any money with HSBC. I wondered where the {$750.00} came from, so I called HSBC on XX/XX/2020.
A lady from HSBC talked with my husband and I and misled us into opening the account. When we asked her who deposited {$750.00} in the account, she said it was credit. We were confused by this statement, and grew suspicious.
We asked her, " Is there a monthly fee we need to pay to claim the money? '' She said, " Yes, if you open an account and deposit less than {$75000.00}, the bank will charge you a monthly fee of {$50.00}. '' Both of us realized that they were committing fraud and I immediately told her to close my account on the phone and protect the personal information I gave to her, but she said closing the account would come at a cost of {$25.00}. I would appreciate it if the CFPB could support me and help me close this account with HSBC.
|
| 06/14/2016 |
No |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Have a first and second loan with HSBC.
( Beneficial Finance ) After we requested payoff amounts on loans. HSBC realized the second had come to term a year ago. Then sent us paperwork to resign the loan at 14 %.
But on our statements it shows 8 % and has been at 8 % for 13 year. HSBC said " On there computer we are being charged 19.90 % ''. Have been sending payments in. And they send them back. We have sent faxes and called for 10 weeks or more trying to get information on what we really owed. Loan started at {$17000.00}. After paying {$220.00} a month on it for 16 years. HSBC claims there is a balance of {$14000.00}. On the XXXX of this month. It will be 4 months that HSBC has been refusing payments from us. We assume they are stalling at sending us the full payment history for life of loan.
Also have problem with first loan.
Loan started at XXXX after paying on loan for 16 years. HSBC gave us a payoff amount of XXXX. Payment breakdown on statement always has money missing, or says it unappliedunapplied. Please help us.
|
| 06/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Telephone calls 2-3 times daily from a company named XXXX XXXX, also voice messages left stating company has an informational packet that will be given to my place of employment or residence. XXXX claims debt is owed exceeding {$800.00} but willing to clear debt for payment over {$500.00}. Claims debt is originally owed to HSBC bank with a last payment remitted as of XX/XX/2013. I stated NY state has a 6 year statute of limitations ; and she said I am just a person trying to get out of paying a bill. The person, a Ms XXXX became belligerent and abusive on the phone ; I was not going to stay on the telephone line to take that abuse.
I have also contacted HSBC bank on two separate occasions to resolve the matter, but HSBC bank will not investigate the matter without myself providing my SSN. I made the argument that the bank already has my SSN ; why is it needed again. I asked if it their bank policy to hand out money without getting a persons SSN in the first place. To sum it up ; HSBC did not want to resolve the matter.
|
| 09/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I applied for a premier checking account with HSBC on XX/XX/2022, and the account was approved the next business day XX/XX/2022. The terms of the agreement were a bonus amount of {$450.00} when I make a direct deposit from my paycheck/salary of {$5000.00} or more each month for 3 consecutive months. I did fulfill the terms of agreement for XXXX, XXXX, and XXXX, and when I reached out to the bank on their fulfilment of the bonus, they have been posting me now for the past 2 months. Every time I call, the representative will confirm that I met the terms and say the payment will be made on a future date and they never did. The last time I called, about 2 weeks ago, I was told the payment will be made on or before XX/XX/2022. We are past that date now and the bonus amount is yet to be credited to my account. I feel disrespected and deceived by this Bank and decided to file this complaint against them for the way I am been treated and their refusal to fulfil their own terms and conditions. I am deeply disappointed with HSBC.
|
| 07/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
We have a Premier checking account and a XXXX credit card account at HSBC US as we are frequent travellers. Using the card for online purchase ( e.g. flight tickets ), at the time of payment after being redirected to the XXXX interface, when the pop-up windows appears to elect the second authentication method ( SMS or voice call ) I am always presented three time the same phone numbers in the drop box instead of showing us our three different phone numbers. Although we have well entered our various phone numbers in the online bank account, in the personal detail page ( see attachment ), it only reflects one single option repeated three times. We keep always three different operational numbers to make sure we are not stuck in case of roaming issue with one telecommunication operator while abroad or in case of excessive delay for the SMS sending the 2FA code to reach us. We escalated this problem over the past but it has not been corrected since. It has to be noted that before Covid-19 this was working well two years ago.
|
| 07/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I was checking my account balance after XXXX and my account read XXXX I knew i had at least XXXX to my name. there was a hold on my account from my bank of XXXX dollars. when i contacted the bank Friday morning. I was given the phone number to XXXX XXXX XXXX XXXX of XXXX XXXX. I called the law firm I had not received a notice that a bank Lien was going to occur. The representative sent me an email with a copy of the letter to me about the lien. My first issue is i already have a creditor garnishment of 25 % being deducted from my paycheck this stated last week. by the way both of these credit card debt are from XXXX both judgement occurred in XXXX and XXXX so i believe this is a very old debt. I guess there is a deadline that coming up so they both are suing me at the same time. my case is a hardship case. I do not always work 40 hours a week. I live in an expensive part of the country XXXX county Virginia. I have no savings. I do not own a car I own no property.I have plenty of medical bills for a medical condition.
|
| 06/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
THE COMPANY XXXX XXXX FALSELY CLAIMED TO BE REPRESENTING THE CREDIT CARD HOLDER HSBC TO COLLECT A DEBT. THEY THREATENED TO SUE ME IF I DID NOT MAKE PAYMENTS TO THEM. THEY ORIGINALLY TOLD ME I NEEDED TO PAY {$1500.00} THEN THEY SAID I HAD TO PAY OVER {$3000.00} BECAUSE OF COURT FEES BECAUSE THEY WERE FILLING SUIT AGAINST ME. I MADE 4 PAYMENTS TO THEM OF {$110.00} OVER 4 MONTHS, THEN I RECEIVED CALLS FROM THE CARD HOLDER SAYING THAT I HAVE NOT BEEN PAYING THEM AND THEY WERE READY TO SUE ME IF I DID NOT MAKE PAYMENTS TO THEM. THEY INFORMED ME THAT THEY WERE NOT GOING THROUGH A DEBT COLLECTOR TO COLLECT MY ACCOUNT AND DID NOT KNOW WHO APE FINANCING WAS. THE CARD HOLDER WAS UPSET WITH ME AND POSTED ON MY CREDIT REPORT AND IT DECREASED MY CREDIT NUMBERS. THE CARD HOLDER, MY BANK, THE XXXX XXXX XXXX AND MYSELF HAVE NOT BEEN ABLE TO GET IN TOUCH WITH ANYONE AT XXXX XXXX. THEY HAVE RECENTLY BEEN CALLING AND HARASSING ME AGAIN BUT WHEN I CALL BACK I CAN NOT REACH THEM. I FOUND THEM ON THE INTERNET AND THEY HAVE SCAMMED OTHERS.
|
| 08/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
HSBC Bank USA, N.A.
On XX/XX/XXXX, I opened an account with HSBC in California. I opted for HSBC because my client, based in XXXX XXXX, uses this bank, thereby facilitating a more streamlined process for me to receive payments. On XX/XX/XXXX, I received a payment from my client in the sum of {$15000.00}.
Subsequent to this, I initiated two wire transactions : 1. {$1000.00} to my credit union.
2. {$8000.00} to a commercial bank account associated with a design studio for services rendered.
However, without prior notification or explanation, HSBC canceled the {$8000.00} wire transaction. As of XX/XX/2023, the {$8000.00} has not been credited back to my account, and I was informed it would take another 1-2 business days for the amount to be returned.
To exacerbate the situation, my entire HSBC account has been frozen, denying me any access to my funds. Despite my efforts to communicate with HSBC to rectify this issue, I've been told my money will remain inaccessible until an undisclosed review process is completed.
|
| 06/04/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Last year I tried to close my COD account with HSBC and after several tries, I gave up and just let it be. However on XX/XX/XXXX, I finally followed up again and closed my COD account with them. They said they would issue a check via XXXX within 5 business days. I still haven't received my check and its XX/XX/XXXX. After 3 follow up calls and a call to XXXX XXXX, HSBC has no clue where the check is and only realized this on the last call. They were unwilling to take necessary steps to call XXXX and find out and give me a status and asked me that I need to call XXXX for this. They were so quick to close my account but where is my check for $ XXXX? I called them again today and now they can't find it and they are re-issuing the check. However they told me that they will call me back on Friday to find out if there are any further issues. Why is this taking so long? Its been almost 2 weeks that I haven't received my funds. How can a bank pass any of their key controls if they can't even pay back their customer deposits?
|
| 04/19/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
My mother sold her home in XXXX XXXX . The home was located in XXXX NY, XXXX . My mother owned the home free and clear of any debt at the time of the sale. During the title search it was found that there was line of credit for {$28000.00} taken out against the home in XXXX . The line of credit was paid off sometime on the late XXXX 's. My mother can not find a copy of a release letter, or statement indicating the line of credit was paid off. Due to outstanding line of credit on the title search, {$30000.00} was held in escrow ( by the attorney ) pending receipt of a lien release letter. The line of credit was initially taken out with XXXX XXXX XXXX , which was ultimately acquired by HSBC Bank. I have tried numerous times contacting HSBC regarding this issue. I would estimate I have called th em 20-30 times and emailed/mailed/faxed at least 10 times. I have also had an attorney call them several times and send at least 2 or 3 letters . I do have extensive documentation and timelines that I can provide.
|
| 04/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I was contacted this morning by an unknown firm that refused to identify itself and did not verify my identity before relaying private information. I was initially contacted by a number from a XXXX, CA number at XXXX. They told me that " police officers '' would be " arriving today to serve papers '' on me. I asked them what this was about and they told me to call XXXX with case # XXXX. I called that number and asked what was going on. The XXXX man who answered was belligerent and bullying when I asked him what this was about. Before I had even identified myself, he alleged that I " owed '' some unnamed phantom debt to XXXX that I had allegedly " used '' for " 5 '' years. He tried to imply that I wouldn't be able to get legal representation to assist in this matter. I tried several times to tell him that I had been a victim of identity theft but he aggressively overrode me and tried to continue threatening me. Fed up with not being able to get a word in XXXX, I informed him that his tactics were illegal and hung up.
|
| 09/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2021 a charge {$12.00} from park receipts in XXXX appeared on my mastercard HSBC. I live in XXXX. I contacted and reported disputing this charge 3 times. After waiting 3 weeks my card was closed but now I can view my statements and balances on line but can not make any payments or transactions. The disputed charge still remains.
They sent me a letter attached asking for a response. On XXXX I faxed response and letter back. Attached. HSBC on XX/XX/2021 wrote me another letter saying attempts to contact me have been unsuccessful.
SUCH XXXX! Instead of writing nasty letters and miscommunicating they should recognize an Obvious fraudulent charge. INVESTIGATE XXXX! Thats your job HSBC. WILL NEVER USE HSBC AGAIN!! It is illegal for me not to be able to access my account and pay these XXXX off! I have contacted you numerous times. HSBC has been unresponsive and negligent in bogus fraudulent charges and terms of agreement with card holder. Now HSBC has the balls to tell me 10 calender days or else. Unacceptable.
|
| 05/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a phone call from XXXX XXXX XXXX XXXX on XX/XX/XXXX informing me that I owed a debt on a credit card from XXXX. I have no recollection of this credit card and when asked for some proof that this was actually my debt, I was told to call the original bank that held the card. XXXX e-mailed me a letter that gave me the original account number for the account and their representative gave me HSBC banks phone number. I called the bank and was told that account has never existed. When I called XXXX back to find out what was going on, I got lots of excuses as to why I did it wrong and how the account number may be wrong. The representative got to yelling and being ugly with me so I ended the call. He then took to calling me repeatedly and finally left a voice mail threatening to sue me for the money.
As it is, all I asked for was proof that the bill was mine. I was informed he doesn't have to show me anymore proof than a letter that lists the account number and original creditors name, that he wrote up himself.
|
| 08/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
XXXX XXXX XXXX is a debt collector. They have called me repeatedly for several years about a credit card that was charged off in XXXX and purchased buy PR in XXXX. I have never made a payment or promise to pay to this company.
I recently reviewed my credit report ( XXXX ) and found that XXXX XXXX is doing inquiries on my credit report as follows : XXXX : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX : XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX ; You will notice that this debt is 15 years old. I have not changed my email or phone number for over 20 years. I have had the same address for the last 11 years.
I am now XXXX years old which would most likely preclude full-time employment.
Numerous contacts with this company have not resolved this issue. I believe that since they can not list the collection on my report, they simply place inquiries to damage my credit. Notice that some of these inquiries are done as little as four days apart.
Thank you for your help.
|
| 12/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I was trying to open " No borders checking account '' at HSBC online with a promotion. I got a lot of tough time. Twice my application was rejected. I reached out to the customer service via chat - got different reasons every time ( essentially which means nobody knows the truth or telling the truth ). Each chat was for 45 minutes each.
Finally i was asked to give a call to the online account opening team at XXXX. I called them at around XXXX XXXX and talked to XXXX. She also trying to transfer me to somebody else - phone banking.
Nobody at HSBC knows what they are talking about and simply not helping the customer. This bank should be asked to close out it's operation and go out of USA. It is not allowing US citizens to open the account.
Application declined Application ID : XXXX Application declined Application ID : XXXX In the past - this online application was stating that i am not eligible for this offer. Both the chat persons confirmed this.
Some or the other way HSBC causes issues for the customers.
|
| 08/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American, Servicemember |
|
This is in reference to Case Number XXXX - XXXX, where as I received communication from CFPB on the status of my case on XXXX/XXXX/2016 per the referenced case that HSBC Mortgage Servicing had sent a communication to CFPB that they needed more time of 60 days to work on my complaint. Howerv, that is n't the case as you can see by the attached documents that they have already decided to deny my request for a loan modification. In their corresondence to me they said that I could appeal but the information in their corresponce is so unclear as to what I 'm to appeal. This has been the historical missleading information being received from HSBC, along with the inability to contact the relationship manager that 's assigned to your case, to obtain factual information. I have attached documention from my account with HSBC and the correspondence most recently received. So i 'm even more so convinced that they are not taking modification requests seriously and thus violation federal Mandated requirements. XXXX XXXX XXXX
|
| 10/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have been repeatedly called by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, MI XXXX ) and threatened with legal action regarding a debt.
I have contacted the company several times and asked for the information regarding the debt. They claim that the debt is from " XXXX XXXX '' which was later acquired by HSBC.
They claim that the account was opened on XXXX XXXX, 2009 and charged off in XXXX of 2009 with a balance of {$780.00}. They can not or will not answer what kind of account it was or what the charges to the account were.
They have promised to send legal information to my address numerous times. I have verified my address with them and called to see when they are going to finally send the paperwork.
It is obvious that they are a last-ditch debt collection agency and when I confront them about it they either hang up, become argumentative or use profanity and abusive language.
Any requests for basic information, such as an address, are met with questions, lies and more profanity or abusive language.
|
| 07/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I am an excellent financial user of HSBC in XXXX. According to the regulations, I have the right to open an account remotely at HSBC in the United States. On XX/XX/XXXX this year, I submitted an application to HSBC in the United States. For the next three months, I have been trying to communicate with the bank, but the reply is always very slow. HSBC asked me to provide a statement on the source of funding. At the beginning, I proposed that the money might come from my father, so HSBC asked me to provide a bank statement, which I have provided. But then I changed my mind. I thought this part of the money should come from my salary, so I offered my payslip in XXXX. At this time, HSBC is still asking for information about my father. I think it is unreasonable and I have the right to refuse to provide it. In addition, HSBC ( United States ) called me many times at about XXXX XXXX. I have complained to the relevant department of the bank about this problem, but it is invalid. I will still receive calls after that.
|
| 01/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
The name of the company is XXXX XXXX XXXX, and they bullied me basically into setting up payments for an old credit card debt that I had in the past. They threatened me by saying things like we will sue you, and they said someone would either come to my home or my job to serve me with papers if I didn't set up payments immediately. There phone number that was given to me is XXXX, and the fax number is XXXX. They have literally gotten close to 5 {$500.00} out of my checking account. And it is making me sick to know that I was scammed like this.
I have since tried to contact them regarding my account, but the phone appears to be disconnected. And the email that is on their letterhead seems to be false also. The email is XXXX If needed, I can provide emails that were sent back and forth between me and the company.
There is also another letterhead of a company with whom they may have dealings with. The name of the company is XXXX XXXX XXXX, and their info is below : XXXX XXXX XXXX.
XXXX, NY XXXX XXXX Thanks
|
| 12/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I saw the advertisement online for a {$350.00} bonus after opening an HSBC Advance checking account and following several requirements : XXXX XXXX XXXX I opened the account on XX/XX/2018, deposited {$10000.00}, and left the money in the account for several months. After the 90-day window after which the bonus should have been given passed, I called HSBC several times. At first, they confirmed that I qualified for the bonus and told me the bonus would be given after 6-8 weeks of processing. After waiting 8 weeks and not receiving the bonus, I called several times again and was eventually told that I actually did not qualify for the bonus as they claimed I had not clicked the correct link when opening the account. However after several phone calls they can not tell me where I had signed up that was apparently the wrong place.
In summary, I opened a checking account that fulfills all the advertised requirements for a {$350.00} bonus, but HSBC will not give the bonus because they claim I clicked the wrong link.
|
| 12/06/2016 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Greetings All, I have/had a mortgage with HSBC - it withdraws the mortgage from my bank account every month and has since 2004. Today I received a collection notice from XXXX - which states that I owe approximately 2 months of mortgage payments. I looked at my bank statement and the last two months have not been taken out of my account by HSBC ( since XX/XX/XXXX ). The extra money is just sitting there.
I never received a notice about a transfer of ownership from either bank. I do not live at the residence, but had been receiving the statements and had received a letter stating they noticed my new address when I moved at the beginning of XXXX. They also used to email me monthly.
I thought that both parties needed to contact me ( or at least one ) - and XXXX obviously has my address since they sent a collection notice. As they are closed now, I will reach out when they open at XXXX EST, but I am definitely not happy if they switch this without telling me and am worried my credit would be affected.
thanks,
|
| 11/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I recently obtained a mortgage from HSBC. Initially, we were offered a rate which we " locked in ''. I signed the lock in agreement with HSBC specifying the rate and the subject property ( with the actual address ). Later, during the underwriting process, the loan officer changed the rate to a higher rate in violation of the lock in agreement even though nothing had changed. The property was the same exact property as listed in the original lock in agreement. I protested and insisted that we had a binding agreement. The lender would not budge. The closing date for the property sale was nearing and I had already paid for an appraisal assuming the lock in rate. I could not seek out another lender as it would cost me a second appraisal and would result in the seller potentially issuing a " failure to perform '' per the sale contract. I was over a barrel. I feel that this was a clear case of " bait and switch '' in which a lower rate was offered at first only to be revoked later when I could not switch lenders.
|
| 06/11/2015 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
Dear Sir / Ma'am, I had been a credit card holder of HSBC for years. On XXXX XXXX, I received a letter dated XXXX XXXX, 2015 from HSBC indicating that my credit card account had been terminated. The letter stated that I must send balance payment to such account of which I did. However, HSBC would not allow me to claim gifts or reimburse me for the points I had earned by using the card. I called but was notified that HSBC would only allow existing customers to claim prizes through the points. The issue here is I have XXXX points which is equivalent to a value of {$1700.00}. No advance notice was given to me prior to their decision of shutting down my credit card account, nor had HSBC automatically converted these points to credit my account. I do not agree with the banks improper decision of terminating my account without giving me ample time to manage my earned points. I appreciate your attention to this issue and look forward to receiving your comments / help in order to get back what I own..
Thank you,
|
| 01/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
I was contacted by the `` County Process Server '' on XXXX at XXXX and told I was being served for garnishment and to call XXXX XXXX XXXX XXXX XXXX at XXXX. I spoke with the receptionist, XXXX and XXXX at XXXX XXXX XXXX. They knew my social security number, a previous address and a current address. They gave me the last 4 numbers of an HSBC account that I have never had. I contact HSBC customer service, collections and recovery. XXXX XXXX XXXX XXXX XXXX XXXX said that I last made a payment on XXXX for {$75.00} which I have no record of. They also gave me a another date of XX/XX/XXXX? They said the debt was {$2000.00} and that they would settle it for {$750.00}. I believe that they were scamming me. I attempted to call back the process server and reached only a voicemail. XXXX said they had mailed a letter to my address, which I did not receive. I requested a copy of this letter and he refused to provide it to me. I requested more information on the debt and he said that I would get that during discovery.
|
| 10/08/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Regarding complaint responses XXXX ( Beneficial/HSBC ) and XXXX ( XXXX XXXX XXXX, XXXX ( XXXX ). Beneficial responded, " As referenced in our XX/XX/2019 and prior response letters, HSBC is not seeking a judgment with respect to the outstanding loan nor did HSBC file the Assignment of Mortgage that Mr. XXXX references. Therefore, HSBC is unable to comment on the allegations that Mr. XXXX outlined in his correspondence regarding XXXX 's actions ''. If that is in case fact, then how do they explain why Beneficial is on both the Corporate Assignment of Mortgage and Allonge To The Note ( attached )? This could only mean 1 of 2 things, Beneficial continues to fabricate and is evading the truth, or XXXX has used Beneficial unknowingly/unwillingly/illegally! In addition, XXXX continues to refuse to answer my questions regarding the gross and misleading errors in the AOM which was erroneously filed ( as per my last complaint ). As fiduciary, I continue to reject any and all claims by XXXX and Beneficial ( HSBC ).
|
| 07/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I recently opened a few accounts at HSBC attracted by a few promotional offers.
In chatting with the nearest branch VP I accidentally discovered/was alerted to fraud. I was told that some money was being diverted from my account. I was given different numbers at the branch, and the VP refused to put it in writing, but the total missing is over {$550.00} from my understanding.
From my understanding of the sketchy information I got from the branch, and by calling their Fraud unit from the branch, someone had taken ( stolen ) at least {$500.00} and {$20.00} out of my account. That was around XX/XX/2019. I was told that the bank would have investigated the matter and sent me details of their findings. Instead about a week later HSBC Fraud sends me a note saying the withdrawals I questioned were " authorized '' and the " case is closed. '' So far I have NOT received any written accounting or investigation results from HSBC. I am pressuring HSBC to send me details but none have yet come in writing at least.
|
| 07/22/2016 |
Yes |
|
|
|
Web |
|
|
RE : Credit Card Reporting HSBC Account # XXXX Age of Accounts/Length of credit history Dear Consumer Financial Protection Bureau : I have a closed HSBC account and that had this credit card for over five years and still has a balance on it. According to XXXX, they claim the creditor requested it removed ( credit grantor removed ). I also reviewed my credit history and discovered that other accounts such as my XXXX XXXX account that I had for over 17 years was also not factored in my credit history/ age of accounts.
The result of creditor removing my HSBC account caused the age of my credit history to shorten and caused a poor status. These actions to remove the above referenced account was done intentionally to cause the age of my credit history to shorten, resulting in a poor age/history status.
I have had this HSBC account since 2003, and there is a 13 year perfect paying status that has been removed by someone either from HSBC or the credit bureaus to cause the age of my accounts to be more recent.
|
| 06/26/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
There is a credit card that was issued by Household Bank. The debt went bad. I settled this debt with a debt collector years ago. I received a call from a collection company or attorney in Florida stating that they were going to have me arrested for Fraud. I spoke with an XXXX the first time. She would not give any information and started insulting me. I told her I was going to file a complaint with the FTC and my state 's attorney generals office.
As I was filling out this form I called back to ask the address of the firm. They forwarded me to another person named XXXX. He was very argumentative and told me that they do not give out their address. After he continually asked me why I wanted to know their address, I finally told him it was so I could forward the information to my attorney generals office and the FTC. I said I do n't really need it but the form was requesting it.
His response was that I apparently have everything I need. He then stated " also, do not contact this phone number again ''
|
| 07/28/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XX/XX/XXXX XXXX mailed me a notice regarding an old debt I received it on XXXX stating I owed XXXX and last payment received was XXXX.After several calls from me to the junk debt buyer explaining this was originally a predatory loan that is expired beyond the statute of limitations according to XXXX XXXX on collecting a debt, also filing a complaint with XXXX. I wrote and sent via certified mail with signature from the debt buyers admin. a cease and desist letter on XXXX the debt collector answered my complaint with XXXX and agreed to cease and desist. Albeit this debt collector has continued to harass me with letters over and over ever since they agreed to cease and desist. I'm very very upset this debt collector is continuing with the harassment against me. The debt collector mailed notices on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX demanding I pay or face judgement. I'm unable to load images on this laptop but assure you I have the paper trail to back up my statement.
|
| 09/01/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I had a personal loan with HFC beneficial. This loan had an extremely high interest rate. In XX/XX/XXXX I was XXXX. Due to medical bills an inability to work I fell behind in payments. I tried to negotiate a lower payment and make arrangements to pay with the creditor and they refused to help me. Prior to this time payments were made in a timely fashion even when they closed the brach that I usually made payments at. They continued to add fee after fee and added XXXX more years to this loan. This was a predatory loan. They used to charge {$12.00} just to make a payment online. Now my credit report is ruined because of the unfair billing practices of this company. Eventually I think this loan was transferred to XXXX XXXX. This loan was paid in full in XX/XX/XXXX. 2 years after it was originally supposed to be paid off. No explanation was ever given to the additional charges and I believe I was forced to pay fees that were undue. This company preyed on people who were desperate and then overcharged them.
|
| 08/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Hello, I applied for an HSBC credit card and received an email on XX/XX/2019 to call XXXX to verify my identity. When I called, they asked me for my cell phone for a text message verification code, I gave them the code, and was told I'd be receiving an email with a link to upload proof of my identity and a utility bill for residency. However, I did not get an email with the link. I then called them back and was told they were declining my application. Just 5 minutes prior, I was told they needed two documents. I was also told, the second time, that I would need to reapply. When I asked if they would pull my credit report again, the representative said no, but I don't know why they wouldn't run it a second time since it would be a new application. I was told that after they received proof of my identity that I would receive the credit card I applied for. However, on the second phone call, they told me they were declining my application and refused to let me send over proof of my identity and residency.
|
| 05/06/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
In XX/XX/XXXX my wife and I received a home equality loan from HFC\Beneficial Finance for {$20000.00}. We signed did sign the contract to be paid at an 8 %. The agent took it to the back to make a copy to which he fold and put it in an envelope. Thinking this is a reputable company we did n't think to open the contract and look again. We made the payments every month up until XX/XX/XXXX when I inquired to the new company XXXX to why I am still getting a bill. That when I found out that the agent had changed the contract by putting a XXXX in front of the XXXX making it 18 %. I would 've never signed an 18 % contract. This was not typed it is in pen. We had already paid over {$26000.00} and they 're claiming we still owe over {$16000.00} making the pay back over {$43000.00}. Since then I have moved and ca n't find my copy of the document. But I feel I have fulfilled my commitment to this loan and more, and I do not owe anything else. I 'm a XXXX and this is hindering my security clearance investigation.
|
| 06/19/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Court Case XXXX XXXX was a foreclosure case between HSBC and XXXX XXXX XXXX and not XXXX although XXXX XXXX XXXX represented XXXX.
We were summoned to Court on XXXX XXXX, XXXX dealing with foreclosure. We havedocuments from XXXX showing that your relationship began with XXXX as XXXX XXXX XXXX and not XXXX XXXX, XXXX.
On XXXX XXXX, XXXX before a Sheriff sale you verified your sale from XXXX to theFederal Reserve Bank XXXX XXXX dismissing your involvement with us.
On XXXX XXXX, XXXX you appeared again with a Sheriff sale.
XXXX XXXX, XXXX HSBC received confirmation of your Sheriff Sale.
We have no reason to address XXXX because you stated on many times thatyou were the owner. You simply as the owner has been able to fraudulently XXXX XXXX Mortgage in XXXX in Ok ) sell property on ( XXXX XXXX different occasions and thereforewe scream XXXX jeopardy and mortgage fraud.
We have shown that no mortgage existed and therefore believe that HSBC owes usour Truth-in- Lending amount from XXXX of {$480000.00}.
|
| 12/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
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In XX/XX/2019 I opened both a checking account and a savings account with HSBC, for the purpose of meeting the requirements for the respective signup bonus offers. I met the terms for the 90 days and then maintained the accounts for an additional 90 plus days in order to avoid the early termination fees. In late XXXX or early XXXX I called the bank to close both accounts and was told that it was taken care of. In XXXX I received a collection letter stating that I owed a {$15.00} overdraft charge. Apparently the checking account had not been closed per my instruction ; and since I had transferred all the $ to my other bank, HSBC charged a {$15.00} maintenance fee which of course was overdrawn. I called and was told that this was resolved, yet once again on XX/XX/XXXX I received another letter. I was given further confirmation that this problem, both the account not being closed and the overdraft being removed, has been resolved but I don't trust the bank to not send me another letter come this spring.
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| 12/15/2017 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have had an ACH Direct Transfer agreement with HSBC for the past 14 years during which HSBC has been withdrawing its monthly mortgage on time, uninterrupted. In or about XXXX 2017, without my knowledge, permission, or consent, HSBC stopped the transfers for reasons it refuses to provide.
The attached HSBC Direct Transfer Policy, Section III ( ACH Revoke Authorization ), states that only the consumer can revoke this authorization. I have not done so. It remains valid.
HSBC has refused to transfer the fund and has initiated foreclosure. If this all sounds absurd, it is. I am filing this compliant to find out from HSBC ( 1 ) why it stopped the Direct Transfer, ( 2 ) why it has damaged my credit, and ( 3 ) why it has initiated foreclosure. Simple questions. I hope HSBC responds.
Prior experience shows that HSBC takes complaints to CFPB as jokes and does not properly respond. HSBC knows that it can respond with a dog bone image, and CFPB promptly accepts it as a timely response and closes the case.
|
| 10/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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|
Web |
Older American, Servicemember |
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Please note this is a follow-up Complaint to Complaint # XXXX, wherein I was complaining that HSBC would not respond or process my request for past checking account records required for my elderly and ill mother 's XXXX application.
XXXX XXXX the XXXX Customer Experience Manager of HSBC responded to me in writing on XX/XX/22 to that complaint stating HSBC would send me the requested records within ten business days. I have not receive any records from HSBC as of yet. These records are desperately needed in order to submit my XXXX XXXX XXXX mother 's XXXX application for care that she urgently needs ( XXXX requires records going back 5 years ). HSBC 's non response/delay is DELAYING MEDICAL CARE.
At this point I believe the bank is not responding because the accountholder ( my mother ) is elderly ( XXXX ) and is XXXX.
Please assist as I have written HSBC more that XXXX times, called HSBC countless times, emailed HSBC 's CEO, XXXX XXXX, and submitted an earlier complaint to the XXXX to no avail.
|
| 05/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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I applied for a mortgage loan with HSBC and also I am approved for grant money form XXXX XXXX County. My closing date was XXXX / XXXX / XXXX , and We did n't close because HSBC Bank could n't finish and send the correct information to XXXX XXXX County. My realtor negotiated and extension, so the new closing date is XXXX / XXXX / XXXX . For that to happened XXXX XXXX County had to receive the documents last Friday XXXX they did n't receive it. Today XXXX XXXX County received the documents but they did n't have all the information required, and also HSBC Bank asked for documents that I already sent to them, but I resend them anyway and ask them to hurry up. XXXX XXXX County need from HSBC a receipt from the appraisal, a correct form XXXX , a correct form XXXX , the home insurance amount to be corrected. Also the seller needs a commitment letter form HSBC bank for a new extension for the closing to be file. Please help if I do n't close I will lose my grant money!!!
|
| 12/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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|
Web |
Older American, Servicemember |
|
I requested a replacement card for my HSBC credit card which has a {$3200.00} credit limit at the beginning of XX/XX/2020.
Shortly after I received the card I received a letter showing my credit report.
I did not authorize HSBC to do a hard inquiry nor a soft inquiry on my credit report.
I did not ask for a credit limit increase nor a decrease.
Then when I logged on to my HSBC online account, my credit limit was reduced from {$3200.00} to {$500.00}.
Ive made payments which ranges from {$200.00} to {$500.00} for months and months that brought down my acct balance to XXXX, which means I have built a solid great rapport with HSBC.
Why in the world would they suddenly decrease the credit limit?
Its because they pulled my credit without my authorization. They took it upon themselves to do a hard pull without consent so they can illegally justify their action in lowering my credit limit. This is my formal complaint.
PLEASE HELP.
Cordially yours, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
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| 12/04/2015 |
Yes |
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|
Web |
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|
I had XXXX ( XXXX ) credit cards with HSBC Bank USA that accumulate points for every dollar I spend with my credit cards. The points that I earn accumulate in my account until i used it for purchase of airline ticket or other goods and merchandise, base on the terms and agreement with the credit card company my points never get expired. I currently have XXXX points XXXX card and XXXX on the XXXX card. I received a letter in the mail one day to my surprise the bank close my account and cancel my credit cards. When I call the bank to inquire what the problem was I was told that my business was not profitable since I am a very good customer and I always pay my balance in full the bank is not making money from my business, when I inquire about my points the are saying I lost the points because my account was closed. I am writing to you to help me regain my points since the bank choose to close my account without my consent and did not give me the opportunity to redeem my points which worth a lot to me.
|
| 06/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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They have been calling saying we owe XXXX but they can do a hardship now and we can make 3 payments of XXXX starting today. They said they are from XXXX XXXX XXXX and if it is not resolved today then hsbc which is closed according to the woman we spoke to. That hsbc will be sending a law suit to XXXX County for the full amount and we will be required to pay the full amount in court. They knew all of our information last two places we lived last four of our ssn. They emailed us a letter with an address of XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. Phone number XXXX. I have called hsbc bank to see if they have any information for an old account and they do not. I called XXXX XXXX because the woman said XXXX XXXX took over the company. But XXXX XXXX had no information. I called XXXX to see if they had any information on this on my husbands credit report and they have nothing. The woman who called us also mentioned that this account is old and will not show up on our credit report.. which was weird to me.
|
| 04/24/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
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|
Web |
|
|
2nd Mortgage is with HFC, subsid of HSBC. The company, when calling the XXXX number, reports that the divisions, centers, resources in the US have closed and that there was a notification of who the new owners were of the mortgage. For years they have reportedly tried to contact me, via snail mail. electronic services have never worked, printed seemed like a better plan. NOW, need the XX/XX/2017 Taxes paid and the company is no longer in the US. More over, the payment is on autodraft, no contact details are available and if there were, it would only be to a processing center, not the actual company behind it, since they likely process payments for lots of company 's. Worse now, this 100 % inhibits any plans or change with the property, until the loan is paid off OR bought out by a refi to a company we CAN talk to. HELP, THERE is LITERALLY NOTHING THAT CAN BE DONE??? REALLY?? I saw mention of a class action lawsuit against HFC, for reckless, malicious intent, interest rates, unbelieveable behavior.
|
| 12/15/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
My wife and I received a call from a person identifying herself as XXXX XXXX, an employee of HSBC Beneficial and employed in the Underwriting Department. She contacted us regarding an offer to modify our loan and faxed us XXXX pages of information describing the process. The information we received stated that our monthly mortgage payments would be reduced by several hundred dollars as well as the interest rate. The information stated that we would first have to make 3 trial payments of {$880.00} beginning on XXXX/XXXX/2015. The next 2 payments would be due on the XXXX of the month for the same amount. I asked XXXX XXXX for an address in order to give to my bank to set up the payments. She stated she would call us back XX/XX/XXXX to give us the address to send the payments. It sounds too good to be true since we had just completed a modification a few months ago with HSBC. I also had difficulty understanding the person I spoke with because of her foreign accent. Can anyone shed some light on this?
|
| 10/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
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In XXXX of XX/XX/XXXX, I purchased a new XX/XX/XXXXXXXX XXXXXX/XX/XXXX for around {$7000.00} and financed it. Sometime a year or two later, I refinanced my home and paid off several loans, including this one. I never received the title. Recently, I was looking at purchasing a newXX/XX/XXXX and was going to sell the XX/XX/XXXX. According to PA, where I live, Department of Conservation and Natural Resource ( DCNR ) who the XXXX is registered through, there is a lien on the XX/XX/XXXXhrough HSBC Retail Services Inc, XXXX XXXX XXXX, XXXX XXXX, IL XXXX. I have not moved, have an excellent credit score over XXXX, and have no outstanding debts to this company according to my credit report. I contacted customer service of HSBC and they advised me to email XXXX and explain my issue. I emailed the company on XXXX and have had no response. The customer service rep took my ssn and my personal information and advised they have no judgements or action against me. I can not sell my XX/XX/XXXX without the title.
|
| 03/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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|
Web |
|
|
On XX/XX/2023 I was contacted by XXXX at XXXX ext XXXX, claiming that she was trying to collect payment on a Master Card ending on XXXX that was under my name, and that I had stopped making payments on. Claiming the Credit Card came from HSBC Bank, out of XXXX XXXX, CA. I am worried because she had my full name, address and even my full Social Security Number. She requested my email address to send me further information. She stated that her assistant named XXXX XXXX would be contacting me. They were supposed to send me documents to my email address, stating what I owed and the details. I have not received any emails regarding this matter. I am worried that what they were actually doing was verifying my personal information, in order to commit Identity Theft. She also gave me a XXXX # XXXX and the also called me using a local area code for my city, the other number the used was XXXX. I now believe this was a scam. She also mentioned that if I didn't pay, they had the right to garnish my wages.
|
| 10/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
My complaint might seem strange. All I want to do is pay for what I charged on my HSBC card.
In XX/XX/2018 I applied for, and received a credit card from HSBC. I made two charges on the account totaling about {$200.00}. Since I have incurred the charges, I have not received a single statement or communication from HSBC. They have not allowed me to access the account on their mobile app.. I have tried to contact the company on numerous occasions to try to pay the account balance. I have spent in excess of five hours on the phone trying to get this situation resolved. At their request I have sent multiple emails ( copies attached ) trying to obtain a statement. I get no reply and they wont communicate with me, but they have no problem communicating with the credit agencies to report my account delinquent. I have never missed a payment on any account in over 50 years and now my XXXX score has dropped from XXXX to XXXX. Needless to say Id like to get this resolved.
Thanks for your assistance.
|
| 11/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Im trying to open a Premier HSBC checking account and savings account with HSBC. I had a Premier account with them many years ago which I decided to close and was closed with no issues, no negative balance or any problems at all. When I went to open an account today online, the website stated the system recognized me as having a current or past account, and asked me to call a number XXXX. When I called them and explained the problem, they were able to get my info and found the previous closed account. They informed me they couldnt help me over the phone, and that I had to call a local branch to ( and I quote ) have my profile deleted so I could then apply for the account. I contacted my local branch and I was told thats not how it works and that they had no idea what that was about. I was advised to call back that number and ask for a supervisor. I called back and asked to speak with a supervisor and was told there werent any. The agent on the phone did not offer any solutions to my problem.
|
| 12/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
XXXX XXXX tried to make a transfer to XXXX from my HSBC checking account like I had done a multitude of times. Got a call shortly after to confirm that it was me making the transfer. Confirmed successfully as far as I know ( was kinda hard to understand the agent ). Then a few hours later when loging in to check on the transfer got a " creditials suspended '' pop up. Called the number where I was told my account was recommended for closure and then transferred to another team who gave me 0 information regarding the reason.
Every 2 weeks ish after I have chatted and called to try and get information regarding reason but have not been able to get an exact reason beyond " account recommended for closure '' and the process supposedly takes XXXX days. I have $ XXXX sitting in an account I can't access nor have gotten a reason for it being marked for closure. Nor any sympathy about the fact my money isn't accessible. It is ridiculous, and there teams have done nothing but give me the run around.
|
| 01/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I have a HSBC Premier Checking account. Yesterday on XX/XX/XXXX, I made a Real-time Transfer of {$60.00} from my HSBC Premier Checking account to my XXXX XXXX Savings account. Since this was a Real-time Transfer, it should be received by my XXXX XXXX Savings account instantly. However, when I checked my XXXX XXXX account, this {$60.00} transfer was not received at all. Then I called XXXX XXXX and was told by XXXX XXXX representative that they didn't receive this {$60.00} transfer from HSBC at all. However, this {$60.00} has been already deducted from my HSBC Premier Checking account and the transfer status on HSBC end shows successful.
Apparently HSBC deducted this {$60.00} from my HSBC checking account but didn't send this {$60.00} to my XXXX Savings account at all. HSBC illegally stole this {$60.00} from my HSBC Checking account now.
I request HSBC to IMMEDIATELY either send this {$60.00} to my XXXX XXXX Savings account instantly or post this {$60.00} back to my HSBC Checking account.
|
| 01/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
There have been some fraulent charged/scheme involved, stolen cards and unauthorized transactions on my HSBC account. I already reported to the internet law enforcement and also made a police report number XXXX. However, HSBC still did not assist me further as according the Federal State Laws as " Consumer Credit Protection Act of 1968 '' and Fair Credit Billing Act ''. That HSBC did not follow the laws and failed to deliver/provide the promised under the card disclosures.
HSBC ignored my claims and even closed my credit card and debit card without notifying me neither put closed account in writing after very late as I requested. I was treated unfairly and HSBC is definitly showing misrepresntation, misleading me and caused my damages in many ways. Because they made me feel that my rights were not covered and claimed no where I could get my card under protections by federal/state laws. So they made me admited and forced me that I had to pay for all of my fraulent unauthorized transactions.
|
| 11/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Older American |
|
On XX/XX/2023 I paid off my mortgage XXXX # XXXX and never recieved my escrow deposit until XX/XX/2023 due to the fact that they mailed it to my old address where the property was sold. The check they send expired and was 90 days old. I tried to deposit the check but it was returned. On or about XX/XX/2023 I requested a new check and was told that a new check would be reissued to my current address On XX/XX/XXXX I was told no check was issued but they would process a new check which would take 30-90 days to process. XXXX in HSBC servicing department claimed that a new check was never sent but would request a new check which would take 30-90 days to issue. HSBC had 12 security questions and since I got one question wrong refused to service my request until my wife called and got all 12 security questions correct which were different than my questions. Getting HSBC to respond is difficult enough but they have not returned my funds to me and its been now 6 months since I paid off their loan.
|
| 07/24/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I refinanced my Mortgage in XXXX. Then in XXXX HSBC bought the Mortgage. I borrowed 100 % of the value on the home, which was {$150000.00} and have been paying on this mortgage for 13 years. Because of penalties and late payments and added on interest, I still owe over {$140000.00} according to HSBC on the original loan. I have asked and requested several times for them to work with me to lower my interest rate only to be rejected by them. I recently had my home appraised and the value came back as {$130000.00}, so as result I am underwater on this Mortgage with no light at the end of the tunnel. I am currently paying a 7.125 % interest rate. Interest for XXXX XXXX is {$780.00} and principal is {$280.00} = {$1000.00} + {$160.00} ( Taxes ) = {$1200.00}. At this rate I will most likely never be able to repay the Mortgage. The original Mortgage does not show up on the reports, which I find suspicious. I feel HSBC is a predatory lender especially since they have laundered money for XXXX XXXX.
|
| 03/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Hello Approximately in XXXX of XXXX my husband and I wanted to modify our jumbo mortgage with HSBC. It had taken a while so we followed up about 3 months later and were told that it is still being processed. We then reached out mid XXXX and were told to wait 6 months as it was to close to our last modification. After the 6 months we submitted again, this was now the end of XXXX. It is now XX/XX/XXXX and we have locked in our new lower rate and were told it was in underwriting however today XXXX XX/XX/XXXX ) we have been told that since the home is in o family trust ( husband and myself ) that the bank HSBC was not able to do it. this makes no sense as the home has always been in our trust and we did a modification with HSBC in the past with the home in a trust. Did a new law come into effect?
This process has been super frustrating, incredibly lengthy and as of today very disappointing. We are good customers of HSBC and have another mortgage and heloc with them as well as bank accounts.
|
| 10/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Around XXXX, XXXX XXXX, I have opened a checking account with HSBC bank an " Advance checking account '' after I have received an offer in my mail from HSBC with a personalized code which i have used that advertised the following : " you will receive {$400.00} bonus after you meet certain requirements .... ". I have used the code and met all requirements and one year later I did not receive nothing. I have sent a previous complaint regarding this issue and the bank responded to me by a letter on XX/XX/XXXX that claims that I was ineligible for the offer because I did not use the personalized code.
Indeed, that is not true, they are clearly lying because I have used that personalized code and I have proof of doing so. The personalized code is " XXXX '' on my online application! and I have also mailed the code to the bank along with a check of {$10000.00} around XX/XX/XXXX. I also still have a copy of the code which I have attached to this complaint along with the bank 's response letter.
|
| 04/01/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened HSBC choice checking account during XX/XX/XXXX via promotion code which says that I will get {$350.00} if I : " Receive at least one qualifying direct deposit per month into your new HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. '' On XX/XX/XXXX - I was told via the secure message center email that I have fulfilled all the conditions and within 8 weeks I will be getting {$350.00} cash bonus. I am maintaining required {$1500.00} balance also so I am very much eligible for this {$350.00} bonus. During end of XX/XX/XXXX - I reached out to them once again in terms of when i am getting {$350.00}. I got a response on XX/XX/XXXX that I wo n't be getting {$350.00}. So they are contradicting their own statements. HSBC has troubled me at the time of opening this account also and I need to reach out to CFPB regarding that. Once again they are trying to deprive my well earned cash bonus.
|
| 04/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I filed a complaint with the case number XXXX. However I received a response letter from the business for another case XXXX for someone else. I attached the response letter to this complaint. I can not believe this is the way HSBC treat their customers.
Here is my original complaint : My HSBC accounts including checking account and two credit account were blocked by HSBC. I contacted HSBC premier customer service and fraud department to discuss the issue. All the agent told me my account were blocked by another department, and I can not contact that department directly. They can send my request to remove the block or close the account to that department. However, that department did not response. As a bank customer, I have the right to close my account, to deposit and withdraw my own money. HSBC refuse to provide that kind of service. I need the money in my checking urgently. All the customer service agent asked me to wait, but I can not wait indefinitely. I want to get my money back.
|
| 04/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
HSBC has repeatedly opened unrequested credit cards in mine and/or my husband 's name. We never requested nor authorized these credit cards. Despite numerous calls and complaints, they continue to open accounts and tie up our credit line. Each time we report the matter, they treat it as " fraud '' and then cover their misdeeds by " resolving the fraud complaint '' ( i.e., card cancellation ). However, the problem is a recurring one.
Fraud is not the source of the misconduct. Rather, it is their sales/marketing group which has devised a compensation plan that drives and rewards this criminal activity. Just like XXXX XXXX, the HSBC Card Marketing group is incentivizing their employees with a performance plan that is based on driving new cardholder volume/metrics.
Please let me know how it is that they're getting away with this? I am happy to provide you with more details and have attached a photo of their " welcome letter '' for my new UNREQUESTED card ( identifying details removed ).
|
| 12/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a voice mail from my work phone and personal phone on XX/X/2017 from a XXXX county currier '' they claimed to have time sensitive documents they needed to deliver. They directed me to call XXXX file number # XXXX. I called that number and I 'd was a company called XXXX XXXX XXXX. They claimed I owed over {$2000.00} dollars fo a HSBC credit card that was dated XXXX/XXXX/XXXX. They stated if I did not pay within 10 days they would sue me and or file a IRS tax hold against me and seize my bank account and personal property and would increase the amount to over {$4000.00} for collection and lawyer fees.
I did have a credit card that was charged off in XXXX for {$300.00}.
I called HSBC and they had no records of the account and claimed they do not keep records beyond 7 years.
This debt amount is incorrect and beyond the statute of limitations for 6 years in my state of Ohio.
By contacting me at work they have caused extreme duress and perhaps future problems with my employer.
|
| 06/06/2016 |
Yes |
|
|
|
Web |
|
|
Upon reviewing my credit report I noted an XXXX credit card on my account that I have no recollection of opening. I submitted a dispute with the Reporting Bureau XXXX and it came back verified. I mailed a certified letter to XXXX on XXXX XXXX asking for validation of this debt and just received a response letter from them on XXXX XXXX. Their letter stated the following : The contract date was XXXX XXXX and there was a payment in the amount of {$50.00} in XX/XX/XXXX and the date of first delinquency was XXXX XXXX. They also stated it was sold to a collection agency called XXXX XXXX in XXXX XXXX. They also noted that they sent my recent correspondence to XXXX. They also reviewed the reporting and stated in their letter that they were inaccurately reporting to XXXX and would update my report. Per my letter requesting validation of this debt they have failed to provide my any evidence that this account is mine. I wish to have this inaccurate information removed from all XXXX credit Bureaus
|
| 09/18/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I did not receive a notice of the right to dispute the debt XXXX claims that I owe. I have disputed the debt multiple times, recently over the last year, and have only received a notice saying that they have validated the debt and will not dispute it again. They completely left me " in the dark '' to take their word for it that the debt is valid, without providing any documentation. Where is my hard copy documentation? How did they validate a debt? Where is proof of the balance? Where is the payment date proof? During XXXX of my attempts to dispute the information via the credit bureaus, XXXX XXXX XXXX even sent me a letter offering me a settlement amount, DURING a dispute, and according to my credit report ( which they say is valid without providing proof ) is PAST the statute of limitations. After disputing the debt account with the original creditor listed, they removed the account from my credit, but portfolio recovery associates refuses to respond properly to my dispute efforts.
|
| 10/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My HSBC bank accounts have been suspended with my life savings ( approximately XXXX ), since XXXX My online banking is also suspended.
There were several unauthorized ACH charges, which occurred in the months of XXXX and XXXX of 2021. I have never heard nor do business with the merchant, and the beneficiary/receiver of the payment is not me nor someone that I know of. I disputed these fraudulent transactions on XXXX and filled out the written statements.
There has been no communication from HSBCs back office since. Whenever I called in, I get the same generic message which states the transactions are in dispute, and theres no estimate time when my accounts will get restored.
I would like the management team can escalate this issue, since my living expenses are locked up in limbo. I need a time frame on when the issues can be resolved. Further, I would like to get updated on the current disputes with the person ( s ) thats handling my case, as well as reinstating my bank accounts.
|
| 08/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Applied for loan and was pre-approved for XXXX 12.99 APR 36mo loan. Was told that I just needed to submit bank statements and paystubs. Also asked for work phone number. Received phone call saying that they wanted phone number for HR. I explained that given the size of my company they will only do verification through a letter or theworknumber. They demanded a HR number which I had already explained they would not do verification over the phone to protect the privacy of employees. They insisted on the number which was supplied to HSBC. Subsequently they denied application after hard credit pull stating that employment could not be verified. This seems like discrimination given its not my fault my company is trying to protect my privacy and not advertise to anyone who calls that I work for the company. Additional they advertise the process as fast. This seems very manual to me. No other loan company has required anything beyond paystubs or a letter for employers to verify employment.
|
| 05/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
HSBC MORTAGAG XXXX : is my lein holder or owner of my loan, I XXXX XXXX have been dealing with serious medical conditions, which has cause loss of income, I had to file chapter XXXX in XXXX XXXX , did not reaffirm my home, I have been working with HSBC on a loan modification. Talk to them in XXXX XXXX told them what was going on and why filed loss mitigation medical hardship, Have been going back and forth, and now there are offering a 24 month mod. with a {$200.00} saving on a {$1400.00} on XXXX XXXX saving on the second {$540.00}. I have requested permanent modification, my medical condition will never get better only worse. Hoping to recover enough to get back to work, I am on short term XXXX getting {$320.00} a week since XXXX / XXXX / XXXX . having XXXX XXXX on the XXXX of XXXX . I ask for the lowest payment. for if I had to go on total social security XXXX . I could keep my family home. they are just being unforthcoming to help me in my situation.
|
| 04/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I am writing to log a formal complaint against XXXXXX/XX/XXXX regarding online access to my Checking and Savings accounts. During the week of XX/XX/XXXX XXXX I do not remember the exact date ), I made several mobile check deposits to my savings account from legitimate institutions where I had closed my accounts recently. Upon making those mobile check deposits, I have been locked out of my Checking and Savings account access online. I have called HSBC numerous times to get this matter resolved and no longer wish to waste any more time dealing with them on a matter that has still not been resolved after a week of complaints. Because I have no visibility to what has and has not cleared on my accounts, I am not certain, but I am trying to retrieve approximately {$1400.00} that I have in both accounts. All I want is assistance in retrieving all of the funds owed to me and closing my accounts with this bank for extremely poor customer service and illegitimate holds on my account access.
|
| 12/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American, Servicemember |
|
To whom if may concern : This complaint is toward Beneficial, member of HSBC consumer and Mortgage Lending.
I refinanced my home on XXXX/XXXX/16 from Beneficial. The refinance company paid off the mortgage of Beneficial in the amount of {$86000.00}. The pay off on the house was {$85000.00}. Beneficial sent me a check for {$680.00} Short of {$410.00} of what I should have gotten back.
XXXX/XXXX/16 statement is as follows Explanation of amount due Principal {$83000.00} Principal {$190.00} Deferred interest balance {$1500.00} interest {$360.00} Deferred insurance balance XXXX Life insurance {$46.00} That comes to {$85000.00} Monthly payment of {$600.00} XXXX/XXXX/16 statement is as follows Principal {$83000.00} Interest {$1900.00} where did this come from Escrow {$680.00} Insurance {$44.00} why did they take out and pay insurance on a {$0.00}. Balance.
Fees and charges {$26.00} Total {$86000.00} I spoke to XXXX XXXX on XXXX/XXXX/16. Beneficial has not responded.
They owe me money.
|
| 08/22/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I am trying to clear the " cloud '' on my title to a lot purchased by us in a foreclosure XXXX years ago which now shows a lien ( equity line of credit ) perhaps owed to Beneficial Finance and dating from a stated fraudulent document created in 1997 to a former man ( who also states under affidavit that he never owned lot nor signed line of credit documents ). The title company handling the escrow, my attorney, and myself can get no response of either Beneficial Finance Co. Payoff Dept., or Household Finance Co ( their successor? ) and have requested a Reconveyance XXXX times since XX/XX/XXXX. We have no other information regarding the proported lien. We suspect it was some sort of scheme to keep Beneficial Finance from having to pay the Homeowners ' Dues. But I never received any notification of anything at all from Beneficial Finance -- and it 's been XXXX years. To date they have ignored all requests for Reconveyance so that the property can complete its sale with a clear title.
|
| 08/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I signed up for an HSBC premier checking account in XXXX in order to get the advertised 3 % bonus on my direct deposits for up to 120 $ a month. In the terms and conditions at the time I did not see anything about there being a XXXX $ monthly deposit requirement in order to receive the bonus. I even called in to double check the requirements and the rep on the phone never mentioned the XXXX $ / month requirement.
I think this offer is extremely deceiving because if you do the math ...
You have to deposit XXXX / mo to get the bonus You can only get MAX XXXX / mo bonus XXXX = 2.4 % bonus NOT the advertised 3 % This is false advertisement plain and simple. The XXXX $ requirement was not listed on the offer when I signed up. Furthermore I never got a letter or any email confirming the terms and conditions.
3 % of XXXX ( which is what I've been depositing ) is XXXX $ a month. The way this offer is set up is deceptive plain and simple.
Please call me to discuss this issue Thanks
|
| 07/27/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XX/XX/XXXX I experienced a sudden loss of income. I had several credit cards and was struggling to support my children. My debt went into collection and I currently have most paid. I had one however that was an HSBC account that went into a place that was never documented but I paid a company that said they had acquired the debt. That was called XXXX XXXX and my bank account was debited XXXX dollars a month starting in XX/XX/XXXX. The last one being XX/XX/XXXX. Now it seems to not exist and after receiving odd phone calls from another company and making many on my own, I believe XXXX XXXX XXXX has that loan and has had it all along. I have been paying, it seems, to a fraudulent company. XXXX XXXX XXXX has been disrespectful, rude, demeaning, but more importantly not forth coming with documentation. I would love to pay my debt but with the proper process and until I receive that I would like to alert you to this company 's practices and have some solid answers before proceeding.
|
| 11/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
This is for the HSBC XXXX XXXX Credit card ( website : https : //www.us.hsbc.com/credit-cards/products/elite/ ).
One of the card 's benefits is : " {$400.00} in Travel Credits. Up to {$400.00} per year for all airfare, hotels and car rentals booked through HSBC Travel. '' The way it supposed to work is for every {$2000.00} in airfare you spend through the HSBC travel website, you get a {$100.00} credit, max {$400.00} a year.
Well, this year I have spent over {$2000.00} and have not received the {$100.00} credit. It looks like a IT issue on HSBC side as one of the bookings is not reflecting on their website. I got email confirmation from HSBC for the flight and they can check my card statement, but no one is willing to help. I rang twice, they passed me to the Rewards department, and after waiting with the music they hang on me. Then I spoke to an agent about this and raise a complain but no one has come back to me. I feel it's a scam and they don't have any customer service.
|
| 06/20/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I deposited a check on XXXX/XXXX/XXXX for XXXX check was cleared and available in account XXXX/XXXX/XXXX. HSBC closed my account XXXX/XXXX/XXXX and left my money awaiting claim for XXXX on said date. I has a balance of XXXX dollars before check deposited. When I reached out to the bank my account was set up at the bank was closed and all information was carried over to designated branch. I called customer service and they advised me that the money was in unclaimed funds. When I reached out to unclaimed funds they stated since the account had activity in it the same year it was closed the processed of abandon properties did not go into affect. Advised HSBC of the information they do n't seem to know where the money in my account is at or how to find out where they put the funds in my account before and after the deposit. I asked for the paper trail of where my money is at for banks suppose to keep records for 7years and no one can provide me any information on where is the funds.
|
| 06/20/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
Servicemember |
|
Collector called saying they were from XXXX XXXX XXXX 2x in a row.. We filed bankruptcy in 2012. They were collecting a debt from Best Buy for {$4000.00} some dollars. After my husband spoke and said a few choice words - I asked him to excuse himself from phone. I then proceeded to tell the person I was pretty sure he was n't suppose to be calling me because we filed bankruptcy and a letter was sent to Best Buy. He then got smart and said what is the number then. I proceeded to ask him who he was and why he was calling. He then said the debt was from XXXX XXXX XXXX and after asking a couple times that his name was XXXX XXXX and he was a legal assistant at XXXX XXXX with a number of XXXX ext XXXX and gave me the address of XXXX XXXX XXXX XXXX PA XXXX. I gave him the name of the attorney for the bankruptcy and told him I was pretty sure he was n't suppose to be calling. That XXXX XXXX XXXX or XXXX XXXX XXXX should have checked the account before they started collection procedures.
|
| 07/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
we tryed several times to refinance or loan modification and was turned down they stated that they just werent interested in doing that we pleaded to them because we could no longer make the high payments because my spouse was no longer able to work, and our saving were gone so we couldnt make the payments. my wife got into a car accident and couldnt work for 3 months and we fell behind in our payment we got some what back on track and tried to make up the payments and couldnt get statement from them to get money from 401k hardship fund by the time they complied we didnt have enough to cure all the cost, we sent them XXXX dollars the amount thet quoted us in writing to make up the payment, then said we owe more, and they were going to foreclose in XXXX XXXX 2017 we just want a payment we can afford to live in our home im applying for SSi im XXXX years old and hopefully they will grant it, we have no ideal whats going to happen now so any help would be a XXXX send.
|
| 04/04/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Called Beneficial about my mortgage and getting a payoff. They said I had to submit a letter and mail or fax it in and that it could be as late as XXXX XXXX, XXXX when I receive the payoff back. That was if I submitted it today XXXX XXXX/XXXX/XXXX XXXX. I also have something called " Outstanding Deferred Interest Balance '' on my monthly statement and when I inquired about what that was, I was put on hold for a few minutes so they could " research '' what it was. When the rep came back on the line, she said Beneficial would mail out a " fee/charge schedule '' that outlined everything contained in that balance. The statement even has a note on it that says " For further explanation of deferred interest or to make a deferred interest payment at any time, please call XXXX. '' That is the number I called. The rep also stated that I was 48 months behind on this mortgage back in XXXX and I did a modification to bring the payments current ... I was NEVER four years behind on payments.
|
| 09/18/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX has reported false information. They have illegally re-aged this debt. The original debt from HSBC Bank was scheduled to continue on record until XX/XX/XXXX and they re-aged it to XX/XX/XXXX.
I am reporting them for giving false information to XXXX. I received no court summons, and I made no payments or arrangements with XXXX XXXX or HSBC Bank. I made absolutely no deals with them or any others for that matter. I had no money, no life, no job, nothing. I have n't even been in the same state. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XXXX. XXXXIt is my amatuer understanding that it is completely illegal to re-age an unsecured credit card debt especially with the debtor having no knowledge of it.
I would also like to report to CFPB to notice it says original creditor HSBC Bank Nevada when in truth it is just HSBC Bank. Are they both the same or is that just another scheme.
ThanksXXXX XXXX
|
| 06/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I applied for a Premier Checking account with HSBC on XX/XX/XXXX online. I saw a promotional offer where I was supposed to get 3 % back of my direct deposits, with a maximum of {$100.00} each month. This promotion is still currently active ( can be accessed through https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ ) and I have attached the offers. Starting from XX/XX/XXXX, I deposited my bi-weekly paycheck into the account, totalling {$5100.00} in a single month. I never got any bonus, and I got suspicious in XX/XX/XXXX. I contacted HSBC on XX/XX/XXXX and after multiple back and forth, they concluded on XXXX that I did not apply through their promotional page, even though I am sure I did. They refuse to honor the bonus terms that were clearly stated when I applied for the account. They refuse to take any responsibility for this and deemed this to be fully my fault, even when there were multiple reports online of people experiencing the same issue as mine.
|
| 03/11/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I went into a branch located at XXXX XXXX XXXX XXXX NY to simply move funds out of my HSBC Savings Account. GIven the sum of the withdrawal I requested a bank check. After 45 minutes of physically being in the branch and speaking to the floor manager who had been speaking with somebody over email ( not sure why not over a phone call ) the bank check was finally approved. They could not print the bank check though because their printer was inoperable. I asked for them to write a check since a broken printer could not simply render a banking institution inoperable. They told me this was not possible. I asked for cash, this was also not possible. I was told by my banking relationship manager ( XXXX XXXX tel XXXX ) that I could go to another branch, come back when this current branch 's printer was working, or they could mail me a check. This is an unacceptable outcome after waiting in the branch for 45 minutes. How can a banking institution not allow a customer to withdraw funds?
|
| 05/30/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
I bi-weekly send my bank deposits from my wife 's account, and it takes forever ( five to nine days ), for my account to be credited. Well, you can guess what happens in the mean time. While they do pay checks I 've written, I get charged {$35.00} for each check processed and this can devistate my account. I 've checked my wife 's account the next day and find the funds have been deducted. If this is done on a Friday, they will take until the following Thursday to credit my account. This goes on even though I get bi-weekly deposits from XXXX, and monthly deposits from XXXX. This last credit took nine days for them to process, and credit me. By the way the bank is HSBC, having bought XXXX XXXX Bank that I was originally with, since XXXX! If I did n't live in a state where they have no branches, I could walk into a branch, have the manager o.k. the check and get immediate credit for deposit. The checks I send them have never been returned! Never! How do they get away with this?
|
| 04/03/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
My mortgage company charged me a monthly fee for a service I was unaware of and hide it under " other. '' I had no idea that I paid {$37.00} for 10 years for a service I never authorized until I got a form in the mail. When I called the home warranty group that sent me the form, I told them I did not have a contract with them. They said my mortgage company had indeed been taking my money for the contract since I signed for my house. I sent XXXX letters to the Mortgage company and they said I was given it at closing. I checked my closing papers and I did not buy a home warranty. The seller bought one for me. I did not sign up for the service. I sent HSBC a copy of my closing contract and asked for the 10 years of fees to be reimbursed. I never once asked for the home warranty and I did not use it because I did know I had it. They have not answer my letter I sent 6 weeks ago. I want my 10 years of paying for a service money back and it was a faudulant activity on HSBC 's part
|
| 02/13/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Older American |
|
XXXX XXXX sent me a letter 3 months ago saying I owed {$6000.00} on debt that I made payments from XXXX to XXXX and that I still owe {$6000.00} and that if I can pay them {$2900.00} immediately that would take care of it I threw and I thru the letter away. They called last week demanding I pay this money immediately or they're going to take my house and car they also name dropped XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in trying to shame me into paying. They ( XXXX XXXX XXXX said it was a credit card through HSBC XXXX and when I called HSBC they informed me that they have no record of anything. It's been too long and it's been dropped. These people are scammers and won't leave me alone please help they took pictures of my house with me and my car I caught them one day they know what kind of car I drive and they threaten to take it from me it's a XXXX XXXX and they mention that specifically so anything you can do would be a great help thank you so much please get in touch.
|
| 12/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Several of my accounts were suspended by this financial institution without any warning or notice.Therefore, I am unable to access any of my accounts to fix the issues since they said the accounts are being investigated.
HSBC, the previous institution, was bought over by one XXXX XXXX.Never had an issue with the previous bank even though the accounts were open for several years.
Then they closed my credit lines -since I am not able to access any of these accounts even though I never had any issues with fulfilling my obligations, with regards to my incremental payments.
And to top it all off, they reported my account to the credit bureau as though I had missed a payment.This has adversely affected my XXXX XXXX, and as a result, my ability to borrow and use capital.
I also suspect that they may have also sold my account information to debt collections.
I had three main accounts with this institution-HSBC -Checking -Savings -Select Credit And the credit card account.
|
| 09/24/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I was given these fraudulent accounts by my cryptocurrency exchange app to deposit my transfers. Once all these transactions completed, I try to withdraw from my account it was frozen. Now the app is disable. I have contacted XXXX XXXX international police to file a report against these fraudster 's account. They are using these account for money luring. Please advise HSBC regarding these incidents and demand for retrieve or re-call on my behalf that I have made several attempt through XXXX.
1. XX/XX/2021 XXXX XXXX and XXXX XXXX XXXX limited {$1000.00} UDS 2. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX 3. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$100000.00} UDS 4. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$60000.00} UDS 5. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$20000.00} UDS 6. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$50000.00} UDS 7. XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX {$20000.00} UDS
|
| 12/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I responded to HSBC Premier account promotion by opening an account with them before XX/XX/XXXX. Before I opened this account, I did call to check with HSBC and did confirm that I do qualify for this promotion.
However, I did not received the promotion after mid-XXXX. I chatted with the customer service and was told that I have satisfied all the terms for promotion but have to wait till mid-XXXX for the promotion credit of {$470.00}. I checked again on XX/XX/XXXX and they confirmed I do qualify ( see attached first pdf email from them ). However, upon checking again, I was told that I do not quality today ( see attached second pdf email from them ) HSBC is cheating their customers. I have three times repeatedly confirm with them the promotion. If they were to tell me the truth at the beginning, I would not have to waste time open the account and made effort to fulfilled all their terms.
Please help me look into this matter and have HSBC honor their words. Thank you.
|
| 09/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
recieved a call on XXXX XXXX in the morning from a processor stating they had lawsuit papers to serve me and to call this number for information XXXX to talk to XXXX XXXX they were from a law firm in XXXX XXXX saying they were doing litigation to sue me and garnish my wages anf lien on my property if i dont settle an amount of XXXX original creditor hsbc XXXX XXXX i told them i dont remember having that creditor nor its on my credit report i just want more information on this to see what was purchased i had identity theft back in XXXX .they send me a validation letter with not much information just offering me a settlement of XXXX to be paid by XX/XX/XXXX, im worried this might be a scam they didnt offer me a website or more detils on their law firm just a name law office of XXXX located at XXXX XXXX XXXX XXXX XXXX california XXXX i filed a police report t for identity theft since they have all my personal information how can i protect my self or know if this is legit
|
| 11/06/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
On XX/XX/2020, my brother wired two wire transfers from a bank in XXXX to my HSBC bank in the United States. The first was for $ XXXX which I received in my HSBC XXXX XXXX in the same day, while the second transfer for {$120000.00} has not been deposited in my account as of yet ( XX/XX/2020 ).
After days of communication with my account representative and customer service at HSBC, they notified me on XX/XX/XXXX that the wired funds are in HSBC escrow account pending calcification from XXXX XXXX which I have no account nor any contents. I was provided a case # US XXXX. I called XXXX XXXX wire transfer department they noted that this case # is not theirs and referred me back to HSBC.
It has been almost two weeks and I out of {$120000.00} and neither XXXX XXXX are of any assistance. We contacted the XXXX XXXX and they confirmed that the money is out of XXXX and at this point they have not control.
I appreciate any assistance that you can help me resolve this matter
|
| 05/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with convenience check
|
|
Web |
|
|
Received a " convenience check from HSBC BANK. Wrote the check to myself for {$2300.00} and deposited it in my credit union account at XXXX XXXX XXXX XXXX XXXX WA. state ) on XX/XX/2020. Money appeared in my account. On or about XX/XX/2020 received a letter from XXXX stating that the check was dishonored due to account ( HSBC Account which the check was drawn on ) being " Frozen/blocked ''. Money was taken out of my account in XXXX, the {$2300.00}.
HSBC still says I owe them the {$2300.00} although that money was taken of of my account as the check was dishonored. I have called HSBC on four occasions with no real help in resolving the matter. I have written several letters to HSBC which were sent certified return receipt and have received no response. I keep paying the minimum payment in order to avoid HSBC reporting to credit agencies that I was not paying and thus having an adverse effect on my credit rating.
I am so frustrated with HSBC. This is unconscionable.
|
| 02/12/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
I had a money market account with HSBC.. I closed it on XXXX/XXXX/2016. I only received interest through XXXX. I was owed 9 days interest totalling about {$11.00}, which I know is a very small amount. I still have a checking account & credit card ( both mostly inactive ) at that bank. They could easily credit the interest to those accounts but wo n't. Their customer service department is a nightmare. After marathon waits on hold enduring music which seems designed to be annoying, you speak to a series of exquisitely polite human automatons who keep connecting you to someone else until eventually you either get disconnected or speak to a supervisor who tells you to call back later or says someone will call you back ( they never do ). I 'm tempted to just let them keep the {$11.00} but I do n't want to let them get away with it & I can not handle another session w/the customer service dept. Please make them pay me the interest which they do n't even dispute they owe me.
|
| 12/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I have wrote the check to Landlord ( Rental Office ) for rent. Check was altered before deposit by person and HSBC Bank did not verify before the released fund to other person other than Payee ( Rental Office as Rental office never received the check ). I have personally stop by HSBC Branch at XXXX XX/XX/XXXX XXXX XXXX, NY. XXXX Spoke with XXXX XXXX XXXX XXXX. and she have open the case on XX/XX/XXXX. I have also spoke on XX/XX/XXXX and stop by again on XXXX and spoke with her regarding status of my fund. She told me to wait. I have call again her on XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX she advised me to wait for 120 days. I can't wait. That was not my fault. Bank error and bank did not verified all the information as it was clearly HSBC bank error and check was altered and released the fund to another person account instead of Business account of Management company. Please assist me to get my fund back into my account ASAP so I can use this fund to pay the rents.
|
| 06/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This agency has contacted me several times regarding an unverifiable debt. When I asked for additional information, they could not provide it. They have threatened to have me served with court documents. As such, I told them that I would be happy to appear in Court on this because they would have to prove the validity of this debt. They have called numerous times before and I've responded in the same matter. They still have not served me with any paperwork. This situation is out of control because they contacted my mother ( at work ) and my family member, even though I have spoken with them and tried to arrange a time for them to serve me with paperwork. This isn't the first time they've contacted me but it is the most recent. Even after speaking with them on Thursday, they contacted my mother at work on Friday. This is unacceptable. I would like some assistance in dealing with this collection agency because at this point they are violating my rights as a consumer.
|
| 03/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have an unverified account from HSBC BANK NEVADA. I had previously disputed this account. I have never done business with HSBC BANK NEVADA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HSBC BANK NEVADA provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HSBC BANK NEVADA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 12/07/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
My wife and co-borrower, wrote a check against our home equity line of credit to pay a credit card. HSBC returned the check unpaid and indicated that she was an unauthorized borrower. After calling HSBC customer service twice, they then said that the signatures did not match. I then ask them to provide proof by requesting a copy of the returned check and the signature card but HSBC had the audacity to charge me a fee for this. I can not believe that they want to charge me a fee for their mistake. I have since been charged {$30.00} by HSBC for a returned check fee. My credit card company also charged me {$30.00} for a returned check fee and almost {$15.00} in interest for the period between the due date and the date I paid with another check. It is unacceptable for a bank to be unwilling to provide a copy of your own signature to verify that they have a correct signature on file. I also requested that they mail me new signature cards - which they have failed to do.
|
| 08/07/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
Today XXXX XXXX was attempting to make my monthly payment to my HSBC Platinum Credit Card. Then I get this ridiculous error message : " *You may submit a payment for Today until XXXX MST. '' At the time of my payment it was XXXX EST which would make it XXXX MST plenty of time you 'd think for me to submit payment, right?????? BUT NOOOOOOOOOOO!!!!!!!!!!!! Even though minimum was not due today I make the effort to call HSBC to settle the score. What followed for me was a nightmarish series of questions when even though I had established my ID the indignant HSBC rep proceeded to ask me if I have any other bank accounts ; if I have direct deposit and if so whom it 's from and for how much. ALL THIS BECAUSE THEIR BACKWARDS SYSTEM WOULD NOT ALLOW ME TO MAKE A PAYMENT!!!
This is a tale of horror from an indignant banking institution that needs to understand what good customer service means and not proceed to torture a paying CUSTOMER WHO WANTS TO SETTLE HIS BILLS!!!!!!
|
| 07/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened the HSBC Premier Checking account on XX/XX/2021 via the promotion link similar to this one : XXXX : XXXX XXXX XXXX On the page, they specify that I can " Enjoy 3 % Cash Bonus, up to {$600.00}, on Qualifying Direct Deposits, up to {$100.00} per month, during the first 6 calendar months after account opening ''.
Then I do set up my direct deposit using my salary payroll. From the terms " The 6 calendar months from account opening begins with the first full calendar month after your Premier checking account is opened. ", four full months have passed, each month there are {$5000.00} direct deposit into the checking account, but I got no bonus.
And the customer service told me that I am not enrolled in that promotion, which sounds like a scam. I suspect this may be caused by their identity verification process after my account application is submitted. They might open my account in another way after the verification and my campaign bonus was not tracked.
|
| 02/21/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
Older American |
|
On XXXX XX/XX/2018, I arranged an on-line wire transfer of {$500.00} from my HSBC-XXXX account, to initiate my new HSBC-US account. The US branch deducted their standard {$15.00} wire charge from the deposit, but summed this as {$470.00} - a XXXX discrepancy. In addition, the wire charge has shown up a second time on my online statement. In total, HSBC-US has incorrectly deducted {$25.00} from my account.
I have tried to resolve this with HSBC-US ' customer service phone line 4 times, plus 4 times using their 'bankmail ' service, without success : They just say that the missing {$25.00} " must be '' fees deducted from my transfer amount by the sending XXXX branch ( I have confirmed with the XXXX customer service that this is not so ). I have, at least 3 times, offered to send copies of the paper outgoing and incoming Wire Transfer Advices, which clearly show that the discrepancy is within the US branch. But they don't seem to have any interest in seeing these.
|
| 06/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
My initial complaint to HSBC started way back at the beginning of XX/XX/2023. I basically simply tried to submit XXXX bank to back transfers via HSBC 's website and the payments went missing/ were rejected. I contacted all the various emails and phone # 's that were detailed. No one had a clue at HSBC about what happened to my payments. HSBC Premier Team never responded, HSBC Customer Service rep promised to call me back... still waiting for the call. Since then, it's all been a complete cover-up by HSBC as to their own " internal investigation '' about what happened. We are almost into XXXX and this has still not been settled to my satisfaction. It's been a very distressing experience for me and I am also a HSBC Premier customer. I dread to think how they treat a regular customer. I've been thrown from pillar to post, even XXXX promised getting back to me at various specific times and that was unfortunately a classic case of over-promising and under-delivering.
|
| 05/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I attempted to transfer all my money out of HSBC early this year following their plan to cease personal banking business in the US. My account got suspended when I tried to transfer the money to my account at another bank for no reason. After repeatedly calling HSBC for resolution, someone from Fraud department instructed me to email them an empty check or a statement to verify my ownership of my account at another bank. I sent them the required information promptly in XXXX. It has been over 2 months and it has been radio silence on the XXXX side and my money remains frozen for no reason. XXXX 's conduct has caused unnecessary financial distress for me and my family. The fact that XXXX made no attempt to communicate, provide notice, or provide any update on the issue is stunning. This level of customer treatment is a such violation to a whole host of CFPB consumer protection rules and UDAAP. I also wonder if such a treatment is as a result of my race and origin.
|
| 08/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
The debtor filed bankruptcy in 2013 of the debt. The debt was later filed as a lien against me from XXXX XXXX XXXX, XXXX in XXXX County Court, Docket # XXXX. The debt was Discharged in Bankruptcy earlier yet XXXX WILL NOT properly communicate, address and release the lean. In contacting the company on XXXX, and XX/XX/XXXX, the department I am told that should address the issue has a phone number that leads to a machine where a message can not be left. They will not transfer me to anyone that can help, but state simply I must talk to the Bankruptcy department which is perpetually unreachable due to the phone number they transfer me to. Spoke to a supervisor on XX/XX/XXXX who encountered the same issue, but was unable to transfer the call to ANYONE who could help, but simply said they would send an email. So I'm to just sit here and wait?? I am in the process of trying to purchase a home and this has become a roadblock that I can not resolve. Please help me today!
|
| 09/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
HSBC Bank USA Credit Card Holders Beware I took too long to activate the HSBC credit card and it was placed on a security hold. The problem is that I can't reach the security team to clear up the issue. I requested customer service to cancel my account since the card has never been used, but that also has to go through the " security team. '' I'm placed on hold for 55 minutes, at which point the on hold music goes off and the line is silent. I've continued to hold for 1 hour 45 minutes with dead air before hanging up. I've been trying to reach them on hold every day for over a week, so this is not an isolated event like phone line problems.
This is unacceptable. I have an open line of credit that I can't use or cancel. What if my card gets stolen or used fraudulently? How can I cancel it or report it to the " security team '' that is apparently non-existent? Hopefully I can cancel the card, but I'll never get back the hours of my life STILL ON HOLD right now.
|
| 10/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
We have filed this complaint over and over and once again our request for proof of the debt and requested information i.e. communications from them to us has not been provided. We requested a copy of any correspondence including audio recordings given to us so we can forward to our attorney and to the Attorney General. We will vigorously continue to fight this type of predatory lending where an agreed upon amount is established in court between the consumer and the attorney and then after the consumer has paid off the amount they are told oh no that was not the correct amount. We have the documentation and have sent it to the Attorney General 's office. This is predatory lending at the highest.Attached is a new judgement brought against us without notification from them that they were filing and the attorney who has contacted us. This is the only way we have been notified of any court proceedings after filing. And they still have not provided the documentation.
|
| 04/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
HSBC Bank account # XXXX was opened XXXX XXXX, was paid late XXXX, XXXX, XXXX and XXXX of XXXX.
HSBC Bank reported to XXXX on XXXX XXXX, XXXX that account would be deleted XXXX XXXX, that the account was only late between XXXX of XXXX and XXXX XXXX.
That the current status was '' Foreclosure started '' as of XXXX XXXX.
As of XXXX XXXX, XXXX, the account is still reported to Experian with the early late payment history DELETED.
Effectively re-aging the account to report after the state of limitations. A violation of Fair Credit Reporting Act.
The date of first delinquency is misreported and inaccurate.
The payments marked OK 's or Paid on time for XXXX, XXXX, XXXX, XXXX of XXXX are all inaccurately reported.
No payments were made on time in XXXX. A payment history was request from HSBC Bank over 6 months ago, with no response.
Then in a XXXX XXXX, XXXX XXXX report, HSBC Bank reported account # XXXX is not deleted, as previous stated on the XXXX Reports.
|
| 04/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
MY MORTGAGE COMPANY HAS BEEN REPORTING MY ACCOUNT TO THE CREDIT BUREAU XXXX FOR MANY YEARS. BETWEEN THE DATES OF XXXX XXXX AND XXXX XXXX OF THIS YEAR, THE ACCOUNT DISAPPEARED FROM THE XXXX REPORT. THIS ERROR IN REMOVAL OF MY ACCOUNT HAS CAUSED MY SCORE TO DROP DRASTICALLY. I CONTACTED THEM AND WAS TOLD THAT IT WAS BEING REPORTED EVERY MONTH. I CONTACTED THE CREDIT BUREAU AND THEY STATE THAT THE ACCOUNT DOES NOT EXIST. I HAVE WRITTEN DISPUTE LETTERS TO XXXX AND THE ACCOUNT IS STILL NOT APPEARING ON MY REPORT. IT IS AN ABSOLUTE ERROR! THIS IS AFFECTING MY CREDIT HEALTH. THE CREDIT BUREAU IS STATING IT IS THE MORTGAGE COMPANY 'S ISSUE. MORTGAGE COMPANY STATES THEY ARE REPORTING CORRECTLY. I HAVE PRESSING BUSINESS MATTERS TO HANDLE AND CA N'T AS LONG AS IT STANDS AS IT IS. ACCOUNT WAS OPENED IN 2004 - THE EFFECT OF THIS ACCOUNT DISAPPEARING FROM THE BUREAU, SHOWS I HAVE LESS OF A CREDIT HISTORY THEN I ACTUALLY HAVE. NO WHERE ELSE TO TURN. DISPUTES ARE NOT WORKING.
|
| 01/08/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
We are in the process of completing a mortgage closing and approval when a problem arose. we applying for a XXXX XXXX loan which require-sour credit history with our past HSBC mortgage company. We Completed short sale in XXXX 2015 with all the approval and requirements set forth by HSBC.We have pleaded, asked as politely as possible and begged for HSBC to report the trade line and show the short sale as required to get loan approval by XXXX XXXX I believe.
We tried for close to a year or more submitted paper work to HSBC to hardship department. We where seeking a fixed and lower rates to stop the continued elevation of the already too high 9 % as compared to rates at the time. HSBC dragged their feet and never provided an acceptable solution.
WE NOW HAVE AN OPPORTUNITY TO RESOLVE OUR ISSUES AND HSBC PROVIDES NO HELP.
HSBC is the worst company I have ever worked with .HSBC s not customer friendly. HSBC does not believe in the american dream of owning a home
|
| 12/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American, Servicemember |
|
A XXXX XXXX XXXX called me and said I owed {$930.00} on a XXXX XXXX account that was never paid from XXXX ending number was XXXX. I asked that they send me something in writing to my email but never received it. They said they sent it to my email 4 times. I didn't receive it. Then he said XXXX XXXX sold my account to HSBC and wanted me to make a settlement in the amount of {$630.00} then the phone call was somehow disconnected. I then called XXXX XXXX to inquire about all my past accounts with them and they assured me that I have settled and paid all my debts. XXXX XXXX even went back as far as XXXX and said I don't owe them anything. I also asked if they had sold my account would they still be able to see it and they replied yes. They did not show that any of my accounts were sold. The guy from the XXXX company said his name was XXXX XXXX his phone number was XXXX XXXX XXXX. He also said they were going to serve me with XXXX XXXX XXXX on my job. Please help
|
| 07/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Dear Sir/Madam : Last XXXX, HSBC was offering customers welcome bonus ( or sign on bonus ) after opening a new account, and I fulfilled all their requirements. Six months after I opened my advanced checking account, when I contacted them inquiring about the bonus, they tried to find various excuses such as I didn't place an initial deposit of {$10000.00} ( the requirement was actually {$5000.00} which I did fulfill ), I have no direct deposit while I do deposit {$250.00} of my paycheck biweekly for nearly six months already, or even saying my paycheck deposit is not direct deposit etc ..., HSBC bank is trying all its best to refuse to honor the offer, and I can not believe they can cheat customers like this.
By the way, I am not the only who they cheated, when I searched online, there are so many complains about this fraud and they are still advertising the bonus offer now ..., and I am just wondering why there is no regulatory agency to stop this fraud?
|
| 04/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
This complaint is related to the difficulty in obtaining a deferral agreement or modification agreement from XXXX XXXX XXXX XXXX and HSBC. I am in the process of refinancing with a new mortgage lender to avail of a lower rate. Everything was going well until I came across this problem with obtaining this specific document. I have contacted XXXX multiple times since early XX/XX/XXXX. I was told to contact my former Mortgage lender Beneficial ( an entity of HSBC ) who originally issued this deferral. Beneficial sold my account to XXXX in XXXX. I have contacted HSBC in hopes that they will be able to provide me this document, but to no avail. Both lenders denied that they have this document. Meanwhile, this back and forth process with these two companies, XXXX and HSBC, caused my refinance to be put on a halt. As a result, I may lose my chance for a better rate. I am hoping that with your help I will get a much faster response and a positive outcome. Thanks.
|
| 07/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/2021 I entered the HSBC app to close my account # XXXX. I got a reply back saying they closed my account ending in # XXXX and my other account I am co-owner with my retired father. # XXXX. I called HSBC immediately to confirm accoutn ending in # XXXX was not closed and still active.Spoke with someone and they confirmed # XXXX was active. On XX/XX/XXXX, I could not access my account balance for # XXXX. I could still access my account ending in # XXXX. I emailed support to confirm to not close my account ending in # XXXX. On XX/XX/XXXX, HSBC confirmed my account ending in # XXXX was not closed.
On XX/XX/XXXX I checked my HSBC app and account # XXXX was closed. I immediately called HSBC to open a ticket to reverse this error and have not heard back fro them since. I told them my Dad has direct deposits set to credit on XX/XX/2021. My Dad does not have enough time to change or modify these payments I have not heard back from HSBC on account status.
|
| 07/01/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
Fraudulent activity in my HSBC " Select Credit Account '' ending in XXXX. On XX/XX/2020, the perpetrator transferred {$6000.00} from my Select Credit Account to my savings account. On XX/XX/2020 a wire transfer of {$5500.00} from my savings account was sent to XXXX. This is XXXX XXXX XXXX XXXX. I found out about this activity on XX/XX/2020 when I received an account statement in the mail. Previous to this date I did not receive a phone call, text or email from HSBC alerting me to this unauthorized account activity. My Select Credit Account has not been used for 2 years. Actions taken by me are as follows : XXXX ) XX/XX/2020 : Contact the Fraud Department of HSBC 2 ) XX/XX/2020 : Filed a Police Report with the XXXX County Sheriffs Office, XXXX XXXX, Florida 3 ) XX/XX/2020 : Submitted to the Federal Trade Commission Identity Theft Victims Complaint and Affidavit.
4 ) XX/XX/2020 : Contacted XXXX, XXXX, XXXX Credit Bureaus to place a Freeze on my Credit.
|
| 04/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XX/XX/2018 XXXX XXXX Man from HSBC named XXXX XXXX claimed I had and account with HSBC and was threatening litigation for breach of contract, fraud, falsifying legal documents if I did not pay the amount in full. The man had my personal information and SSN. He would not give any information about the account stating that I know I used the credit card and I better pay it. He stated that they had income tax information and employer verification to prove I opened the account.
He began to get rude and nasty and threaten to sue and to make me pay.
Because he would not give any validating information as to what state and account information, I feel this person was lying.
The phone number given is XXXX. They claim to be a litigation group collecting on behalf of HSBC.
I have had multiple entities contacting me trying to get me to pay some erroneous debt. I have had several identity theft situations which makes me believe this could be part of it or a scam.
|
| 06/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX, XXXX " Step Forward Michigan '' paid my back taxes through a program created by the state. The mortgage company Beneficial Mortgage ( HSBC ) agreed to include my taxes and insurance in an escrow account. The amount included Principal {$390.00}, Interest {$220.00}, Escrow {$750.00}, to be paid each month at 2 % interest until the year XXXX. The total monthly payment {$1300.00}. During XXXX ( HSBC ) sold my mortgage to XXXX XXXX and on XXXX XXXX my payment increased to {$1600.00}. I was informed that ( HSBC ) did not pay the taxes and a balance of {$6600.00} was owed for taxes. I was also informed that there was an outstanding balance for home owners insurance. ( see attached documents ). I was also unaware that ( HSBC ) charged me {$4100.00} for property insurance in XXXX. The XXXX from XXXX XXXX showed that interest was paid but left blank taxes for the year XXXX. Therefore I was unable to claim a deduction for the year XXXX on my tax returns.
|
| 10/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
To Whom It May Concern, I am writing to express my dissatisfaction and concern regarding the unexpected suspension of my account with HSBC USA on XX/XX/2023. I was not provided with any specific reason for this action, and to the best of my knowledge, I have not engaged in any activities that violate the bank 's policies or terms of service.
The error code provided to me is XXXX. Without any clarity on this code or the reason behind the suspension, I am left in the dark and deeply concerned about the status of my account and the funds within it. I kindly request an immediate review of this matter and a detailed explanation of the reasons behind the suspension.
I understand the importance of security and compliance, but I believe that transparency and communication are equally essential. I hope to have this issue resolved promptly and expect the bank to rectify the situation without further delay.
Thank you for your prompt attention to this matter.
|
| 01/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I chatted with HSBC on XX/XX/XXXX around XXXX GMT, asking them to close my account and refund the remaining {$1.00} in the account via check. The agent on chat agreed to do this, and the chat ended.
On XX/XX/XXXX, I realised I still had not received my check for the balance and logged in to see what the deal was. My account showed as still open, and had a {$15.00} " account maintenance fee '' charged against it, putting me in a - {$14.00} balance. I chatted with another HSBC rep on XX/XX/XXXX at XXXX GMT telling them to fix the negative balance, close my account, and refund the {$1.00} that was supposed to be left in there.
The rep assured me they would and it would all be completed in 7-10 days. I logged back in on XX/XX/XXXX around XXXX EST, and found the account STILL open, with a negative balance.
I have had it with HSBC. They are not abiding by my wishes to close my account, charging me invalid fees, and holding my remaining money hostage.
|
| 05/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
This is continuation of the complaint filed under the number XXXX. The bank 's response is incorrect. You are referring to the terms of online account which was not the terms offered to me. I opened an account in the XXXX XXXX as per terms provided by the XXXX XXXX. Also my bonus amount is incorrectly mentioned as {$450.00}. I have been promised {$600.00} as the terms are for opening an account in HSBC branch in XXXX. I have provided all the necessary attachments with emails and correspondences from the HSBC branch manager and the terms of offer in the above mentioned complaint. Request the educated employees of HSBC to please read take some effort to read the complaint and attachments sent before responding. I do not need to know what all offers HSBC had in promotion during a certain period for all customers. I want HSBC to honor the terms offered to me for which I have provided all the necessary emails and attachments from HSBC XXXX Branch manager.
|
| 11/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
The company identified itself to me as XXXX XXXX XXXX from the number XXXX. They actually contacted my sister in law on her cell phone to message me. When I called the number above they left, a representative, XXXX XXXX, verified my social security number. She offered this number, it was not supplied by me. She claimed to be collecting a debt owned to HSBC Mastercard of {$2000.00} approximately incurred in XXXX of XXXX. When I requested information in writing she became aggressive and said if that was my social that I could not dispute the owed amount and would have to wait for my soupena to court and the charges would increase to {$8000.00} or more. XXXX also indicated that HSBC had closed the account, written off the monies due and deleted the file and would not be able to respond to inquiries regarding my account.
I contacted them at XXXX re : file # XXXX today XX/XX/XXXX at XXXX. I have never held credit with HSBC or any other Mastercard bank.
|
| 03/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I started receiving threatening phone calls stating that I owe {$1300.00} from a credit card in my former name. This went back to 2011 apparently. I asked if they could send me information regarding this said credit card as well as signature information and with the original that was with. They told me They did not have that information that they were just a mediator. I told him I was not going to be paying anything without some sort of validation on their end. I then went on to look at my credit report and son nothing of this said credit card of HSBC. They said they didnt put it on my credit report because it would hurt me from a good credit report. I played along with them to see how far it would go and then they wanted to settle for {$610.00}. Unless I have solid information regarding said that from original collection I will not be paying anything they need to leave me alone and stop harassing me. The company was legal one mediation from Georgia
|
| 01/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To who it may concern, This man called me today, sounded very serious and knew all my information, saying that my HSBC account that was closed for no use has XXXX XXXXXXXX XXXX that I owed and now the bank sold my account to a dept collecting agency that is calling to clear my name. I was nervous specially because I just got rejected from applying for a new XXXX credit card. They had detailed information about when the last time I used my card was and I was in the middle of the work and they were not giving me information about where this XXXX XXXXXXXX XXXX were coming from so I hung up. They had my email so they emailed me, I am scared they will use my information incorrectly, I am not even sure if I gave my last 4 digits or not. After talking to HSBC they confirmed that that was fraud. I am terrified and I don't know what to do. HSBC staff told me to contact you and share their emails, phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened my account on XX/XX/2021 via this link : https : XXXX Headline was : HSBC XXXX 2 % Cash Back Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage.
Terms was : You will automatically receive the 2 % cash back in your new HSBC XXXX checking account approximately eight weeks after completing that months qualifying activities.
I have contacted support and opened a support ticket. Today ( XXXX ) the customer service rep said that I did not open the account with the offer attached, but I have only ever hit the signup page through there. I would never have considered opening the account without the offer.
The offer has been pulled, but I can show a screenshot of my web history on the account open date that shows that I landed and progressed from the bonus offer landing site ( attached ).
I have made $ XXXX in direct deposits monthly since opening then.
|
| 01/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX, I opened an HSBC Advance Checking account with a welcome bonus offer of {$220.00} through a promotional link on HSBC 's website.
Unfortunately, after meeting the terms of the offer by completing the direct deposit requirements, I did not receive the {$220.00} deposit bonus. I called HSBC customer service in XX/XX/XXXX to inquire about the missing bonus, after a 90 day waiting period. The customer service representative informed me that I was not entitled to the welcome bonus offer because they could not confirm that the offer was applied to my account.
To resolve the problem, I would appreciate the {$220.00} bonus to be applied to my account. I fulfilled the terms of the new account offer, and HSBC should also fulfill their end of the agreement. Enclosed are copies of my records including a screenshot of the offer I received on HSBC 's website when opening my account.
I look forward to your reply and a resolution to my problem.
|
| 12/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I applied for an HSBC Choice Checking Account after visiting their website and being offered a {$200.00} account promotion. I have screenshots and saved emails showing the terms of the promotion, which state : " Open new HSBC Choice checking account by XX/XX/2018 ; and Deposit a minimum qualifying balance of {$1500.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening ; and Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance.
I met all terms and conditions more than 2 months ago on XX/XX/2018, but they still haven't paid the bonus. The official terms state " You will receive the {$200.00} welcome deposit in your new HSBC Choice Checking account approximately 8 weeks after completing qualifying activities. '' Well, more than 8 weeks have passed and they continue wasting my time instead of honoring the contractual agreement.
|
| 10/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I received a phone call from XXXX - Contingent Account Resolution - Mediation Services today on Wednesday, XX/XX/XXXX. " XXXX '' stated she was calling about a debt that went into collections in XXXX for an account with HSBC, with a balance of {$1600.00}, and they will do settlement for {$990.00}. Also that they have sent notices to me.
She said that HSBC has filed a civil suit against me and that I have a choice to either resolve or dispute, that I have to make up my mind " now ''. She said I have to get a lawyer to dispute, and that HSBC will put a new collections on my credit card ( which I don't have ) and a possible lien on me.
This is crazy! She said it would do me no good to contact HSBC to find out what they are talking about, that they are processing against me.
I have not had a HSBC account since before XXXX XXXX took over their accounts back in XXXX or something like that.
Plus, they new my name, address and social security number.
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| 09/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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This debt was resolved years ago. I have confirmation on my credit reports and from the original collector this has all been taken care of. I 've been since contacted by two companies about this debt that no longer exists, the latest being " XXXX XXXX XXXX '' The voicemail I was left ( attached ) threatens to contact my employer, garnishing wages and freezing assets. They 're also threatening to sue.
The representative I talked to when calling in refused to provide me their name and a suitable address.
The number they called me from was XXXX and the email address the provided was XXXXXXXXXXXX I 've attached the original agreement that I paid and got confirmation along with snapshots of my credit reports. See below for the original confirmation email and transaction ID : XXXX XXXX, Per your request, your confirmation number for your payment made today ( XXXX XXXX, 2014 ) in the amount of {$800.00}.
Transaction ID : XXXX XXXX XXXX XXXX XXXX.
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| 07/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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In XXXX of XXXX, I was unemployed because of XXXX. I made an agreement with HSBC to pay {$50.00} per month. I have been paying {$100.00} per month - more than the agreed upon amount and more than the minimum ever since.
I received a letter stating THE HARDSHIP ON YOUR ACCOUNT THAT BEGAN " XX/XX/XXXX '' HAS EXPIRED. AS A RESULT, YOUR ACCOUNT WILL BE REMOVED FROM THE PROGRAM GOING FORWARD. Firstly : the Hardship began in XXXX not last week. My recent automatic payment was make on XX/XX/XXXX for {$100.00} ( more than the minimum due ). The current amount owed is XXXX. A negative report was sent to my credit report on XX/XX/XXXX : Settlement HSBC BANK It looks like your HSBC BANK account was either settled on XX/XX/XXXX for less than the balance or closed because you haven't used it in a while.
AND- I received an email : HSBC requests your signature on Authorization for Direct Payment by ACH Debit ( HSBC XXXX ) Due by XX/XX/XXXX Review and sign
|
| 11/26/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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Web |
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I currently doing refinance with HSBC. My loan submitted in XXXX and they locked the rate for 90days. My mortgage got approved XXXX and they started to work on the subornation XXXX. In XXXX before the rate expired I have told them to extend the rate, their employee told me the rate has expired and they will extended. My rate was locked at 3 % and on XXXX XXXX I received an email for closing cost that my rate has increase to XXXX. I called HSBC again. My answer was your rate has expired then they will use the new rate. I feel HSBC is misleading their customer and they are cheating me as their customer. Their employee send me an email saying you either have to take it higher rate or pay {$4400.00} For 15days extend. My self is mortgage banker at another lender and I know how the extension works. For. 14 days charge I should n't pay for {$4400.00} or my rate went up since I already lock so what is the point of extension for? I need someone to help
|
| 11/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I reached out to both the creditor ( HSBC ) and XXXX concerning the debt that isn't mines. XXXX was noticed via USPS certified mail with returned receipt on two occasions starting 3 months ago. I'm yet to get a reply in the mail. I have the returned receipts in my possession as evidence dating back to XXXX and XXXX respectably. Today I decided to contacted XXXX, this time by telephone since I'm yet to receive any documents with a plausible explanation or results concerning my dispute. The representative from XXXX claimed they removed the item but it was placed back on my credit report by the creditor ( HSBC ) and moreover, that they could not remove it again and I couldn't dispute the account again. The representative refuse to accept my request to dispute an inaccurate account. After explaining to her I've contacted the creditor. She claimed that it was nothing she could do for me. I'm dumbfounded by the red tape here. I need your assistance.
|
| 08/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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This debt is from XX/XX/XXXX. I paid this long time ago but the creditor and the collection agency said they have no record of it. Regardless of that fact, I was told in XX/XX/XXXX, when I was buying a house that there was a debt. I told them I had no recollection of it and disputed it. 4 months later they sent a copy of the last bill from the creditor. This is not proof I owe it. Statutes of limitations is 4 years for a written contract and 2 years for a verbal. They are well beyond this for collections. Also, they have 30 days to prove I owe this debt after disputing it. They took 4 months to send me an irrelevant copy of a statement. I do not owe this debt. They also had a lien on my credit report that said I owed {$1400.00} but when I went to pay it, they bumped it up to {$1900.00}. I had no choice but to pay it or my house loan would not close. To this day they refuse to send me a satisfaction of judgment or anything that says I paid it.
|
| 03/06/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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Web |
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I opened a HSBC choice checking in XXXX through a sales rep over the phone and was confirmed that I was eligible for a {$350.00} promotion offer for opening the account. 4 months down the line, I even got the rep at HSBC acknowledge that I was guaranteed to get the {$350.00} and that I could store his chat for records. Today, I received an email from HSBC stating that I had a credit card that they closed in XXXX due to non activity. I was informed that because of a credit card that I became ineligible for the bank promotion. This was never informed during account opening and it seems like a bait and switch on the part of HSBC. If it was an issue, why wasnt i informed when I opened the account when I gave my SSN and all other supporting documents to open my bank account. I should have been ineligible at that time as well but on the contrary they even confirmed that I should get my bonus by XX/XX/XXXX. I would like to get my {$350.00} promotion
|
| 04/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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Tried to use an HSBC credit card I had for a while and it would not go through.
A week later I get a letter that says the account would be closed if I did not use the card 3 weeks ago. If I wanted to keep the card, I need to use it 2 weeks before I got the letter in the mail ...
Then they sent me another letter ( enclosed ) that the first letter was a mistake and I could used the card NOW if I wished to keep the card. Again when I used the card it was declined. I called HSBC that weekend and of course they said once again the card was closed.
My contention was both letters were mail fraud and a backwards paper trail of why they closed my account TO MAKE IT SEAM LIKE THEY DID NOT CLOSE IT ALREADY.
They are just trying to close accounts ahead of the Corona-19 problem which I understand but by sending letters too late and playing games which I assume is against banking laws. Enclosed is the second letter acknowledging the first letter.
|
| 11/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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HSBC Bank, USA is granting loans based on US citizenship, which, in my opinion, appears to be a violation of ECOA.
About two months ago, I was denied a credit card, though I have good credit, because I am not a US citizen.
Last week, I received a pre-approval letter to apply for a personal loan.
The application again indicates, unquestionably, that only US citizens are eligible to put in applications for loans.
I could not complete the application beyond the citizenship question.
So this morning I called to draw their attention to the fact that, under ECOA, one could not deny. a loan to anybody because of their national origin.
After putting me on hold to enable the customer service representative confer with her superior, she stated to me in no uncertain terms that I have to re-apply after I become a US citizen even though I drew their attention to the fact that it is forbidden to deny credit to anyone based on their national origin.
|
| 12/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
Servicemember |
|
The following describes phone payments I made. I paid {$100.00} XX/XX/XXXX toward XXXX bill. I paid {$100.00} XX/XX/XXXX toward XXXX bill and then paid {$100.00} XX/XX/XXXX toward XXXX bill. Paid {$100.00} XX/XX/XXXX toward XXXX bill. When I got my XXXX bill in the mail it had late payment fee of {$17.00} because apparently I paid XXXX payment too early which was apparently applied to XXXX ( as a 2nd pmt ) and then paid XXXX payment ( pd XX/XX/XXXX ) which was applied to XXXX but considered late. I called the company to ask why and they said I had not made a payment during the billing cycle. I told them their system didn't ask anything about how to apply the payment or to which cycle so I wasn't given an option. They chose to apply it that way and then charged me a fee. They should have asked which billing cycle to apply the payment. Had I known how they were going to apply the payment, I would have made a different choice on when to pay.
|
| 12/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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|
Web |
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Hello folks.
1. I opened an account with HSBC online. XXXX XXXX XXXX XXXX ) XXXX. Bank asked me to submit Form SSA-89 XXXX XXXX XXXX XXXX XXXX XXXX. Activated the account and got an ATM card. ( XXXX XXXX XXXX ) 3. Deposited a check from my old personal at the other bank account to my new HSBC account. XXXX XXXX XXXX XXXX XXXX 4. On XXXX XXXX I saw that the XXXX has already posted the check.
5. When I tried to check login to my HSBC account on XXXX XXXX I noticed that the account is suspended XXXX XXXX XXXX XXXX XXXX XXXX Called HSBC, they said I have to wait 6 days before they lift the block on account spent about 45 minutes between a " Fraud '' department and " Customer Service ''.
6. A significant amount in now stuck in some " clearing process '' and on top of that my account is suspended. I can not use any HSBC banking services ( for example, I can't deposit any cash at an ATM and use the debit card ). Does this make any sense?
|
| 05/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Older American |
|
I received a threatening voice mail from an XXXX XXXX stating that she was from HSBC at XXXX . She threatened me with the following statements : That they will find my employment, freeze my assets, and that my " personal finances will be interrupted '' in 72 hours if I did not contact them. When I called her back, she became extremely argumentative and when I asked for her supervisor, she refused to transfer my call. She hung up on me. I called her back and when I asked the lady who answered for a supervisor, she indicated that she was one. When I told her I wanted to know why they had threatened me, she became evasive. I asked her for her supervisor and she hung up on me. All in all, I tried 4 calls to find out why they were calling me, or if the call might have been for my mother. These people were rude, threatening, and should be stopped from making threats. I have attached the voicemail recording for your information and review.
|
| 09/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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|
Web |
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I tried to open a bank account with HSBC a few months ago ( XX/XX/2022 ). Due to the fact that I missed a few calls where HSBC asked for additional documents, HSBC decided to close my account and to deactivate my online banking. At this point I had already transferred USD XXXX to the account.
HSBC communicated the closure to me a few weeks after the account opening ( end of XXXX ). Since this time ( 3-4 months ago ) I am trying to get my money back. I have not received any communication from HSBC that would talk about how to get my money back or that HSBC is working on it. I received a check for USD XXXX mid XXXX ( it wasnt communicated what this was for but I assume this was interest ).
Since XXXX, I have contacted the HSBC customer service team many times, last time about 4-5 weeks ago. The only communication I received from them is that they cant help me as another team is responsible. This team would not take any customer calls.
|
| 04/15/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
Set up an online savings account with HSBC USA with a XXXX, NY XXXX XXXX XXXX XXXX ) in XXXX of XXXX. Mailed in a check of {$6000.00} to start my account. Made an ATM withdrawl of {$100.00} in XXXX of XXXX. That was the only transaction that I have made. I was notified in late XXXX by mail that HSBC was selling its savings section to XXXX XXXX. On XX/XX/XXXX I received a paper final statement of only {$50.00} that was transferred to XXXX. Also received from XXXX its first statement ending XX/XX/XXXX of a balance of {$50.00}. That was when I realized a large portion of my account was missing. After numerous calls with HSBS customer service call center, I was told that on XX/XX/XXXX, there was a wire transfer of {$5900.00} made to XXXX. I did not make any such transfer and I would like to know who authorized that transfer, and why HSBC never bother to contact me about that. HSBC has my hone address, Email address and phone number on file.
|
| 09/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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This is the third time I am sending a complaint about phone calls I have been receiving for almost 2 years. It is from an organization that will not tell me their name, but tell me I have a debt with HSBC dating back to 2008.
I have received letters from HSBC stating this debt to be false, yet they still are calling. At XXXX XXXX EST today, someone called me from the number of XXXX XXXX XXXX attempting to collect this debt again. When I told them to take me off their list, the person on the other end said, " I can't ''. When I proceeded to tell them about the documentation I have proving them wrong, they hung up. I called back and they wouldn't pick up. I am tired of these phone calls. I want them to stop. I have been sending these messages to the XXXX and it still does not help. I want them to be over with. Please stop them from calling. I am a man who suffers from XXXX XXXX and the stress these phone calls cause affect me greatly.
|
| 10/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
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I opened a XXXX XXXX HSBC account online on XX/XX/2018 and placed $ XXXX in it. Recently, I received a strange email from HSBC saying I needed to contact them, it was at that time I noticed my account was locked and I have no access whatsoever to the account. Several days of calling, emailing, live chatting and I've gotten nowhere. If someone is reached they say they can't help me and I go back into a phone queue waiting for someone from the fraud department. I've now put in 5 hours on the phone ( more than 95 % of that time was / is on hold ) and I have no indication of getting closer to resolving the issue.
My guess is that HSBC is going to use whatever trick they can to not honor their {$200.00} new account bonus promotion that was due to pay out on or around XX/XX/2018, so they went with this fraud excuse less than 10 days before the promotion payout. I guess HSBC is going to make me earn this promotion by sheer waste of my time.
|
| 04/24/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have a savings account with HSBC bank that is now in dormancy because there was no activity on it for a period of time. The account has funds in it which I would like to access. I 've called HSBC three times over the last month to have them send me a form to release the account from dormancy status so I can access it. I live in a state where there are no HSBC branches, so I ca n't easily get access to the form. I also sent HSBC a notarized letter asking them to release the account from dormancy. To date nothing has been done. HBSC has been unresponsive when I ' ve called, telling me I just need to wait for the form in the mail. When I called on XXXX , I spoke with someone named XXXX . The second time I called on XXXX , I spoke with someone named XXXX . The third time I calle d ( on XXXX ) I spoke with someone named XXXX . They have refused to email me the form, or send it to me via expedited shipping where it can be tracked.
|
| 03/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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Original ( vehicle XXXX loan was with HSBC in XXXX. In XX/XX/XXXX the loan was satisfied with the last statement in possession with HSBC. HSBC was contacted recently for a lien release, which was never received, who then directed the attention for the lien satisfaction to XXXX XXXX. HSBC stated XXXX XXXX adopted the loan account and would be responsible for the lien satisfaction statement. XXXX XXXX title dept was contacted with all details, a fax request was sent per XXXX XXXX request. A telephone call was made today XX/XX/XXXX, by me, for a follow up of the fax request. XXXX XXXX XXXX XXXX XXXX XXXX is now claiming they don't have access to the account information, therefore are unable to provide the lien satisfaction. The loan was for a motorcycle which has been recently sold. New buyer needs this for title purposes. XXXX reflects the lien as still " XXXX ''. A lien satisfaction was never received by either HSBC or XXXX XXXX.
|
| 06/01/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I initiated a bank to bank transfer of {$1000.00} dollars. Both banks in XXXX and linked and verified. When I transferred from XXXX to HSBC, the transfer is instant. I initiated a transfer on the XXXX from HSBC to my chase account. While it was very surprising that the funds will be available to me XX/XX/XXXX ( 5 days! ) ... the funds are not available and the transaction is still pending while the funds were taken from my account instantly. I rely on this money to pay bills and a simple transfer 6 days already in transit while I don't have the funds is simply unacceptable. I have bills due today and funds are somewhere ... ..feel nervous and cheated. I need HSBC to be liable for my late fees and interest while they simply illegally holding my funds. ( I check deposit would be instant as well ). At this days and time ... I find is to be illegal and unacceptable length of time. I'm starting to be nervous that they will steal my money.
|
| 05/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
HSBC Beneficial is the owner of my mortgage. I am currently not up to date with my monthly payments. For the last three months I have paid per the agreement made with them to catch the payments up, yet every month I am being charged {$25.00}. for what they describe as a `` drive by '' to see if I am still occupying the property. `` DRIVE BY '' words used by XXXX XXXX! they know I am still in the home and has not abandoned it from conversations I have had with them! Why are they allowed to get away with this, this is wrong! They have been profiled as a predatory lender. My interest rate is 7.74 ( fixed ), I have been paying on this loan for 20 years, it was over appraised when I got the loan, and they knew it. The balance is XXXX.
I know that I have a decision to make concerning this property, and I am at a turning point to let them have it. As Consumers we need to be aware who the predators are in this industry, and there are MANY!
|
| 06/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened the HSBC checking account with the promotional offer ( offer attached ). After fulfill all the requirements, I still don't receive the promotional XXXX dollars bonus. So I reached out to HSBC, they had asked me to wait for another 2-3 weeks, then I reached out to them again, they said they need to have marketing team to research for another 2 weeks. And today I reached out to them again, they told me i am qualified for the offer, because they claimed that I didn't apply through the promotional landing page.
When I applied the HSBC checking account, I did save copies of the offer, and all the communications I had when inquiry on the offer details. Throughout the whole time since opening this account ( for more than 6 months now ), no one tell me I don't have this offer to my account.
This is a very deceptive practice, should require CFPB to inquiry their practice and ensuring that they do not do this to trick customers.
|
| 02/26/2020 |
No |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
In XXXX on XX/XX/2019, I opened an HSBC XXXX account with a {$10000.00} deposit. I was encouraged to do this by a promotion sent to my mailbox. The promotion said that would receive a Welcome Deposit of {$350.00} if the balance stayed at {$10000.00} for 3 months. The banker, XXXX XXXX XXXX, assured me I qualified and showed me the approval on his screen. He assured me several times in the following months that the bonus was on the way.
More than 4 months la
ter, HSBC is refusing to pay the Welcome Deposit and my banker has been less inclined to explain or return my calls. In my research on the bank, I discovered that this XXXX branch of HSBC has a history of non-payment of bonuses. The XXXX reviews include 10 1-star reviews of this branch, putting the reviews at a 1.5-star average. Many of these customers warn people that the branch doesn't honor it's bonuses and hides behind bureaucracy to keep from fulfilling its responsibility.
|
| 08/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Received a call today to my personal cell phone for a credit card that they claim my husband XXXX took out. The representative that called me from XXXX Legal Proceedings states that they were in the process of filing a civil lawsuit against my husband within 48 hours. I asked what the proceeds were for and they advised that due to Third Party disclosure, they were unable to tell me what the debt was for. I told them that they had already disclosed that they were in the process of court proceedings which is disclosing information to an unidentified third party. I then told the lady that I was XXXX 's wife and she then proceeded to tell me she was filing a lawsuit for a XXXX credit card that was last paid on XX/XX/2013. I told her that if her information was true, them we are far past the statue of limitations to file any sort of judgment. She told me that they are going to file the judgment in 48 hours and she disconnected the call.
|
| 09/25/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Older American |
|
A person named XXXX XXXX called XXXX XXXX, XXXX at XXXX PST and left a voice message that he was representing a company named Legal Claim Services with the County of XXXX regarding a judgement that is in process filed by XXXX XXXX XXXX XXXX He mentioned he would be dropping off legal documentation next Thursday, XX/XX/XXXX and that I needed to call XXXX XXXX at XXXX. I called her and she said my wife, XXXX owed {$12000.00} to XXXX XXXX XXXX Master Card that defaulted in XXXX and that the company had filed a judgement within the 3 year period allowed. When I asked her for specific debt information she told me XXXX and hung up. I called back and she hung up again. I called a third time and she said if I was not interested in making a payment arrangement she had nothing more to say. I again asked for creditor information and she said she didn't have to provide specifics and called me a " liar '' and a " cheat '' and hung up again.
|
| 04/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XXXX two wires totaling {$230000.00} were sent to XXXX XXXX XXXX from HSBC ( MY BANK ) a few days later the receivers account at XXXX XXXX was put on hold/freeze. no reason or explanation was ever given to why XXXX XXXX closed the account, they then said HSBC needs to send a " Hold Harmless letter '' I was assigned a customer services manager XXXX XXXX who has NOT helped me and only has e-mailed/called me 1 time in the past 2 months even after 15 calls/ e-mails. HSBC has proof of where the funds originated as I had to provide proof of closing ( I sold my house ) when the funds were deposited in the account and no other funds have been deposited. So I don't understand why HSBC can't help and provide the letter/assistance especially when they know where the funds came from. HSBC asked all communications between XXXX and HSBC be handled in the XXXX XXXX that was done but still HSBC has not/will not help in recalling the funds
|
| 05/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Trying to do a short sale on property located at XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX is in XXXX condition. Valued at XXXX . Bank is asking XXXX based on a appraisal done prior to my short sale submission. When I asked the bank for a copy of their appraisal I was refused. I was told that that was the value and I would have to take their word. They also told me at a later date that even if their appraisal comes in at a value they do not like they have people that have never looked at the property makings fair market value desicion from behind a desk without even looking ant the property. I faxed the banks attorney at at XXXX XXXX XXXX requesting the appraisal and was denied. I believe that they real have no interest in Helping us avoid foreclosure and that they are tolling our account at a high interest rate 8 % .so they can as the servicer use my home as a cash register for their benefit.
|
| 06/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
Was called in early XXXX, told I had 2 ( two ) hours to pay {$590.00} or legal action would be taken against me. Could not come up with that amount, no payment arrangements offered. The Rep I spoke with, XXXX was rude and threatening. Week later HSBC called again, said I has to pay in full {$530.00} to settle this debt but could not get info on when and how this was my debt. Claimed owed since 2012. Never got mail notification, checked my credit report and NO old credit card debt showing as in collection or charged off. Also received a " recorded '' call from a male who said I was now officially " served ''. My sister advised me to cancel my debit card and file a complaint as she believes this is a fraud. This HSBC has already taken close to {$900.00} from my account since XXXX of this year ... am completely puzzled and frankly tired of being threatened and harrassed ... Any help would be so very, very appreciated. Thank you ...
|
| 09/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Received numerous voicemails and they are making numerous calls to different people within my company. The last call they said they are with the XXXX XXXX XXXX 's office and it's urgent they speak to me. I called back and they are not with the clerk 's office the lady said the company is XXXX or XXXX XXXX XXXX. She also told me my wages will be garnished and asked if my employer had told about the garnishment. I told her no and that I know they can't garnish my wages without a court order so send me the court date. I asked why they are saying they are with the XXXX XXXX XXXX 's office when they are not and she said that is someone else who is trying to serve me that made the call.
I then called the XXXX XXXX XXXX 's office and there is not record of an impending court case or date and there is nobody serving for me a court date as nothing has been filed in the court.
Phone # XXXX that they have called me from are XXXX, XXXX
|
| 12/25/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened and funded an HSBC Advance Checking Account around XXXX/XXXX/XXXX by telephone using a referral code, XXXX, from a friend, XXXX XXXX. HSBC has a promotion that is supposed to issue me a credit of {$100.00} for opening an Advance Checking Account using a referral code within XXXX weeks of fully funding the account. See offer attached. I have called many, at least 3, times over the last 3 months trying to get my bonus. But continually I have been told that HSBC has to look into my situation more. I was finally able to get a nice customer service rep, Tin, last week who seemed to be helping but in the end she said that the " back office '' was reviewing my account and a decision would be made by the end of XX/XX/XXXX.
This is totally unacceptable. I have spent hours talking to the bank to get my deserved bonus. I have done everything required to deserve my reward and now I want the bank to live up its obligation to me.
|
| 10/23/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
In XXXX I opened an account with HSBC. After they told me that everything was OK, I transfer all my savings.
After 2 months they closed my account without telling me anything.
I called them to have an answer. They told me that they closed the account because I did not reply an email of XXXX asking for personal information.
THE THING IS I DID reply that email. Even I sent to the bank all the emails and it replied telling me that they received the information.
THEY CLOSED MY ACCOUNT BECAUSE I DID NOT REPLY AN EMAIL ASKING FOR INFORMATION. BUT THAT IT IS NOT TRUE. I REPLIED THE EMAIL AND SOMEONE DID NOT ENTER THE INFORMATION INTO DE SYSTEM.
SOMEONE MADE A MISTAKE. EVEN THEY TOLD ME THAT BY PHONE.
I had XXXX USD. They closed my account and sent me the money by check to XXXX. Local regulations do not accept checks.
The Bank lies. It says I never replied but I did reply and they replied me back that everything was ok.
|
| 02/02/2017 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
RE : Case XXXX XXXX I paid for a website to be developed on XXXX/XXXX/XXXX. By XXXX/XXXX/XXXX, the work was not done and I requested a refund [ per their 100 % money back guarantee ]. Although I requested for the site to be closed, the company insisted on working on it. I 've attempted to cancel many times, and they still have not refunded my money. I realized that no matter how many times I 've requested, the company would not refund me my money. I contacted the bank on XXXX/XXXX/XXXX to reverse/dispute the charge and put the money back to my account. then the bank to receive my money, and I have not been successful. The company is clearly a fraud and scam. I sent back the dispute forms on XXXX/XXXX/XXXX and the bank claimed that they did not received them so I resent the documents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I went into my bank to inquire as to the case status and I have not heard or received my money back as yet.
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I originally had a loan for my purchase of my XXXX XXXX XXXX from a different finance company which eventually was changed over to Beneficial. Beneficial closed down here in XXXX my car had been repoed twice. I originally got it in XXXX the summer of possibly XXXX. I put {$2000.00} down. It was a {$10000.00} and some vehicle. A payment made to Beneficial was never documented on their records which I do have a record of. However, I have to go back to my records and find I have a receipt from them but it was not on their printout and maybe that is why they thought I was behind. Anyway, how do I owe {$10000.00} when originally the loan was for a {$10000.00} vehicle and I had been paying since XXXX it was picked up I believe XX/XX/XXXX or XXXX? I asked XXXX XXXX to look into and get original records they just told me they verified the information and it was accurate. Yeah if you are ripping off people it is.
Thank you XXXX XXXX
|
| 03/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Dear Sir/Madam, I opened an HSBC Advanced checking account on XX/XX/XXXX because of a bank promotion of sign-up bonus of {$350.00} upon completing all qualifying activities. I completed all the required activities and the bank did not deposit the bonus in my account per the published timelines. After following up for several weeks, I was told that I could not qualify as I had an open Home Line of Credit with them in the past 3 years.
This is not true as I requested to close this account in XX/XX/XXXX during the refinancing of my home and I have paperwork to support it. For some reason, HSBC made an error and it does not shows up as closed in their system until much later. I am getting penalized for bank error as I moved {$10000.00} from an interest bearing account to HSBC checking account with no interest with an expectation of getting the sign-up bonus.
I will appreciate if you could help me resolve this matter.
Thanks,
|
| 07/01/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have had a mortgage with HSBC since XX/XX/XXXX. Although I received a loan modification in XX/XX/XXXX ( approximately ), my ARM has remained current now for several years. I have also been repaying an advance on taxes. Although my statements showed my interest rate of 3.44 % until XXXX XXXX, they increased the rate to 8.44 % XX/XX/XXXX ; which doubled my payments. This increase was immediately followed by the transfer of my loan to a company by the name of XXXX XXXX XXXX. Is there a connection between the unreasonable interest rate jump and the transfer of my loan?
Now I have to work with the new company, XXXX XXXX, to modify. From what I read online, they have a terrible reputation when it comes to modifications and that the process can take years. I am completely stuck with a doubled mortgage payment while my husband is XXXX XXXX. The timing could n't be worse. Feel very betrayed by HSBC for putting me in this position.
|
| 06/11/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
HSBC has been a horrible lender and they have been the center of continual and repeated issues relating to how they treat their customers. I closed all my accounts with them and actually physically went to a branch to ensure all items closed and my home address provided. Instead, they allowed accounts to remain open so they could charge me overdraft and late fees. I think this is horrible way to treat a proactive consumer.
The only open item is for an old credit card with high limit of {$1500.00} and Account # XXXX . I had been paying on-time and monthly via my former checking account. However, since the checking account is closed, they refuse to provide me a monthly invoice so that I can pay. On over six separate occasions, I have requested HSBC submit a monthly invoice so that I can pay down the old credit card but they refuse to send me a bill. In the interim, they continue to report negatively on my credit report.
|
| 04/19/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
On XXXX/XXXX/2016 contacted HSBC Bank to register Credit Card for online access to pay bills. Was advised they could n't do it and to call a different number. I had them transfer me and was advised that the account had been closed and that I was classified as " deceased ''. They told me I had to go into a branch location with ID to verify identity. I went to the HSBC Branch In XXXX, MD @ XXXX XXXX XXXX XXXX, XXXX, MD XXXX. They took photocopies of my ID 's and said that there was nothing they could do at the present time and had to be worked on in house. They said someone at HSBC made an error but gave no time table or additional info regarding resolution. The personal I was dealing with at the bank said, " we are waiting for a copy of the death certificate. '' They did not provide any details as to why I was identified as deceased said I could not pay my bill over the phone or online because it 's currently in collections.
|
| 09/10/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Confusing or missing disclosures
|
|
Web |
Older American |
|
On XX/XX/XXXX, I attempted to use a balance transfer from HSBC using my Master credit card ending in XXXXI had a XXXX balance and transferred {$5000.00}. As I was hitting the prompts the process informed me that is was completed. There was NO disclosure of interest or length of time for the balance transfer. I immediately call HSBC and cancelled the transfer. The Customer service rep. cancelled it telling me it woulkd take two weeks but THE AMOUNT OF THE TRANSFER WOULD NOT APPEAR IN MY ACCOUNT AS A DEBT.. This morning that account shows a debt of {$5200.00}.
I called and spoke to several customer service reps. Conclusion : I must carry that debt on my credit for two weeks. If they can charge my acciount within 24 hours why does it take two weeks to reverse it? I am very angry with them for having an online process without any disclosures.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX cell.
XXXX Land
|
| 03/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
I have an old XXXX XXXX account from Household Finance ( Account # XXXX ). The asset acceptance tactics for recovering date have caused hardship on my family as well as third parties ( relatives living outside my home ). XXXX XXXX has robo called and intimidated my family by telling them if I do not pay the debt I will go to Jail ... .needless to say my elderly mother was terrified for my well being. XXXX XXXX has violated my rights as a consumer and deployed terrorizing tactics to my family and myself. These tactics are listed in the FTC 's XXXX counter compliant charged against XXXX XXXX : 1. repeatedly calling third parties who do not owe a debt ; 2. informing third parties about a debt ; 3. using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt
|
| 10/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On XXXX XXXX XXXX I had my HSBC US Premier checking account approved.
On XXXX XXXX XXXX I had my HSBC US Elite credit card approved. Annual fee {$390.00} was charged immediately after the card is activated.
On XXXX XXXX XXXX my HSBC Premier Relationship Savings account has been approved. I immediately saved {$2000.00} in the account.
I only used my accounts for online shopping payments.
I do not owe money to HSBC.
I do not have transactions to/from anybodies else.
I still have about {$1200.00} saved in HSBC US.
On XX/XX/, all my checking/saving/credit cards are *suspended* abruptly. I telephoned HSBC US for XXXX times, requesting the reason why. But HSBC US never answered my question.
In a forum website, about XXXX persons reported account suspended, and most of them are also HSBC premier customers in XXXX / XXXX. It feels like HSBC US just suspended lots of Premier account in a batch without any consideration.
|
| 07/20/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
attn : CFPB + FDIC Ombudsman Missing international $ wire transaction date XXXX, 2016 sender __me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Bank HSBC HSBC Bank XXXX XXXX Limited Registered Office : HSBC House , XXXX , XXXX XXXX , XXXX , XXXX XXXX Registered Number XXXX Incorporated in XXXX , XXXX XXXX and regulated by the XXXX Financial Services Commission Regulated in the XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wire transaction XXXX, HSBC XXXX -ABA routing XXXX SWIFT code is XXXX XXXX XXXX XXXX # XXXX revised XXXX XXXX ( details amended ) This wire was never received by the recipient. XXXX XXXX XXXX HSBC XXXX is aware, BUT yet unable or unwilling to trace the missing funds My bank official will confirm XXXX XXXX, XXXX Assistant Vice President - Member Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH, XXXX Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX Please call today __XXXX, XXXX, cell XXXX
|
| 12/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I booked tickets with XXXX XXXX XXXX. The airline canceled my flight because of the Covid 19. There were 2 charges for {$220.00} each, total amount XXXX. I disputed the charges. On XX/XX/20 I received a letter from the bank that a credit was issued on my account for {$220.00} x 2. The amount of credit I received on XX/XX/20 was {$220.00} and {$73.00}, not the full amount that the letter indicates. The dispute was ruled not in my favor and the credit card company is asking for the money back. They are asking for the full amount, ( {$220.00} x 2 ), not the amount I received ( {$220.00} and {$73.00} ). They are trying to collect the difference {$140.00} which I do not owe to them. I made at least 4 calls to the credit card company, the agents that I speak with see the issue but the charge is not being removed. One of the agents name is XXXX, id XXXX. I have nothing in writing from the bank that the issue is being addressed.
|
| 09/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We filed a CFPB complaint against HFC for valuation fraud and they responded by telling me that i didnt send the complaint to the right lender. This is just another attempt by HFC to defraud their clients. I want this STOPPED. It is obvious that i sent both CFPB complaints to the same lender -- SEE ATTACHED COMPLAINTS FILED XX/XX/XXXX AND XX/XX/XXXX WITH LENDER INFO CIRCLED IN RED. They responded to the 1st complaint by stating that they do not have to follow CFPB guidelines. They responded to the 2nd complaint by stating i didnt send the complaint to the right company. Both of these are examples of misdirection and fraud. It is obvious HFC has no desire to adhere to any kind of moral guidelines, much less following the laws set forth to protect the consumer. I have attached both of the previous CFPB complaints here. It is obvious they were both sent to the same company - HFC. Why is HFC allowed to continue this FRAUD??
|
| 08/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
I had a credit card with HSBC in XXXX. I had a purchase on the card for {$1200.00} at furniture store in XXXX, WA. I had lost contact with them until XXXX. They started calling stating this debt and began threatening court procedures and possible arrest. I spoke with a gentleman in XXXX an informed him I was on XXXX XXXX from a near fatal car accident. This man stated he could and would write the debt off which was now around {$3000.00}.
I never heard anything until after covid..They have and continue to call my family members. I have reached out a handful of times via phone stating this debt was supposedly wrote off in XXXX and to stop contacting my family members and myself. I have stated I will contact the FTC and file a complaint and After several months of them knowing my physical address and stating they have sent individuals with legal papers to sign and or receive..I have not seen or heard of any such person.
|
| 04/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am being made to fund my monthly escrow more than double the amount what is owed in taxes.
In 2018 I was charged over XXXXUSD per month and at the end of year sent a cheque of XXXX USD.
I requested my mortgage service company and bank for a escrow recalculation and they adjusted my monthly escrow payment by XXXX USD which equates to only XXXX USD a year.
Despite protesting multiple times and sharing the full property tax statements with them which they settled themselves their response has been completely dismissive and they continue to overcharge me for escrow well over what is required.
Broadly the breakdown settlements being made from Escrow are as follows : Property Tax - XXXX USD MUD - XXXX LID - XXXX Insurance - XXXX Total - XXXX USD Whereas the annual collections are more than XXXX USD towards escrow which the bank is refusing to adjust despite having settled the taxes and seen the trend of expenditure.
|
| 10/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/2022, I contacted XXXX XXXX about checking my credit report because I wanted to do some things. XXXX XXXX ran my credit and informed me that HSBC had reported that I was two payments behind and that I owe XXXX. I immediately contacted HSBC concerning the issue. The HSBC Representative pulled up my account and informed me that it might be due to errors. The HSBC Representative informed me to email The HSBC Research Dept about the errors. I emailed HSBC Research Dept and informed them of the errors on my credit report. I informed them that XXXX XXXX had reported that I was behind two mortgage payments and that I owe XXXX. I informed them that I was not two payments behind and the amount is incorrect. I owe way less than XXXX. HSBC never contacted me. XXXX XXXX contacted me and informed me that HSBC had made the correction. HSBC contacted me in the month of XXXX and stated that I was in default and cure letter.
|
| 07/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Dear cfpb, I have an HSBC joint checking account with my son which has been incorrectly charged {$50.00} of fees on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Each month I rang up and raised the issue with the bank and each time they refunded the incorrect fee and assured me they had fixed the error in their system causing the problem.
I raised a complaint each time and I was told that the problem had been resolved. Clearly this is not the case.
I am writing to cfpb after 4 months of trying to get this issue resolved, as I hope that HSBC might take a complaint more seriously if it comes from cfpb, as they clearly are not taking their own customers complaints seriously at all.
I am hoping a simple nudge from cfpb might get HSBC to fix the error in their system.
All they need to do is correctly tag all my accounts as a premier accounts, which they are and this would resolve the issue.
best wishes
|
| 08/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment.
2 ) That all correspondence take place in written form only.
3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period.
4 ) Your office will mail all correspondence to my home address or my email at XXXX.
Thank you for your consideration in this matter.
XXXX XXXX
|
| 02/06/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
We took out a loan in XX/XX/2006 with Beneficial Financial in the amount of {$10000.00}. We were paying on the loan and they went under. We received paperwork in the mail stating that they were in a lawsuit we were owed back money and no longer paying on the loan. Fast forward 12-13 years and we are selling our house. To our surprise, we have a lien on our house. This company is out of business and we have NO way of getting in touch with them. No letters stating our loan was transferred, no other debt collection process happened.
Reconveyance of the Deed of Trust, dated XX/XX/2006, filed XX/XX/2006, in Instrument No. XXXX, to XXXX XXXX XXXX XXXX XXXX, Trustee and Beneficial XXXX XXXX XXXX, Beneficiary, stating that it secures a debt in the principal amount of {$24000.00}.
PLEASE HELP?! We would like to rectify this by either paying what is due ( if there is anthying small ) and getting a release of mortgage.
|
| 09/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Had fraudulent activity on my card that included purchases and credits. Charges were as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ECLIPLSE SAMPLE SALE credit XXXX I was hospitalized at the time and reported fraud. My fraud claim was denied for no apparent reason. I proceeded to send hospital records, and was told that wasnt sufficient. I then filed a police report and sent to them. They said it wasnt sufficient still because it wasnt signe, which it was. All of this was not communicated to me, and I have tried calling today XX/XX/18 six times. They couldnt hear me 4 times and hung up on me 2 other times. I need my money back. Meanwhile I have paid the minimum payment and have accrued interest charges. I am owed {$870.00}, plus interest charges. Furthermore, they did not send me a statement for XX/XX/XXXX, and I had to login to pay, luckily I have my payments scheduled in advance.
|
| 12/22/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I opened an online savings account with HSBC. They advertised a promotional rate. I did not receive this rate. After many calls -- and hours on the phone -- to call centers answering in XXXX and the XXXX -- nobody returning my calls when messages were left -- and many excuses by HSBC including blaming the customer ( i.e. the terms and conditions weren't met ) ... HSBC finally corrected the interest after I filed a complaint with the CFPB. It turned out it was an internal error at HSBC that the account was keyed wrong when it opened. Nobody at HSBC ever apologized for the run-around. Then, after withdrawing all of my funds leaving a zero balance, on XX/XX/2018, I attempted to close the account for my own safety. HSBC refused to close the account because of an address change, that would take many days to process. An address change should not take days to process and should not be an obstacle to closing an account.
|
| 02/07/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
Older American, Servicemember |
|
After receiving a " Payoff '' amount from Beneficial Mortgage in XXXX, 2000 in the amount of {$5000.00}, I paid this amount at the agency in full. 17 years later, Beneficial reports a charge-off to the IRS in the amount of {$5000.00}. The IRS sends me an outstanding tax bill since this was reported to them on a XXXX.
I challenged Beneficial and was told I underpaid in XXXX2000 by {$750.00} and therefore, after accumulated interest over 17 years, they decided to charge it off instead of seeking payment. I have NEVER received a late notice, balance due or adverse payment history on my credit report from Beneficial. How can they do this? The bank I paid this account through is no longer in business XXXX XXXX XXXX XXXX Bank XXXX. And even if they were, I was told, records this old would not be maintained. There are XXXX of complaints against Beneficial on the web site all siting similar experiences. What can I do?
|
| 08/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Hello, you close a complaint # XXXX - XXXX Here my answer for the bank : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I received your letter that disrespect you are a lying bank. The denial of the secured credit card, according to his staff, " was part of a process they do, first they deny it and then they approve it '', that's what XXXX told me, after that excuse, XXXX said and write me : " it had been a mistake ''.
I have everything in writing. Your answer for me is : " If you don't like it, close the account '' HSBC should be respect the users, you sold me a lie. You offer me : " if I opened the account they gave me the secured card '' The truth was you denied it, that's the point.
I do not share your lying answer. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CFPB - How can they close a case when the bank lied and nothing happens about it? What is the protection from you?
|
| 09/09/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened an account but did not get {$350.00} bonus as advertised : XX/XX/XXXX I submitted the application online to open my choice checking account XX/XX/XXXX I completed the bill pay requirements for 3 months within 120 days acct opened XX/XX/XXXX about 8 weeks after requirement completion, I did not get {$350.00} in acct XX/XX/XXXX contacted CSR for 35 min and XX/XX/XXXX with another CSR for 85 min with extensive holds & wait by the CSR, still without proper resolution to this date. The ineligibility of personal account held was confusing and the company did not clarify in its term the definition of personal account or show example. In the marketplace when people open personal account it normally means banking product, but the verbal explanation of CSRs say it included mortgage acct that the bank previously sold to another service provider without client 's choice is misleading and confusing to the consumer.
|
| 03/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
You have been advised repeatedly to stop your attempts to collect an invalid debt to the name of XXXX XXXX account number : XXXX. This debt is not valid and was not accrued by XXXX XXXX. A police incident number has been issued by the police department in XXXX XXXX CA for this incident and the theft of identity has ben reported to the FTC. I repeat STOP all attempts to collect this debt, I am tired to repeating myself STOP TRYING TO COLLECT THIS DEBT. We have retained a lawyer and will be proceeding further with legal action for unlawful collection if all attempts don't seize immediately. A monkey could do the investigation to see that the money was siphoned through bogus accounts by individuals in a different part of the world with no relation to XXXX XXXX. I'm chocking on my own spit here ; HSBC get your act together no wonder you are at the center of all illicit money laundering activities. Get out of here.
|
| 01/11/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied for a home equity credit line on a fully paid house in XXXX XXXXXXXX XXXX after a provisional approval I was denied credit on the basis of : -Temporary or irregular employment -Value or type of collateral not sufficient I believe the Bank did not treat me fairly and did not take into account all the information.
On the temporary employment issue : I worked non stop from XXXX when I came here to the XXXX to XXXX a master in real estate which I successfully completed. In XX/XX/2022 I joined XXXX where I am currently employed with a respectable position and salary.
On the collateral issue : The Home equity line I subsequently requested, was for XXXX secured by a house value by the Bank at XXXX. Furthermore, I hold assets with the same Bank overseas in excess of XXXX therefore their reasons are not very solid hence my claim of unfair treatment. Please do not hesitate to contact me for any questions.
|
| 08/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Yes, I have called you guys during the month of may or so, for the covid 19 help, and the guy spoke to me saying that I won't get any interested charge not until XXXX, since you guys wanted to help me during these hard time. and you guys send me a letter saying that you guys would push it all the way until next month .... so why am i still being charge for an interest on XX/XX/2020?
I have also contact someone today ( XX/XX/2020 ) and he doesn't seem to know what going on and he told me that it would take him 3 minutes to look up everything but i waited 20 mins just to get a response back ... so you guys are lying to me and don't know how to keep track of time, I hope the whole world see this complaint!!
I also dispute many and all of these XXXX transaction since i never gotten the item from them and they closed my account before i could even make a purchase ... ..so why am i stll being charge from XXXX!!
|
| 05/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had a loan opened XXXX XXXX with Beneficial for the property located at XXXX XXXX XXXX XXXX. The house was sold and the loan paid off IN FULL XXXX, XXXX. I have copies of closing title documents to support this. For unknown reasons, Household Finance Co ( FKA Beneficial ) posted the EXACT SAME LOAN amount and are showing it as current for an unsupported balance of {$62000.00}. They first posted this to my credit reports XXXX, XXXX, a full 7 years since the sale and payoff dates. Because of this, I can not obtain a new mortgage loan. When I contacted HFC, they could not explain to me how they arrived at this number, nor why they are showing it as " current '' though XXXX payments have been made to them towards this allegedly owed amount. I think they are listing it as CURRENT in an attempt to toll the 6 year statute of limitations in the State of Oregon to seek legal remedy for an implied breach of contract.
|
| 12/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
Servicemember |
|
I had a checking and savings account with HSBC. I am in the XXXX and had direct deposit go into those accounts. While I was XXXX overseas for the XXXX, someone used my debit card and made many transactions in stores and online. Once I found out about this I notified my XXXX who told me to notify the bank about the fraud. I called HSBC bank and reported the transactions which totaled over {$3200.00} of my hard earned money gone. I waited for some type of credit to my account so I could pay my bills. Three days after HSBC stated they would not be able to approve the claim. They did not even bother to investigating it. I was devastated and in shock because I really worked hard to save that money. Not only did they not investigate but they also notified the branch manager of the location that i opened my account to close it once my funds were depleted because my account was a victim of unauthorized transactions.
|
| 04/26/2016 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
This complaint is about HSBC handling dispute.
After months fooled by a merchant XXXX, and the dispute is not working. I decide to get help from XXXX government. So I have report this fraudulent activity to " XXXX XXXX XXXX '' in XXXX. The XXXX forward my report to XXXX police department. After the police department investigating the matter and they found I was frauded by XXXX. I have received a report from XXXX XXXX XXXX XXXX and I forward this report to HSBC dispute department. To My surprise, HSBC still want to get a word from XXXX that they are going to credit back the money to card before HSBC can do something to continue this " dispute ''. To me, it is just not make any sense, this is not a normal business activities, it is crime, XXXX promise to sent back the money back to me, many time, in email and over the phone, They just do n't do it. I really want HSBC do something to get my money back to card.
|
| 04/16/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
Servicemember |
|
On my account I had charges I did not owe. They kept billing me any how. A Company called me to make arrangements on my balance stating they were A lawfirm aattempting to locate me to serve papers to go to court. I could not under stand this I am easy to locate or contact. I agreed to pay a payment that day to avoid court of over XXXX. They said if I did not pay that day I would be sued..I did not want that so I agreed to pay and make future payment to them. I bought a credit card you can l ; oad your money on to make these payments.I also asked them to send me copies of my account and info on their company. This never happened.
After a few payments I felt my balance on my account was paid in full and when I never received this paper work I called the number from my caller ID anf found out they were a collection agency acting as a lawer with threats. They had impersonated a lawer while on the phone with me.
|
| 10/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
This company still refuses to pay the bonus that I should have received for opening a Choice Checking Account with them on XX/XX/2018. Despite repeated efforts of following up and demanding this bonus, they didn't pay it out. Now they claim that I didn't sign up for that promotion-that I clicked the wrong link when I signed up for the Choice Checking Account. This is completely contradicted by a message that they sent to me on XX/XX/XXXX saying that I should receive the {$200.00} bonus six to eight weeks after maintaining a {$1500.00} balance in their account for 90 days. They have lied over and over again, and still not paid me this bonus. I just in the past week initiated a transfer of my {$1500.00} balance at XXXX to my CHase bank and am still waiting on receiving that, but I still am owed that {$200.00} bonus they should have paid me by no later than XX/XX/XXXX according to their own XX/XX/XXXX message.
|
| 02/04/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
This is a continuation of previous claim. This is with regard to a HELOC that was granted to us on XX/XX/XXXX thru XXXX XXXX XXXX XXXX With your help I have been able to follow which companies have been involved inthe financing process of this loan. After XXXX XXXX granted this loan, it was turned over to HSBC. They serviced this loan from XX/XX/XXXX until XX/XX/XXXX, according to HSBC. However, from XX/XX/XXXX until XX/XX/XXXX, for four years, there was no correspondence from anyone with regard to payments being made or nt being made.. From some of the research that I have done, XXXX was involved in the serivcing of this loan. I was never notified by XXXX of any involvement in the collection of payments on this loan prior to being turned over to XXXX. No introduction to this company, no statements, no where to sent payments, on payment history, no record keeping furnished to me, no correspondence at all.
|
| 11/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XXXX, I applied for the HSBC Premier Checking account via https : //www.us.hsbc.com/checking-accounts/campaigns/premier-offer/. You can see what the offer looked like then here : https : XXXX : //www.us.hsbc.com/checking-accounts/campaigns/premier-offer/. I was directed there after hearing about the deal on https : XXXX, which again also says you must go through that link. There is no reason why I would purposefully deprive myself of the bonus by applying through a different link, and the pursuit of the bonus was the sole reason that I opened through that link. I have contacted HSBC on XXXX and gotten case ID XXXX, on XX/XX/XXXX and gotten case ID XXXX, on XX/XX/XXXX and gotten complaint ID XXXX, and multiple times since. Every time they said that I didn't go through the proper link. HSBC has a well-documented history of claiming that you didn't go through the proper landing link : https : XXXX # XXXX
|
| 02/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My name is XXXX XXXX ssn ( XXXX ). This complaint is about my HSBC cash rewards master card ending ( XXXX ). My card was lost/stolen on or around XX/XX/XXXX. I left out of country on XX/XX/XXXX and just came back on XXXX XXXX, XXXX. This is when I noticed I didnt have my card with me. I checked my account online and find so many unauthorized charges/fraud activities. ( {$3000.00} ) I called HSBC right away on XX/XX/XXXX. I was told by the representative that I will be receiving some forms to fill out and they will start investigating. Within a week I received a notice dated XX/XX/XXXX that they have denied my claim.
I was out of country and card was swiped in person in USA how is this even possible. I am ready to provide any supporting documents or proof.
I would like to request HSBC to provide me the proof of their investigation. Also I want the phone number of their credit card operation director.
|
| 06/03/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I am an American citizen living abroad who has been a customer with HSBC Bank USA since XXXX.
In line with best practice, I havent touched my Traditional IRA account ( # XXXX ) and have had no plans to do so until I reach retirement age.
However, Ive recently realized that I stopped receiving account statements. When I called the HSBC customer service numbers on two occasions, the agents stated there is no record of my account.
In XX/XX/XXXX, I sent a detailed letter via registered mail about the situation to HSBC USA Headquarters in New York but have not received any response.
I am now very concerned that the money in my account may have been misappropriated.
To resolve the problem of my missing Traditional IRA account, I would appreciate your support to find out how I can confirm that my funds are still available to me as well as information about how I can reactivate and access my account.
|
| 06/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Calls being made repeatedly to my daughter and to an old ( and seriously ill ) family friend threatening to serve me with a complaint for a debt. The company calling us XXXX XXXX. I do not owe XXXX XXXX any money. They claim it is for money ( {$3200.00} ) owed to HSBC. I do not have any collection on any of my 3 credit reporting accounts ( XXXX XXXX or XXXX ) for a debt or past debt owed to HSBC. XXXX XXXX 's phone number is XXXX and the woman who threatened me with being " served with a complaint '' is XXXX XXXX. I tell them I am going to file a complaint against them and they stop calling for a while, then start calling again. I checked with the Sheriff 's Dept., and with the process servers in NC, and none of them have any complaint to serve on me. I want these threatening calls stopped! The last calls started XXXX/XXXX/17. I checked my 3 credit reports today, and they all show " no collections ''.
|
| 11/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I transferred some points from my HSBC World Elite MasterCard on XX/XX/XXXX to an airlines partner. This usually takes 2-3 days in my experience, but the confirmation and the email always state it can take up to 14 days. Points had not been transferred on XX/XX/XXXX, so I called HSBC. It took me 20 minutes and multiple calls navigating their imposible to use phone system to get a hold of somebody in the rewards department. That person didnt even know you could transfer points to airlines, basically she didnt know her know. So again I had to hang up and call again. Next I got a person who at least had an idea, but asked me to call next day, on the XXXX. I called the next day and every day after that, and nothing. They opened a case for me on the XXXX. Case number XXXX. Every time I call and provide this case number, I get the same answer. Oh you have to call later. No resolution. Nobody knows anything.
|
| 09/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX I had a dispute with HSBC BANK NEVADA NA about a fraudulent credit card some unknown person obtained in my name. After establishing that this was a fraudulent account eventually HSBC BANK NEVADA removed it from my credit report.
However, maliciously in bad faith after I advised them that due to their derogatory statement on my credit I was turned down for credit, instead of canceling such fraudulent account, HSBC IN XXXX sold it to XXXX XXXX XXXX whom started to show this as a new debt and new default with new collection account for {$1300.00} as of XXXX XXXX, XXXX.
I have repeatedly advised XXXX XXXX XXXX that it is improper and illegal to state this to be a new derogatory default as of XXXX XXXX, XXXX and it causing me a serious problem of turning down for essential items to be purchased, XXXX XXXX refused to remove this illegally and in bad faith showing derogatory item from my credit.
|
| 10/22/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
on XXXX/XXXX/2015, I filed an dispute with XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised XXXX to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised XXXX that not complying wit the FDCPA will put their company in a bad position with the CFPB. XXXX never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .XXXX sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
|
| 08/30/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
In XX/XX/2023, HSBC ran a promotional referral bonus scheme for Premier account holders. The promotion meant that if I referred friends or family to HSBC and they met the qualification criteria, they could receive up to {$1000.00} and I would receive {$300.00} for every referral. A friend of mine opened a HSBC checking + savings account in XX/XX/2023 using my personal referral number that HSBC provided. Both of us maintained the qualification amounts in the checking/savings accounts. As of today, HSBC have not paid me the {$300.00} referral bonus which should've been paid up to max 8 weeks after my friend opened her account. It is now almost XXXX and despite contacting HSBC on a daily basis, no referral bonus has been paid yet. HSBC continue to tell me they'll have a response in 5 working days despite them regularly going past 5 days and then proceeding to request 5 more every time I contact them.
|
| 09/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a call from this number XXXX. The person on the voice-mail message stated that she was calling from an Attorney 's office XXXX XXXX XXXX and that it is in reference to a debt that they plan to garnish my wages for the debt. I returned the call and XXXX XXXX answered the call verifying the last four of my social, DOB and name. She stated I incurred a debt from Bank of Nevada HSBC Bank in the amount of XXXX, in XXXX. I stated that this was impossible that I never had a credit card with any balance over XXXX. She could not verify the address of the company, her company or the details of the account, is the account number discharge date or even why this debt hadn't been reported to the credit bureau. Once I address this and asked that she send me the details about this debt to my po box she hung up the phone. Immediately after I called back the number and was sent directly to the voice mail.
|
| 12/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
to start, I received a call from XXXX XXXX ( XXXX ) on my cell phone, given a phone number ( XXXX ) to call with a Document number. I called and was told I was going to be sued and taken to court if I disputed the amount owed ( {$2100.00} as told by them and be charged court fees which would amount to over {$5000.00}. I was given an option to pay in installments and given a monthly amount ( XXXX ) to pay within 12 months. If paid in XXXX lump sum, the price would be cut in half ( {$1000.00} ). I agreed and gave them my information and received by email a form with my credit card information and for me to review and sign for consent. There was no other information on the paper but it said it came from a document control service and dropbox. There was no other information. I received a text from my bank to authorize or not and I decided not to have the payment go through because it was suspicious.
|
| 11/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I paid my HSBC credit card account balance off on XX/XX/2022 Before it was transferred over to the new credit card company XXXX XXXX XXXX. There was a XXXX balance. I have contacted Hsbc more than 5 times by phone. They keep telling me they no longer will service the transferred account. They keep referring me to XXXX gold card the new company. When I contacted the new company about this they said I had no owed balance on my account at all. They confirmed that there was no balance. I filed more than XXXX disputes with XXXX. Each time they decided the balance would remain because hsbc said the balance it accurate. But I have a Bank statement from XXXX XXXX XXXX that clearly says and confirms what I am saying. I just file another dispute with XXXX about the same issue, reporting fair information to my credit report. This is stopping me from conducting my business. The amount {$3800.00} paid by me
|
| 09/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I first opened and deposited my funds according to terms and conditions required to receive the signup bonus on XX/XX/2019.
After waiting the allotted 90 day period with my money in the acct, I reached out to see when I will receive the bonus. It was after the 3 months plus 4 months to receive. Then I reached out to the bank again and I have message records of this. The rep talked to the team lead manager and wrote back promising to deposit the funds after another 4 weeks starting from XX/XX/XXXX since the past terms and conditions. I waited again and now it is almost XXXX. I reached out again on XX/XX/XXXX reminding them that the 4 weeks is over and still nothing. They replied back asking me to wait 5 to 7 days and then again for 2 weeks. I am tired of waiting. This is obviously a scheme to keep money for as long as they want without giving back interest accrued. Their advertisement is false.
|
| 05/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
XXXX have already done as much as they can and referred me to you and the New York state attorney. The ID number for the XXXX claim is XXXX.
HSBC bank charged me a fee that I didn't sign up for. The statement I received from them, described the fee as a cash advance, which I did not do, but they argue no fault of theirs until they are blue in the face ... or me!
Customer relations sends me a generic card agreement, which doesn't even closely match my card, but DOES show the fee. They will not budge on that fable. XXXX has asked them to respond and they havent. They asked again yesterday, and they refused to respond.
There is one attached file with interest and fee information. This is NOT for my credit card agreement, but for the checks that I detached, to use for transferring balances, with a fee ... which I have not used. This is the other side of my welcome letter.
Please help if you can.
|
| 03/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have paid this company {$5000.00} on XX/XX/XXXX of XXXX. They claimed they have reported to the credit bureaus, but my credit has taken a hit & it still shows that I owe them money till this day. I have spoken to them today, XX/XX/XXXX of XXXX, to just get told that I have to file a dispute the credit bureaus & they cant do nothing else to help me, saying that they supposedly reported it already to the bureaus. But its been well over 120 days since my payment & instead my credit has gotten worse since then. They also have stated to me that they will contact the collection agency they hired & notify them that I have settled the account, but that remains untrue. The collection agency still shows up on my credit stating that I owe them money & that they havent received any notification from the bank I paid off. Which tells me that the bank is lying to me & has been continuously hurting my credit.
|
| 10/11/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
In 2007 I received a check in the mail for {$5000.00} from XXXX XXXX, after losing my job. I called the company to confirmed that the check was legitimate. They persuaded me to come to their office and consolidate my bills into one payment to them. I borrowed {$30000.00} and took out a second mortgage on my home. The interest rate was high, but they said that if I made my payments on time the interest rate would decline and my payments would decrease over time. I 've been paying for this mistake ever since, and the principal on the loan has remained at {$30000.00}. The interest rate is currently at 12.290 % with no signs of decreasing. Since then my loan has been sold/transferred to different companies and is currently being collected by XXXX/XXXX XXXX XXXX. They 're saying that my payments are late and have destroyed my credit in the process. Is there anything I can do to resolve this problem.
|
| 05/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
On XX/XX/XXXX there was a bank fraud in my HSBC accounts, in the amount of {$110000.00}, since that date I made multiple claims both personal and by mail and it was XX/XX/XXXX that I got in response of Mrs. XXXX XXXX, that within a period of 10 working days I would receive an answer if you have any questions, please contact Mr. XXXX XXXX, I have sent several communications and the last one I answered was on XX/XX/XXXX, " Dear XXXX XXXX, I appreciate your patience as I continue my review. I dont need anything further from you but do need a little more time to resolve the matter.Sincerely, XXXX XXXX XXXXManager, Executive Office | Customer RelationsXXXX XXXX XXXX - XXXX XXXX, NY XXXXwhere I indicated that it would give more time, despite the fact that I wrote after that date, I do not get any response, I have not received an answer to my complaint until today and it does not meet my requirements
|
| 08/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I had an existing account with HSBC and got the following promotion, which was completed monthly for 6+ months. Only 1x {$15.00} credit shows in the account each month. I have contacted HSBC 2 times via the customer messaging system and have not heard back any response.
Starting XX/XX/2021 you can earn up to {$180.00} over the next six consecutive calendar months by simply using HSBC for your everyday banking. Offer ends XX/XX/2021.
How it works.
Earn {$15.00} per month when you Make 10 new purchases per month using your eligible HSBC Mastercard card ( s ) and/or Earn another {$15.00} per month when you Pay 3 bills per month using HSBC 's Bill Pay Keep up the good work and earn up to {$180.00} over six months The Card Offer and/or Bill Pay Offer will be automatically credited to your HSBC Premier checking accou
nt approximately eight weeks after meeting that month 's qualifying activity.
|
| 02/04/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XXXX XXXX, I sent a wire transfer to XXXX XXXX for the amount of {$150.00}. Until today XXXX XXXX the amount has not received by the beneficiary bank. I called the customer services several times at XXXX and every time they promised me to investigate it and get back to me but every time I get a different information and reason for the delay. On XX/XX/2021, I requested to talk to Direct relationship Manager and was connected to XXXX XXXX at XXXX. After her investigation and the emails we exchanged, I requested to cancel the transaction and refund me the amount. Until today, I have not received the money. I called Ms. XXXX several times and left her a voice messages, and sent her an emails but I have not heard from her until now neither returning my phone calls. Please let me know if you have questions or need additional information from me. Thank you for your prompt attention to this matter
|
| 11/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
In early XXXX I received a mailer from HSBC advertising an offer available at " us.hsbc.com/500directdeposit2 '' for a {$500.00} Welcome Deposit if I 1 ) opened a Premier Checking account between XXXX XXXX XXXX, and 2 ) made recurring direct deposits totaling at least {$5000.00} per month for 3 consecutive calendar months from the 2nd full calendar month after account opening. I opened an account using my personalized code via that website on XX/XX/XXXX, satisfying requirement 1. I made direct deposits totaling > {$5000.00} via my employer payroll during each month from XXXX until today, satisfying requirement 2. I have not received the Welcome Deposit as of today. Per the terms, I should have received the Deposit within 8 weeks after completing all qualifying activities. I completed all qualifying activities as of the end of XXXX, and thus should have received the deposit by the end of XXXX.
|
| 03/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I called HSBC bank to do a balance transfer from XXXX XXXX in the amount of {$4100.00} HSBC bank systems took over after I already spoke with the HSBC agent that helped me do the balance transfer over the phone and sent {$850.00} to the wrong account agent said it was a system error on HSBC part it went to the wrong account then the system took over again and did a {$3300.00} transfer to XXXX XXXX. Still today I did not authorize a {$3300.00} transfer I authorized {$4100.00} transfer this has been going over for a month now trying to get this fixed I spoke with head supervisor no credit card department mr. XXXX as he promised he would fix this situation immediately every time I call he is unavailable and it is still unresolved and it is a fraudulent transfer that has not been authorized for {$3300.00} only for {$4100.00} has been authorized I need help to resolve this as I am getting nowhere
|
| 12/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a premier checking account with HSBC US on XX/XX/XXXX. Hsbc had a welcome bonus offer on their website of $XXXX if you open the checking account and receive a direct deposit of $XXXX monthly within the first 90 day of opening the account. the terms stated that the deposit will be deposited to my account within 8 weeks after meeting the requirements. I met the requirements in XX/XX/XXXX, so i should've received the welcome bonus in XX/XX/XXXX. I called HsBC 2 times and i also send them a message. The message i sent I received no response for. The calls both reps i spoke with they tell me will do an investigation and will call you back. I asked for a case number, but that was not provided and they told me we don't have a case number. Both reps never call me back. the welcome offer i signed up for is simeler to this one: https://www.us.hsbc.com/checking-accounts/campaigns/offers/
|
| 04/25/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
On or about XXXX XXXX, 2006, I financed and obtained a Refinanced Mortgage Loan in the sum of {$380000.00}. HSBC concealed the fact that the loan given to me was an " Adjustable Rate Note ''. As evidenced by the recorded Deed of Trust the box entitled " Adjustable Rate Rider '' that is supposed to be checked if the Loan is Adjustable was not checked and the required Adjustable Rate Riders that are supposed to be attached are not attached. ( See Deed of Trust attached ).
I signed a fixed rate 30-year mortgage. HSBC has substituted for the fixed rate note signed by me for a variable interest rate note bearing the FORGED signature ; said another way, the variable interest rate promissory note used by HSBC in the lawsuit I filed bears a FORGED signature and I never signed said note, nor did he ever ratify said note. I hired an handwriting expert and she determined that my signature is a forgery.
|
| 08/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a text message from XXXX, debt collector XXXX XXXX on XX/XX/2020 regarding a debt of the credit card. Also, it stated that I should contact this office in order to prevent further consequences.
On XX/XX/XXXX, I called the office and I spoke with Ms. XXXX to send me the information through my e-mail so that I can check my credit reports Bureau. She sent me a letter with the information : the creditor 's name is Household, account # XXXX with a case file # XXXX the Balance of the debt is {$3700.00}.
On XX/XX/XXXX, I got a message through the voice mail from Ms. XXXX regarding the complain that I have been filed against me and need to call urgently to solve the issue and prevent further actions.
I spoke and checked with the Credit Report Bureau Representatives and he told me the above creditor 's name and account number does not appear on my credit report in all three agencies.
|
| 08/18/2015 |
Yes |
|
|
|
Web |
|
|
Please reference the initial complaint - Case number : XXXX filed on XXXX/XXXX/2015. This complaint is for HSBC account # 's XXXX XXXX and XXXX and excludes the XXXX XXXX account. HSBC has never responded to the XXXX complaint. HSBC has never responded to my XXXX XXXX, 2015 letter. " Allegedly '' the credit bureaus were able to verify this information with HSBC.
Bottom line, to date I have not received any verification documents on these accounts. HSBC has exceeded the legally accepted 30 day allotment to verify these accounts. According to the FCRA rules, if a creditor does not verify the debt within 30 days to the debtor, they are not allowed to continue attempting to collect the debt, nor can the creditor list the debt on the consumer 's credit report.
This is a clear case of unverified debts that need to be removed from my credit files immediately. My only option left is to file suit.
|
| 10/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
COMPLAINT TO BUREAU OF CONSUMER FINANCE I am an XXXX XXXX XXXX senior citizen. My laptop was hacked on XX/XX/XXXX and I was scammed of {$65000.00} in a wire transfer to XXXX XXXX XXXX in California through my HSBC bank on XX/XX/XXXX. This amount is the bulk of my retirement savings and is of serious concern. Once the scam was discovered on XX/XX/XXXX a recall of my funds was initiated via HSBC but to no avail. HSBC issued a receipt showing Date Available of my funds as being XX/XX/XXXX, a full 5 days after the wire transfer to XXXX XXXXXXXX XXXX. Unfortunately, HSBC has not been supportive despite my having been a long-standing HSBC Premier customer. I believe that HSBC has a responsibility to me and to the return of my retirement savings.
Also, I have communicated with the XXXX District Attorney 's Office, the NY Police at XXXX Precinct, and the Federal Trade Commission.
XX/XX/2023 2023
|
| 12/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I have a HSBC Premier Checking account, which was opened under a HSBC promotional offer in XX/XX/2020. Based on this offer, if I have more than {$3000.00} direct deposit to my HSBC Premier Checking account every month, then I will receive {$60.00} bonus each month. Since I opened this account in XXXX, every and each month I have met the direct deposit requirements. Over the past few month, before the last day of each month, I received the {$60.00} bonus posted to my checking account. However, for XXXX, the monthly bonus posting was delay to XX/XX/XXXX. For XXXX, today is already XX/XX/XXXX, but I still have NOT received the {$60.00} bonus yet.
I contacted HSBC customer service by email, but they completely ignored me without any response yet.
I request HSBC to post the $ XXXX monthly bonus to my checking account immediately, which was supposed to be posted to my account by end of XXXX.
|
| 10/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I over paid my primary mortgage insurance on loan # XXXX as a first time home buyer. My former last name was XXXX. I finance my mortgage loan with HSBC ( XXXX XXXX aka XXXX ) formally known as beneficial. Ive paid primary mortgage insurance from XXXX to XXXX. While my loan was in foreclosure with their loss mitigation dept. due to loss of income, I inquired if I could pull money out of the primary mortgage insurance escrow account. I was informed that there was no money available. It is my understanding that primary mortgage insurance should only be paid for XXXX years instead of 11 years. Had the money been refunded I couldve use the difference to offset the bad debt. My house was significantly under appraised by a court appointed XXXX. As a result, I lost money on that transaction as well. I was cheated out of money due back to me. I would like to file a formal complaint against them!
|
| 09/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
This relates to HSBC 's Premier Credit card. I paid the credit card using the telephone service provided by the bank and then the bank froze the card ostensibly to verify that I was the one who paid. I waited hours for the call center to pick up my call over a period of days. finally, i got someone, the card was unfrozen.
I then spoke to someone in customer support who helped me make a request to transfer a balance from another credit card to the HSBC card. Minutes later the card was frozen to verify that I had made this request which is ridiculous as the employee from customer support had already verified my identity. I have been on hold with the call center for hours over a period of two days so far and no one picks up, and both my request and credit card are frozen.
The bank takes arbitrary actions that prevent me from using the card and then there is no one to speak to rectify this.
|
| 06/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I have had an HSBC account in the USA since XX/XX/XXXX and I opened it because I had an HSBC account in XXXX XXXX. I primarily opened it as a joint account with my son who was starting university there.
My daughter too now is studying in the USA and I frequently transact on that account to send her rent and university fees. My XXXX TV and other paid apps are also connected to that account.
The last transaction I did on it was on the XX/XX/XXXX and now they seem to have abruptly closed my account with no explanation and I had upwards of {$18000.00} in it. Funds that I need access to to pay for my kids in the US.
I called everyday for the past week and I keep getting transferred to various call center customer service people who are not able to give me any definitive answers. The bank is HSBC USA and I am very very worried as have several payments to make for my daughter at university.
|
| 11/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
I have an HSBC expat account. I am a ( US ) citizen XXXX XXXX HSBC required a lot of info about my address etc, to open the account, which I duly provided. However, after a few months, their security Dept asked me to update my info, which I did. They called back saying it didnt update so they need it again. This happened like XXXX or XXXX times, each time asking for the same info I had already provided.
I told them I was moving jobs, and they blocked my card in the middle of a move internationally, blocking my access to my own money, while in a move. My family couldnt eat due to not having funds. I tried to resolve this many times with HSBC but they never fix it. I just keep going in circles. I am stranded in a foreign country with no access to my money because of their idiotic process and because their system isnt showing the info I have sent them time and time again.
I am furious
|
| 02/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I received a statement in the on or about the second week of XX/XX/2019 from HSBC bank. This account was fraudulently opened under my name, using my home address, date of birth, and social security number. After calling the customer service department at the bank, they told me to send a letter with the details and they would close out the account. I also went to a local branch and talked with the senior branch manger to get the account closed. She promised me this would be taken care of within 5-7 business days. On or about the second week of XXXX I received my second statement that the account was still open and getting interest. I then called the local branch manager to let her know the account was still opened, and she told me per her corporate office it sometimes takes longer to close out an account under these circumstances. I have not heard back from her as of today XX/XX/2019..
|
| 01/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened my checking accout with a promotion coupon ( To summary : can get {$350.00} if {$10000.00} deposit and maintain 90days ) on XX/XX/2017 but havent received the bonus after timeline passed. I contacted HSBC and they said I have to contact the branch where I opened at.
I contacted the branch. They said I have a history of opening/closing a checking account before so I am not eligible to get the bonus.
However, the banker checked the history and proceeded when I opened my account. The banker ( I can give the banker information if you need it. I didnt enclose due to personal information ) confirmed that HSBC has no record of my previous checking account history in their system after researching it.
If the banker would informed that I was not eligible for the bonus when I tried to open a checking account, I wouldnt open and wouldnt maintain my money there over 6 months so far.
|
| 11/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2019, I upgraded my HSBC basic checking account to premier checking account. HSBC sent me a new debit card ( without my awareness ) and a new credit card, but I never received them in my mail.
On XX/XX/2019, I received multiple fraud alerts in my mobile phone warning me HSBC suspect fraud on my card account ( s ). I called HSBC security center immediately, confirmed the fraud transactions because I never received my debit card and credit card. I requested HSBC to close my debit card and credit card immediately.
However, HSBC didn't refund me all the fraud transactions made on XX/XX/2019 on my card accounts. On XX/XX/2019, HSBC sent me a letter claiming that the transactions on my card accounts were " AUTHORIZED '', and therefore they're denying my claim.
This is absolutely UNACCEPTABLE! HSBC is un-professional, unreliable and their fraud investigation is totally WRONG!!!
|
| 12/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Found this information on my credit report and wrote a letter requesting a copy of the application and information to verify what this debt was for. I have not received a signed application, no ID, no billing and shipping information and anything else to validate this alleged debt belongs to me. I have written this company appearing on my credit report three times requesting information about this debt and only received a bill with a letter stating the bill with the amount on the credit report has been " verified '' and belongs to me. This is without a doubt insufficient. This company on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX. XXXX. A billing statement with no explanation of goods, services, dates of goods or services rendered is not sufficient. I have requested this information to prove this belongs to me and have repeatedly not been provided with it.
|
| 03/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I tried to close a long-dormant account ( haven't used nor have I had a card for the account since XX/XX/2020 ), account # XXXX. I messaged the HSBC Bank USA department to close the account. I provided all information requested including my social security #. However, their personal details weren't accurate on my account at all ( I've moved out of state to ME since then. ) They updated the information on their end. However, they then advised me that I would have to " Request you to please get in touch with us, once the address is updated and we will process the account closure. '' However, I was not given a firm timeframe for how long it would take that to update ( it reflected on my end immediately. ) This is the second time I have been told to call back 4-7 business days late ( the account overdraft and I transferred in funds to bring it to a XXXX balance. ) It feels like fraud.
|
| 08/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I opened a checking account with HSBC, I was told by phone the account needed to remain open for 120 to avoid early closure fees. I complied and then after the 120 days I called again to close the account. Conversation went well I was told the account was closed and I would be receiving confirmation in the mail. Never received anything and the account remained open. I did not want to acquire monthly maintenance fees which is why I was closing the account. Contacted the bank again and now they state the closure never processed and I would be charged a {$25.00} early closure fee. I stated that per my previous two conversation with their representatives it was 120 days and the account should already be closed. Bank will not close my account without the fee and now I will be getting a monthly maintenance fee on top of all of this due to the account remaining open without my knowledge.
|
| 12/06/2016 |
Yes |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I was contacted by a " Locating Service '' who gave me a claim number and telephone number to call. I called and was informed that XXXX and XXXX was attempting to collect a debt from HSBC Auto. I asked for more info on the debt, including the date of the last activity on the account. After getting info I realized that the date was well beyond the statute of limitations for this debt. The call person informed me that it was not, and that they could get a judgement against me, where it would report negative on my credit report and attach a 10 year wage garnishment. I was then informed of a settlement offer, which she didnt know the details of and would have to speak with her legal dept. I asked for verification of the debt, but apparently they didnt have to provide that. This company is using threatening tactics to try to scare people into paying back a debt they may or may not owe.
|
| 09/27/2016 |
Yes |
|
|
|
Web |
Older American |
|
I requested HSBC XXXX bank to transfer a balance to my other credit card at XXXX, to pay my outstanding balance there. This was in XXXX, HSBC did sent a check to XXXX, on XXXX/XXXX/2016, with the wrong account and without my name.
The check was never cashed by XXXX ( By HSBC own admission ) but yet that amount has been added to my HSBC balance since XXXX/XXXX/2016, together with a hefty transfer fee, though I never benefited from that transfer.
I have call XXXX banks and specially HSBC a number of times, did n't get anywhere until I twitter about it and though then I was put in touch with a CSR, they then told me on that call that they will fix it, just to call me the next day saying they are refusing to take the amount of the transfer off my account though their check was never cashed!!!!
So now I am carrying the same balance at the XXXX bank!!!!!
This is NOT XXXX fault.
|
| 08/26/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
A debt collector contacted my elderly mother, who has a XXXX, at her telephone number. She was told that there was a warrant for my arrest and that I was due to being arrested any minute, if I did not contact them. She was told that she had XXXX minutes to contact me and have them contact them so that I could be arrested wherever I was located at. She contacted me at work and I then contacted the company. Meanwhile, my brother had to take my mother to the doctor due to her XXXX.
When I contacted the company, a representative told me that I needed to make payment immediately and he would then terminate my warrant of arrest. I paid them with whatever I could and am now making hospital payments for my mother.
I believe this was very unethical on the companies behalf and should be disciplined for verbal abuse and domination over something that does not originally belong to them.
|
| 02/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX Out of Area call XXXX I answered the phone and got a recording said that said legal action was taken against me and a process server would be coming to my house to serve me with legal papers. Then transferred me to XXXX XXXX.
Mr. XXXX asked me to identify myself by verifying the last 4 of my SSN, then when I did he said I needed to pay today a bill for an HSBC credit card. I told him I'd never had an HSBC CC and he started yelling at me telling me " Do you expect that the company is just supposed to believe you since you say it isn't yours? Isn't that your SSN number? '' When I told him again I had never had an HSBC card he said then that it was bought by XXXX XXXX and I had paid {$48.00} a month back in XX/XX/XXXX. I again told him that I never had an HSBC card and he started yelling saying " We're done here, we're sending process servers to our house ''! I hung up
|
| 09/22/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
We took out a XXXX balloon equity mortgage which was due to mature in XXXX. We paid interest only and the principle was due upon maturity. According to the contract, HFC ( XXXX Beneficial Finance ) was to send us notice 90-days prior to maturity. While we never received that, we thought, maybe it was a XXXX loan which would mature at the same time as our first mortgage, but never questioned it. We were tricked into paying this for an additional 6 years because we were consistently being billed. When they contacted us for the principal, in XXXX of XXXX, they informed us we had until XXXX, XXXX to pay it. ( Thus the XXXX notice. ) I was able to locate all of the original documents at which time, I noticed it should 've been called in by the company in XXXX, XXXX! I want all of my overpayments refunded to me! That was 6 years in interest charges. It amounts to almost {$40000.00}!!
|
| 07/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I went to HSBC and because Im glad she judged me and refused to give me my funds.Im XXXX XXXX. Basically I go to HSBC Monday the XX/XX/XXXX About XXXX XXXX. I fill out my direct deposit slip to make a withdrawal for XXXX dollars. The teller looked at me and asked. Do you have a atm card. I politely told her. I lost my ATM card and the new hasnt arrived yet. She replied so you dont have a ATM card. Which I just told her no. So she told me to let her get the manager. The assistant Manager looked at me looked at my account and questioned me about the funds in my account. I applied for a business loan from sba due to the Covid.She basically said sorry I cant let you withdraw any funds I need more documentation? So I emailed them my documents on from SBA and the still want give me my funds.I called several of times and they still havent released my funds that are available to me.
|
| 06/07/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
We have sent XXXX of US {$250000.00} from XXXX to XXXX XXXX against purchase of goods as on XX/XX/2018. The fund was remitted from XXXX XXXX XXXXXXXX, XXXX to XXXX XXXX XXXX USA, further transferred to XXXXXXXX XXXX XXXX XXXX, they further transferred to HSBC USA for transfer to HSBC XXXX XXXX for final credit to beneficiary. It's already 23 days now, we are following every night from XXXX & XXXX XXXX, but not getting any response from HSBC USA, who holds our fund from 23 days. Neither they have intimated the sender nor to beneficiary, the reason to hold. We are attaching herewith copy of BOI-USA requesting XXXX XXXX to follow up with HSBC-USA AND also copy of earlier reply from XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX. Even we have tried to contact XXXX XXXX XXXX & HSBC USA directly on phone, but they have denied to reply on any of our query.
Kindly do the needful. Thanks.
|
| 06/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I made a grave error. I applied for a checking account with HSBC. HSBC approved the account. Later they decided to make the account for closure. This is their right. Although they did not tell me why. Nevertheless they are holding my money. It is illegal for them to do this. There was no fraud, nothing. I went to the branch, tried to call them on the phone and all HSBC tells me is that another department is looking handling the account. I get the run around meanwhile they are holding my XXXX. I do not understand why.
This jas been going on since the beginning of XXXX and it is not XXXX. All Custer service does is tell me another department is handling it Worst is I was told that the department handling it can't take calls, has no phones, does not deal with customers.
This should not be allowed.
The customer service is the absolute worst I ever seen at a bank. The worst
|
| 07/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Constant phone calls from XXXX XXXX XXXX to collect a credit card debt claimed I owed fromXX/XX/XXXX. The company calls my phone constantly with different phone numbers, has also called wifes phone, XXXX brothers, parents, sister in laws phone, and workplace I left in XX/XX/XXXX. This company claims to be collecting for different accounts, a computer called HSBC and another called partner weekly. I have answered and asked this company to remove my number and name and do not call me or family members. They continue to call and aggressively tell me if I do not pay over {$3000.00} a civil suite has been filed and they will take me to court. I have reported this company multiple times and they continue to call. The company tells me they are located in my home town, but there is no record of this company near me. They also call from cities that are near to me using fake numbers.
|
| 08/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On Thursday XX/XX/2019 I had received 2 different letters dated on XX/XX/2019 from the HSBC Bank to inform me my checking account will be close on Friday XX/XX/2019. By exercising their right for rules for consumer Deposit Accounts.
Second letter was my credit line account has been terminated ...
I try many times call XXXX numbers to know the reason with details to defend myself of innocence of what triggered the company to close all my accounts. Only answer was I break the rules for consumer Deposit.
I had 9 years of relationship with the Bank never had problem of late payment of my credits Line and never use the full potential of the credits few months ago they raised my credits line ... I never on 9 years overdraft my checking account, plus I had security checking account if was ...
Only Deposit I have on this checking account are my direct deposit from my employers.
|
| 09/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I received a text message from my brother, I'm copying and pasting it here. Someone called me to see if you were available to sign some legal documents. They said they were a courier and couldn't tell me more than that. Their telephone number is XXXX. Case number XXXX. I called and was told that they were XXXX a debt collection agency. He told me that they were going to garnish my wages if I didn't pay {$3000.00} for an old HSBC credit card from XXXX. I didn't trust the man on the phone so I started asking questions and he got angry started yelling my ss # and old address and said that he'll tell them that I want to go to court and then hung up. Ive read online and was told by XXXX XXXX XXXX XXXX that it's a scam. HSBC should be liable, sued and fined for allowing scammers to get access to people 's social security number. It's a breach of security and trust.
|
| 12/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I opened a card with this company, they immediately flagged my account for " security reasons '' despite me confirming my phone number and sending them my credit card information. I already submitted a complaint to CFPB. In response I received a generic letter stating that " we still need to verify your proof of address and proof of ID '' ( I already did this ) and some woman asking to " send in the proof directly to me, Ive enclosed a postage paid envelope for your convenience '' ( I am not sending my ID 's to anyone anymore at this company and how did you enclose an envelope in a PDF?? ).
They copied and pasted a generic response unrelated to my case. And are lying about their offer. It was to receive {$150.00} when spending {$300.00} in the first month, which they blocked me from doing. I just want my account closed and will keep sending complaints until it is closed.
|
| 03/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I am receiving repeated calls from a " processing center. '' The phone calls are abusive and threatening. The representatives threaten to " see you in court '' and " serve you with papers at your home or work '' this is regarding " two complaints '' they claim to have from HSBC Bank. They claim the complaints are regarding " breach of contract '' and " failure to pay ; '' However, as I stated previously all debt related to this account was discharged in bankruptcy in XXXX. I have told them repeatedly that the balance of HSBC account to which they are referring was discharged in bankruptcy. They will snidely reply " see you in court '' and/or " good luck in court '' and hang up the phone. These calls began in XX/XX/XXXX and have continued through XX/XX/XXXX. They even called and left three separate voicemails with my abusive ex husband which endangered my personal safety.
|
| 01/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
|
LETTER DATED XX/XX/XXXX ( I RECEIVED THE LETTER XX/XX/XXXX ) ADVISING THAT MY CREDIT CARD HAD BEEN TERMINATED. WITH NO REASON WHY??? THE ACCOUNT WAS CURRENT, PAYMENTS UPTO DATE, A VERY SMALL BALANCE.
THE CREDIT CARD HAD A REWARDS BALANCE OF OVER XXXX POINTS WHICH IS EQUIVALENT TO {$1500.00} WHICH HSBC HAVE REVERTED BACK TO XXXX.
I HAVE TRIED SO MANY WAYS TO OBTAIN WHY THIS HAPPENED, HSBC HAVE MOVED ME AROUND SENDING ME TO THE LOCAL BRANCH WHO WOULD NOT FIND OUT OR EVEN KNOW WHAT TO DO. I HAVE TRIED TO CALL THE CORPORATE OFFICE, NO ANSWER. THEY HAVE TOTALLY MADE ME FEEL ABUSED, DISCRIMINATED AGAINST LIKE HAVE DONE SOMETHING WRONG. NOT ABLE TO FIND OUT IF THE BANK HAS BEEN GIVEN SOME WRONG INFORMATION, AND WHY THEY WOULD DO SUCH A THING.
I NEED HELP TO FIND OUT HOW AND WHY A BANK WOULD BE ALLOWED TO DO SUCH A THING WITH NO EXPLANATION.
LOOK FORWARD TO HEARING FROM YOU.
|
| 03/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX purchased as a debt buyer an HSBC account XXXX which was already in default but agreed by HSBC not to be my debt due to Identity Theft. Unfortunately in XX/XX/2013 XXXX XXXX took the position that they acquired this account and started a brand new collection action. I have notified XXXX XXXX within 30 days that this was not my debt and requested validation. In addition I requested : 1 -- validation of the debt balance ; 2 -- the date this account first went into default ; 3 -- the date of very last payment received ; 4-the name and address of the original creditor who charged off this account and the date when this creditor purchased this account ; 5 -- the original application and file evidencing my signature that this was my debt.Since I never received full and detailed answers for these 5 questions, I am hereby demanding such detailed validation again.
|
| 06/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is the second complainant regarding Beneficial Mortgage Company, ( HSBC ). The first complainant involved unpaid taxes for XXXX and XXXX. Property insurance fee of {$4100.00} Notice from XXXX County Treasury for back taxes exceeding 4,200.00. and additional fees to my account by XXXX XXXX XXXX totaling over {$6500.00} Complainant # 2 involves my conversation with HSBC on XXXX XXXX, about an increase in interest fees starting after XXXX/XXXX/XXXX. I was told by XXXX XXXX that my interest fee would increase to 3.0 after XXXX/XXXX/XXXX. In 7 years the fee would increase to 4.0 and after 8 years the interest rate would increase to 4.4 percent. The statement from HSBC states my interest rate of 2.0000 % would remain the same through XXXX. I am enclosing a copy of my monthly statement from HSBC. The statement verifies the interest rate of 2.0 percent until the year XXXX.
|
| 03/28/2016 |
Yes |
|
|
|
Web |
|
|
XXXX XXXX XXXX - based in XXXX Over {$1600.00} collection amount on credit report for a {$300.00} credit card since XX/XX/XXXX ; I filed bankruptcy in XX/XX/XXXX and credit card company did not file a claim. I attempted to settle debt for credit card limit {$300.00}. Debt collector attempted to collect XXXX % or more of a card -- - not used/closed since XX/XX/XXXX. Predatory Lending XXXX XXXX XXXX XXXX HSBC BANK XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1600.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX HSBC BANK XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1300.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
|
| 03/16/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
At This time, I am disputing what Beneficial HSBC had responded to my claim with. For the fact that i did in fact make my trial modification payments, and each time I was never notified. During the last time in 2014 i had even went through another Lawyers office. I have enclosed copies of each check that was sent in for the last modification showing that we did make the payments for 2014. Also If Beneficial does not participate in the XXXX or similar federal government-sponsored programs, why???? do Beneficial employee 's tell me when i have called or even when i received the information by mail to please call for to see if you qualify for XXXX Assistance or XXXX.
Plus this is not to mention there are XXXX different names on papers that I received in the mail, and each XXXX had different answers for me when I talked with them, not to mention when my new wife did also.
|
| 05/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Charges appeared on card that we did not authorize XX/XX/XXXX To there credit, our credit card company alerted us on XX/XX/XXXX of fraud alert and began process of closing old card.
Unfortunately at this point a new card was issued to us and we were advised that our account was under investigation.
Upon issuance of the new card, our old card with fraudulent charges was having balances transferred to our new card.
This is where we have hit a wall with our credit card company. These charges were not incurred by us but we are being forced to deal with payment and late fees every month.
We simply need help to get this company to resolve our account back to zero, prior to fraudulent charges back in XX/XX/XXXX but can't get company to resolve due to poor communication from the company.
We have spreadsheets and documentation we'll gladly share to support our issue.
|
| 10/26/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I received a letter from HSBC US about my two accounts there, one is a savings account and the other a checking. They are saying they will shut down my account if I don't take action.
They gave me 3 options to keep the account open. 1 ) Do a transaction, 2 ) call them, 3 ) provide a notarized signature.
3 ) is prohibitive for me to do 2 ) I tried to do at least 4 times, wasting at least 1.5 hours trying to get someone to answer my question on how to keep the account open. After getting flipped to multiple reps on each call and no one having a good idea of how to resolve this, I eventually gave up on this path. At least 1 time, I got hung up on after being on hold for 20 minutes.
1 ) I tried to do a transaction via their web portal, but they froze me out and asked me to call them. Which I obviously tried to do in 2 ) and was unable to get anywhere after 1.5 hours.
|
| 09/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 HSBC Bank USA, N.A Dear HSBC Bank, Basic Checking Account # XXXX HSBC PlatinUM Rewords Card XXXX Select Credit Account # XXXX I opened basic checking account on XXXX XXXX with proper documents and XXXX applied Credit card and XXXX Select credit account. ( Approval letters attached ) I spoke with XXXX XXXX Fraud Security Centre Today Your bank recommended to closer my account due to security concern.
I am so disappointed provide me hard time opening and closing accounts. I felt this is discrimination.
Please provide me all details why my account closing even I provided proper documents And also Please removed following my credit inquires on my credit profile at XXXX XXXX XXXX and XXXX XXXX - Removed my accounts all 3 credit be agencies.
- Refund my checking account balance Thank You ..
XXXX XXXX XXXX
|
| 09/29/2016 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
I opened a checking account with HSBC about 2 weeks ago and I changed my direct deposit to the new account. Yesterday ( XXXX/XXXX/2016 ), I found out by logging to my account online that my checking was slated to be closed without any knowledge from my end. I contacted the bank and they are unable to explain to me why my checking account was closed without any notification. My paycheck is supposed to be deposited to the account today ( XXXX/XXXX/2016 ) and I ca n't access it because the bank closed my account without grounds. I demanded the bank to reopen my account and an explanation but they ca n't tell me why it happened. Now I ca n't access my money for another 2 weeks until payroll fixes my direct deposit to a different bank and I will be behind on my credit card payments. I have attached a copy of my paystub which shows the banks routing number and the pay date.
|
| 07/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
On XX/XX/XXXX I filed a complaint # XXXX as XXXX has stopped computing and publishing my FICO score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my FICO scores for 7 months now. After investigating with HSBC US NA Bank, where I do have a Premier XXXX account since XX/XX/XXXX with ( statement attached ) XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX ( attached ) from HSBC US bank certifying that they do properly report to XXXX all my financial payments. In addition, I can see some of my financial data appearing within my online XXXX account ( scree capture of today attached ) where the year XXXX and XXXX are fully missing. This is the proof that XXXX knows about my account at HSBC US but do not investigate on the failure cause and resolve the issue.
|
| 11/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Im a woman in XXXX XXXX, so this is the wrong place to make a complaint.
However, out of despair for being stuck in a city that has recklesly abused me discriminated, harassed me, due to various indiviudals and a former corrupt mayor.
I recently opened a HSBC bank account, they were rude, something odd was going on have had some media and an ex, his friend sister works for XXXX PR XXXX XXXX Im not sure, but she might have been contacting my bank to mess with me, leaking my bank account data and other security data. A shopping center and various other companies have gotten full access of my data, the HSBC bank in XXXX XXXX might have disclosed all of my data. The police wont help and they are very corrupt in this city, the FCA haven't helped much. Its caused me a lot of distress, hackers have also been targeting me. Is there another organisation that I can contact?
|
| 08/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My checking account has been frozen since approximately XX/XX/XXXX. I tried to send funds to a different bank via online transfer and then HSBC cancelled the transfer and froze my account. I've called several times and they tell me my account will be closed due to " fraud concerns. '' I have no idea what fraud concerns there are because of course HSBC will not tell me. There is no fraud on the account. HSBC says I will receive a letter in the mail with instructions but I still have not received this letter. Why am I still waiting for a letter in the mail? I don't understand why they can't tell me the issue and what to do. But if they are going to close my account that is fine. Close it and send me my money. There is a significant amount of money in the account ( significant for me ) and I need it. HSBC has frozen my funds for 2 months with no explanation whatsoever.
|
| 12/16/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
In XX/XX/2016, I closed my acct in person at HSBC on XXXX. Around XX/XX/XXXX I receive a note that I owe {$35.00} for overdrawing on my acct and insufficient funds. The amount allegedly overdrawn on my acct was {$45.00} - exactly what I took back from my acct upon closing it. I am XXXX. Ca n't go outside. Do n't want to talk on the phone. I have emailed them and tweeted them explaining everything. All they do is keep telling me to come in or call. Since XXXX they have taken me around in circles. All they need to do is look into it and send me a letter saying my account is closed and that I do n't owe them. I am now wondering if they even closed my acct or do they just send bills out hoping that someone wont pay attention and pay the {$35.00}. The fact that customer service ca n't help me leads me to believe that they are outsourced and are there for appearance only.
|
| 12/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
Release of Deed of Trust for Beneficial Mortgage Co Colorado Record Date XXXX/XXXX/XXXX Document Type Deed of Trust XXXX XXXX, Colorado XXXX XXXX Request for Release of Deed Of Trust.
This Deed of Trust has not been released per my conversation with XXXX at XXXX XXXX Colorado XXXX and Recorder XXXX XXXX, XXXX.
A phone call placed to Customer Resolution Department at HSBC Beneficial Representative XXXX was responded to with how did you get this number which I explained from a letter when I attempted to explain the problem she informed me they had addressed the issue of my previous complaint.
I also sent a letter and a copy of the XXXX XXXX XXXX Verified Report by Certified Return Receipt have received the Receipt it has been received in their office and still I have no resolution to the Release of Deed of Trust for " Recorded Deed of Trust : Reception No : XXXX.
|
| 12/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
In XXXX I moved overseas to live and work in XXXX, XXXX. I lived there for five year and repatriated back to the XXXX XX/XX/XXXX due to COVID and death of parent. While I lived oversea, I was a victim of identity theft in the USA. I attempted to let HSBC know but was told there were charging off my account and told if I didn't pay a settlement my credit would be ruined. I tried to explain I lived oversea and used only my XXXX HSBC account and that the charges were not mine. I paid a settlement based on the amount I believe was closest to that truly owed, and to get the creditor off my back. Now that I know for sure this was ID theft and have filed FTC Identity theft and police reports, I have requested that HSBC remove the adverse comments, late payments and charge off statements on my credit and update the credit report to reflect good standing and paid as agreed.
|
| 09/21/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
Older American |
|
I received a call in XXXX from HSBC collection regarding a charge I did not make. I have not used this card for over a year and it has a zero balance. There is an unauthorized charge on the card and I reported this to the HSBC Fraud division. I have a notice from HSBC dated XXXX XXXX, 2016 informing me of a data breach and the charge took place XXXX XXXX, 2016. HSBC security is denying my claim based on the charge taking place within 20 miles of my home. It is unclear to me what distance has to do with fraud. They have requested a police report to re-open their investigation, I filed and received the report that was submitted to HSBC. They continue to deny my claim. This is XXXX unprofessional and fraudulent on the part of HSBC in protecting my data and financial interests. I have requested they dismiss the charge, interest and penalty and they continue to refuse.
|
| 01/13/2016 |
Yes |
|
|
|
Web |
|
|
I noticed an account on my credit bureau that was showing derogatory on my files. The account belonged to HSBC bank, so I called the phone number that appeared on the credit report and a representative informed me that she was not able to locate the account or there could be a possibility that the account was sold. I informed the customer rep. that i had disputed the information but it was verified and HSBC stated the debt was valid. I have never opened an account with HSBC bank, and i was wondering why are they reporting on an account that they do not have any information on. The customer rep informed me that i should continue disputing it with credit bureau again. I again disputed XX/XX/2015. and the information came verified again. Its infuriating that a non existence and bogus bills are being collected and reported on my credit report which is very inaccurate.
|
| 04/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
I opened a HSBC checking account with promotion {$350.00} opening bonus after complete following task, " Received at l east one qualifying direct deposit per month into your HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. '' ( Exact copy from terms ) In fact, I completed required direct deposit activities, but do NOT get my {$350.00} opening bonus, even after talk with banker as they still insist I do n't completed required activities. Timeline : XXXX / XXXX / XXXX Opening account XXXX / XXXX / XXXX {$500.00} Direct Deposit XXXX / XXXX / XXXX {$500.00} Direct Deposit XXXX / XXXX / XXXX {$500.00} Direct Deposit XXXX / XXXX / XXXX {$500.00} Direct Deposit XXXX / XXXX / XXXX {$500.00} Direct Deposit XXXX / XXXX / XXXX {$500.00} Direct Deposit
|
| 05/02/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX claimed that a credit card debt was mine, but neglected to provide documents to me proving that debt was mine, nothing with my signature, only documents showing statements and payments which I have never made XXXX took me to court and I was set to be able to provide my documentation, when I arrived for my court date I was told the case was vacated and it was found in XXXX favor based on the documentation the judge received from XXXX XXXX never received the documentation even after requesting it through the courts and paying a fee to file the request I also was not even able to state my case at all, never got to stand before the judge The court documents I received showed that the the court notice was sent to XXXX , but the box for " defendant '' was not checked, I wasted my time away from work to go to a court case that never took place
|
| 06/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I am submitting this complaint against HSBC Bank for closing my accounts for retaliation against me.
In the past, I made complain against HSBC Bank for not resolving fraudulent purchases on my credit card, complaint number { XXXX }. HSBC never respond to that complaint, but go ahead closed all my accounts with them ending XXXX and XXXX. Stating that after reviewing my accounts they decided to end a relationship with me. I called and ask HSBC to give a reason why they decided to closed my accounts, but they never give me any answer.
In my opinion, HSBC closed my accounts for retaliation and violation of the fair credit rules.
I am requesting this department to take appropriate action against HSBC Bank to protect my rights. And also request HSBC Bank to bring all the balance on those accounts into XXXX because they have violated the terms of those accounts.
|
| 06/11/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
This collector, XXXX XXXX XXXX, XXXX XXXX XXXX, called my daughter, my ex-husband and me threatening to sue for a credit card bill from XX/XX/XXXX or XX/XX/XXXX, he could n't make up his mind. Then he called and terrorized my ex-husband who agreed to pay {$250.00} and committed me to another {$250.00} the following week.
XXXX XXXX called my job and my cell XXXX times within XXXX hour. He also had a process server call my job, my cell and my office manager. I never authorized contacting me at work. I paid {$750.00} and although asking several times for proof of debt. I emailed and faxed XXXX XXXX requesting this information only to receive a form for me to sign which would authorize him to take money from my account. I never signed the document, altho he took XXXX payments ( {$760.00} ) and XXXX payment by prepaid debit card from my ex-husband ( {$250.00} ).
|
| 05/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
When attempting to make a payment due XX/XX/2018, HSBC blocked my online account therefore was not able to get the address to send the payment to and was not able to make the payment online. I attempted to find the company address online and blindly sent in a check but they returned the check without forwarding it to the correct address. I also attempted to make a payment through their online payment system which would not accept my payment because they said it was past due. After hours of phone calls to numbers that I found online was was finally able to find an address to send a payment to and made the payment.
HSBC made it near impossible for me to send in my payment timely and I have a missed payment on my credit report due to their bullying tactics. I will not dispute the late payment fee but would like the late payment removed from my credit report.
|
| 12/07/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I do n't know if there is a timeliness factor in the mortgage process ; but I have been working with HSBC since XXXX to refinance XXXX investment properties. The processors request the same info over and over ; and then because the process is taking so long ( on their part ) ; they have to request credit reports, income verification, etc a few times. I have responded to all of their requests within a day, I have not been part of this delay. The have sent me no less than 5 or 6 Final Disclosures, Mortgage Commitments. I try to call the reps, and never get through to a person. My biggest issue with this process taking months is that I have other investments properties, with mortgages from other lenders that I wanted to refinance ; but was told to wait until this is completed. Because of these delays, this process is going to end up costing me XXXX of dollars.
|
| 01/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Opened a checking account online XX/XX/XXXX, aiming to take advantage of this {$600.00} bonus offer : XXXX XXXX XXXXXXXX XXXX XXXX I am certain that I clicked Apply now as instructed at that page, and then fulfilled the bonus requirements by setting up regular direct deposits of > $ XXXX. My first full month in compliance was XX/XX/XXXX.
According to the offer, " You will automatically receive the 3 % Cash Bonus in your new HSBC XXXX checking account approximately eight weeks after completing that months qualifying activities. '' But 8 weeks after the end of XXXX came and went with no bonus.
I contacted customer support on XXXX XXXX, XXXX, by chat, was given an issue confirmation number, and told I would hear back in 7-10 business days. On XXXX XXXX, having heard nothing, I contacted them again by chat and I was told to wait another 3-5 business days.
|
| 02/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I have been paying on an old installment loan debt that was with HBSC. After falling behind on payments the debt was supposedly purchased by XXXX XXXX XXXX in 2012. I have paid roughly {$10000.00} of a {$17000.00} debt. However I have repeatedly asked for statements which this company refuses to comply with. I have asked for a copy of the original agreement which I have never received. The company threatened to sue me if I did not set up automatic payments of {$150.00} every other week corresponding with my pay days. They set them up on a debit card but if the debit card does not go through they send it through as a check the following week which can result in a returned check fee if the money is not available. I do not believe I ever agreed to this and do not have a copy of the original agreement. The payment arrangement was set up over the phone in 2012.
|
| 07/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Recently my credit card company has started putting 14 day holds on most of my payments. This is a reward card and I had car payments, cable, cell phone, utilities and other automatic payments posted to this ard to maximize rewards. By failing to give me immediate redit they have made me remove all payments because for most of the month they are not making the funds available They never notified me of this " change '' and I only found out when scheduled transactions were declined. In over four years with this card - credit was granted immediately. I have not had any late payments or returned payments. I believe they saw that I was using the card for full reward benefits and instituted this to prevent me from earning maximum rewards. The card # below is a new card issued, XXXX 2021 and replaces card ending in XXXX which is where the unfair practice started
|
| 02/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
My husband has an account with HSBC. On XX/XX/2019 I went online for the first time to make a payment. I could not figure out where to go to make the payment. So I called HSBC and the representative said I would need to give my social security number to add me, I told him no. So he said that my husband would have to call in to add me. I did a conference call with my husband on the line, and he specifically told them that I did not want a credit card that he was only authorizing me to make changes to the account. We got it settled. On XX/XX/2019 I received two credit cards from them in my name with a credit limit of {$5000.00}. I called HSBC, they said trash them. I got an alert from XXXX XXXX that someone added me to their account. So now this is on my credit report, which I did not want. How do I close this account without it affeecting my credit score.
|
| 07/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am victim of Identity Theft. Someone tried to open many credit card accounts with various banks. All accounts are closed and removed from my credit report except HSBC BANK. I had filed FTC complaint Report # XXXX providing details of HSBC bank along with account details. I had sent dispute letter to HSBC bank dated XX/XX/2018 stating I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ).
HSBC bank has not taken action to remove disputed credit card details from my credit report. Details of the account are as follows : Account Name HSBC BANK Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/2018 Credit Limit {$2700.00} Kindly ensure HSBC Bank gets all the details pertaining to my account removed from my credit reports.
|
| 03/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
I was recently notified ( XX/XX/XXXX) by an employee of HSBC Bank that my checking account has been incurring fees of {$50.00} per month beginning possibly no earlier than XX/XX/XXXX.
After complaining, the bank agreed to reverse 3 months of such fees. This leaves {$200.00} of my funds in the hands of the bank.
The account from which the fees were taken was a zero interest checking account. The bank states that I should have reviewed my bank statements, which I did, but I did not see the charges. The bank stated that they alerted me that the fees would start in an email which I never saw.
The bank also stated that I can open an account without any fees but that requires a lower balance to not incur fees, this I did at least until the fee issue is resolved.
I have had the checking account open since XX/XX/XXXX and was never previously charged a fee.
|
| 02/09/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
submission, [ Case number : XXXX ] I received a response from the HSBC, it was inadequate, they were sued and I was a victim of HSBC failures. they want to hand this issue off to another servicer, as if I was n't serviced by HSBC, repair their image.
I asked for a VA loan, HSBC promised me a principle reduction, my loan is in a modification. I did n't see any paper work in the terms of the modification, which I understood my rate would not change they lied, I did n't see anything about a principle reduction they transferred my loan. please forward my case to the legal department the was recently awarded a settlement HSBC. My case should be awarded like the many of their customers that were caught up with the Mortgage practices of HSBC. please forward my case. I was also kept from doing HARP, by HSBC. I am experiencing a hardship due to HSBC practices.
|
| 03/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I would like to file the complaint as the way XXXX XXXX has worked on the dispute.
Merchant provided the proof of payment but not the proof of service but still HSBC has settled the dispute in merchant 's favor.
I bought attraction ticket which were not activated and had a mishap at the ticket window when the associate at the ticket window of attraction park told me that tickets have not been activated.
I approached the merchant stating the same thing and they mentioned to me that they are investigating.
After waiting for many days, I filed the dispute with the credit card company HSBC and explained them the situation with letters in details explaining the scenario.
But, HSBC settled the dispute in merchant 's favor based on the payment receipt which is in no way able to confirm if the valid tickets ( merchandise in this case ) were provided.
|
| 05/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
I would like to know if I can sue HFC for their violations against me. My spouse passed away three years ago, after he passed away I received a life insurance settlement to pay off XXXX of my mortgage. While waiting, my spouses pension went through and I paid all the back mortgages up to date. At that time I was two months ahead in mortgage. After HFC applied the life insurance I was told I was I was two months behind. I believe HFC owes me two months mortgage. I was paying {$1600.00} a month. I would like for them to pay me the {$3200.00} they owe me. I am attaching a copy from the Department of Financial Institutions findings. I have fought with HFC since my spouse passed away and the only time they respond is if I get consumer affairs involved. I am not asking for what is not mine. Please take a look at my case to see if I can claim my monies back.
|
| 10/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I get monthly credit reports and this month i have a company turn me in collections and i have never heard of the debt, I called the original debt ( HSBC ) holder listed on the report and they kept me on the phone for hours then hung up and i called back they stated it was sold to another company so i ask for the information they sold and said they could not give me that but did give me a company name ( XXXX XXXX XXXX ) so i called them and told them and they said that it was sold to another company ( XXXX XXXX XXXX ) but refuse to give me any other details i ask why i was not sent a letter or invoice and he stated that if i paid my debts things like this would not happen, So then I called the XXXX XXXX 4 times and left a message but get no return callXXXX XXXX is the one that reported it to all three credit reporting agents, i want proof of this debt
|
| 01/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A fraudulent personal loan was opened under my name with wrong address. I requested HSBC to delete account # XXXX with a Balance of {$20000.00} and reported it as fraud but HSBC refused to do sure, and still with the help of the XXXX XXXX XXXX XXXX they are holding me XXXX and damaging my credit report. I submitted the Identity thief report and police report to both HSBC and XXXX but they refused to follow the law and still kept the incorrect information on my credit report. The fraudulent account mentioned above, was deleted from XXXX and XXXX, but XXXX refused to delete the account from my file after I disputed the account more than 10 times. XXXX would do whatever it takes to have the banks use them for their business needs, and it doesn't matter who gets hurt on the way. XXXX does not follow the law instead they are acting as if they are the law.
|
| 06/19/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXXConsumer Financial Protection BureauRe : XXXX XXXX XXXXDear : INVESTIGATORThis letter is to complaint about a problem I am having with the collection company XXXX XXXX XXXX that I been trying to repair since XX/XX/XXXX.
I am dissatisfied with their service because they damage and continue to damage my credit. I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their collection letters and other relevant documents with Balance Discrepancy 's. Unfortunately, the problem remains unresolved. I am hereby requesting that you : please help me with this company to repair the item and clean my credit reportThank you for your anticipated assistance in resolving my problem.
Please contact me at my E-mail : XXXXXXXXXXXX if you have any questions.
Sincerely,
|
| 02/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
XX/XX/19 I just got my HSBC Credit Card, and from the beginning I saw that i made a huge mistake by doing that!!!
At first I registered for Online Banking, and I was restricted from getting any access a minute latter!! .... It took me 3 Days ; and 2 Hours of phone wait to get it resolved!!!
Secondly I saw that they reported to the Credit Bureaus more then a week after I used the card!!!
Then I finally used my card and right away made a payment! I accidentally logged in and what did I see? ... My Payment was sent back, and they charged me {$25.00}!!!!
Finally got back the XXXX dollars, I log in again and I see I have NO AVAILABLE CREDIT!!!!! they told me MY ACCOUNT IS LOCKED!!!
I called the Security Depot. AND I AM WAITING MORE THEN AN HOUR NOW!!!!!!!!
NEED ANYTHING ELSE?!!!!!
DO NOT EVEN DO ANY BUSINESS WITH THEM AT ALL!!!!!!!!!!!!!!!
|
| 11/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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In mid XXXX, I opened a checking account with HSBC. As part of a promotion, they said they would provide me a {$350.00} bonus for keeping {$10000.00} in the account or combination of linked accounts for 90 days. I opened the account and my $ XXXX deposit posted XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX of HSBC contacted me and said if I opened a certificate of deposit and moved the funds to it, they would still count for the bonus as the CD is considered a linked savings. I have this in an email. The money was transferred XX/XX/XXXX and remains there now. It has been well over 90 days and I have not recieved the agreed upon {$350.00}, and my attempts to contact HSBC over online chat have gone nowhere. Please assist.
Note : The balance of my checking account is only {$50.00} because I moved the $ XXXX to the CD account, but the accounts are all linked.
|
| 12/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I was contacted by " XXXX XXXX XXXX '' regarding an old debt from 2008 in my name with XXXX XXXX. They said they attempted to serve me at an address I haven not resided at in 7-8 years and that they are attempting to file a judgement with XXXX for {$3000.00} ( including legal costs ). I was told the attorneys name was XXXX XXXX and to expect a XXXX agreement which I did and screenshotted. Since they failed to know my current address I looked up the company and attorney name. That name is NOT a legal attorney in California. I also called XXXXXXXX XXXX They stated they DO NOT contract out collections and do not have any account in my name open, closed, or in collections. Also I was living in XXXX when that debt was signed for but also resided in XXXX since. Both states statue of limitations have been not only exceeded but almost doubled XXXX XXXX
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| 07/05/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
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|
Web |
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HSBC N/A has been holding up a payment from the XXXX to our account in the amount of {$120000.00} for over 10 days now. We have been receiving transfers from this account dozens of times a year for many years. All the information that HSBC requested has been sent to them repeatedly. HSBC employees routinely lie to us, ask for information that we know they already have, and send us on fool errands to see if we go away. Meanwhile, their illegal retention of our money is causing us serious financial problems.
Specifically, the HSBC employees named below, whose responsibility is to help us in these matters, have refused to even return increasingly urgent calls or emails from myself and my wife, over a period of days, in a extraordinary display of unprofessional conduct.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Finally got a response on when my account will be closed, however in the letter it states that I can move the money in the account yet access to the account won't change ( which is XXXX access since XX/XX/XXXX ) It also states I can request the account be closed before the established closure date of XX/XX/XXXX. However after requesting through multiple channels got told " the account will be closed on the XXXX '' and " oh lets go ahead and wait for the date provided '' completely ignoring my request and explanation that since I can't access the account to move the money out nor do I live close to a branch to do so in person. I just want the account closed and my money returned to me without waiting till the XXXX as we are now past 4 months of me fighting to figure out why and when the account is/was going to be closed for me to recieve my money.
|
| 05/23/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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|
Web |
|
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Hi I have both HSBC Checking and saving account since last year. this year Before I want to close them on XX/XX/2019, I initiated the money transfer from XXXX XXXX Joint account with my wife to pull balance from HSBC. after the HSBC balance become XXXX, I closed both of my accounts. But XXXX XXXX returned the money back to HSBC as I log in XXXX XXXX using my wife 's access, even though it's a joint account. they said the name is not matched. the total balance of {$10000.00} was returned to HSBC on XX/XX/2019. I called XXXX back they are not able to allocate the balance so they have to return to HSBC.I have called HSBC customer service several times ( extension, they are denying they got the money because I already closed my accounts and kept saying XXXX XXXX holds the money. i have double checked with XXXX XXXX, they are not holding this money.
|
| 05/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
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I have had a credit card account with HSBC BankFor the last 2 yearsI paidAt least5 to 20 times more than the minimum payment every month. 2 months agoI tried to use the card after I made a payment of {$800.00} while my minimum payment was only $ XXXXI was denied the use of the card becauseHSBC decreased my credit limit {$800.00} a day after I made my paymentWhat 's causedMyCredit score to decreaseBecause I went fromFrom 50 % Available credit1 %, it show that I used 99 % of my credit and I pacifically made the {$800.00} payment to lower that so IIn the process ofRefinancing my home they did not give me any notice until two weeks later a letter stating that they reviewed my account and I had too many open accounts which I had that many accounts when I Received the card I only added one other credit card account with a XXXX balance and a mortgage.
|
| 12/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
|
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This bank is crazy they lie when I file a complaint they never call me or get back to me just write an email they dont care enough their executive office and not only that I requested a line increase because Ive been with them for a long time and they have never increased my credit limit and they give me a hard time the reasons with their system returned payments when I dont have Any they wont correct or fix this I dont know who to get ahold of now today to my surprise they hurt me more I received a letter that they decreased my limit how is this fair so Im complaining that they wont increase and I dont agree with the reasons and today I get a letter saying they decreased my limit from {$2500.00} to {$600.00}!! This is a joke this is not fair how can they do this to me And get away with it totally unfair how this bank treats its loyal customers
|
| 10/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
In XXXX I received a solicitation for a HSBC Cash Rewards credit card. I fulfilled the {$500.00} spend requirement in the first statement cycle and as of today the advertised {$150.00} bonus was not credited to my account. However I have noticed in points category the increase of the points pointing to the some type of credit being given. I attempted to contact the HSBC twice about this each time holding in excess of 30 and 24 minutes respectively however I wasn't able to get anyone on the line. My husband complained to the company 's executive office ( he's a journalist ) however beside a form letter promising to look at the issue ( ASAP ) nothing has been resolved and done.
The letter sent to me specifies {$150.00} welcome bonus in cash back and not points that I can not use. I appreciate the bank to issue the {$150.00} credit to my balance.
|
| 12/30/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Last payment was sent in XX/XX/2020 which was right before the pandemic went worldwide, All government offices were closed and I did not have any means to pay since i was out of work for a few months. After I went back to work many government offices were still closed so I waiting until I received a statement or letter from them which never arrived until recently. Now they are charging the wrong amount for non payment. I was owing {$700.00} and now they are charging me {$2000.00}. I do not owe this amount which would have me paying the debt all over again. Please look into this for me since I am not owing the amount they claim. I have no problem paying what I owe but I can not afford to pay the debt again from the beginning amount. They have already collected over {$3000.00} in interest from me XXXX was more than the debt.
Thank you XXXX XXXX
|
| 09/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
In XXXX of this year my brother received a call from XXXX XXXX, XXXX and told him I needed to contact them on a past credit card I owed on. I contacted the company and I was told I had an old credit card balance in the amount of close to {$2000.00} but the creditor would settle for around {$1000.00}. I asked for verification and asked who the company was. They told me they couldn't give out this information but they were getting ready to sue me. I told them it wasn't on my credit report and they explained they didn't have it on there which I thought was strange. I have paid this company {$60.00} a month since XX/XX/2019. I did find out from a representative it was from a bank called HSBC Bank and I have never had a credit card from them. I called asking for my money back but they will not work with me. I do not owe them anything. It is a scan.
|
| 06/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My Hsbc premier credit card ending in XXXX was compromised and someone used my card starting XXXX to end of XXXX. I called in on mid XXXX to cancel the card and they denied the claim stating that I called in for travel notice and some of the charges are Coming from over seas but I called again for the claim stating I cancelled my plan to travel which I called my card company to let them know and they should have note of it. They had sent the letter stating my claim was denied for not filing police report on XXXX to my previous address which I didnt know it until last Sunday. I had to goto police to file the report yesterday for identity theft and the fraud charges. I asked my bank for interest charge reversal and theyre refusing to do so as the claim was denied which amounts around to XXXX $ Worth and they keep charging the finance charge fee.
|
| 07/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
HSBC Bank, XXXX XXXX XXXX has failed to provide valid confirmation through a contractual agreement containing my full signature that a debt is owed for a charged-off balance. I don't recognize any statement balances produced. HSBC Bank, XXXX XXXX XXXX is well aware that I dispute the full charged-off balance amount. HSBC Bank, XXXX XXXX XXXX continues to report a charged-off balance amount and write-off at the same time. HSBC Bank, XXXX XXXX XXXX failed to notify me in writing when the charge-off balance was transferred and to whom should be the proper party to contact, as HSBC Bank XXXX XXXX XXXX XXXX asserts to no longer service this charged-off account balance appearing on my credit reports. HSBC Bank, XXXX XXXX XXXX is causing damaging harm to me and refuses to produce any evidence that a contract agreement containing my signature exists.
|
| 10/01/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I had a select credit account with HSBC where two online Cash advances occurred. XXXX for {$12000.00} and XX/XX/XXXX {$3000.00}. The money was transferred to an online HSBC online money market account ( joint account ) with my wife. The money had been transferred out From the joint to two banks XXXX XXXX and XXXX XXXX XXXX. I called several times to report the issue. This transaction was never tagged as fraud. I have also sent numerous certified letters and have not received any correspondence from the bank. I have sent a police report to HSBC and even went to a branch to speak with a representative and spent 3 hrs on on XX/XX/XXXX to try and resolve the issue. To date i have received no correspondence from HSBC acknowledging the issue. I would like to get an email acknowledging the issue and a reference number for the related investigation.
|
| 09/28/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
On XX/XX/22 I noticed that {$5000.00} and then {$7500.00} had been transferred from one savings account at HSBC bank. I notified Bank Security and all my accounts 2 savings and 1 checking were locked so that no money could leave any of my accounts. On XX/XX/22, I went to the bank and spoke with an officer. In looking at my accounts, he saw that a check in the amount of {$9400.00} had been drawn and cashed against a second savings account. This fraudulent check had been written against a savings account and cashed while the account was locked. I was told that the back office was dealing with the problem. There were no other responses to how this could happen. All monies have been restored to me, with no notification to me from the bank. Additionally, XXXX reward points were stolen from my credit card with HSBC. This too, has been restored.
|
| 09/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Phone call says his name is XXXX does not give me last name asays I owe a debt from XXXX that I paid on he says for nine years then stopped in XXXX Refuses to tell me what the debt is for except the name of some bank I have never heard of HSBC gives me a phone # which I called its a Nevada phone # i have never lived in Nevada or heard of this bank XXXX ( XXXX ) XXXX When i call they answer XXXX XXXX XXXX but I look up this law firm and its different phone # in Nevada and not a debt collector?
This XXXX on phone Threatens to sue me and garnish 25 % of my wages.
I have never heard of this bank and I am so concerned and confused please help me He faxed me a paper wanted me set up payment plan without allowing me to know how I obtained this debt. He has my employers information.
I'm really worried cause I can't understand what is going on.
|
| 04/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
https : //www.us.hsbc.com/ I opened a Premier Checking account with HSBC on XX/XX/2019 in response to their {$750.00} sign-up bonus offer. I opened the account online from the HSBC website following their own promotional link. I have consistently met the deposit requirements and terms of the offer each month since opening the account. My bonus should have been paid by this point. I have attached a screen-capture of the offer posted on the HSBC web page.
I have called HSBC to ask about the status of my bonus offer and the first 1-2 reps could not tell me why my bonus had not been paid. They escalated the claim to a " regional manager '' but I still have not gotten confirmation. I have been told twice to call back at the end of the week to see if there is a resolution. The issue continues to drag out and they are not resolving the issue.
|
| 08/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
HSBC sent a letter of intent to foreclose on a property that was sold to and being serviced by another lender, XXXX XXXX. HSBC would not return my calls. I sent a letter to the local attorney by certified mail, responding to a notice ( asking who owned the loan, who serviced the loan, and total amount due on the loan ) and the attorney never responded in writing or returned any of my repetitive messages. HSBC filed a document with the XXXX XXXX XXXX XXXX XXXX with someone else 's name as an owner on my mortgage foreclosure documents. Someone named XXXX XXXX was signing off on my mortgage foreclosure and I don't even know her. The proof of affidavit was delivered and signed by XXXX XXXX. She was never on the loan that I acquired and never on the deed. Something wrong has gone on which is why I am unable to get any answers. Please help us.
|
| 01/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
Hi I initiated a balance transfer from my HSBC credit card on XX/XX/XXXX for {$4500.00}, with the intent of transferring the money to another card of mine with XXXX XXXX. It is not XX/XX/XXXX.
The {$4500.00} balance has yet to show up on the XXXX XXXX card. My complaint is twofold : 1. I have repeatedly called HSBC for clarity and received no response. I have a Premier Relationship Manager who has not helped. I see this as my only alternative.
2. I am being charged interest on my HSBC credit card for the balance transfer, but am not receiving the interest reduction on my XXXX. With no clarity on when the transfer will occur ( i have been told multiple time frames ), I do not know when I will get the benefit on my XXXX. Delay in applying the balance transfer is a misrepresentation and dishonest ( and hopefully illegal ).
Thanks XXXX
|
| 08/11/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am writing to you about an account that XXXX XXXX XXXX XXXX which they purchased from another company called XXXX XXXX XXXX ( Preditory Lending ). My account has been written off by the vendor for over 7 years or so ago. On my last credit report which it did state it was written off and then the amount on that account was about XXXX4 times less than what they are claiming. I have all of my credit reports stating that fact. Also, They have been calling my house non-stop. Getting about XXXX of their calls about this. Then non-stop letters in the mail about this as well. I will be sending this information and my concerns to the Federal level, XXXX MN and also my congress person XXXX about this matter. I already tried talking to XXXX of their representatives about this matter, but all he did was yell at me and also treated me like garbage.
|
| 02/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Beneficial Homeowner Service Corporation is not taking responsibility for incorrectly posting a payment to our home loan in XXXX 2014. They took our XXXX 2014 payment and applied it to XXXX 2014 after they had already posted a payment to the account for XXXX 2014. In XXXX 2014 they told the bankruptcy court that we were up to date. In XXXX 2014 they told the New York State Attorney General that we were up to date. Their own accounting records which they sent to us show that we were up to date when they made this mistake in XXXX 2014. When they sold our loan to XXXX effective XXXX XXXX, 2014 they provided them with false information forcing XXXX to assess their own late fees and require us to make another monthly payment to bring our account current. It is clear that Beneficial can not understand and decipher their own accounting records.
|
| 02/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I opened an HSBC account in XX/XX/XXXX and by XX/XX/XXXX I was advised by HBSBC bank that they are going to close the account and send the funds to me within 10-15 business days. It has been almost 3 months and i still haven't received my funds. I have contacted them on numerous occasions asking for an update/resolution however nothing is being done. I went to their branches and they refer me back to customer service which refers me back to branch. On XX/XX/XXXX I contacted them again asking for an update and i was placed on 45 minute hold after that call was disconnected. There are over {$1400.00} funds in my account and i can not access them for some reason and this is has been extremely frustrating. HSBC bank isn't telling me anything nor providing solutions. I need someone from HSBC to resolve this matter and give me my money bank.
|
| 05/12/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I received a call from XXXX XXXX with XXXX XXXX. He and his staff have used abusive collection tactics on a debt that is over XXXX XXXX XXXX. I have been threatened about a legal document, being sued, garnishing my wages and placing a lien on my XXXX XXXX or auto. Sued without any notification, calling my job and telling them its an attempt to collect a debt. This is the 3rd and final attempt and they will seek legal action, telling a family member to tell me to put my big girl XXXX on. Calls from XXXX XXXX, XXXX XXXX leaving voice mail messages stating the same thing. HR department forwarding messages of XXXX XXXX calling stating personal stuff about my business. XXXX, employee in the legal department telling me that she will take all of my paychecks, that I do n't pay my bills and let 's see how I like it when they take my paychecks.
|
| 08/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
|
|
I was issued a Cashier Check for the amount {$1200.00} payable to XXXX XXXX from my credit union ( XXXX XXXX XXXX XXXX XXXX XXXX ) as part of a debt consolidation loan. The Check was mailed into my creditor ( XXXX XXXX XXXX XXXX ). The check never reach XXXX instead it was cashed by HSBC which do not service my credit card. My bank and I have repeatedly since XX/XX/2022 reached out to HSBC to return funds to my bank or myself but keep getting the run around. HSBC has acknowledge to my bank they have the funds but have not returned. My banh XXXX has tried to help recover the funds but are now saying it is nothing they can do further. I do not have any accounts with HSBC and am getting nowhere in getting my funds back. This has been going on for 9 months and as the consumer I am out of my money while both banks are mot fixing the issue.
|
| 01/24/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
HSBC Bank suddenly blocked my Checking Account, XXXX credit cards and ATM card after a check I deposited was returned XX/XX/2016.
I was not even able to view my accounts on-line afterward. I was told the action was initiated by the Fraud Prevention Department of the bank and was directed to talk to them. When I talked to them, they wanted me present the case to my local branch which I did. After a number rounds of talking to the branch people and the department, I was told to contact its Customer Relations Office which I did. The answer I got from it was a letter stating the bank has the right to close my account at any time, for any reason or no reason. I was greatly inconvenienced by their action and lost opportunity to earn over {$1000.00} reward money, let along hours of time spent in visiting and talk to the various individuals.
|
| 08/15/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I was intending to cash a payroll check that was issued by HSBC, the teller told me that I would need to deposit the check in an account because it was too large. So I indicated that I would like to open a checking account then. He looked at me in utter disgust, proceeded to hand me the check back and said " you need {$40000.00} dollars to open an account here '' I never felt so low, nor have I ever experience and form of XXXX. I left at first and then check the terms of opening an account and this man excluded two other options for opening and maintaining an account and one of them was maintaining a monthly balance that was less than the check I wanted to deposit. When I called customer service they confirmed that what I was told was incorrect and asked me the persons name, apologized and said that they do not tolerate that at HSBC.
|
| 01/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
HSBC has advertised that individuals who open an advance checking account and deposit {$10000.00} of new money would receive a {$350.00} bonus. I signed up for the bonus on XX/XX/2018 and received an e-mail that I had to open an account by sending a check to the XXXX office. I sent a check for {$25.00} on XX/XX/XXXX that was cashed on XX/XX/2018. I only received the account number several days later and made an ACH for {$9900.00} on XX/XX/2018.
I called HSBC on XX/XX/2018 to inquire why I did not receive The {$350.00} bonus. I spoke to an individual named XXXX and have been told on all subsequent calls to HSBC that I had to speak to XXXX. On my call with XXXX on XX/XX/2018 I gave him all the information plus the invitation number. My last call with XXXX and HSBC was on XX/XX/XXXX, XXXX and all i have been getting is the run around.
|
| 08/22/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX XXXX XXXX started contacting me last Friday, XX/XX/XXXX. He first contacted my work number and told my broker he was from " XXXX XXXX XXXX '' in California and was trying to deliver legal documents. I called back and he said he was from " XXXX XXXX XXXX '' representing HSBC and if I did not pay a balance of {$6100.00} owed on an old credit card they would submit a lawsuit against me within 24 hours to the court house. I advised I had tried settling with the company in 2011 and there was no resolution. He called me again yesterday, XX/XX/XXXX at XXXX XXXX from XXXX and left me a voicemail stating to call him back or else he would move forward from what we had discussed. He did not leave a call back number, but did state his name " XXXX XXXX " in the voicemail. During none of our conversations did he state the calls were recorded.
|
| 10/07/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I applied to refinance my mortgage with XXXX to get a lower fixed rate. XXXX repeatedly tried to get a recent payment history from Household Finance Corp of Alabama ( HSBC ). This is required by XXXX in order to get a loan approval and HSBC does not report to the credit bureau. This process has been going on since XXXX 2015 with no resolution. HSBC refuses to fax the information and says mailing it will take up to 30 days. It has been well over 60 days without receiving the requested information. XXXX and I have called the company over a dozen times. I believe that HSBC is trying to prevent me from refinancing so that I will be bound to continue paying their predatory rates and fees.
Also, it took a month to get pay off information. That information will be expiring soon and I do not want to wait another 30 days to get that as well.
|
| 02/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
HSBC credit card is showing on my credit report and XXXX XXXX XXXX, XXXX is trying to collect on a debt on HSBC behalf that I am in disagreance in with. It is reporting {$1100.00} - I do not have any knowledge of this account this account was reported to my XXXX credit bureau it is drastically and negatively affecting my credit. I am currently in the process to buy a new home and this company and or HSBC is delaying the process due to this collection account. I have reached out to this XXXX XXXX XXXX twice and they are not able to provide me with current or correct dates. Also, I am filing a formal complaint with the XXXX in regards to this debt collection. Collection agent/agency stated they spoken with me I have never called in at all to speak with anyone at this collection agency. I am exercising my FCRA rights with this debt.
|
| 05/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
Woman named XXXX XXXX called approximately 8 family members threatening " Service '' if I did not respond within an hour. She was very rude and demanding of my family members. She also shared personal information to at least one member. I do not know their process for contacting supposed family members, however if they shared this with one person who else did they share it with. Additionally they refused to name who they were beyond a collection agency. They then called me ( AFTER calling all the members in my family ) from XXXX leaving me a message telling me to contact XXXX to set up payments. When I called this number it was a generic answering machine. I advised them that they are not allowed to threaten me with legal action and that if they wish to serve me they should have my address on record if they are a legitimate company.
|
| 11/16/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
In XXXX my wife and I got a 2nd mortgage on our house thru XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX. It was for a term of 120 payments begining on XXXX/XXXX/XXXX and would be paid off on XXXX/XXXX/XXXX. They were paid in full in XXXX XXXX and have not dropped the lien on our deed. Ca n't get in touch with them due to them going out of business in XXXX. We are trying to refinance our house to a lower interest rate and have been approved all but for the lien they have on the deed. This needs to be removed because they did get their money in XXXX when we filed chapter XXXX in XXXX thru payments. We have final decree papers that show a zero balance for them and this will be a big mess for our estate when we are departed if lien is still on deed. How can this be removed? Any help is great.
|
| 05/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received a notice of cancellation from XXXX XXXX for my homeowners insurance indicating my policy was going to be cancelled XX/XX/2019 for non-payment of premium in the amount of {$1100.00}. I contacted HSBC Bank on XX/XX/2019 at XXXX XXXX, they told me they could not tell if the check was cashed and that I would have to wait until XX/XX/2019. They indicated I had to talk with XXXX XXXX. I phoned XXXX XXXX on XX/XX/2019 at XXXX XXXX. XXXX XXXX asked me to get the check number from HSBC, When I contacted HSBC bank the next day at XXXX, they gave me the check number. They told me they could do nothing more for me. I contacted XXXX XXXX at XXXX, they indicated they never received a check and that I had to contact HSBC to resolve the issue. On XX/XX/2019 I received a letter from XXXX XXXX that they cancelled my homeowners insurance.
|
| 08/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I was a customer of HSBC bank. It XXXX or XXXX I had a personal checking and savings account with them. I called customer service to lodge a complaint that money was removed from my account without my authorization. They investigated it and decided to close my account. Unfortunately, because it was so long ago, I do not recall nor do I have my account number with this corporation. I attempted to open another account with them several years later. I was permitted to open the account. The following day customer service contacted me and informed me they closed my account due to my previous account having been closed by this institution. I feel that their investigation was inconclusive and as a customer, lodging a complaint to them about unauthorized usage of my account, I should have not be penalized for submission of this complaint.
|
| 04/25/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American, Servicemember |
|
I wired XXXX {$100000.00} transfers to an individuals bank account at the HSBC branch in XXXX , NY . The XXXX XXXX XXXX suspected fraud so they recalled the wires. They were put in the hands of the Fraud Department at HSBC bank. This took place on XXXX XXXX , 2016 . I have called numerous times to have the funds returned and have no success. The Fraud Investigator i s XXXX XXXX who I have called many times. I am only able to get his voice mail. It is urgent that I be re-imbursed.I need the funds to pay the real estate loans I secured to send this money. XXXX XXXX 's phone number is XXXX XXXX . The bank info.is as follows, HSBC Bank us Nat.Assn. XXXX XXXX XXXX , and XXXX , XXXX , NY XXXX US, tel. # XXXX . Please intercede for me. I have done all I can to retrieve my money to no avail
|
| 11/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have checking account and credit card in HSBC bank USA from XXXX.
This year ( XXXX ) I noticed there was one time annual fee XXXX $ charged on my credit card account for first time. I did not see annual fee for my credit card account for past eight years ( XXXX ~ XXXX ). I chatted with HSBC on XX/XX/XXXX and got the information I will get XXXX $ back if I close my credit card account. I closed my credit card account and three weeks after, I did not received the check then chatted with HSBC on XX/XX/XXXX again, I got the information XXXX $ will be deposited to my checking account in 2~3 business days. After 2~3 business days, I did not receive it and chat with HSBC on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, every time in chatting, I was told the fee would be deposited into my account in 2~3 business days, but never received it.
|
| 11/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
About three years ago my wife became XXXX and applied for Social Security XXXX. She has an attorney and a solid claim, but is still waiting for a hearing.
Additionally, we began receiving death threats from a XXXX XXXX person and had to relocate from XXXX to XXXX XXXX at our own expense.
These two factors coupled with our son 's need for XXXX not covered by insurance have caused us to deplete our savings.
Because my wife can not work, our income is decreased and has been for more than three years. I work a full time job but we still have a financial hardship.
I have contacted the credit card company repeatedly to ask to participate in their hardship program but there has only been a " we will get back to '' for a response.
I truly need help so as to not default while we are waiting for my wife 's XXXX to be approved.
|
| 11/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I wanted to open a new credit card so I did a search to find one that would give me a bonus for singing up. Based on the results I found I signed up for an HSBC credit card. While I do not have a photo of the signup offer, I was under the impression that I was signing up for a promotion that would give me {$150.00} or {$200.00} cash back after spending {$500.00} or {$1000.00} ( again, I should have taken a picture, but this is the range of the deals I was looking for, and my goal had been to sign up for the best deal I would be eligible for ). I was approved for the card and the account was opened, but now they tell me I need to spend more than {$2000.00} to get the bonus. I don't spend that much money on my credit cards and never would have signed up for an offer like that. Now I have a mark on my credit report all for nothing.
|
| 10/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I spoke to a representative about a couple of weeks who said that they had sent information regarding their claim to the wrong address. I explained that they had the incorrect address and also that I never had a personal loan with HSBC. I tried to give the correct information so that they would send the information to me so that I could dispute it. The representative would not allow me to. They said that they would just notate that I refused to pay. I told them that they were not adhering to Fair Debt Collection Practices Act and they said that they did not have to because they are not debt collectors. They called again today with a recorded messaged saying that I was avoiding my responsibilities. I have never had a loan with HSBC. I need for them to verify the information that they are using so that I can file a proper dispute.
|
| 06/27/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Older American |
|
We had a XXXX mortgage with HSBC.We received a Cancellation of Debt from HSBC dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. Months later we received another copy of Cancellation of Debt which was dated XXXX/XXXX/XXXX. This form said it was corrected and stated the debt discharged was XXXX.The XXXX discharged {$24000.00}. We heard nothing from HSBC or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At this time we heard from XXXX XXXX XXXX.
XXXX claimed we owed $ XXXX+with late fees. We were able to get a loan modification on our XXXX mortgage due to my being forced to retire due to health issues and we could not afford our XXXX mortgage monthly payments. We are still struggling with our monthly mortgage payments and we heard out of a 4yr. silence that we owe for a XXXX mortgage. There is no way we can pay this back on our current fixed income.
|
| 06/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Ongoing issue with HSBC bank regarding payment not posting account. There seem to be six or more credit card services and deposit account banks in the United States. The holding company for them is HSBC Holdings PLC XXXX XXXX XXXX XXXX Floor XXXX, XXXX XXXX XXXX XXXX. I bank certified copies of payments that are in dispute attached. The branch that captured these payments in XXXX, XXXX seems to have gone out of business. however, the payments never came back to me or applied to the current HSBC credit card..
This process has gone on for 16 months and no resolution has been made. My credit score has gone down more than 120 points, I have been denied loans and my business is at a stand still. Credit card companies have lowered the credit availability about {$40000.00}. I was denied a XXXX XXXX and a XXXX XXXX of {$45000.00}
|
| 08/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I received a concerning call today from an unknown NY number. I picked up and the lady asked " Is this HSBC? '' and I was puzzled. I said " No, are you HSBC? ". She replied " No, I'm an HSBC customer ... I was given this number to call by an HSBC employee. '' It is very, very concerning that my personal phone number was supposedly given out to another HSBC customer. Error or not, that is an absolute violation of customer privacy and potentially illegal.
The lady did NOT ask me any questions or try to get ANY information from me, which leads me to believe she was not a fraudulent caller or scammer. I've had my fair share of scammer calls and I know when something is an accidental call vs. a scammer and this was certainly the former.
HSBC needs to be investigated immediately for their practices on using consumer information.
|
| 11/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XXXX XXXX XXXX : I received an email sent by an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, asked me to clarify some of the details listed on my original application, " if you have any affiliation with a XXXX XXXX ''.
I responded " No '' because I don't know this person or any connection with that person On XX/XX/ : I received a further inquires from above XXXX, asked me my funding source, " please clarify in detail why would funds originate from the XXXX if you live and work in XXXX '' I responded that the money is from my other bank accounts with XXXX XXXX XXXX XXXX XXXX XXXX salary Wired from XXXX.
On XXXX XXXX XXXX, I contacted HSBC XXXX XXXX XXXX XXXX via phone, the customer services told me they will call me back, but no callback or email response.
On XXXX XXXX XXXX, I found all my accounts are closed.
|
| 12/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
1 ) The Account Opening Date is referenced, but not specified, in the account documents for all my HSBC USA bank accounts. I need to know the opening dates of my accounts in order to correctly interpret my rights and obligations under the account documents, yet the bank refuses to tell me the opening dates. They claim it would be a security risk to disclose the opening dates over the phone, even after I have correctly identified myself through my voice print and personal data. They refer me to the account statements and other communications, yet these documents do not specify the opening dates. They refer me to my nearest HSBC branch, which is 25 miles from my home.
2 ) I still have not been given a specific reason why my access to my accounts was blocked, without notice or explanation, from XX/XX/2018, through XX/XX/2018.
|
| 07/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have received repeated calls from XXXX XXXX XXXX ( XXXX ) XXXX today was XXXX XXXX regarding a debt from XXXX XXXX HSBC.
Per XXXX there is a balance of {$900.00} something dollars in default as of XX/XX/2016 account ending in XXXX, and they can settle the debt for XXXX if paid today. This is apparently a company that received an old list of collection accounts and are trying to scam people out of money they've already settled or paid in full. I was a victim of a credit card opened in my name, therefore it was identity theft, but I had to pay the settlement with HSBC to get off my credit report which was cheaper than hiring an attorney. I'm seeking someone to put an end to this company preying on the innocent and debt free with old information just to line their pockets with money. If HSBC can help that would be great.
|
| 01/09/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened an account with HSBC then I transferred all my savings to their 'Online ' Saving Account ( HSBC Direct Saving ).
Later, HSBC suspended my account because I tried to transfer some of my savings to another bank ( XXXX ).
Now, HSBC wants me to drive to the nearest branch to verify my identity, and the nearest branch is 5 hours away. 10 hours in total.
Currently, my account is locked and can't be closed.
I opened an online saving account, NOT a traditional savings account. Online banks like XXXX doesn't have any branches.
This is why it sounds odd and ridiculous for requiring me to drive 5hrs to the nearest HSBC branch to verify my identity after I deposited all my savings.
My account has been suspended for almost a month already. The money in the account is needed for utility bills and mortgage payments.
|
| 01/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Bank involved : HSBC Bank USA, N.A XXXX XXXX XXXX XXXX, NY XXXX I tried to open HSBC Advanced checking account and was declined stating that they are unable to verify the identity of me.
Then I got report from all 3 credit reporting agency and found that my address, SS #, name, etc.. are perfectly matching and hence I am identifiable. Per the credit agency report, HSBC made enquiry to XXXX and got info which is perfectly identifying me. My credit score is XXXX. On same day I am able to open accounts in other bank. I also uploaded address proof to HSBC bank but still they denied my application. In fact they were able to verify my other bank account also by exchanging few cents for ACH verification before denying my application.
When called HSBC all they can say is " HSBC don't want to do business with me at this time ''.
|
| 05/16/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My S.S. was used to obtain money from my checking account. I have closed the account and the original debt was written off and then sold to HSBC. I have NO intention of making any payments on this account and have told them repeatedly. Started getting calls from HSBC, XXXX XXXX, about two months ago on my cell phone from XXXX ext. XXXX and XXXX. I asked her to stop calling. Now she is calling my place of employment and leaving message with my Manager that it is URGENT I call her. I called her this evening and said that she is not to call my employer ever again and she started screaming at me over the phone, I could not even talk. It was absolutely disgusting. I couldn't even understand what she was saying half the time she was just yelling and cussing. If it happens again I will record the call and post it on social media.
|
| 04/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Im a global HSBC Premier customer. At signing- I was told if I maintain {$75000.00} or more in my accounts, I would not be charged any fees. While maintaining over $ 200k in these accounts- I noticed {$50.00} fees being subtracted monthly for a total of 25 months! I called 3 times and finally had XXXX of these reimbursed- and have called XXXX times per week and interacted with online chat for the last 3 months - getting nowhere on the other XXXX {$50.00} payments hijacked from the account- a total of {$650.00} is still owed, PLUS the interest lost and accumulated on the accounts for the past XXXX months. Im in a circular loop with them and can't seem to get anyone to take accountability with the bank. I want to get my money- transfer it- and fully close the accounts. This is very fraudulent activity thats cost me money.
|
| 01/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/2020, HSBC approved my application for a Premier checking account. Application ID XXXX. This application was completed from HSBCs promotional landing page for the 3 % Cash Bonus offer ( screenshot attached ).
The promotion was to pay up to {$100.00} per month, for 6 months, provided minimum deposits were met.
Following this application, I complied with all terms of the offer, including funding levels to meet the offer terms.
I initially contacted HSBC on XX/XX/XXXX to confirm that the promotion had been successfully applied to the account. They started an internal investigation. After repeated inquiries, they state their marketing system did not correctly attribute my application to the promotion. I reiterated that the application was submitted from the appropriate page. They declined to honor the promotion.
|
| 08/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2018, I paid my HSBC credit card balance off in full. The money was deducted from my checking account with XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. My card was declined when I tried to buy food from a food truck on XX/XX/2018. On XX/XX/2018 at XXXX XXXX PST, I called HSBC to inquire why my credit card was declined on XX/XX/2018. The customer service rep told me that because the payment was such a large amount ( {$1000.00} ) HSBC had to investigate and verify the payment. When I asked why it was taking them 10 days, she said that she did not know, but that the card would be available for use on XX/XX/2018.
Two things are unacceptable : 1. That it took 11 days to process my payment. 2. That I could not use my credit card for 11 days.
If I do not get this resolved to my satisfaction, I will pursue legal action.
|
| 12/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On Monday XXXX XXXX XXXX I received a call from a process server ( XXXX ) telling me to call XXXX and that my case number is XXXX. I did call the number because they called my children which scared them. A woman named XXXX XXXX who claimed to be from XXXX XXXX XXXX firm stated that I am being sued for an outstanding debt from XXXX of {$8000.00} from HSBC Bank , card number XXXX. I told her I have no recollection of this debt and have never recieved any letter stating otherwise. XXXX then had me verify my name and social security number. XXXX also stated that if I do not handle this matter by Thursday XXXX XXXX XXXX then the law firm will file a lawsuit against me for breech of contract and fraud. XXXX of my children then XXXX the number and the results popped up as a scammer and suggested I fill a complaint with the FTC.
|
| 11/19/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Hello, On XX/XX/XXXX, I received a promotional email HSBC regarding my checking account ( see attached PDF. In short, during the 6 months ( starting XX/XX/XXXX and ending XX/XX/XXXX ), customers would earn {$180.00} for performing specific actions -- " Earn {$15.00} per month when youMake 10 new purchases per month using your eligible HSBC Mastercard card ( s ) earn {$15.00} per month for 3 bill pays per moth ''.
Although I faithfully followed the terms, it has been very difficult to get HSBC to properly credit my account as per above. After many interactions with customer service, they've finally credited me {$90.00} ( {$15.00} x 6 months ) for the " bill pay '' portion of the promotion.
They're not crediting my account the additional {$90.00} ( {$15.00} x 6 months ) for the " using card '' portion of the promotion.
|
| 10/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Hi i'm missing a XXXX $ sign up bonus for my checking account, its been past the 8 weeks after qualifying and still no bonus, i tried contacting them about the bonus and they gave me some bs excuse for it saying i had a checking account with them before when I've never banked with them ever in my life.
If i don't receive the bonus i'm gon na close all of my accounts with you guys and let everyone know how bad of a bank this is.
Here are the terms - Choice checking {$200.00} bonus requirements : Open new HSBC Choice checking account by XX/XX/2019 Deposit a minimum qualifying balance of {$1500.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance
|
| 03/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a letter dated XX/XX/XXXX to a XXXX XXXX from XXXX XXXX XXXX, XXXX attempting to collect on a 12 year-old ( and disputed ) {$9000.00} debt. This debt is not only well past the statute of limitations in Idaho and in Washington, it was disputed by me, in writing, to XXXX XXXX XXXX, XXXX, multiple times, the most recent of which was 8 years ago.
I am concerned about this illegal collection letter/attempt and any impact it may have on my credit bureau scores. The illegal collection letter also reads deceptively with a colored band across the upper portion of the letter titled, " Choose a savings plan that works for you. '' Finally, please note : My legal name has not been XXXX XXXX, the name to which this letter was addressed, since XXXX. This alone is a good indicator of how long I have been disputing this debt.
|
| 01/25/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
I bought my first home in 2005 with no money down. At the time I was unfamiliar with the process, but the lenders explained that I would just carry two mortgages. One would be the primary mortgage for the purchase of the home and that would be a traditional 30 Year mortgage and the 2nd would be a 15 year mortgage for the down payment of the home. At the time I thought it was a really good deal. Both mortgages were with XXXX XXXX XXXX. Shortly after I closed the 2nd Mortgage was sold to HFBC who then became HFC Beneficial which is whothe 2nd mortgage is currently with. After I was notified of the sale of the 2nd mortgage I started going over the Amoritzation of the loan and realized that the 2nd loan is actually a Balloon payment. At the end of the 15 years my final payment is the same amount as the original Loan amount.
|
| 03/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
I live in NC and bank with a local bank, on XX/XX/22 my bank. XXXX XXXX XXXX XXXX wired my daughter who is a student in the XXXX {$3500.00}. The US receiving bank was HSBC USA, and they were to send the fund on to the XXXX bank that my daughter banks with, which is also HSBC Bank XXXX. The funds never made it to her acct. and the funds have been sitting with HSBC us. My bank has tried a doz times to reach out to them and ask them to return the funds and they will not reply to any emails sent. Also 3 months later I still have not received the funds back and my local bank feels that they have no more options on how to get my money back or forward it on to my daughters acct. Any help you could do, I would be very great full as this money was for her living expenses over the next quarter for school.
Thank you, XXXX XXXX
|
| 05/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
The company called me today, XX/XX/2022 stating that they have filed a judgement for a debt that was unknown to me at the time of the call. They told me that I would receive a certified letter in the mail. When I called them back to get more information the person I spoke to mentioned a debt that I settled over 15 years ago. He told me that they sent me a letter last week, which I did not receive. To prove his point, he repeated my social security number over and over to me. I asked him to stop and to give me a contact email, fax number, or address to send my settlement letter to. He again repeated my social security number and then hung up without giving me further information.
This company then proceeded to call my immediate family requesting to confirm my mailing address for the certified letter they will send me.
|
| 10/04/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
My online banking account has been locked since XX/XX/2019 and after over 20 phone calls to HSBC, 5 non-responsive emails to their fraud prevention group, the issue has not been addressed. I have filed a formal complaint with HSBC on XX/XX/XXXX and they have not responded to my complaint nor addressed my issue.
Since XXXX, I have not been able to log into my HSBC account and they also will not allow me to reset my password because they believe the account is fraudulent after I've had the account open since XX/XX/2019.
I did not have any suspicious transactions into/out of the account but since it has been locked in XXXX, I am not able to close my account or access my funds.
HSBC is literally the worst bank I have ever dealt with due to their poor customer service, lack of response, and lackluster compliance group
|
| 04/04/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I issued two Real Time Payment transfers on XX/XX/21 from my HSBC savings account to a XXXX account, for {$1500.00} and {$2000.00}. The receipient claims the money never made it to them since their account does not accept RTP transfers and my bank says the recipient accepted the transfers and they need to honor it. I've talked and try to escalate the situation on both ends and keep getting the exact same reply.
Given that HSBC is my bank, I've asked them for an official document that shows that the RTP transfer was successful and that XXXX accepted it, but they don't give me anything. I've raised two investigations and one recall request and they never update me, so I need to keep chasing them for ambiguous updates. It's been almost a month and a half and I'm in the exact same spot I was when I transfered the money.
|
| 12/30/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
XX/XX/XXXX I opened a XXXX XXXX credit card account with XXXX XXXX, the credit limit is {$2500.00}. onXX/XX/XXXX. Once I was approved I asked the bank to do a balance transfer to another Credit card, which is with XXXX XXXX. I received an e-mail on XX/XX/XXXX from HSBC informing me that the transfer took place and XXXX should receive the funds within 7 -10 business days.After not seeing the credit to the credit card fromto XXXX. I decided to follow up with HSBC on XX/XX/XXXX.
I was told by the agent I spoke with that the funds was transmitted to another account and not the one I provided to them and they will investigate and get back with me. I kept calling and was told a copy of the check will be express to me and I can follow up with XXXX. As of date I have not received any correspondence from HSBC only promises.
|
| 03/03/2016 |
Yes |
|
|
|
Web |
|
|
I was recently traveling abroad and encountered a merchant was presenting me a fraudulent bill for services that were never rendered. At first the merchanst said they dont take cards, when I was forced to withdraw cash upto my limit, they then also took my card and proceeded to charge me over XXXX dollars. The merchant was a restuarnat and due to language barriers and their intimidation I could not fully reconcile and figured I would dispute the charge with my bank since no service was actually rendered.
My bank is now saying that they will not refund me the charges or even attempt to investigate the merchant even though its not even registered to any particular business. The maerchant is a none frauder ... and it is card poilcy that anyone that takes a card must advertise it and not upcharge people after the fact.
|
| 12/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Due to a pending divorce from my spouse, I requested a loan modification from my Lender, HSBC, and received an approval today wherein they lowered the payment. However, the interest rate was not changed and is still 9.25 %. This is predatory lending because the current interest rates are 4 % or less and mine is more than double. It appears that they only reamoratized my 30-year mortgage and included my taxes and home insurance payment into the mortgage payment. Previously I paid the principle and interest only and was responsible for paying my yearly taxes and home insurance on my own separately. I have explained to HSBC while I will accept this " modification, '' I am only doing so to preserve my credit and that I am extremely dissatisfied with the fact that my interest in extremely high and not competitive at all.
|
| 09/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am a XXXX. I applied for a HSBC bank account in early XXXX. After the account was approved, I tried to apply for a credit card. When the bank needed additional information many times, I finally approved my credit card application. When they mailed me the credit card, I logged in to the bank and found that the credit card account was abnormal. I called the customer service. They said that the risk department re-examined the XXXX, and at the same time, they closed my bank and checking account. On XX/XX/XXXX, I provided the information according to their requirements. The risk department said that the results would be issued in 3 to 5 working days. I communicated on the phone many times in the middle of the journey. They kept waiting and did not give me a result. It was still frozen until XX/XX/XXXX. Please help me.
|
| 03/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
HSBC is not providing clear information about all the fees for the account.
I suggest you simply go to http : //www.us.hsbc.com and try to find yourself the fees for the Choice Checking. If you go to this product page at https : //www.us.hsbc.comXXXX, you will not find a single link to the complete fee table.
This is an absurd. It should be very visible and accessible.
I had to contact the bank to have access to this information, that should be easily available. I ended finding the link : https : //www.us.hsbc.comXXXX However it does not clearly state how much is it a transfer to my own account in a different bank.
When I attempted to the transaction, no fee was displayed - however knowing how disorganized HSBC is, I can't trust no fee will be charged.
There is a reason why I actually no longer use this bank.
|
| 12/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XX/XX/18 I opened an HSBC Advance online bank account. Shortly after, I have not been able to get access to this online account to transfer any money into it or do any other transaction. Since then I have called HSBC several times to have them resolve the issue with the online account. I have been put on very long holds up to 1 hour or more without any resolution. On one occasion, a representative took my number and told me that someone will call me back to resolve this issue. Nobody ever called since then. Subsequently, I have tried to close this account but have been unable to do so because again I am either being transferred or put on hold for a long time without any resolution. HSBC simply refuses to do anything. And I am sure, 30 days after my account opening they will begin charging their maintenance fees.
|
| 11/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I recently reviewed my Deed of Trust and Release of Deed of Trust on my property located in XXXX XXXX Colorado XXXX. In reviewing it I found a Deed of Trust was filed in or around XX/XX/XXXX which was paid. In XX/XX/XXXX all mortgages were paid in full on my property. Using the information from my XXXX from the mortgage company I sent a letter requesting this be resolved. I sent it Certified Return Receipts. On XXXX XXXX the letter was returned marked no forwarding address. The Mortgage Lender in question is Beneficial Finance and Subsidiaries the address listed on the XXXX was in XXXX NY. I also have attempted to reach them via an internet search and the XXXX number listed on the web site goes to an advertising organization.
I have also found an address of Attn : XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX.
https XXXX
|
| 02/09/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I closed my bank account at HSBC & was told on the phone & sent a letter saying it was closed with a balance of zero. I noticed a late charge from them on my credit report & called. They said they would fix the issue since it was their fault for including a sneaky {$10.00} charge on the account after I closed that then turned into a bigger XXXX from late payments. I never received a letter or call saying that I owed them & I could n't check the status of my account online since it was closed. They did n't resolve the issue & it was then 60 days late. I called again & was assured they would fix it & then it turned into a 90 day late payment. They finally resolved it but never would take that mark off my credit score. I filed a dispute with them through XXXX XXXX multiple times but the late payments remain on there.
|
| 09/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
XXXX XXXX : XXXX XXXX XXXX XXXX approved a loan for $ XXXX@13.39 % for 180 months with a payment of {$960.00} a month.
XXXX XXXX : Household Finance Corporation/HSBC purchased the loan At the time, my mom 's income was from XXXX and a small VA pension from my late father and totaled XXXX a month ( we have proof ). Can send copies of the checks if needed.
We firmly believe this was an illegal and predatory loan. We are currently fighting foreclosure ( court date XXXX XXXX ).
In XX/XX/XXXX, my wife and I, along with my mother, had the deed changed to a " Right of Survivorship '' deed. When she died, the house became ours. We have jumped through all their hoops only to be repeatedly lied to about getting the loan modified. Finally we were told that there would never be a modification b/c we are not on the loan.
|
| 08/12/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This credit card HSBC BANK NEVADAWith the original account # XXXX in the amount of or close to {$15000.00} has more than exceeded the statue of limitations being that their has been no correspondences, payments and or dialogue in more than ( 6 ) years. I would like the credit agencies below to contact XXXX Credit Burea and or other credit agencies to remove this negative mark from my credit report and or issue out a letter to me on my behalf that THE EXPIRATION OF THE CALIFORNIA STATUE OF LIMITATIONS BECAUSE OF MORE THAN ( 6 ) YEARS, LIMITS THEIR ABILITY TO PURSUE LEGAL REMEDIES.
THE CURRENT COLLECTION AGENCY PERTAINING TO THIS HSBC BANK NEVADA CREDIT CARD ACCOUNT # XXXX IN THE AMOUNT OR CLOSE TO $ XXXX XXXX ( their account # XXXXAddress : XXXX XXXX XXXX , XXXX XXXX XXXX. XXXX XXXX, Ca. XXXXPhone : ( XXXX ) XXXX
|
| 08/09/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
My online checking account at HSBC USA was fraudulently accessed ( hacked ). After getting access to my US account, the hacker was able to access my linked accounts in XXXX where I was living at the time. They transferred approximately {$30000.00} to the US accounts, and then attempted a transfer to another account. I notified HSBC USA of the fraud, and they were able to reverse the US transfer. However, I was charged about {$500.00} USD in currency exchange fees, which HSBC refused to reverse -- in fact, they didn't seem to even understand foreign exchange. In effect, HSBC USA profited from this criminal activity. It also took several weeks just to get my funds released, leaving me in XXXX with no money available. While I pursued the matter with every HSBC representative I could I reached a dead end and gave up.
|
| 05/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I received a credit card from hsbc bank. I had issues was not working and received a debt release or credit release indicating since I had not paid my debt, It would be added to my income. Since it was added to my income then it became as a debt that was paid. They should not be reporting to the credit agency as not paid. XXXX, XXXX and XXXX. I have already reported the debt as part of my income and was taxed on that incomed. This appears to be a form of accepting payment twice for credit that was added to my w2 form as a form of income. Is this a legitimate business practice. If it is please explain the law or statue that allows it. Not a business policies. Policies are not laws.
Please assist me. My complaint is with the merchant I will file a dispute with the creditor after I get a response from the merchant.
|
| 07/30/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Debt Collector reporting false information on Credit Report. First Date of Delinquency as XXXX, XXXX dated of delinquency was XXXX, will not put account into closed status causing monthly continual reporting on credit report, also reporting as XXXX XXXX XXXX, false representation. On XXXX report reporting terms which is against regulation for collection agency. Attempts by myself to obtain verification of all information have gone unresponded to. Dispustes thru Credit Reporting Agencies have verified false infomation. contacted HSBC original creditor they will not tell me anything saying pra owns debt now, and that they can not verify debt. i dont know how credit agencies are verifying this then, my only thought is pra is verifying for hsbc. XXXX deleted XXXX lines off my report stating information was not valid.
|
| 07/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
HSBC BANK USA DID A CHARGE BACK ON MY ACCOUNT FOR PURCHASE FOR XXXX PHONE SERVICE. THE PURCHASE WAS ON XX/XX/XXXX FOR {$80.00}. THE CHARGE BACK WAS ON XX/XX/XXXX. THE BOTTOM LINE IS I HAD TO PAY XXXX TWO TIMES WITH THE CREDIT CARD AND GOT CREDIT FOR ONE, I CALLED XXXX ON XX/XX/XXXX, AND THEY ADVISED THAT THE SERVICE WOULD BE DISCONNECTED ON XX/XX/XXXX IF I DID NOT PAY. I ADVISED I PAID BACK ON XX/XX/XXXX. THEY ADVISED HSBC BANK DID A CHARGE BACK. THE BOTTOM LINE IS {$80.00} IS MISSING. I CALLED HSBC ON XX/XX/XXXX AND ADVISED THERE WOULD BE A CREDIT FOR {$80.00} ON THE CREDIT CARD. I AM OUT {$80.00} FOR SHADY DEALINGS WITH THIS COMPANY. I WANT {$80.00} BACK ON MY ACCOUNT AS A CREDIT.. I CALLED HSBC ON XX/XX/XXXX AND THEY ADVISED THEY WOULD CALL BACK. I HAVE BEEN HUNG UP NUMEROUS TIMES AND NOBODY CALLED ME BACK
|
| 08/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I applied for a short sale close to four years ago to HSBC. XXXX years in the process after submitting many documents they claimed they lost my file and that I had to start over. Over the last XXXX years, my attorney and myself have provided all documents to HSBC well before the deadline with a faxed confirmation as proof and now for the XXXX time, HSBC has closed the case and denied claiming they did n't receive the documents despite the proof we sent in. I have had a cash buyer waiting to purchase at a price acceptable to HSBC. Even knowing this, they are asking me for the XXXX time in two years to yet again provide documents only because they claim to not receive. I feel discriminated against, as I know short sale process, and this is very unusual how I have been treated even after following their guidelines.
|
| 04/06/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Signed contract in XX/XX/XXXX with XXXX attorneys for XXXX for reduced debt owed which have been paid in full according to contract agreed upon ( see attached ). Wrote to the attorneys in XX/XX/XXXX stating not only had I paid off the agreed to amount but had actually had overpaid by {$1100.00}. Asked for refund of over payment and told them that I would no longer be making payments since I was n't contractually obligated to. Now, suddenly XXXX is calling my job, home ( and who knows where else ) leaving no messages. They are now calling my daughter 's cell phone repeatedly ( everyday for the last two weeks from different phone numbers ). I am at my wits end with these people and its becoming a major disruption that I have to again deal with something that was should have been resolved. Thank you for your help.
|
| 12/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We have 7.25 % rate mortgage with HFC ( household Finance Beneficial ) They are and have been uncooperative in all aspects of business. They claim to have no fax, or email ... absurdly.
When trying to refi, they strung us out as long as possible we waited a month for a confusing mortgage statement, consisting of XXXX pages ... ( via USPS ) the rates rose, and that hurt us, and also the new lenders could n't make sense of what was sent. " never saw anything like that before ''. It took weeks just to affirm our request, as the agents for HFC somehow did not understand what we wanted. about a dozen calls later, finally we are 'in-line ' for it.
We currently are under a modification of 2 % less interest than normally, no help here either.
Intentional Lies and confusion of facts and numbers ... long term as well
|
| 04/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX HSBC issued a online bill payment, as requested through their app, of {$5800.00} to XXXX XXXX This payment was cashed by another entity on XX/XX/XXXX that is not XXXX XXXX as evidenced by HSBC 's proof of payment ( see enclosed ). XXXX XXXX also signed an affidavit saying they did not receive these funds and sent this affidavit to HSBC on XX/XX/XXXX. We were forced to pay these funds again to XXXX XXXX since HSBC lost the funds. We are waiting for HSBC to respond. They have been claiming, since XXXX that they are " investigating '' and yet, it is now 2 months later and they have failed to reimburse us for these funds and are no longer responding to follow up calls or emails. Please help.
I'm enclosing the proof of payment provided by HSBC showing that they paid the wrong entity. Thank you!!
|
| 07/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened an HSBC Premier checking account on XX/XX/2020 under a promotion called " Share the Experience '' whereby I would receive a {$500.00} and my brother ( XXXX XXXX-the referrer ) would receive {$100.00}. This would be done with a referral code provided by my brother. My brother 's code that I used is XXXX. My brother has already received his {$100.00} bonus within the promised timeframe of 8 weeks of my account opening date, however I have not received my bonus as of XX/XX/2020. HSBC has now surpassed their promised timeframe for providing my {$500.00} bonus and I am requesting they remit the bonus to me as promised. I will provide a picture of my brothers referral code and the link to this referral program.
Link : https : //www.us.hsbc.com/share-the-experience/share-the-experience/XXXX XXXX XXXX XXXX
|
| 09/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
The company XXXX XXXX XXXX, is harassing me for a debt they say I owe, it doesnt even show in my credit history, they say that they sent letters of collection to two address that I have not leave there for more than ten years, and the account was suppose to be in debt since 2012. They have call my work place asking for me and have call my cell phone treading to sue me even take my property away.
I contacted HSBC asking them for information on my debt and they didnt find anything, I called folder dept and found nothing so I wrote a letter asking to get the company name they sold my case to ... I suppose to owe {$660.00}. This is the number to reach XXXX. XXXX number is this XXXX. The place sounds like its empty with an echo, then they call back and has some voices like operators but I didnt hear it before ...
|
| 05/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American, Servicemember |
|
I have been receiving calls saying I have an unpaid balance with hsbc. I never had a hsbc cars. They keep calling and harassing people I know like I am a felon. First it was for a card ending in XXXX today it was XXXX. I never had no cards from them and the reference people they gave me I would not use them as a reference. I am being harassed and threatened with legal action daily. Sending paperwork asking me for a settlement of less than the amount. Contacted the better business bureau they referred me to you. Lady told me over the phone I had been served. Served what. I think my identity may have been stolen as my daughter moved out of a house and may have left paperwork with important numbers on it. Due to the fact the landlords daughter is one of the people they say I used as a reference and I never did.
|
| 02/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
|
|
Web |
|
|
Two charges in the amount of {$160.00} each were posted to my HSBC credit card - one in XX/XX/XXXX and one XX/XX/XXXX ; both charges are fraudulent and unauthorized. Due to difficulty accessing my account online and by phone, I did not become aware of these until XX/XX/XXXX. When I spoke with HSBC fraud dep't. in XXXX, I was promised ( in a recorded conversation ) the refund of both charges. Now in repeated calls they are refusing to refund the earliest charge due the length of time since it occurred. Today I was given a number for the 'presidential dep't '. When I called I was unable to speak with anybody and could only leave a message.
I typically have to spend a half hour or more on the phone with no resolution. ; The company has proven to be the most difficult credit card company I have EVER dealt with.
|
| 10/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I had a checking account at HSBC that I funded in the XXXX 's. My branch is located in XXXX XXXX, Florida. A few years back HSBC decided to close my account. Upon closing they gave me a check in the amount of over {$100000.00} for the balance in my name. The issue is that they would not wire the money to my foreign account, as I am a foreigner, and when they cancelled my account it made it so that other banks in XXXX will not open an account for me. Therefore HSBC has been holding on to my money for years and refuses even after being contacted by my attorney to wire my funds to me. HSBC can not dictate how I receive my funds, and if they are allowed to only give me a check I may never receive these funds. I have not only lost these funds but the interest and growth from its use so I am substantially damaged.
|
| 03/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
XXXX @ XXXX XXXX I received a Text massage call via my phone ( Hi this is XXXX from XXXX XXXX (? ) Delivery Service calling with an urgent message regarding a delivery for both XXXX (? ) XXXX. Please give us a call to our toll free number well provide you with full detail about whats been deliver and help you reschedule. Also due to the COVID-19 is that were doing courtesy calls before sending anything out. Im. ) I received a voice mail also saying that the Reference number is XXXX and to call XXXX.
I called the number and was informed that I had a Balance due on a XXXX XXXX through XXXX from XXXX to XXXX and XXXX XXXX was handling this account and that I had made Payments, I have never had a XXXX XXXX nor have I ever Singed anything authorizing the use of a XXXX XXXX account and I made no such Payments.
|
| 02/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from a 3rd party debt collector who was attempting to collect a debt of XXXX. on or around XX/XX/XXXX. I wrote a response and mailed it XX/XX/XXXX certified mail asking for more information about the debt before further collection attempt be made. the letter from the debt collector showed the last date a payment was made on this account was on XX/XX/XXXX. In Washington state the Statute of limitations to collect is 6 years per ( RCW XXXX ) I stated in my letter if in fact this debt was mine it would be to old to collect by law. The Debt collector didn't provide any information that I requested via my response letter sent certified mail, and in turn sold the junk debt to another collection agency. this should be a direct violation of the law per FDCPA. Thank you for reading my complaint.
|
| 12/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
On XX/XX/2022 I entered into a purchase agreement with an individual who contracted with XXXX XXXX limited for the sale of a vehicle. I was advised to register at the company 's website, I was contacted via email by XXXX 's agent and was supplied all documents related to the transaction. Per the company 's directions, I wired funds on XX/XX/2022. Upon receipt of my funds, the XXXX agent stated they supplied me the wrong account number as the one supplied was for domestic transfers within the XXXX XXXX. The stated they would return the funds accordingly. I advised them to send me the vehicle or return my funds. It has been over XXXX days since they stated my funds would be returned. They will not respond to inquiry at the email address of XXXX and their website no longer interacts/brings up my transaction.
|
| 11/05/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2018 at XXXX EST, I got a phone call from a HSBC collections department representative, asking if I was going to make this month 's payment on time, and if he could get that going for me today.
Payment is due on XX/XX/XXXX, and past due on the XX/XX/XXXX.
I told him I would have it on XX/XX/XXXX, and he seemed to be ok with that.
He then asked about XXXX 's payment, if I would have it on time, and that's when I got a bit angry about his line of questioning, and why I was being called in the first place, since nothing is past due.
I told him that if this is they way they are going to do business with me, then to please don't call me any further because it felt like harassment. I'm not sure he understood, so I repeated to clarify my stand on this issue, but I'm not sure he got the message.
|
| 10/08/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/18 I notified HSBC via their Bank Mail service that a check had been honored on XX/XX/18 that was not written or signed by either myself or my wife. The check image ( attached ) on the website was blank except for the amount of {$40.00} that had been paid.
I do not know how this check came into someone's possession that enabled them to present it, but I consider this to be a criminal act.
Clearly it should never have been accepted by either of the financial institutions that processed it.
HSBC 's response ( attached ) was not even understandable as English.
I also telephoned the check fraud department whose only response was to tell me I should visit a branch to close the account and open a new one.
I wrote to HSBC customer service on XX/XX/18 ( letter attached ) and have received no reply.
|
| 09/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, XXXX I received a phone call from XXXX at XXXX XXXX XXXX. The number he called from was XXXX. He claimed that I owed a debt on an HSBC Mastercard ending in XXXX, that the card was opened XX/XX/XXXX and had been paid up through XX/XX/XXXX. He said that I owed XXXX and he could bring that down to XXXX. While talking to him he claimed that my employer at the time of the card opening was XXXX XXXX which has never been my employer at any time. This tipped me off that this was a fishy attempt to collect a debt that definitely wasn't mine. He gave me a call back number of XXXX and said his extension was XXXX. He also gave me an email address of XXXX I pulled my credit report from XXXX and didn't see this " card '' listed I also pulled up my current credit report and didn't find this debt either.
|
| 06/03/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I contacted the collection agency and we agreed to settle the account at {$250.00}. However, they tried to force me into giving them my banking information which I did not feel comfortable doing specially because they refused to send me a letter confirming the agreement of {$250.00} before making the payment. I sent them a check and a note indication that the check of {$250.00} was for full and final settlement of the account. I also put on the front and back of the check that this payment was for full and final payment of account ending in XXXX which they cashed. I then called the collection agency to request a settled in full letter and they refused and was asked by the manager XXXX XXXX to pay an additional {$200.00} to settle my account. I can provide proof that the check was cashed on XXXX/XXXX/15.
|
| 01/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I contacted XXXX XXXX XXXXXXXX several times, in person, over the phone and through email for almost year starting XX/XX/XXXX. This company refused to fix the error made on my credit report. Despite this company admitting their errors ( please see attached documents ), the refused to remove the item from my credit report. They have damaged and still is damaging my credit causing me to lose a lot of opportunities. I have filed a complaint with CFPB before Complaint ID : XXXX and through BBB ( complaint ID : XXXX ), but this is to no avail. This is my last effort to fix this issue and I am attaching a copy of my XXXX which I am ready to file if this company still refuses to fix their errors on my credit file. Please see all attached documents that I will use as proof of this company 's negligent actions.
|
| 07/15/2015 |
Yes |
|
|
|
Web |
|
|
I had a credit card with HSBC and I used to use it. When the ( HSBC ) card was expire I did n't continue it. I stopped use the card. After that, I think the HSBC sent another new card to the address and at the same time I went to visit in my country. Then someone took my card and used it. Unfortunately I did n't any contact with HSBC because of I never think it 's could be like that. Even I did n't check out my credit report in this time. Finally I knew about it when I to buy a new car with car dealer. When I was finance about my new car the finance ( car dealer ) man told me I have a problem with HSBC. Then I contacted with HSBC and they told me they could n't help me about it because of its passed already more than XXXX days. So please help me to solve it then I will really appreciate for it. Thanks
|
| 02/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Hi there, Sub : XXXX XXXX XXXX XXXX XXXX causes trouble for my personal checking account.
XXXX has been my bank account for many years. The recent merger and move of my accounts to XXXX XXXX has been fraught with problems. For a start XXXX XXXX has high charges for maintaining an account with them.
I am trying to close the account. The related problems I face unable to close cause great mental duress. I am unable to contact any customer service personnel to speak or go to a branch, since they closed the branches near me.
Their customer service help line is non existent. I spent more that 3 hours listening to music. I am anxious that they will keep charging me a maintenance fee for no service.
Please assist me in closing this account.
I will be glad to provide additional details as required.
|
| 01/11/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
we sent a wire on XX/XX/2021 for {$60000.00} dollars to our supplier in XXXX XXXX, XXXX have sent them over the years hundreds of wires, this particular one was never delivered to them since then, we have contacted our bank numerous times, finally back in XX/XX/2021 HSBC bank who is the reciver bank requested more info, we provided everything immediately but neither us or our bank XXXX bank have gotten no reponse,, we finally decided just to call back the funds in XX/XX/2021, and even with that no response, the reciver has gotten in touch with HSBC XXXX XXXX but they are sayin g HSBC usa must answer, we are stuck and need help, ive attached the original wire documents and i will povide all reference numbers, reference # on the recall XXXX original transaction number XXXX original reference numer XXXX
|
| 12/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
My HSBC account in the US was closed due to consumer deposit rules. I filed a series of complaints. I was finally informed by the bank 's relations department that I had the right to reapply for a new account, but the account opening department was because " the old account was closed. '' For reasons not to accept my new application, it is simply an unfair treatment to me. The two departments are playing back and forth, and they didnt seriously solve my problem for me.
The XXXX team told me that the bank has the right to reject my application, and the other team responsible for my past complaints turned out that I have the right to apply for a new account. The HSBC team in the US is very confused and the information communicated is inconsistent. This is for me Said it was extremely unfair treatment
|
| 05/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I participated in the HSBC account opening rewards last year. ( Open a checking account, and then meet the direct deposit of {$500.00} for three consecutive months, and I can receive {$200.00} in account opening rewards within 8 weeks after completing the task ), I am the first I contacted HSBC 's online customer service this time, and he told me that I had successfully completed the task, but the bonus payment needed to wait. About 2 months or so, I contacted HSBC again. The customer service told me that the task was completed. The {$200.00} bonus will be issued on XX/XX/XXXX. Two days ago, I contacted the customer service again to confirm whether the bonus can be received on XX/XX/XXXX. The customer service answered me that I am not eligible to receive the bonus and I am not eligible for the event.
|
| 04/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I signed up for an HSBC checking account because they promised a {$450.00} bonus. I met the requirements, but the 8 weeks came and went without the bonus being paid. I contacted them and said " what's up with that?! '' and they told me I didn't open the account " through the campaign landing page ''! Oh no! A total complete lie! I 100 % did open it though the campaign landing page! Thank goodness I saved PDFs and HTMLs. ( Side note : It is mighty suspicious that the bonus code does not show up anywhere in the application as a text field. Other banks have the code show up somewhere in the application ... for obvious reasons. ) Also, other customers have complained online about HSBC l-y-i-n-g to them and making this exact same excuse to them! Wow!
Anywho ... I'd like my {$450.00} bonus now. Thank you!
|
| 04/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I didn't receive my bill from HSBC last month, and they only contacted me after they had charged me a {$25.00} late fee and {$1.00} in interest. I tried to contact them through their website and over the phone, and both systems were down at the time. So I sent them a letter with a check for the full balance, but I said if they insisted on charging me the fee I'd pay it but I wanted my account closed. I also said if they waived the fee I would continue as a customer. They cashed my check for the full amount due but didn't close my account. And then AFTER my balance was paid in full, they charged me ANOTHER late fee of {$37.00}. I want my account closed and any negative information reported to the credit agencies to be wiped clean. And I'm not paying more late fees after the account balance was zero.
|
| 05/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
Servicemember |
|
My husband and I are trying to refinance our mortgage with XXXX XXXX XXXX XXXX. Beneficial who now holds the mortgage is refusing to send XXXX XXXX a 12 month payment history even though I 've never missed a payment. I think they are doing this on purpose so they can keep collecting the 8.2 % interest I am currently paying them. For 6 weeks they kept telling us they were doing it, then they said because we filed bankruptcy ( of which they were not a part of ) 5 years ago that they ca n't send the request of 12 month payment history to XXXX. This is not the first time I have had problems with Beneficial. I tried to file a complaint with the XXXX last year or year before last because they were not taking the tax payments I was making to them and applying it towards the taxes. That was never resolved.
|
| 12/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I had received a letter from XXXX XXXX XXXX regarding a credit/ debit bank account that was supposedly opened under my previous name XXXX XXXX XXXX from a bank in Nevada which I in fact NEVER had opened. I called the bank explaining the collection letter I received, they had searched high and low using my social security number my married name and my maiden name all which could not be found anywhere in their system..what I was told was to contact the fraud.gov and explain my situation and how these letters are trying to impersonate a company by saying they had an account when In Fact no such account has been opened and they are asking for the customers to repay the banks back giving discounts if we could pay back the money by a certain date.. I have not not will I pay anything to these scammers
|
| 05/08/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
Over the last 5 years, I have attempted to settle this HELOC with HSBC with a single payment, a partial payment lower than what I owe them. The two liens on the house XXXX XXXX is approx. {$410000.00} and the HSBC heloc is with penalties and interest $ XXXX.
The house is worth about $ XXXX.
Over and over they sent me back to loss mitigation to create a payment plan for the {$350000.00} Heloc lien which serves me no purpose as there is no equity in the home for me.
I have written them at least 7 times offering a single payment buyout of the total debt of {$30000.00}, {$20000.00} and {$15000.00} to open a dialogue with them. Nothing.
All I get is a long loss mitigation form and I'm back to square one.
They are now moving forward with a forclosure on the house, the home I wanted to retire in.
|
| 03/10/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/XXXX, I made a domestic wire transfer through HSBC for USDXXXX and the funds have not yet reached their destination, were supposed to arrive on XX/XX/XXXX.
I call to HSBC US on XX/XX/XXXX ( investigation # XXXX ) and after 2 weeks they informed me that the destination bank was requesting clarification about a reference on the transaction, but due to an internal restructuring of the bank, no accounting officer sent the necessary information.
Also, I have a claim # XXXX It is assumed that they have already sent the information but the destination bank ( XXXX XXXX ) has not yet received the funds.
Considering that the payee is my father, attached is his account Statement ( XXXX XXXX ) demonstrating that the amount was not received and also the transaction receipt ( HSBC XXXX XXXX XXXX
|
| 06/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Servicemember |
|
On XX/XX/XXXX received an unsolicited and unauthorized email from XXXX XXXX XXXX claiming I owed a debt from XXXX. I replied to that email asking for a cease and desist and fraud handling. I also asked for no further calls, emails or letters. This debt is also past the statue of limitations and whatever the original creditor was, as they are now out of business, sold this alleged debt.
On XX/XX/XXXX I received a letter from the same company violating the cease and desist that I gave in writing. When I called to ask why XXXX and XXXX could not help or tell me why this letter was sent and could not give me information to contact their legal counsel, consumer advocates or any other department that could review this. I was told if I wanted to know then I would have to remove the cease and desist.
|
| 12/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a new account online with HSBC with a {$100.00} direct deposit. A week later, I used their mobile app to deposit a paper payroll check on Friday XX/XX/XXXX. Upon depositing my payheck, HSBC promptly froze my account completely, blocking me out of online access, ATM machines, or anything related to my account. I showed up at the branch to verify my identity and the legitimacy of the check, but they refused to let me gain access to my account/funds and told me I would have to wait until XX/XX/XXXX at earliest before I could gain access, but they're not completely sure. Before depositing my paycheck, there were no indications, warnings, or description of when I'd have access to my funds, that it may be flagged for fraud for x amount of days, or that my account would be completely frozen.
|
| 11/29/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XX/XX/2013 a undisclosed amount was taken from my account. The bank allowed my payroll check from my employer to be reversed without notifying me to make sure it was no fraudulent activities which it was. The bank failed to secure my money and told me theres nothing they can do and Im basically XXXX out. I dont think its ok that my account should be in the negative because the bank neglected my account. Please can someone help me because my employer lied after I quit my job because he was upset that I left stating that now he doesnt think I deserve my check from XXXX XXXX XXXX At XXXX XXXX XXXX XXXX ny XXXX. I was scammed from both the bank my old employer and his payroll company. The bank saids that have nothing to do with it but they do when I signed a contract with them to protect my money.
|
| 05/23/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
XXXX XXXX and household finance co .owner of this company deed is XXXX XXXX XXXX XXXX ga ..deed filed 1998.
.
XXXX XXXX owner of property and company Also attached is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL .XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga Other companies own by XXXX XXXX XXXX XXXX .all address in this text and company are own and co own by Mr XXXX I have a administratior and attorney on this estate Mr XXXX is deceased her name is XXXX XXXX XXXX # XXXX # XXXX .she has alert me that the XXXX heirs are hide .all this information from her and me and refuse too give too her the information .she need which are the deed to the company s and bank account etc .which is now pass due.
Start with XXXX XXXX and XXXX XXXX and XXXX XXXX.
|
| 02/09/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been trying to get a 24 month mortgage payment history from my current lender, HSBC. I have been trying to get it for over 2 months and tell me they will send it but they never do. They just send letters acknowledging my request. I am trying to refinance out of this high rate adjustable mortgage and they are prohibiting me by not providing my mortgage histories. The new fixed rate loan I am trying to get will save me over {$500.00} per month. How can they refuse to give me this information? They are keeping me in a very bad loan and causing me financial hardship. Everytime I call they say they will send it but so far I have received XXXX letters acknowledging my requests. I did get one history but it was completely ineligible and they did not send one for my XXXX mortgage as requested.
|
| 09/14/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
I opened a checking advance account with HSBC on XX/XX/2020 and I was told I would get a {$220.00} welcome deposit for starting a new Advance checking account. The account ends in XXXX. I was told that in order to qualify I must set a direct deposit and deposit at least {$500.00} for 3 consecutive months and I would get {$220.00} deposited into my account 8 weeks after all qualifying activities. I called on XX/XX/2020 and spoke with XXXX ref XXXX and he said by end of XXXX I should see the deposit. Then I called on XX/XX/2020 XXXX ref XXXX and he said by mid XXXX should see deposit into my account. It already has been 5 months since I opened account and I don't see the deposit I was promised. I have been told many promises but nothing so far. Please provide credit to my account as promised.
|
| 10/31/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American, Servicemember |
|
Time is of the Essence to this request.
I want to file a complaint against HSBC BANK of New York.
I have contacted the HSBC Wire Department and Federal Reserve Bank XXXX without any progress. HSBC wont talk to me! Its my money.
I started a Wire Transfer XX/XX/2019 of XXXX $ Reference # XXXX at XXXX Bank XXXX XXXX XXXX, XXXX XXXX has some arrangement with HSBC Bank in New York to be the intermediary. I contact HSBC and they refused to check status. I contacted XXXX same result. I sent wire expected quick delivery. Please prosecute, penalize and take enforcement action. I paid fee of {$50.00}.
Funds were not transferred and not returned by HSBC Bank New York.
XXXX submitted a Cancellation request on XXXX XXXX and funds have still not been returned!!! HSBC Has had my money for 13 days!
|
| 08/18/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Web |
Older American, Servicemember |
|
We were ignorant enough in 2007 to take a XXXX mortgage with HFC bank. We had had some medical and other financial issues, and they sold us on refinancing through them. In retrospect, it was a very bad move. They came in and appraised our house at XXXX. We signed a mortgage at 10.5 %, as they told us our house would increase in value and we could refinance at a lower rate. Well, the bottom dropped out of the market, and we are still stuck with an underwater mortgage at this usurious rate. We can not refinance because the market has not come back. We owe {$250000.00}, but that is more than our house is worth. HFC will not allow us to refinance at a lower rate, even though the prime rate has been very, very low. I am wondering if there is a way to refinance this loan at a lower interest rate.
|
| 04/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I experienced an unexpected temporary financial hardship and I contacted Beneficial to explore options. The representative that I spoke with suggested that she could offer a deferred payment plan. Notably, I fulfilled the requirements of the payment plan. However, upon a recent review of my credit report, I noticed that Beneficial reported my account delinquent during the deferred payment plan period ( XXXX and XXXX ).
Though I appreciate the deferred payment plan, I am upset that Beneficial failed to disclose that they would report the account delinquent to the credit reporting agencies during this period. Indubitably, if I had known that the account would have been reported as delinquent to the credit reporting agencies - I would have borrowed the money from a friend or a family member.
|
| 07/30/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
In XX/XX/2020, HSBC offered a high-yield savings account with an APY close to 2 %. I opened an HSBC savings account in late XX/XX/2020.
On XX/XX/XXXX, they reduced my APY to 1.70 %.
On XX/XX/XXXX, they reduced my APY to 1.60 %.
On XX/XX/XXXX, they reduced my APY to 1.30 %.
On XX/XX/XXXX, they reduced my APY to 1.01 %.
On XX/XX/XXXX, they reduced my APY to 0.70 %.
Now, after failing to honor their promised APY for even a single month, and systematically gutting my APY every month since I opened the account, they will charge a {$25.00} fee if I close the account within 180 days of opening it.
If they lured me into a savings account with the promise of an APY they couldn't even honor for one month, then they should not be allowed to hold my account hostage with account closure fees.
|
| 12/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX reported a debt for {$2100.00} on my credit report as an account opened in XXXX of 2018. It lists the original creditor as " 08 HSBC Nevada N.A. ". I have only had three credit and merchant accounts in my life and HSBC was not affiliated with either. I had NO credit or merchant cards opened in 2018. I contacted XXXX where the representative refused to provide evidence of this debt or to remove it from my report. Instead insisting only that I owned them {$2100.00}. He refused to open an inquiry of any sort or take any action regarding my dispute. I have disputed this debt with all three credit bureaus and hope that this attempt to scam me is corrected in a timely manner.
HSBC Nevada is apparently no longer in existence as I did try to reach out to them to correct this error.
|
| 11/28/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The collection - XXXX XXXX XXXX XXXX XXXX have been reporting inaccurate information on my credit report. I made a request to have the information removed and they provided me information showing my signatures. However, this information is from the original creditor which is totally inaccurate in amounts and balance owed. They can not base the inaccuracy they are reporting from a file that was provided by the original creditor. The original purchase was made through XXXX in XX/XX/XXXX, then it was transferred to XXXX, and then serviced by XXXX. XXXX XXXX XXXX is a best collector and does not have all the pertinent facts from XXXX to the time the vehicle was returned to the creditor in XXXX voluntarily, and this was not the arrangements made prior with the creditor in XXXX upon settlement.
|
| 06/28/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
We, the Bank sent wire on behalf of our client on XX/XX/2021 for {$13000.00} to HSBC NY routing number XXXX to credit HSBC XXXX XXXX, Swift Code XXXX, to credit beneficiary. The Beneficiary claims the funds have not been received in their account. We have sent 8 service messages to HSBC in New York. The dates the service messages were sent are XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. The messages to HSBC NY are to ask for confirmation of credit and then recalling the funds to be returned. HSBC had not responded or acknowledged any of our service messages. I also contacted Customer Service at HSBC at XXXX, but they were not able to give us any information as we are not their client. As of today XX/XX/2021, we don't know where the funds are at.
|
| 02/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My credit card was stolen and used to make charges. I reported it immediately to the company as soon as I was aware of it. I filed a police report. HSBC continues to try to collect this and has damaged my credit. Some of these charges are in countries I have never been to. HSBC requested I fly at my own expense around the world to all these places to file police reports. They even wanted me to fly to the city in XXXX where their fraud team is in XXXX. They did nothing to investigate and closed their investigation before even providing me with a full list of the charges. I reported to the credit bureaus that these charges were fraudulent and HSBC replied that they " can't contact me ''. I reported these charges within the time required by law. I am not legally responsible for any of them.
|
| 03/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, PA, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports. Thank you.
|
| 07/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I had a HSBC credit card taken few months back and used it for making purchases and also paid the amount in time for the initial statements. I don't know that my card is been blocked for security reasons and even I'm blocked from paying payments towards the amount used in the credit card. Its been almost 60 days by now that my card is been blocked and tried to reach them for 32 times waiting each time for 1 hr and my issue is still not resolved.
Every time I make a call to them they say that this is not the concerned department and transfer the call to some other department and make you to go around making you to wait for almost a day if you want to stay on the call. The longest wait time I had on call is around 3hrs and this is one of the worst customer service you will come across.
|
| 12/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Customer rep with HSBC confirmed I would not receive a fee, advised replacement card and checks would be mailed free of charge. I reached out again and the next rep confirmed she could not see any prior requests, could not tell if a card had been ordered, and was unable to fix the fee which was not my error that had previously been confirmed as waived, and was only able to advise checks are charged/not that my prior request was completed. I previously was transferred to a supervisor, but this time the rep, XXXX, refused. I am concerned with this lack of transparency, applying fees which have been confirmed as waived, and charging for some products when some reps feel like, but not when other reps confirm the products are free. A federal investigation into this transparency is required.
|
| 01/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I have a line of credit, /credit card with HSBC . I lost my credit card XX/XX/2023. I called to speak to a customer service representative to report the card post. I spoke with a representative to review a list of charges before sending me a new card. I lost my card XX/XX/XXXX. When the respresentation went to review the summary of charges they found that for XXXX from XXXX XXXX was charged on my card which I did not authorize on XX/XX/2023. ( XXXX days after it was noted that my card was lost which was XX/XX/2023. HSBC initially went through with my fraud claim, but later rejected.This is my 1st fraud claim with HSBC. I have not ever made CC charges with the XXXX XXXX merchant in the past. The unauthorized fraud charge of XXXX from XXXX XXXX is back and still on my HSBC CC account.
|
| 12/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX, on XX/XX/XXXX, XXXX XXXX/XXXX ( the report does not include information about the creditor ) and on XX/XX/XXXX, HSBC BANK USA XXXX ( the report does not include information about the creditor ) add a hard inquiries on my credit reports.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 06/08/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
Hi, I submitted an application to open an online savings account on XX/XX/XXXX with HSBC. The advertised APY was 1.55 %. When I created the account on XX/XX/XXXX, I used the HSBC live chat to confirm the 1.55 % APY regardless of amount, whether it was $ XXXX or $ XXXX. The customer service agent confirmed my understanding. The application was approved on XX/XX/XXXX and was initially funded with {$1000.00}. The first account statement for XX/XX/2020 - XX/XX/2020 showed an APY of 1.29 %. On XXXX, I received an email that the APY is being further lowered to 1.01 %.
In a matter of 2 weeks, they've lowered the APY 55 bps. I can't close the account within the first 180 days without a {$25.00} cancellation fee. This bank is luring people with false terms and robbing them of their savings.
|
| 10/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
For nine months I have tried to resolve a payment issue with HSBC ( XXXX ) bank credit card. Of nine payments that have cleared my bank, only two have posted the credit card statement. Whenever I call customer service, they never see the depositing their accounts. Twice I sent copies of my bank statement only to never get official confirmation as to how they would handle the issue. In the month of XXXX, 2019 HSBC ( XXXX ) closed my account.
Regardless, my credit report has suffered, having declined more than 120 points in the last 10 months. This has caused me to 1 ) loose over {$15000.00} of credit line on various credit card accounts, 2 ) I can not obtain new credit lines, leave alone financing for my business. These are true hardships that have adverse impacts on my livelihood.
|
| 10/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
On Monday XXXX around XXXX I received a call from XXXX at HSBC Fraud Protection that a credit card application had been opened in my name and that the card was being suspended for use until I returned the call. The number I was suppose to call was XXXX and my reference number was XXXX. I attempted to call back that afternoon, and was on hold for 30 minutes when I had to end the call. The next day in the morning I called the number again and was on hold for 2 hours and after 2 hours the call just ended. Today, a week later, I tried again and was on hold for 2 hours and then my call was abruptly ended. I tried to find an online way to resolve this item without success.
I think HSBC should be held to a higher standard that this level of participation in the financial services industry.
|
| 12/14/2015 |
Yes |
|
|
|
Web |
|
|
I have disputed this item multiple times but have not been successful with getting the file update. HSBC is reporting as a charge off but sent me a letter advising that the account was sold to another company. If this is the case my file should have been updated to report transferred. For five years HSBC has reported incorrect information. I have disputed this file numerous times with XXXX but have not been successful with getting this account to report correctly. Per the FCRA if an account is sold or transferred you can not report the account as a charge off. This reporting has affected my credit in a major way and has caused me to be denied time after time for new credit. HSBC and XXXX should be repsonsible for all damages caused due to there failure to report accurate information.
|
| 08/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I applied for a checking account at XX/XX/2218 with HSBC with a reward of {$750.00} if I maintain a certain balance for 3 months. They rejected my application because they could not run my credit report??? Its currently frozen due to the XXXX breach. Interesting that they would turn my money down to open an checking account without seeing my credit report?
My wife then applied on XX/XX/18 whom does not have frozen credit. She applied and at the completion they told her to wait. Its now XX/XX/18 and HSBC is still making us wait after more then a week??
This just sounds fishy?? HSBC has all our sensitive information in both applications and we are not happy. I almost feel as if they are gathering our personal information for future endeavors without going forward with this program.
|
| 06/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Good morning, I bought my car in 2011. We pay XXXX dollars in cash.
Registration When I had no knowledge that the words ' 'one lien Recorded ' meant I owed money to the bank. My XXXX is not good now, and at that time was worse.
I sold my car XXXX days ago as litter, they paid me {$250.00}, and the person handling the crane said I owed money to the bank. The data take my license, and I explained that I had to communicate with the bank. Try every possible way and I could never reach anyone. For this reason it is that I present this complaint and let me know what else I can do. I not owe money and I would like to clean that my recod. I would like to add that I never received any letter from the bank in XXXX years. Thanks and could please answer in XXXX? I would greatly appreciate it.
|
| 05/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Earlier I made a complaint with CFPB regarding the fraudulent charges on the credit card ending in XXXX and HSBC was asking for a Police report which I filed already on XX/XX/2019. The Police report No. is XXXX and over all 32 charges have been reported as fraudulent amounting to {$1800.00}. They can contact the police department regarding this issue.
So i do not have to make any kind of payments to HSBC, in fact HSBC needs to give me a credit of XXXX.
I have marked all the fraudulent charges in the statements attached below.
Ms. XXXX XXXX of HSBC was supposed to contact me on Monday ( XX/XX/2019 ), but she never did, I called her thousand times but to no avail. HSBC has hired some irresponsible people who do not keep up with their promises. ( Please see her email attached ).
|
| 11/08/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been working with clients for 8 months, trying to obtain a discharge of mortgage for a loan that was paid off in XXXX. The home equity loan was originally obtained in XXXX. We have followed HSBC 's procedure which requires we submit all information via email to the lien release department. This information has been submitted no less than 20 times. We are not able to get any response, we can not get a phone number to speak to someone directly in this lien release department. We have {$40000.00} being held in a title company 's escrow account awaiting the discharge. Without the discharge of mortgage, we are unable to obtain release of the {$40000.00} being held from the sale of this property.
It is ridiculous and highly unprofessional of HSBC to blatantly ignore our requests.
|
| 05/19/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
The customer service number for HSBC personal credit cards is not reachable. I can not cancel the card if lost or stolen, nor can I reach any person to discuss my account. When I called the business line, the representative I spoke with tried reaching the personal credit card customer service number ( XXXX ) XXXX, and she informed me that she could not get through either. This is not the first time I have not been able to reach HSBC. Supposedly, their hours at XXXX - XXXX ET. There have been multiple instances I had been " transferred '' and hung-up on. Their phone system is absolutely deplorable. This is not how a company operating in the US should be conducting business. Please help, I have multiple issues I need to get resolved but am unable to reach anyone at HSBC who can help.
|
| 05/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Yesterday, a man attempted to contact me by calling my brother.
I called this person.. He says that he is attempting to collect a debt. He said that he has sent mail to my home repeatedly regarding a debt I owe to HSBC bank from an account held 2009. I never received this mail.
The man told me that if I don't pay him {$500.00} by the end of the business day toward a balance of about {$1500.00}, he would subpoena me at my job. He said that in the event that I do not pay, my debt would increase to about {$5000.00}, I would have a ding on my credit score, and I would receive a subpoena at my job this Monday.
My court date he said will be XX/XX/XXXX.
I have not received a summons or any mail from HSBC.
I contacted my credit bureau and there hasn't been any sign off from HSBC.
|
| 04/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I requested a copy of my mortgage note from HSBC on XXXX XXXX, XXXX and I have not received the documents yet it has been nearly 2months now. HSBC acquired the mortgage XXXX/XXXX/XXXX and I have paid on time for 12 years. I am seeking assistance from HomeSafe Georgia because I lost my job 10 months ago and due to my age etc. I have yet to get an interview after working 17 years as a contractor to the Centers for Disease Control and Prevention. I need a copy of the note that is required to complete my application. HSBC has not been of any assistance and is using stall tactics to get my home so they can sell for a profit. HSBC purposely has enormous wait times to speak with someone who is not helpful and then badgers you for a next payment date. I am asking for help to save my home.
|
| 06/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Received a call on XX/XX/2023 from XXXX and XXXX from phone number XXXX about a debt on a Compass Gold card through HSBC, which I've never even had. The man threatened to sue me if I didn't pay it. I stated again that I never had a Compass Gold card. He got mad and hung up. I called back and a woman answered. She immediately got aggressive and yelled at me that they were going to sue me. I told her to go ahead and sue me then, because I am not paying a debt that isn't mine. She continued to yell at me for another XXXX seconds or so before hanging up. I tried calling back several times to get some answers as to why they were harassing me. It appeared that my number was then blocked at that point, as it would not ring through and immediately disconnected every time I tried to call.
|
| 10/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
on XX/XX/20 i sent a check to hsbc bank i waited several weeks for the XXXX to be posted. i call hsbc on XX/XX/20 and spoke with a lady first who passed me off to a manager named XXXX he asked if i was paying off the bill i stated i was putting money on my account and i asked him i he could take the esc money to pay loan off in full.. XXXX stated you cant use that esc money to pay off loan. XXXX then stated all pay off have to be paid off in full by a certified bank check.. i question him on the fact every payment for the last 20 years was cashed and it was from my personal bank acct, XXXX then stated the check was mailed back to me ive waited 10 days and still no check/ now i get a letter saying i am delinquent /where my check. please have some one who is people friendly call me
|
| 06/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
My wife received a call from a North Carolina number and the lady that spoke with her was very aggressive. I called the number given ( not a North Carolina number ) and instantly the lady that answered started telling me I was being sued for an account that was not paid since XXXX. She stated it was from HSBC. I asked multiple times to send me some documentation for the debt or give me the date for court and she then hung up on me. I instantly called back asking why she hung up. She stated I was being rude, which I was not in any way. I again asked her why she was not helping me understand what the debt was for and she then hung up on me again. This was XX/XX/2020 at appr XXXX. I also contacted HSBC and they have no record of me ever having an account or my name in their system.
|
| 10/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Servicemember |
|
HSBC is dragging this out rather than just close the account, I did not see any way to update my previous complaint in which the bank refuses to close the account, now they are trying to charge me maintenance fees for an account they refuse to close.
I have no access to the account and do not want it.
I signed up for a promotion they offered, and they did not live up to the promotion, their representatives kept adding conditions that were not disclosed, and then telling me I did n't have the 'right ' kind of account in the first place.
So the promotion was a fraud, I want nothing more to do with them, and their sham of a response 'needing more time ' is just their effort to drag this out and try to collect fees that I do not owe them since the account should have been closed.
|
| 07/02/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
One month ago I received notice from my credit monitoring service that an entry had been made by a collections company. I viewed my report and saw that a company called XXXX XXXX XXXX had requested a copy of my credit report, and then had reported to XXXX and to XXXX that an HSBC account that they alleged belonged to me was in collections. I had never heard of this company, had never received any communications from them, and do not have a HSBC credit card account. XXXX reported to the XXXX bureaus that the open date on this account was XXXX/XXXX/2016 and that there is a balance of {$1500.00}. The entry made by them on the trade line with XXXX reflects XXXX HSBC as their company name, while the company name on the trade line with XXXX states the company name as XXXX XXXX XXXX.
|
| 04/30/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I'm trying to refinance my first mortgage and I have Equity line of credit with HSBC that I'm not including the refinance, per HSBC policies, I sent a subordination agreement package and I followed up with tons of emails and calls, the servicer charged me for the agreement {$250.00} and it's taking 30 days to process the request and they said processing takes 2-3 business days, it has been more than 20 business days with no response and no reply, my rate for the refinance has expired and closing has been postponed 3 times and HSBC mortgage servicer are not cooperating and not providing information, now in additional to the {$250.00} for the agreement, I also paid {$450.00} for the appraisal because according to HSBC policy, I had to provide appraisal report too.
Please help
|
| 10/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Second complaint. Company changed numbers. I was contacted XX/XX/XXXX. Called back 3 times XXXX with no answer. They called my wife at work today threatening a lawsuit they say i owe {$1300.00} from an old HSBC credit card. I asked to please provide me a letter of explanation they got smart rude and obscene then hanged up. I have no way of communicating with them they don't answer my request for documentation. The number belongs to XXXX XXXX XXXX in an XXXX XXXX. They seem to have my last 4 digit social, name and they also know my wife first name. I honestly dont know of this debt and if it ever was true we could be talking decades. Also they keep calling themselves a law firm without explaining who they are and their number does not falls under any business. Please help!!!
|
| 09/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Fraudulent transaction was posted on my HSBC card in XX/XX/2021. I reported it as fraud for the investigation. Account was closed and new account was opened with balance transferred to new account. After multiple calls over months I could get late charges and balance removed last month. I also got letter about collections. Now I see balance back on closed account and statement to pay balance of fraud transactions. Over months this is been very frustrating experience without any communication from HSBC about investigation or conclusion except for asking for payment. I feel this is not fair action from HSBC to collect money reported as fraud. I need help to resolve this problem. All my attempts have failed to resolve this issue. I have all the documentation of chat and mails.
|
| 05/17/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Older American, Servicemember |
|
This is the second claim I have submitted on the bank, HSBC. I sent XXXX wi res to customers of the bank, totaling XXXX from my XXXX XXXX XXXX account. We suspected fraud so they XXXX wires were recalled but the funds have not been returned. The first complaint that I submitted were met by a response from HSBC that called for a letter for indemnity from XXXX XXXX XXXX . The lady in charge of the Fraud Dept at XXXX XXXX XXXX informed me that they are not able to provide such a document. If they wish, I will sign such a letter for them, if it will help get my funds returned. My prior complaint # is XXXX . Please recontact them for me and urge them to cooperate. I urgently need my money. I took out home equity loans to take part in this scam.
|
| 10/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I'm trying to cancel an HSBC personal credit card account. The last couple months, the website payment function is not working, so I try the app, but that doesn't accept payments, so I tried calling, several times, and each time I go through their long menus and finally choose the payment option, it disconnects. I've even tried the other options fraud and stolen/lost card options, and NONE OF THOSE WORK. I have a {$30.00} balance, which is all " late fees '', and I just want to close the account. The " late fee '' is not fair, but I'm at the point I just want to pay it anyway, and close the card/account. How can this scam be allowed? Not having an option at all to pay my bill, and then hitting me with late fees?! I'm XXXX, and can not even get a rep from HSBC on the phone.
|
| 09/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My husband and I filed a Chapter XXXX XX/XX/XXXX-the bankruptcy was paid in full and closed XX/XX/XXXX. HSBC-XXXX/Mortgage services has been over my mortgage since XX/XX/XXXX when my house was purchased. According to the credit reports on file-XXXX, XXXX and XXXX, my mortgage has been paid in full. I have been paying my mortgage each month with no response from HSBC. I have not received any statements showing they have been receiving the money or any statement indicating this account has been paid in full. Please let me know if you can help me get my mortgage information from HSBC. The address for the bank where I have been sending my payments is : HSBC Mortgage Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX my Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
|
| 11/29/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I called the HSBC to close my account of 2 credit cards XXXX XXXX, 2016. I specifically told them to cancel both cards and not open new ones. I then paid the balances of both cards shortly thereafter and expected to have no further dealings with the company. After several weeks I find out that 2 new credit cards were opened and charges were allowed to occur on both of them, without my knowledge or authorization. The charges amounted about {$30.00} per card, but to date, due to interest and late fees, the total is now several hundred dollars on each card. I have called HSBC multiple times this past year to try to resolve this problem and I keep getting bounced back and forth between the customer service dept. and the fraud dept. I have spent hours on the phone to no avail.
|
| 03/11/2016 |
Yes |
|
|
|
Web |
|
|
Credit card account closed over a year ago and continue to get statement and be harassed by HSBC.
In response to complaint filed, HSBC issued a response indicating the credit card account ending - XXXX is closed and that the credit will be deposited to my bank account. Please refer to Case number : XXXX. However, the credit has not be deposited into my bank account or been issued a check in the amount of {$98.00}. Furthermore, I continue to receive credit card statement ( Statement closing date XXXX XXXX, 2016 was received on XXXX XXXX, 2016 ). I understand Consumer Financial Protection Agency can only prompt the business to issue a response, but does the agency not ensure that the business does not lie or compel the business to do what it say it will do in the response?
|
| 03/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a phone call from a company called XXXX XXXX XXXX, phone number XXXX-XXXX-XXXX. A guy said he was calling about a debt from HSBC about an account that had been charged off in 2016, they had tried to contact me but I did not respond and in 48 hours he would start legal action against me. I told him I never had an account and asked for the account number he said it would be on the written complaint, which I would receive. He said I could settle the debt for a smaller amount but would not give me the account number. I called the company and they did not an account in my name and then I checked my credit report and called XXXX and I have never had an account with them. I am very concerned because they have all my information and I want to put an end to this scam.
|
| 01/20/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I had a loan with HSBC for a house I owned. Because of unforeseen circumstances we had to process a died in lieu on my property. This was back in XXXX. I processed and signed everything. Fast forward and I have tired to get a loan on a home and was told I had a forclosure. After many phone calls and research it turns out that HSBC never finished the process of the died in lieu. I even spoke to the lawyer that HSBC used and they verified that the bank just stopped responding to them. So because of that i am unable to purchase a home until XXXX of XXXX. We went back thru the entire process of the died in liue and submitted again ad finally dont correctly. The bank had nothing to offer, even apologizes, as this was their fault and my family left without being to buy a home.
|
| 08/01/2016 |
Yes |
|
|
|
Web |
|
|
I attempted to pay my HSBC XXXX ( Account XXXX ) back in XXXX 2016 via online payment. Thier system was down and I was unable to make the payment after several attempts. I managed to get through and call my payment in. I was refunded late fees due to their system being offline. Later, back in early XXXX, I discovered that they had reported my account delinquent and had been reported to the various credit agencies. They had canceled my account without my knowledge. I tried to get them to remove the negative report, but they insisted they were not at fault - even though they had previously admitted it was their fault when they refunded the late fees. This has caused a series of financial difficulties including a higher car insurance premium and a higher mortgage loan rate.
|
| 03/11/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
This number called me:XXXX. I was told I need to call because of a legal claim against me. Naturally, I called. XXXX XXXX representer told me I will be taken to court and I will lose my XXXX license if I do not pay. He implied that again during the conversations. Then of course, I can only think of that issue and I got my XXXX XXXX. I cried. And basically he said he will hang up and does not need to hear me cry and that I will owe more than I should if I do not resolve this issue with him now. I was told that he is recording our conversation and can be used in court. Please do. Please listen to the recording and see how he intimidates and says he needs to speak with the lawyers and that if by XX/XX/XXXX I will be again taken to court. I will be paying more than I should.
|
| 09/06/2015 |
Yes |
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
A man contacted my XXXX year old grandfather and stated he was looking for me and I had 1 hour to return his call or he would be at my house serving me with warrant papers and arrested due to a auto repo that had taken place almost 7 years earlier. i spent over 2 hours negotiating this old debt over the phone with what seamed a legit company for HSBC. I was assured this debt was settled after making a payment over the phone. It would be cleared from my credit as a closed paid off satisfied debt. This was thought to be resolved over a year ago. After all this the account is still showing open, incorrect dates and owing monies and negatively effecting my credit. I am in disbelief this is still unresolved and mortified these creditors can get away with such drastic threats.
|
| 03/10/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened a bank account with HSBC in XX/XX/XXXX and was told that I would get a promotion bonus as long as I did 2 bill pay over each billing period for the next three cycles. My month statements ends on the XXXX of each month.
I did 2 bill pay on XX/XX/XXXX, 2 on XX/XX/XXXX and 2 on XX/XX/XXXX. When i messaged to ask about the bonus not posting, i was lied that the bonus was for bill pay over three different months, not three billing statements, which is clearly a lie, as I was told in person by the banker it would have been over the billing statements. I met the requirements as the bill pay i did fell in three different billing cycles, but HSBC refuses to pay the bonus.
They should be ashamed by lying to people for fake bonuses, and then changing the requirements.
|
| 05/10/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
issue started with hsbc i n XX/XX/XXXX / XX/XX/XXXX and several collection companies. finally after years of being harassed I got it taken care of thru your agency. But like a bad dream it is back on as a new credit card collection syarting in XX/XX/XXXX and companies are harassing and threating me. I had documents from HSBC that were destroyed in hurricane that was letter from company back years ago stating not mine. it is now being reported as new collection from several companies. One company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX in my old file with you last year is a copy of the letter from them.. this account is over 9 years o ld a nd continues to come back and ruin my credit. please contact me asap XXXX
|
| 12/01/2015 |
Yes |
|
|
|
Web |
|
|
HSBC Bank USA , NA refused to issue a credit balance refund, upon receipt of a written request from me ( the account owner ), stating as their excuse that there was an outstanding XXXXmonth-old 'security hold ' on the account. ( This credit card account had been 'hijacked ' in XXXX 2015. HSBC was not able to resolve account security issues to my satisfaction so I decided to close the account but, first, I needed the credit balance refunded. ) HSBC refused to issue the credit balance refund, as required by Regulation Z XXXX, unless I first lifted the 'security hold ' ; Regulation Z does n't appear to allow that exception. We lifted and immediately reinstated the 'security hold ', as HSBC required and, supposedly, the credit balance refund request is now being processed.
|
| 07/02/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
My Bank ( HSBC ) constantly shuts off my credit card without any notice, after making a " large '' payment. Large to them is around {$200.00}, which is not large to me. I make payments in this amount often, and to the same vendors. I understand if it has to do with Fraud Protection, but it doesnt. Usually when there is a case of Fraud on my card where a large purchase ( always more than {$500.00} ) is made to a strange vendor, HSBC calls me and notifies me as they have placed a hold on my card. But in this incident, they have turned off my card without any notice and it was unpleasantly declined. I do not appreciate HSBC turning off my card or funds WITHOUT notifying me. It is wrong and inconvenient. Especially when it is an amount that i always pay to the same vendor.
|
| 10/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX paid my last collection today that was a debt sold to XXXX XXXX XXXX. The debt I paid off on a negotiated settlement was originally owned by XXXX, XXXX, and the timeline for a legal collection purpose existed. However, upon a discussion with XXXX XXXX XXXX with my attorney on a conference call with me, it was determined that another collection that was originally owned by HSBC Bank Nevada, NA actually defaulted back in XX/XX/XXXX. So it was determined that XXXX XXXX XXXX acquired a debt that was not valid. Accordingly, this collection should have never been reported on any credit bureau. Therefore, I respectfully request through the Consumer Financial Protection Bureau that this item be removed from all credit bureaus immediately and permanently. XXXX XXXX
|
| 05/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Opened an account with HSBC that advertised that it would give {$750.00} to new customers who deposited a minimum of {$5000.00} per month for 3 consecutive months.
I followed their terms and conditions and did that for XXXX, XXXX, and XXXX. I confirmed along the way MULTIPLE TIMES with their chat representatives that all deposits and all terms were being followed. I was told I had met the terms by their agents ( who seem to have been lying to me the whole time deceptively keeping this fraudulent charade ), and then months later have yet to receive funds.
HSBC are liars and will try to lure you in with false advertisements and then decide months later after you've given them their money, and opening an account, that they won't give you the money they advertised.
|
| 08/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I was solicited by HSBC Bank for its credit card from XXXX to XXXX XXXX. Each time they offer XXXX rewards after spending XXXX in the first 3 months. I applied one in XXXX and got a HSBC MasterCard before XXXX XXXX. I spent more than XXXX on it in the first 3 months. When I asked HSBC for my rewards in XXXX XXXX, I was told to wait for a few weeks. Same thing happened when I asked again in May. Then I told them in XXXX XXXX that it's more than a few weeks, the HSBC rep told me that I needed to spend XXXX XXXXn order to get the XXXX rewards. I said their offer only asked for spending XXXX. The rep insisted it was XXXX and I was disqualified. HSBC moved the goal pole from their soliciting offer (from XXXX to XXXX). This is a clear case of bait-and-switch.
|
| 02/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
HSBC paid my taxes out of my escrow account and when it was returned, it had already been paid, they did not return the money to me.
This was because the HSBC account was to be paid off in XXXX 2015. HSBC instead applied it as payments. This kept the account open so they sent the tax payment, which had already been paid by the new mortgage company. When the money was returned the account was closed as I had pointed out their error and they paid off the loan thus closing the account.
I have been trying to get this money since XXXX 2015 and they keep telling me that they are still reviewing it. Customer Service says that they can see where the money was paid and returned but the refund it is handled by another department and all they can do is escalate the request.
|
| 06/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
This is in reference to complaint XXXX which was CLOSED after the company, HSBC, sent me a letter telling me to send copies of my Driver 's license or passport and utility bills through the mail to authenticate me. I spent over three hours on the phone giving DL numbers, date of birth, mother 's maiden name, addresses- old and new, etc.. The credit card account I closed has {$160.00} credit that HSBC is stealing from me ( they will not send a check ). If MY money is not returned to me in a reasonable time I will be contacting the police and sheriffs in both XXXX ( previous address ) and XXXX ( present address ) to have this credit card fraud investigated. The HSBC reference number is ID # XXXX.
The original complaint was opened XX/XX/XXXX and today is XX/XX/XXXX.
|
| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have pulled a copy of my XXXX credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is HSBC. I shows two different dates of XX/XX/17 and XX/XX/17. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!
|
| 05/04/2015 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
I have contacted HSBC and XXXX on several occasions asking for verification of this debt. XXXX just states that they verified the information and it is correct. I asked XXXX to provide me with the information verified and I am told that it is the information on my credit report. I have sent letters to HSBC asking them to please provide information on this account as I believe the account is too old to be reported. HSBC has not responded to my request. I have made attempts to call HSBC but they have their telephone system set up to require you to provide your credit card number or social security number. I have attempted to use my social security number but it does not recognize my information, not allowing me to speak with someone from HSBC to resolve my concern.
|
| 01/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account with XXXX in XX/XX/XXXX being attracted to their welcome bonus. I called numerous times because the bonus was not deposited to my account yet, always got answer that I have met the criteria, bonus it's on the way. Now in XX/XX/XXXX customer service is telling me that I don't qualify since I have had relationship with the bank already. I have a CREDIT CARD with them that was opened before the checking account. Their offer disclosure states " Customers who held an HSBC consumer deposit or investment account not eligible for this offer. '' Credit card is neither consumer deposit or investment account, so they are doing false advertisement.
Their customer service is terrible, horrible and outside US, I'm not getting anywhere with them.
|
| 01/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Tried to open multiple times an HSBC checking between XX/XX/XXXX - XX/XX/XXXX XXXX. Repeated denied : " Dear XXXX, We're writing to notify you that your application for a new HSBC Advance checking account was declined because were unable to verify the identity of the applicant.
If you requested online funding at the time you submitted your application, this transaction has been cancelled.
Sincerely, HSBC Online Account Opening Team '' Even so - I was a customer of the bank in the past ( confirmed, and does not prevent opening ), they had successfully checked my credit reports multiple times which fully confirm my identity ( prof present ). All the information I entered was correct. So the reason presented is absolute invalid nonsense.
Sincerely, XXXX XXXX
|
| 01/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Around XXXX XXXX,2016, I opened a new account at XXXX XXXX wishing to receive the opening account bonus of {$350.00}. The banker told me that the minimum requirement is {$10000.00} for 90 days. She also told me that the {$10000.00} can be in this account or other account like investment account of HSBC and advocated me to open an investment account. Half a year past, I still fail to receive this bonus. So I contacted an agent online a week ago and she said that I should receive this bonus this week. However, today when I contacted them again, another agent said I did n't meet the requirement since money in investment account are not included for receiving this bonus!!
The banker is cheating and I also feel very frustrated. Could you help me dealing with this?
|
| 12/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
My purse was stolen on XX/XX/XXXX along with all of my credit cards. A CFPB complaint was filed by me and HSBC stated that a credit would be made to my account by XX/XX/XXXX. I have called the Fraud Dept. in XXXX on numerous occasions and they say that the account is still being investigated. I asked to have a Supervisor call me back. Nobody called me back. This is a crime shop. How does the Fraud Dept. not know that a letter from HSBC was sent to the CFPB stating that my claim was accepted as fraud and a credit would be made to my account by XX/XX/XXXX. They have denied purchases, failed to credit me back the money, lied to the CFPB and me and have a Fraud Dept. located in XXXX that is Clueless in XXXX. The CFPB better start investigating the banks for fraud!
|
| 07/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX XXXX contacted my husband whom I was not married to at the time that I had the credit card. I have paid this debt and it is over 10 years old. I have repeatedly told them this over an over. They are threatening me to come to my job and they are verbally abusive on the phone.
I have told them over and over that this was taken care of years ago and now they are harassing my husband who I've only been married to for less then a year. They repeatedly call and make accusations.
I am tired of trying to be nice with rude, disrespectful, XXXX ppl who yell and cuss at me.
Please stop call me I have told them if they think its mine to send it to me in the mail but to not call me anymore. Yet, they call from multiple numbers and it's the same thing over and over.
|
| 07/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Servicemember |
|
I have been contacted several times by a company that calls themselves " XXXX XXXX XXXX '' stating that they plan on filing an action against me. They said they would be charging me with bank-fraud because I had an account with HSBC that I felled to honor a payment arrangement I made with them in XX/XX/XXXX. I explained I didn't have an account with HSBC and wanted them to stop calling me. They have called my cell and my office and have threatened to deliver a summons to my job. I asked them to immediately communicate with me in writing and asked again that the calls be stopped. They told me the calls would continue as they have for the past 2 days ( XX/XX/XXXX-XX/XX/XXXX ). I am filing an official report as my first step in pursuing legal action against them.
|
| 09/29/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
I was in XXXX My " debit '' card that I use for ATM purposes was compromised and I was defrauded of about {$2000.00} This international bank does not have a telephone or sms service to alert to a fraud, but they send out an email since it 's a debit card.
With time difference and my travels for XXXX, I missed the email and was defrauded of about {$2000.00} The bank maintains that since it 's a debit card, I am responsible for the loss even though I explained to them that fraud occurred before its alert email. and once, I had called them in response to the alert, no further fraud took place.
For a credit card abuse and theft, there is a complete protection. Why do n't banks offer similar protection for the debit cards when they issue them in the first place
|
| 03/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
The bank this is in reference to is HSBC BANK. I tried using my card to pay my rent and it said that my card was invalid. I tried three more times same status. I contacted the bank and it said I need to wait until Monday and talk to the fraud department. I called they never gave me a reason why my direct deposit was placed on hold. I went to the bank location same results. No one knew what was going on. It has been two months, if I dont call I hear absolutely nothing from them and still no reason for holding my money and said they was closing the account. I just called again today XXXX XXXX. Still the same results just saying that they will note that I called but I still have no results. Ive became homeless because of this incident all while Im fighting XXXX.
|
| 09/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I opened an account with HSBC bank because of the {$350.00} offer they mailed to me, real simple, deposit {$10000.00} into a new account and get the bonus.
Well that was four months ago, no bonus, and the reps for HSBC are saying two things, that even though it 's been FOUR MONTHS since I opened the account, that is n't 8 weeks, and that the account that I opened was n't eligible for the bonus either.
So I want the account closed and do not feel I should have to pay the early closure fee since they did not live up to their end of the deal and this is clearly fraud that they invite people to open an account that they know is n't eligible for the bonus only to trap their money in HSBC.
I want the account closed, no fee, and nothing more to do with HSBC bank.
|
| 01/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I was credit approved for a personal loan # XXXX on XX/XX/2020. Attached is an approval letter ( see Exhibit. 1 ) I have signed the promissory note on XX/XX/2020 and received the following email dated XX/XX/2020 ( see Exhibit. 2 ) stating that the loan funds have been transferred directly into your bank account on XX/XX/2020 ; however, this later turned out to be incorrect as per a letter dated XX/XX/2020 ( in the attached Exhibit.2 ). Per that letter, HSBC has decided to deny the loan based on " documents provided are not acceptable to verify your income ''. Up to this date, I have requested a copy of the executed promissory note and executed loan contract related to this loan for my own personal records ; however, HSBC denies providing me with such copies.
|
| 02/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened an HSBC premier checking account with HSBC with the offer to get {$450.00} after meeting 3 direct deposits of {$5000.00} during 120 days.
I made the following direct deposits : XX/XX/2020 : {$5000.00} XX/XX/2020 : {$5000.00} XX/XX/2020 : $ 5002 Months have passed and HSBC has refused to post the bonus.
Despite multiple follow ups, they give me the run around and have failed to honor the promotion. It is to be noted the promotion is still active and even advertised on HSBC.com. see below for the link https : //www.us.hsbc.com/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HSBC has engaged in blatant bait and switch. I met the terms of the offer and they refused to honor it and have given me the continued run around.
|
| 10/20/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
The original creditor sold the debt to more than one collection agency. I was making payment but I stopped making the payment as soon as these agencies started to contacting me about the same account. One of the collection agency took me to court and I showed the judge all the document to prove my statement. The judge grand me the case and dismissed without prejudice. Therefore, another collection agency has been calling me on my job harassing me and threatening to collect the money from my employment. I tried to explained them that they ca n't do that without a court notice since I was already in court on XXXX 2012 and won the case. But the man was very rude and refused to listen to what I had to say. Please assist me with this matter as soon as possible.
|
| 03/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
Due to Corvid-19, my XXXX XXXX is literally shot down, I'm not making any money to pay my bills. I had called one of my credit cards today HSBC to arrange a deferred payment and I was horrified that they are willing to give me a 60 days deferred payments, however they will keep charging me interest during those 60 days, I believe thats unfair to the consumer thats not at fault for not being able to pay, how can you do that to a consumer mostly with the outstanding credit like myself, thats totally unfair and inhuman to do that. I have a XXXX XXXX credit card and they deferred payments for 90 days, waiving all the late fees and interest for the 90 days, so how can HSBC bank be so unfair.
Hopefully there is something you can do to help with this situation.
|
| 03/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
HSBC has reported late payments on this account to my credit report WRONGFULLY, for 8 months in a row when I paid off the balance on the card every month!
From XX/XX/XXXX till XX/XX/XXXX HSBC BANK reported lates to my credit report erroneously. I have paid off the balance in full every month, have bank statements to prove but HSBC misapplied these payments thus causing lates reported on my credit report .... I have no derogatory credit, ever! This is the only item damaging my credit history and credit worthiness and it is NOT correct. please help resolve this as HSBC is being ignored for a whole year that I wasn't able to reach resolution with them, going in circles from one representative to another with no luck on correcting this mistake of theirs ...
|
| 11/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have received multiple letters and phone calls from HSBC regarding complaints lodged by me for the way they handled my recent refinance. In each instance they make promises about when they will call and talk to me as well as when I will hear back from them in written form. Once again they do not live up to their promises or meet their obligations. The most recent dates that they committed to and that have come and gone were a return phone call that was suppose to happen on XXXX/XXXX/2015. And letters to me promising a written response back to me by XXXX/XXXX/2015 and again by XXXX/XXXX/2015. None of which happened. I am asking that you please take some kind of legal action against them on my behalf. They are not a reputable company to do business with.
|
| 10/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
On XXXX XXXX, 2015 I paid my Mortgage in full. I followed all of the banks processes and procedures to satisfy this loan. Since that time, I have been waiting for the final documentation from this bank showing that the loan has been paid in full and the lien has been removed from my deed. I have made a number of calls to their customer service department and have been told, both by phone and by letter, I would be receiving the documentation soon. My most recent call was made on XXXX XXXX, 2015 where I was advised that the issue is being escalated and I would be contacted within a week to advise me of the status. I have not. I want all the final documentation showing the Morgage has been satisfied and a copy of my deed showing the lien has been satisfied.
|
| 11/29/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
HSBC bank has been misleading, unfair and has discriminated against me as a XXXX Veteran. I believe HSBC has violated federal consumer protection laws or regulations. I was enticed by hungry reps into opening another checking account on XX/XX/2020 with a promise of {$220.00} dollar bonus after 3 months of continued direct deposit. Even though I already had a checking account I was misled into believing that if I opened a new checking account I would get a bonus of {$220.00} and approved without an issue. The bank failed to honor the bonus of {$220.00} and now have repeatedly discriminated against myself as a XXXX Veteran. I have tried contacting them and I have been told there is no record of calls, that I was mistaken, and that the offer has expired.
|
| 12/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Tried to use my card XX/XX/18 and XX/XX/18 and it was declined. Called the number of the back of the card to find out why and after being on hold for nearly an hour was told they couldn't help me. I needed to talk to a specialized fraud department. Gave me a phone number ( XXXX ). Have called them numerous times and get left on hold. System automatically cuts you off after 2 hours so you never get to the front of the line. I have spent nearly 15 hours trying to get someone to answer the phone.
Not only can I not use my card I can not pay my bill online or collect on my earned cash rewards. I want my money back and then I am done with this company ... it is absolutely disgraceful that they would shut a persons card down and then not answer the phone.
|
| 05/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Short version is there is a hard pull being erroneously reported to XXXX by the bank ( HSBC ).
XX/XX/XXXX - I downgrade my creditcard with a phone agent named XXXX, she confirms that there will be no hard pull for this downgrade XX/XX/XXXX - hard pull appears on my credit report, HSBC agent tries to convince me that it is a soft check, I provide evidence showing it's indeed hard and not soft XX/XX/XXXX - HSBC agent XXXX admits erroneous hard pull, provides nominal handout XX/XX/XXXX - HSBC agent XXXX requests the inquiry on XX/XX/XXXX be removed, and that I should wait 60 days for this change to reflect with the credit bureaus.
Hard pull still being erroneously reported, HSBC tells me that " it only affects my score up to 90 days so who cares. ''
|
| 04/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/23, I was called by a courier to verify my identity so that a law suit subpoena could be served to me. I asked for more information and I was given the name of the suitor as XXXX XXXX and the company 's phone number. I called the number and was transferred to a paralegal. The paralegal informed me that I am being sued because of unpaid credit card debt and that I was going to be served the subpoena. Upon asking for more information, I was given a credit card account that I never had, according to my credit report. The amount was for over {$6000.00}. This was probably the third time they've called in as many years. Previously, I contacted the credit card company to inquire about my apparent debt and they had no record of any accounts for me.
|
| 08/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
Dear Manager XXXX XXXX HSBC US, I wish and hope you can help me out of my present financial crisis situation, as XXXX XXXX HSBC XXXX transferred XXXX to XXXX Account. So I request you to help to contact XXXX XXXX to transfer next time directly to my account instead of XXXX, And verify if XXXX XXXX is legitimate.
And how can I claim XXXX back to me, and do I have to pay a fee to receive that amount when it is seperately from The US federal government funds, why will I have to pay {$200.00} fee why it won't be transferred immediately when I'm the beneficiary to request that funds in urgence?
So please reply and explain me know. I'm not a victim of any scam this XXXX is my estate.
Thank you, XXXX XXXX XXXX : I'm looking forward to hearing from you.
|
| 08/18/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
HSBC Mortgage has forced me into forclosure because they refused to do a modification on my loan as i went into a fixed income amount and was unable to afford the set Mortgage payment ... I have been battling to save my house court after court. The bank bought the house back in foreclosure, and being that im in still battling in court, I have paid over XXXX in escrow account, i 've been trying to buy back my house and I have given all the information the bank has requested including bank statements, and it was all a hoax and their just playing around with me, and now their saying we refuse to sell to you! I am almost XXXX years old and i have been living in this house for 25 years, I plan to die there! Please, please I am begging someone to help me!
|
| 03/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX bought my account from HSBC Bank and I reached an agreement with them and paid the account. They refuse to take the account out of collections on my credit report and it is the only collections account I have and it keeps getting me denied credit even though the account is paid. I have sent letters, called and emailed them to please just remove it from my credit report as a collections account. They can leave it as a closed account but not as an active collections account but they refuse. I want this account removed from my credit report as a collection account. How can it be a collection account with it marked paid and a {$0.00} balance. It should not be listed as a collection account just a closed account. Please help me with this.
|
| 12/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
In XX/XX/2022 my account was inaccessible when I attempted to use my debit card. In looking at my mobile app it said my account was suspended. I never received a letter, an email or a phone call stating why this occurred. I called in and was told my account was under investigation for a check I deposited on a closed account. This was a check for a class action suit .. how was I to know it was closed. It was a check for less than XXXX. This consideration to close my account went on for XXXX MONTHS!! During that time I had no access to my funds, my direct deposits and could not pay my rent or bills. I CALLED HSBC OVER XXXX times and never once received anything in writing or my funds until I filed with the FDIC. I LOST EVERYTHING IN THOSE XXXX mos!!
|
| 08/17/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
They are attempting to collect a debt that is over seven years old, since I 've last used the credit card. They are also still adding interest to this out of statute & aged debt as well as falsely reporting it as a new or current debt to the XXXX major credit reporting agencies every month. XXXX XXXX XXXX. should no longer be reporting anything to my credit bureau after seven years. They still are. They are also reporting the last activity date in 2015, unfair collection activity. Scare tactics by purposely trying to impact my current credit rating. More of the same acts they have been sued over on multiple occasions. They are a 3rd party collection agency who has also failed to send me my original contract & signature of the debt they purchased.
|
| 08/18/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XXXX XX/XX/2022 I placed a legitimate wire transfer from my US HSBC checking account to a US account for {$40.00} XXXX. HSBC cancelled the wire as they thought it was fraudulent. They attempted to contact me but I was asleep as was on vacation outside of the US on a different time zone. As soon as I woke up and saw the communication from HSBC I called but the wire had already been cancelled. To date XXXX XX/XX/2022 ( XXXX days later ) the {$40.00} XXXX has not been returned to my account. Numerous chats and calls to HSBC have not resulted in resolution of the problem and I have been unable to pay the person who expected to be paid on XXXX XX/XX/2022 due to lack of funds and have no idea when if ever the funds will be returned to my account.
|
| 01/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We have requested that HSBC ( Household Finance ) correct their own accounting error in which they did n't properly credit our account for 2 monthly mortgage payments of {$1700.00} each or a total of {$3400.00} in XXXX. They sent their own accounting records to us which proved their error and we sent a copy of the records back to them with a letter outlining the error in XXXX XXXX. We have written to them multiple times and they have not taken action to rectify this error. We are now asking them to pay this amount to the company they sold our mortgage to ( XXXX ) toward the principal on our home loan. We are also asking that they pay a penalty to us equal to 6 months of payments ( {$10000.00} ) for failure to respond in a reasonable time frame.
|
| 03/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
Same scenario as my last complaint. All evidence attached.
I used my reward points to redeem a flight. The full amount was charged to my credit card without the corresponding credit related to the points. My card was charged for the entire amount {$780.00} USD, no statement credit was issued.
I contacted the customer service via the phone where they said there was a glitch in the system and the back office team would make the fix. ( CASE ID XXXX ).
I contacted them again for a follow up and the agent could not locate the case and advise I called again at another time where the rewards team would be able to assist ( the work on limited hours only ).
I have used this benefit twice only and both times the same " glitch '' in the system.
|
| 06/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
In XXXX XXXX my bank account was closed by HSBC without properly informing me and telling me why or what reasons they had to closing my account. Ive never had a returned check deposits or a negative balance. Ive called several times asking the bank for the reason of this action since I had just opened my account with them the previous month, and with no notification closed my account with my funds held by this bank. It is now XX/XX/2022 Ive called them and filed a XXXX financial hardship and there department still doesnt have a proper response. I am asking for help since I am running out of patience and dont wan na loose my composure do to my bills arent getting paid and is accruing late payments that are stacking up as I write this message.
|
| 02/05/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I sent a transfer to one of my suppliers in XXXX. my bank XXXX XXXX sent the funds to hsbc XXXX XXXX. using hsbc usa as the intermediary. hsbc usa has not release the funds not have they answered multiple attempts to locate or recall the transfer. it was sent the XXXX of XXXX and I still do not have any information. My bank and myself have tried multiple times by email and phone to get information on this transfer and we have not gotten a response in over 20 days. After the transfer in question i sent another transfer the day after and it went through correctly. So my transfer information is correct. to recap. we sent one that was held and sent another the following day that went through successfully. they have the exact same information.
|
| 11/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
My complaint is that XXXX XXXX XXXX out of XXXX XXXX California called me on XX/XX/XXXX telling me I owed roughly {$3000.00} on a credit card. I know this is not true because I filed it with my bankruptcy in XX/XX/XXXX. The lady that called me said that the lawyer was following through with it today, whatever that meant I dont know. The lady also said that their company may freeze my bank account, put a lien on any property that I own and keep my wages from my employer and take any tax refund that I may be able to receive from the IRS. I never received anything in the mail on this issue and the XX/XX/2018 was the first time I have heard from this company. I dont owe anything to anyone on this credit card and I didnt like them threatening me.
|
| 11/17/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have a letter from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. The letter offers me a settlement opportunity. I have searched through my records and it appears to me that this debt was bought from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. This account was paid in full in XXXX XXXX. I am perplexed as to why XXXX has this when it was paid. My distress at the moment is that it is a negative item on my credit record and I have tried to explain to the company and the credit bureau that this is a mistake and I want it removed from my credit record but I have not gotten any cooperation.
The statute of limitations on debts is XXXX years in Texas. This should not be on my credit record.
|
| 10/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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|
I called HSBC in XXXX about two charges on my Mastercard statement which I did not make so I paid everything but those two charges and was told they would be taken off. They closed that account and issued me a new card. Later that month I received an email stating I was delinquent on my account and charged a late fee even though I paid the remaining bill on time. I have sent several letters and copies of my statement to at least four HSBC locations but did not get any response from HSBC.
It is now XXXX and nothing has been resolved. Now I'm afraid my credit may be in jeopardy. I just want this to be looked into and resolved. I am very uneasy about not being able to hear back from HSBC which is a large institution. Something is not right.
|
| 12/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
HSBC, It seems that they were connected to XXXX XXXX XXXX XXXX and neither company fail to satisfy or release a lien on property at XXXX XXXX XXXX. pa XXXX.
In failing to this my Title Search came up with a large amount of money owed and something that shouldn't of been overlook, Either this was with a refi or transfer or bought. I'm in the process of trying to sell the property and was told that I needed aLetter of Satisfactory or a Corrective Lien Release in order to move forward. I missed one settlement day schedule for the XX/XX/XXXX I have a new date for XX/XX/XXXX and if either one of these companies can assist in a Satisfactory Letter this would so be appreciated and error made correct.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX HSBC XXXX
|
| 09/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I received an invitation from HSBC US to apply for a credit card in the mail. I completed the application online. My application was approved. This happened XX/XX/2019.
I got my credit card XX/XX/2019 and managed to log in on HSBC 's website to view my account.
On XX/XX/2019 I received balance transfer checks in the mail.
However, I can not use the card, because I didn't receive a PIN number from the bank. HSBC claim they can not verify my identity. I have spent 8 hours calling and chatting the bank with no result.
I emailed HSBC 's fraud department a copy of my drivers license XX/XX/2019 and again XX/XX/2019 ( this time from XXXX office ).
Absolutely no response.
Why is this bank allowed to commit this kind of deception in the US?
|
| 07/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My bank HSBC has raised my fixed monthly mortgage payments over XXXX per month again without explanation. Fixed mortgage.Only thing I could get out of the many many phone reps i spoke to is my taxes and hazard insurance has gone up that much. NOT true-Increases amount to a few XXXX per anum total. I sent them ins & tax copies as I received from my brokers.HSBC left New York and I can no longer communicate face to face.When I paid the amount I had been paying every month they sent me a threatening collection letter demanding what they claimed I must pay.I filed same complaint vs. HSBC about a year or two ago and bank was forced to change my monthly billing back to correct amount. It 's extortion, I 'm a XXXX by the way but am helpless here.
|
| 04/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I got a mail invitation from " HSBC Bank USA, NA '' to apply for a credit card and when I applied online, I got rejected due to : Excessive obligations in relation to income The problem is : I have no obligations ; none whatsoever. No mortgage, no auto loan, no outstanding credit card balances, nothing.
When called, they told me to contact XXXX. There is no problem with my XXXX credit report, either. I have verified it.
I believe the problem is due to HSBC Bank 's software systems - when applying online, their web site asked me questions which made no sense ( because none were relevant or applicable to me ). But they refuse to acknowledge their problems, but instead are denying me a credit card illegally and for non-existing reasons.
|
| 04/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was a customer of HSBC for many years. On XX/XX/XXXX I called HSBC to pay off my outstanding balance ( I always paid all of the outstanding balances month after month ) and close off my account. After an hour of back and forth and a confirmation that my balance was paid I was also sent to the rewards department to cash out on the points balance, which was quickly done ( I received {$500.00} worth of gift cards ). XXXX months later I started receiving calls about my " outstanding balance ''. I've had XXXX conversations with XXXX XXXX and XXXX with fraud department and they still won't stop. This is a terrible business and I will never be their customer again. However, I don't know what I'm supposed to do with this other than suing them.
|
| 12/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I received an offer from HSBC bank to get {$350.00} if I open a checking account and keep {$3000.00} balance for 3 month and pay 2 bills per month from the checking account for 3 consecutive month. I did all of this for 3 month and today I received a letter from the bank that they are now closing my account because of some " Rules for Deposit Accounts '' and of course they did n't honor the {$350.00} bonus that they advertised. Very strange, that they opened this account, kept it for 3 month and used my money and when it come to pay the bonus, suddenly I am not qualified for the account. I think it is a fraud on their part and I will bring this matter to the Attorney General 's office and Federal Trade Commissioner if it 's not resolved.
|
| 11/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
We have a mortgage with Benefical Finance XXXX We have been attempting to apply for a HARP mortgage because our interest rate with Benefical is 8.8 %. In completing the application for the HARP loan- XXXX discovered that Benefical has never recorded our mortgage payments with the Credit Bureau . In order to have the best credit rating possible, we were asked to have Benefical report our mortgage payments to the credit bureau. They refused, stating that is not their practice and that they would not do so. We need to have our mortgage reported in order to qualify for the HARP loan. I s there any way we can get Benefical to report our mortgage payments. Our mortgage payment is substantial and it would benefit us greatly to have it reported.
|
| 03/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
2 months ago the bank ( HSBC ) shut my account down. They said that they were closing the banking relationship and that I would receive a letter of explanation and the money held in my account. I have called numerous times and set appointments with my account manager. He met with me on the phone and said that the money and letter should have already gone out. This was a mbout a month ago. Since that meeting via phone, I have set up 3 other phone appointments in which he didnt call me. I have left multiple voicemails which he hasnt returned and I also talked to customer service on several occasions with no resolution. Each time I am told that the letter/check are in processing but they cant give me a date as to when it will be released.
|
| 10/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
HSBC sold my credit card account to XXXX XXXX in XX/XX/XXXX. HSBC failed to provide statements for XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX and because I was no longer a customer I couldn't access the online statements.
The amount due XXXX XXXX presented me with for XXXX didn't match my records and the current transactions given were inaccurate, including triplicate charges for each credit card use.
XXXX XXXX doesn't answer their customer service line and HSBC declined to assist me. Through repeated contact throughout XXXX I was able to cancel the XXXX XXXX card and obtain HSBC 's promise to mail me the XXXX and XXXX statements on XX/XX/XXXX.
As of XX/XX/XXXX, I still haven't received the statements nor has XXXX XXXX obtained them.
|
| 02/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
HBC has started blocking all transfers from the XXXX to our account for three weeks or more while refusing to communicate to anyone about why.
1 ) These is are 1st to 1st transfer that I send to myself from the XXXX 2 ) Similar transfers have been incoming monthly for the past 8 years without any problems, as this is my salary from my XXXX employer.
3 ) This account with HSBC is fully operative and has been opened since 1994 Further, the contact numbers HSBC operations department includes in the wire information seem to be inoperative and no one answers. I am a professional in the XXXX industry, and this indicates that HSBC compliance process is broken. At worst, it may be evidence of illegal racial profiling, given my XXXX name.
|
| 11/15/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
daily harassment from XXXX XXXX on monthly payments that are not even due yet - literally 10 calls a day asking about my payment when I have a grace period of the XXXX of every month.
due date is the XXXX of the month - 15 day grace period puts the payment off until the XXXX of every month. Yet they call me 10 times a day and I have to explain this to the reps even though they have the information right in front of their screen and they confirm it every time - " ... yes sir, correct sir, you have until the XXXX to make the payment sir. '' I have lost my patience -- -- - this is 100 % HARRASSMENT!!!
don't do business with HSBC ... ... its their policy to harass you ... ..even when you are making timely payments ... ... .ridiculous!!
|
| 12/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American |
|
HSBC bungled their process by stopping auto-pay during their pandemic assistance earlier this year. I filed a complaint with you already and you closed it without resolution. XXXX. HSBC sent a 14 page cover -XXXX that did not address the complaint. They stopped autopay without my consent and provided no notification of any kind by telephone or email before cancelling my account, putting me in collections and reporting me as delinquent after nearly 40 years as a customer with a perfect record. It is an absolute embarrassment, and your agency accepted their answer without any follow up or discussion. The terms were not clear, phone agent had heavy foreign accent and we assumed everything was fine. Then they treated us like we were XXXX.
|
| 10/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was been paying a no interest debt every month and my statements do not accurately reflect the outstanding loan balance as XXXX XXXX XXXX continually bills me monthly with a higher balance then I owe.
I've tried to contact numerous times both by email and phone number and given the run around every time. The last time I spoke to XXXX XXXX XXXX XXXX XXXX was XX/XX/2021 and most recent email was XX/XX/2021.
When I'm able to speak with XXXX or other assistants, I ask direct questions regarding contact the XXXX XXXX XXXX directly and given an entry level contact email that in turn puts me through the same run around as she said : " The attorney is in trial, but I spoke with him and I don't have authorization to give you his email ''
|
| 08/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
This is the XXXX or XXXX time I have submitted this complaint. HSBC receives my payments and the funds are deducted from my checking account but they are NOT applied to available credit. You people have done nothing to help me resolve this continuing problem. I am asking you to do an audit of this company to determine where and how the funds are used when they are not available to me. I expect to see some action on a thorough audit. In the meantime I intend to contact my congressman to make him aware of your total inaction in this matter. I expect a communication forthwith informing me that an audit has started. Do not ignore me again. I expect action not just an e-mail telling me the company has been contacted. WHERE IS MY MONEY?????
|
| 10/21/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
I was a victim of identity theft and as a result of this, all of my information and credit cards were compromised. I tried to reach out to XXXX several times over the years requesting documentation regarding these charges due to fraud and received no assistance other than being advised that the account has been sold. I reached out to the collection agency know as XXXX XXXX XXXX ; XXXX XXXX and was advised to provide documentation to them regarding the Fraud, Identity Theft and as a result, they have removed the accounts from my credit report due to fraud. I would like for XXXX to remove the accounts from my credit report as well. account numbers are XXXX and XXXX Your assistance in this matter is greatly appreciated.
Thank you, XXXX
|
| 12/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
HSBC premier Credit Card.
I receive monthly statement hard copy almost always less than two weeks before DUE DATE. I have to online check payment every month before receiving the hard copy of the statement and send a check to HSBC.
However, starting XX/XX/2021, HSBC website does not allow to review monthly statement, including current payment and previous monthly statements if a customer chooses receiving hard copy of monthly statement.
Only person who chooses E-Statement-Only can online review monthly statements.
HSBC is trying to force costumers to choose E-Statement-only by providing better and convenient services to them. It is a discrimination against people who would not choose E-services only.
XXXX XXXX, MD XXXX XXXX
|
| 02/09/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
This compliant is created by XXXX XXXX XXXX, which is a furniture retailer/company in XXXX XXXX XXXX In late XX/XX/XXXX, XXXX made XXXX payments to their manufacturer XXXX XXXX XXXX XXXX XXXX which bank account is with HSBC XXXX. The amounts were XXXX paid on XXXX XXXX, XXXX and XXXX paid on XXXX XXXX, XXXX.
It has been more than one month that these XXXX payments have still been holding by HSBC Bank USA and not released to XXXX XXXX XXXX yet. As required by HSBC USA, XXXX provided related documents to proceed a security check for these XXXX payments on XXXX XXXX and XXXX XXXX separately, and then never heard back from HSBC USA ever since. Although XXXX has been sending update requests to HSBC USA for numerous times in last month.
|
| 08/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Hello, Started receiving calls 2 days ago from a supposed law firm called XXXX XXXX XXXX. They are claiming to be a law firm threatening to serve me today over a debt from an account that hasn't been used since 2010. They are claiming I owe XXXX on a debt to HSBC bank and last activity on the account was 2010. Statute of limitations in NY is 6 years and I believe the same in Ohio. I'm almost a decade past that.
Man on the phone essentially claimed officers were on the way to serve me if I didn't agree to pay them the full amount today. After doing some research is seems this company makes similar threats to others.
I was sent an email from a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX
|
| 03/19/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Dear Consumer Finance Protection Bureau, I filed Case number : XXXX on XXXX XXXX, 2017. HSBC replied that it needed additional time to investigate this complaint before submitting a final response. I received a letter from HSBC dated XXXX XXXX, 2017 that it plans to transfer this loan to XXXX effective XXXX XXXX, 2017 and that the loan terms would not change. In essence, HSBC is attempting to absolve themselves of this fraudulent transaction by transferring the loan. CFPB must hold HSBC fully accountable and not allow them to " pass the buck '' and demand that HSBC grant the injunctive relief requested in my complaint. A copy of the correspondence received from XXXX XXXX, Senior President, XXXX XXXX XXXX is attached for your review.
|
| 11/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Hi CFB, I recently initiated a dispute with XXXX and the reason was a hotel deposit thats charged on my card. I left the hotel after a short stay because of bed bug problem and the services were not provided to me as promised. The hotel took {$1100.00} as hotel deposit and wont return so I initiated a dispute with a bank HSBC and they denied me upfront saying they wont do anything about it because of the hotels refund policy! This is totally unjustified to keep my {$1100.00} and not do anything about it.
I tried calling the bank and they upfront said that they wont help me at all and can not do anything about it.
I would request you to please look into and appreciate your help on this matter as soon as possible.
Thanks, XXXX
|
| 04/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
XXXX bank was taken over by XXXX XXXX bank. At the time they told me nothing would change for me, the 2 accounts would be joined. So I could continue payment on my XXXX thinking even paid up, the payments applied to my XXXX XXXX card. Well about a week ago I realized that those payments to XXXX bank which was an affiliate of XXXX were never applied to my XXXX XXXX card. That card ending in account # XXXX with XXXX bank XXXX has been receiving payments since XX/XX/2017 for {$50.00} /Month. I have proof of that trough my 2+ years of bank statements. I have contacted both XXXX and XXXX XXXX, neither was willing to help me in this matter since they could not find my account number. All this was paid through my bill pay with XXXX bank.
|
| 04/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Company called from XXXX. Claiming to be XXXX XXXX XXXX. Caller was rude, put me on hold intentionally when I tried to give the proper information. They stated I was named in a complaint and will Be filing legal action if I did not pay now. They said it was An XXXX XXXX card also known by household bank HSBC. I tried to advise them this account was included and that the orginal creditor was notified of Chapter XXXX bankruptcy what was filed, accepted and XXXX in 2011. Making the debt uncollectible, as well as being outside of any statue of limitations. They are not accepting of the information and are telling me I must send them information. They are clearly in violation of the fair debt collection act on numerous things here ...
|
| 02/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I needed to pay off my HSBC credit card placed at XXXX as a requirement for a new job. I needed to have the debt paid and provide a letter showing I paid the debt for my security clearance. I paid the settlement XXXX ands I agreed upon, however XXXX still shows the account with a balance due on my credit report, the letter I received does not state the account is paid off and I requested a letter stating on their letter head the account is payoff to provide for my employer and they refuse. I was told to use their website to show the balance is zero, but it only states I need to call to request information on the balance. I attached the screen shot. XXXX used deceptive, misleading and false statements to get me to pay off the debt.
|
| 06/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Older American |
|
I got a call from my ex-husband, daughters saying that they a have a pkg to delivery in my name these people are calling all family members and also texting them. I do not have an account with them they said if I would pay XXXX they would not summons me to court. I called the number they are texting from and calling and I explained to them I do not have a credit card with them nor do I owe them anything they said this is from XX/XX/2014 and I owed XXXX but they will settle for XXXX. I said send me the paperwork and they said no you will be summoned to appear in court and hung up on me. the number they are calling from is XXXX and XXXX. They have even called my work threating. my ex-husband I have not been married to for 35 years.
|
| 10/29/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Last year HSBC offered a promotional program to open checking accounts with them and if you maintained a {$10000.00} balance for a certain amount of time ( I think 6 months ) then they would give you {$350.00}. I realized last month that I never got the money even though I participated in the program and maintained the minimum balance. I followed up with them and they ended up correcting the issue and giving me the promotion, however I wanted to submit a complaint in case this is systemic to all of the HSBC clients that participated in the program and people are getting scammed out of money by the bank. Please follow up with an investigation of the bank to see if they are making promises to clients and then not following through.
|
| 01/30/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
|
My CD was classified as a dormant account and I am unable to access my funds. According to HSBC, an account is classified as a dormant account if there is no activity on the account in 3 years. My CD account was rolled over in XX/XX/XXXX. On XX/XX/XXXX, I transferred {$340.00} out of the CD and rolled the balance into a 1 yr CD. Upon maturity of my CD on XX/XX/XXXX, I discovered that my CD account is classified as dormant. I filled up the relevant forms to remove the dormancy status on XX/XX/XXXX. I was told that it should take 2-3 days. I have called customer service a few times and each time, I am told that the account is still dormant. As of XX/XX/XXXX, my account is classified as dormant and I am not able to access my fund.
|
| 09/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I opened a checking account with HSBC on XX/XX/XXXX with a with a large initial deposit. The account was approved and the HSBC withdraw the funds from my external account. On XX/XX/XXXX I attempted to login to my account and received a notice that the account was suspended and to call a certain number.
I called the number and after 30 minutes was told that I was speaking to HSBC XXXX, not US. I called a different number and was put on hold for 1.5 hours and had to hang up. I tried again at XXXX XXXX and was on hold for 2 hours before the call was disconnected. I am just trying to figure out why the account was suspended and how to fix it but I can not get through to anyone. While I am waiting I do not have access to my money.
|
| 02/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
On XX/XX/XXXX, I applied for credit card with XXXX on their online website. I have an excellent credit rating of XXXX. On or around XX/XX/XXXX, I was informed in a letter that I was being denied credit due to the fact that I do not have a bank account with HSBC. There was no mention of this requirement whatsoever on their website.
During the application process, I sent in my personal information. I believe it is unethical for a bank to ( 1 ) collect this information knowing I will be denied credit because I don't have a banking account with them. This should have been the first question on the application ; and ( 2 ) employ bait and switch tactics that imply that if I open a bank account, I will be approved for a credit card.
|
| 01/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/2020 I opened a checking account with HSBC under the terms that I would be receiving a {$220.00} bonus for opening the account and thereafter depositing {$500.00} a month to the account through direct deposit for 3 consecutive months. After meeting the criteria and not receiving the bonus I called the customer service line. I called this line on 7 separate occasions, 6 of which I was promised by the employee that my bonus money would be deposited shortly. On the 7th call, they decide to remit that payment promise and inform me that I no longer am eligible for the bonus. They wasted hours upon hours of my life with their lies and still refuse to pay out the bonus. The incompetence of this bank is absolutely astounding.
|
| 12/12/2015 |
Yes |
- Prepaid card
- General purpose card
|
- Managing, opening, or closing account
|
|
Web |
Servicemember |
|
I applied and received a secured credit card from " HSBC BANK '', around XXXX, XXXX. After Closing account by phone notification, and offsetting credit balance by sufficient security funds held by HSBC BANK I deposited for the credit card, HSBC BANK continued to accrue interest and penalties against my credit balance. Years later, I discovered on my credit report an outstanding balance reported by HSBC BANK, and sold to other collection companies to perpetuate an updated date of debt beyond the 7 year limit of the law ( XXXX to XXXX ). I do not owe any principle balance or interest/penalties created by HSBC BANK or collectors that I resolved upon cancelling this credit card. My security more than offset any outstanding balance
|
| 10/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX I received a voicemail that stated ( XXXX XXXX ) not my name. They were reaching out to me due to a pending notice of action that came out of the XXXX XXXX area. His name was XXXX XXXX. He was contacting me on behalf of XXXX XXXX, so due to no contact on my behalf I am instructed to call XXXX with reference number XXXX. They have another number from XXXX California ( XXXX. This number is not active? They also called my mother in Arizona, threatening to sue. If I did not respond by XX/XX/XXXX ( yesterday ) they are taking aggressive action to sue me for {$1000.00}, from HBSC Bank for a mortgage or credit card from XXXX.
I have been on XXXX since XXXX. I have already filed a scammer report with the XXXX XXXX XXXX
|
| 06/17/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Re : XXXX XXXX XXXX, SS # XXXX, XXXX XXXX XXXX, XXXX, MA XXXX : XXXX Second Mortgage, XXXX XXXX, XXXX, Book XXXX, Page XXXX Satisfaction and Discharge of Mortgage, XXXX XXXX, XXXX, Book XXXX, Page XXXX for Mortgage, XXXX XXXX, XXXX, Book XXXX, Page XXXX Whom It May Concern : This complaint and attached documentation is to prove the Expiration of the Statute of Limitations, inaccurate, fraudulent Charge Off credit reporting, and denial of credit and selling of HBSC account to XXXX XXXX XXXX as Statute of Limitations has expired for the above referenced XXXX XXXX XXXX.
HBSC did not accurately report payment history of accounts and I request the information be removed from Credit Reporting agencies.
Sincerely, XXXX XXXX XXXX
|
| 09/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I mistakenly missed a payment on my account while I was taking care of an ill parent, I thought I had a handle on all my parents as well as my XXXX parent 's but I missed a payment and it is now showing as 30 days past due and they took the extraordinary step to have it showing on XXXX as not more than 2 months past due. I have struggled for the last 2 decades to repair my credit and this is the only blemish. I have tried multiple times to have HSBC show good faith and assist but they refuse to do so. I have paid off the account but I am not willing at this time to sever my relationship with them.
Please reach out and see if they would be willing to work with me to remove this one issue on my credit.
Thank you in advance.
|
| 11/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
On XX/XX/2018, I opened an HSBC Advance checking account to take advantage of the attached {$350.00} Welcome Deposit bonus offer. I deposited {$10000.00} into the account, maintained the balance for 90 days and waited the additional 8 weeks for the bonus to credit. After the 8 weeks expired, I contacted HSBC several times through their live online chat, their 1-800 phone number and their website 's secure mail. I was promised that they would open a case, contact the promotional team and get back to me. I never received a follow up and it's been 2 months since I should have received the bonus at the latest and since I first was promised they would get back to me. I continue to maintain the {$10000.00} balance in the account.
|
| 08/20/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Hi, I am a customer of HSBCnet and I have a business account, in order to log in to my account I must use a security device that generates pass code, on XX/XX/XXXX my security device went dead, I reported this to HSBC and they promised to ship me a new device. It has been 2 weeks since I requested this device and my business operations completely stopped, I can't pay for merchandise, I can't do anything. I have been on the phone with 3 different CS and all of them told me that my devise should arrive soon but nobody could provide any tracking number.
I am still locked out of my funds, I have losses and I have to pay penalties for not making timely payments and wires and yet nobody cares about it at HSBC, it is a SHAME!!!
|
| 11/23/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
I went into an HSBC bank to change my name after I got married. While there, the banker told me he would send the forms to my phone. I clicked and signed where he told me to sign. A few days later, I checked my account and saw that a credit card was opened in my name. I called the banker and he said we had discussed opening the card even though that never took place. He then told me not to worry because it was a soft pull. My husband called the banker, XXXX XXXX, later who then changed his story to say it was a hard pull, not a soft pull. We tried to resolve the issue through the bank but they are saying there was no error. The bank manager even tried to convince us to keep the card because the benefits are so worthwhile.
|
| 09/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
In 2007 the HSBC account went into collections due to my XXXX and XXXX XXXX XXXX from my military service during the XXXX XXXX XXXX. I contacted the company and made payment arrangements which I successfully completed as agreed. I was recently contacted by XXXX XXXX XXXX, again, about this 12 year old past debt, and filed a dispute. Their investigation yielded account information that was not only 10 years old, it did not reflect the payoff agreement, and subsequent paid status of the account.I again contacted XXXX XXXX XXXX by phone and was told they were still investigating the dispute and would not talk about the account. I again refuted the status of the debt, and apprised the company I would be seeking legal remedy.
|
| 06/09/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX XXXX ,2017, I received a call from a company that did not disclose their name who said that I owed money to a credit card company. They said that if I did not contact them to resolve it, it would affect employment, assets and/or bank accounts. This matter has been resolved through the legitimate company and HSBC Bank and is no longer owed. They told me when I called them that they will see me in court and said I better have proof of my payment. I am worried that they will continue to harass me for this bill. This is the second fraudulent company trying to collect on this bill. I think they are just passing my information around to different people and that worries me. The number they called me from is XXXX .
|
| 06/09/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX XXXX ,2017, I received a call from a company that did not disclose their name who said that I owed money to a credit card company. They said that if I did not contact them to resolve it, it would affect employment, assets and/or bank accounts. This matter has been resolved through the legitimate company and HSBC Bank and is no longer owed. They told me when I called them that they will see me in court and said I better have proof of my payment. I am worried that they will continue to harass me for this bill. This is the second fraudulent company trying to collect on this bill. I think they are just passing my information around to different people and that worries me. The number they called me from is XXXX .
|
| 01/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Hsbc informed me that they sent encrypted and password protected disks which included, which included all of my personal information of me and my co-signer XXXX XXXX XXXX to an unauthorized commercial third party. My identity has just been stolen and XXXX of dollars were withdrawn out of XXXX of my debit cards. i called and complained to Hsbc and all they do is put me on hold and never return. All their offering is a bogus identity guard protection after the fact. I attempted to apply for this guard abd its too complicated abd their requesting many documents to be sent to them in order to activate me its too complicated and time consuming. Can you help me i fear that i may lose every thing because of their negligence.
|
| 08/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
This complain is about XXXX XXXX XXXX Collection Agency Reporting to all XXXX major Credit Reports Inaccurate information as of Date of First Delinquency. As reported to XXXX on XXXX XXXX this account is schedule to continue on record until XXXX XXXX as of XXXX XXXX it was not on XXXX no more making the Date of XXXX Delinquency XXXX XXXX ( since accounts remain for 7 yrs on record as of XXXX Date of Delinquency ) On XXXX XXXX XXXX reports to XXXX XXXX Date of Delinquency as XXXX XXXX. As of XXXX XXXX its reports to XXXX XXXX Date of Delinquency XXXX XXXX. As of XXXX XXXX XXXX Deleted it after finding inaccuracies on Dates of XXXX Delinquency reported. XXXX still reporting to XXXX I am currently disputing it with XXXX.
|
| 01/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Hi there I have opened a premiere checking account in HSBC in XX/XX/XXXX using the following link ; https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/? XXXX & XXXX & XXXX The promotion clearly stated that if I open and account until the end of 2020, I would get % 3 cash back up to {$100.00} a month for 6 months. To fulfill this requirement, I have moved my salary payments to this account and I have been getting my direct deposit s to this account since then. I have reached out to HSBC many times and asked about why I am not getting any of my promotion and was told that I didn't click the " right '' link to open a premier account and thus they were not going to give me the bonus that was promised.
|
| 07/04/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
Threatened that I would be sued or was being sued by HSBC. This caller ( with a masked caller ID XXXX stated that '' he did n't want to have to notify XXXX named my employer ) with this '' XXXX take it to them XXXX but had to speak to me TODAY. I researched and found that HSBC might mean any number of companies of credit. I have had no contact with any of those companies in more than XXXX years IF at ALL. I firmly believe that this company is pursuing debts that exceed the statute of limitations and are trying to use bullying tactics to do such. I did contact a financial attorney today and informed him of the issue and the recording I have of the gentleman threatening to contact my employer about a debt I do not owe.
|
| 09/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXXXXXX XXXX XXXX sent me a letter stating XXXX now owns an account ending in XXXX an alleged debt in the amount of {$9200.00} On XX/XX/XXXX I received a letter from XXXX stating XXXX XXXX XXXX has required this alleged account. None of whom I have ever contracted with, it also stated XXXX XXXX XXXX XXXX is the master servicer for XXXX XXXX XXXX, also never contracted with.
None of this alleged debt has been validated and yet it shows up on my credit report which violates the fair credit reporting act, the fair debt collection practices act, and defamation of character. Today XX/XX/2023 I sent a debt validation letter to XXXX XXXX who claims to have purchased this alleged debt from 12 XXXX XXXX XXXX XXXX
|
| 03/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I believe that HSBC is using deceptive practices on credit cards. I got the notification that my statement was available. I attempted to set up my payment as I normally do, online. However, it no longer allowed me the option. I used the chat function and learned they had placed a block on my card for reasons unknown and in doing so, also blocked my ability to even make my payment which will in turn cause damage to my credit. I was instructed to call the 24/7 help line and was told they couldn't even look up my account because it was after midnight at their location. I feel like they are placing unwarranted blocks on cards to prevent people from being allowed to make a payment so that they can charge additional fees.
|
| 04/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
There has been an ongoing dispute with HSBC over the HSBC master card. The balance was entirely or nearly paid off about one year ago ( XXXX or XX/XX/2018 ) and subsequently about {$1800.00} in payments were made toward charges on the account between then and XX/XX/2018. During this time, HSBC supposedly closed the account due to suspicious activity but no charges were ever reversed -- instead there are charges and interest and late fees and over limit fees and interest on those and somehow an account that had more than {$7500.00} in payments in the past year has an outstanding balance of more than {$9000.00}?
Each time I have asked for help with this I get the " we are working on it '' followed up by no response.
|
| 10/24/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I took out a second ( junior ) mortgage on my house with Beneficial Finance ( HFC, HSBC ) in XXXX. I have been paying religiously since then every month. I intend to pay of the balance when the closing of my current property occurs on XXXX/XXXX/XXXX. I called to get payoff balance and discovered there is {$2900.00} in deferred interest and {$27.00} in deferred late charges. I do n't recall ever being late on paying this loan - and I certainly never agreed to deferred interest. Can you help me fight this? I need to pay this loan off before my new mortgage will proceed and I am not paying something that an unscrupulous bank decides to charge me without my knowledge or consent.
Thank you XXXX XXXX email : XXXXXXXXXXXX
|
| 07/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Have been receiving numerous calls from this number as a " final attempt to collect a debt '' before going to court. I finally spoke to one of the callers and they told me what the debt was from - a company I 've never heard of or done business with - and as soon as I mentioned wanting to have my attorney follow up with them they back stepped and said they could take care of it internally and close the file. I insisted that I was happy to have someone look in to it and they insisted I would n't need to worry about it. They called me today again after about a week and the voicemail message is the same as it was before, final attempt to collect a debt. I called back and got their alleged legal department 's voicemail.
|
| 04/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account with HSBC on XX/XX/2021 under the " {$450.00} Welcome Deposit in your new HSBC Premier checking '' promotion. I qualified for the promotion by receiving over {$5000.00} in direct deposits per month for more than three months ( six months so far ). When I chatted with HSBC this evening I was told that I did not qualify because I did not open the account through the offer page. When I was applying for the account I made sure to save to pdf the offer page from which I opened the account. Please find this evidence attached plus my submitted application, my chat transcript with HSBC, and my account transaction history since XX/XX/2021 which shows that I have met the requirements of the offer.
|
| 05/29/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A debt with HSBC Mortgage account # XXXX was " charged off '' / '' Profit & Loss Write-off '' back in XXXX as indicated in the attached old XX/XX/XXXX & XX/XX/XXXX credit reports. I received a XXXX from IRS and paid taxes on this debt as it was considered earned income. HSBC has a lien on the property and will not release the lien. I have contacted them to request this lien removal for the past 30+ days and they keep transferring me to numerous people that continue to obtain the same information from me each time i call. HSBC is trying to collect on a debt that is not owed. I am requesting that they release the lien on XXXX XXXX XXXX as this loan was charged off 11 yrs ago and I have already paid taxes on the debt.
|
| 07/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I am in process of refinancing my mortgage with a new lender ( XXXX XXXX ). In the process of doing so my mortgage servicer ( hsbc ) had been changed to a new servicer ( XXXX XXXX ). When XXXX requested my payoff amount from XXXX the amount was over 277,000. My credit report and monthly statement has it listed as XXXX When I called XXXX and have they both could not tell me when I incurred the roughly 25,000 extra. XXXX says they no longer have info and XXXX has it. My problem is I need to know when this extra money was incurred, why and whom approved it ( do they have a signed agreement? ). Please help me get an answer as to why the extra monies are owed and under what proof do they have that I owe it. Thanks XXXX
|
| 02/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Yesterday, XX/XX/2022 I received the first notice from a card issued by the bank HSBC. This notice was an issue saying that there was a late payment pending. And that the payment required a {$35.00} minimum payment. This was the first notice issued by the bank including any receipts and debts to be repaid. However, the bank decided to take on legal action ahead of requesting payment. This resulted in a XXXX deduction on my XXXX XXXX.
These funds have been since paid off in full and would have been if the bank had sent out a regular notice for payment. I'm a citizen of good standing and I have never had a derogatory mark on my credit file. I would have paid this as normal if the bank had sent me a notice or bill.
|
| 10/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I signed up for a HSBC checking account with a {$450.00} dollar bonus offer. I waited and completed all of their qualifying activities. I called to inquire about this and HSBC said I never signed up for the bonus. They took my hard earned money and defrauded me out of an offer. This bank is engaged in fraud and should be investigated for misleading customers. Their own system timed out when I was filling out the application. Then I filled it out again and was approved. They refused to honor my bonus because of their own technical issue and I had to put all my direct deposit on their account, but they never gave me the bonus I deserved. This bank gave the worst feeling I've had with an institution, I felt cheated.
|
| 10/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
HSBC and another party involved has called me, threatening to sue me, seize my property, contact my employer, garnish my wages, and put me in jail for a credit card that I had supposedly opened in XX/XX/XXXX and made a last payment inXX/XX/XXXX. I do not recall ever having this credit card, nor did I have any unpaid credit when my credit reports were ran when I recently bought a house. They said that in XX/XX/XXXX my balance was a little over {$700.00}. But now with interest my balance is now well over {$1000.00}. But if I pay them {$800.00} now, like right now, they will not proceed with legal action. They can not give me any or much information, and just kept asking me weird personal questions about my family.
|
| 06/17/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have a home equity loan with HSBC Mortgage Service Center XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, Mt XXXX, NJ XXXX ). On XX/XX/XXXX, 2013, I made a XXXX check payment of {$6000.00} towards my loan. According to HSBC 's payment policy indicated on their payment coupon, any amount above the monthly payment will be applied to the principle, but HSBC wrongfully apply the extra amount to XXXX times of interest and principle. I called them on this mistake, they admit this mistake, but intend to confuse me with mistaken calculations. This practice is absolutely not acceptable! The amount they should deduct from my account 's principle is {$1300.00}. Please instruct them to correct this mistake ASAP. Thanks!
|
| 12/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
To Whom it May Concer : Re : HSBC Mortgage Escrow Refund I found the attached check which has not been cashed when reorganizing my files. Unable to contact anyone at the former HSBC Mortgage Servicing company, XXXX or the company that acquired XXXX, XXXX via telephone or email. Unable to reach anyone at in Customer services, I sent two emails to XXXX Investor Services requesting their assistance in addressing this unclaimed check. Note : I tried to get assistance from the current HSBC Mortgage Servicing company, XXXX, However, they directed me to XXXX / XXXX.
Any assistance you can provide would be greatly appreciated.
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX ( H ) XXXX ( M )
|
| 06/21/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
I am trying to refinance my mortgage interest rate 7 to 8 % they are hiking my payment by almost {$1000.00} a month. they deferred payments over the life of my loan ( 12 over 12years ) I was never told that the interest would be put to the side as a separate part of the loan and now I can not refinance my home appraisal is {$200.00} K and with the interest which they do not wish to waive I owe $ XXXX they have not modified the loan I have tried to get it modified in the past and they do not work with me to make things reasonable I am desparate I do not know how I can pay almst {$2800.00} a month when I take home about {$4000.00} total the company is HSBC mortgage services ins acct XXXX thank you XXXX XXXX XXXX
|
| 05/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Account Name HSBC BANK NEVADA N.A. RC Account # XXXX I do not and never had any legal or lawful security obligation with this business. I will record a perfected security interest in this business for 3x the stated balance plus damages if they do not immediately remove any information related to my PERSON on the PERSON 's credit report with the credit bureaus. I logged in and saw this information. I did receive a bogus demand to pay a debt from this entity in th e US Mail. I did respond via Certified mail with my Notice and Demand To Validate Debt Claim in accordance wit h 15 USC 1692. They d id not respond. They need to remove this items immediately or I will record a lien and file civil charges.
|
| 05/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
HSBC Bank requested additional information from spouse on or around XX/XX/XXXX via postal mail, which we were unable to provide in a timely manner. The account was marked as " hold '' and unable to withdraw funds as of XX/XX/XXXX. Spouse requested for the account closure on or around XX/XX/XXXX to the escalation/fraud department. The department agreed with the request and promised to close the account and send the funds. Spouse called back on or around XX/XX/XXXX requesting a status update. HSBC confirmed that the account was closed.
The total amount of funds is {$2700.00}. This was an electronic deposit done via their mobile app. No indication of closure has been received either via postal mail or email.
|
| 09/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
I have a HSBC Credit Card.My Card No. is - XXXXMy Credit Card due was Rs. XXXXDue to my bad financial condition I was unable to pay the dues.On XXXX a person from HSBC Bank came to my office and threatened me about the dues.He forced me to give Rs. XXXXNow, After that, I have informed the bank that, I need settlement due to huge financial problems.HSBC / Agency continuously called my office landline number.Yesterday, I have got warning from HR in my office that if any further phone from bank will happen then I will loss my job.Now, tell me sir, I work in a private company.After loosing my job I will not be able to pay the outstanding dues of HSBC bank.I wanted for settlement.But, they refused.I am helpless.
|
| 05/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a series of erroneous, credit-damaging late fee payments reported by HSBC on an overdraft account dating back to XXXX -- that I did not know existed. HSBC has, for 7 months, stated that they would resolve the issue and instruct the credit reporting agencies to remove this erroneous information from my account. ( See HSBC communication attached. ) They have failed to do so, and my credit report still carries a major delinquency in the form of a 180 day late payment -- which never existed and was generated by HSBC a s a " processing error. '' The damage to my credit has not been resolved nearly 1 year later, causing me higher mortgage rates, car payments, and the potential loss of a job.
|
| 05/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
HSBC Approved my loan modification for two years. The terms of the modification are being violated for the following reasons:1 - Amount due on statement differs from the agreement.
2 - Payment funds are not being allocated correctly. Per agreement, {$990.00} should be allocated to principal and interest. Statement shows funds applied toward deferred interest and interest only.
3 - I have not received an explanation of the Overdue Payment of {$1500.00} for outstanding fees and charges.
Please see attached documents and let me know if you could assist me. HSBC claims that the statements are automatically generated without taking in consideration the modification agreement.
Thanks, XXXX XXXX XXXXXXXXXXXX
|
| 04/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
My HSBC accounts including checking account and two credit account were blocked by HSBC. I contacted HSBC premier customer service and fraud department to discuss the issue. All the agent told me my account were blocked by another department, and I can not contact that department directly. They can send my request to remove the block or close the account to that department. However, that department did not response. As a bank customer, I have the right to close my account, to deposit and withdraw my own money. HSBC refuse to provide that kind of service. I need the money in my checking urgently. All the customer service agent asked me to wait, but I can not wait indefinitely. I want to get my money back.
|
| 10/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
HSBC locked me out of online banking due to a mobil check that was endorsed. The check was legitimate. They said they would close my account and mail out a check I have talked to 17 different representatives and 3 supervisors. No one can tell me anything. I tried to close the account myself and was willing to pay XXXX . They won't allow me to do that. Im on unemployment and cant pay my rent and am about to get evicted. I have read multiple news articles about numerous customers having the same issues. It took people 5 months before they they received their money. I cant wait that long. Please help me! I was directed to you guys by the multiple articles I have read with people going though the same thing.
|
| 04/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On XX/XX/XXXX My wife was contacted by phone for a agency trying to collect a debt from HSBC credit card they said I opened the account on XX/XX/2013 what is totally false. They have my social security number and my date of birth and because of that they treating to take me to court and make my pay more than {$2000.00} for {$650.00} credit card debt that I never requested. The lady on the phone saying my wife that they will take me to court even though she keep telling her that we I never asked or used that credit card.
I called to HSBC and they confirmed that I don't owe nothing but this lady in XXXX XXXX XXXX keep treating us to take me to court because according to her I applied for that credit card.
|
| 12/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I have been trying to close an HSBC for 8 months.
I had several auto-pay invoices associated with the account. Unfortunately I did not stop the autopay in time, and was charged exorbitant fines and oversraft fees. I paid them. The bank demanded I pay them in cash. In person.
Now, 8 months later, I received a call saying that those oversraft were never paid. They are demanding over {$2000.00} from me. And want a receipt for the cash payments I made, claiming I never made them. I do not have the receipts. I thought the matter was settled, and have moved on with my life. I tried to pay with my new bank cards at the time, but was denied as HSBC demanded cash.
I can not get away from this company. Help!
|
| 12/19/2015 |
Yes |
|
|
|
Web |
|
|
HSBC is reporting a credit card that was transferred / sold to another company as a charge off. This is in violation of the FCRA as an item that has been sold can not be listed as a charge off by the company that sold the debt. HSBC has not addressed this concern in my prior requests to them. They are causing damage to my credit and I intend to litigate this matter. I contacted the company they sold the debt to and I was advised that they are no longer reporting this account as of 2010. However the original creditor HSBC is reporting it as a charge off but they profited by selling it to XXXX XXXX. HSBC has been less than helpful in attempting to resolve this concern and continues to cause me more damage.
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I purchased an airline ticket with XXXX XXXX and the last minute the flight was canceled by by XXXX XXXX. I was promised a full refund by XXXX XXXX and after waiting for over two weeks I contacted my credit card company HSBC to see what is my best options. And the HSBC Representative told me its best to file a dispute, which I did. I had no outstanding payment due. I received a credit alert telling me my credit score decreased. When I look at my credit report it started : We noticed a change to the remarks listed on your XXXX credit report regarding your HSBC BANK XXXX. My score decreased XXXX point because I contacted HSBC about the purchase I made for a service I never received and I wasnt reimbursed.
|
| 07/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
See complaint XXXX, HSBC is stating they never sold this debt to a collections company, if that is true then this collections company is committing fraud to attempt to collect a debt discharged in bankruptcy. HIGHLY ILLEGAL. I have already had my lawyer send a cease and desist letter, however this is extremely concerning and appears highly illegal. Your job is to protect the American public, please do so and find out what is going on here. What I think happened is the collections co went into PACER, pulled some information, and tried to scam me or HSBC is overtly lying on the accompanying CFPB complaint response. This collections co has an interesting reputation online too, called a scam multiple times.
|
| 08/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Dear CFPB, I am XXXX XXXX. My email address is XXXX. My phone number is XXXX. My wife and me took two cruises with XXXX XXXX from XX/XX/2018 to XX/XX/2018. I used HSBC credit card. This is a copy of my ship card. ( See attachment ) I got a bill from HSBC, they requested me to pay {$410.00} to XXXX XXXX and {$150.00} to XXXX XXXX XXXX. ( See attachment ) I paid them, but I filled out a dispute form. ( See attachment ) I got a letter with HSBC, they said " After careful review of your dispute, we have determined that we do not have sufficient documentation/information and are unable to pursue this matter further. '' I wrote a complaint to you. Please help me to refund back my money {$150.00}. Thank you.
|
| 12/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
As of the date my mortgage was modified, I have made my payments on time. The mortgage company stated my payments were late XXXX 2011 until XXXX 2011. Their reasoning is because my payment was short of the amount required. They paid my taxes. Therefore, the payment increased. However ; they did not notify me under separate cover the payment would increase. I continued paying my required P & I. The amount short was the escrow amount. The error was not discovered until I called to set up additional automatic withdrawals. This error caused a negative reporting to the credit bureaus. A request was made, in writing, to reverse the reporting. They refuse. How can they report an escrow account as being late?
|
| 12/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
HSBC 's promotion is misleading. They offer a {$500.00} bonus if the consumer sets up an account with a direct deposit and deposits " totalling at least {$5000.00} ''. They did not give me the credit and stated that it must be {$5000.00} in each month. However, in the fine print, they do not say " in each month ''. Their wording is below ( I've also attached a photo of the offer ) : " make recurring monthly Qualified Direct Deposits totalling at least {$5000.00} from a third party to your HSBC Premier checking account for 3 consecutive calendar months from the second full calendar month after account opening '' Again, they should have said " in each month ''. Instead, the wording is not clear at all.
|
| 07/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
HSBC closed my credit card ( acct # XXXX ) account because of inactivity without giving me reasonable time to respond and redeem my points prior to closing my account. They alleged that they send me a letter during the last week in XX/XX/XXXX. However I was out of the country and I even told them about my plans in early XX/XX/XXXXbefore I left so I can have access to my credit card and bank account while I was away in XXXX. During that phone call, they never mentioned about my credit card account will be closing soon and I would forfeit all my points if I don't redeem it before that date. Upon returning, I found out that my credit card account has been close and the reward points were all taken away.
|
| 06/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I, XXXX XXXX, wrote a XXXX XXXX dollars check to my relative, XXXX XXXX XXXX on XX/XX/XXXX. She successfully mobile deposited the check on XX/XX/XXXX with her XXXX XXXX XXXX checking account. However, it seems like her check was lost or stolen and someone else deposited the check again in XX/XX/XXXX. HSBC denied to provide any helpful information regarding the deposit on XX/XX/XXXX. Instead, they simply request credit from my relatives bank account and credit my account. Clearly, my relative was not at fault. HSBC shouldnt allow a forged check to be processed. HSBC should honor the deposit on last XXXX and go after the one on last XXXX and return the fund to my relatives account immediately. Thanks.
|
| 07/17/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a call regarding a HSBU account which I have never had it has never been on my credit report nor could the company provide any account information the billing address provided I have n't lived At since XXXX my credit history is only 2 years old seems to be some type of collection agency prior to my XXXX XXXX account started XXXX I have not had a credit card since XXXX so I 'm totally confused, I tried to dispute with XXXX abd XXXX XXXX disputes have been pending since XXXX I tried emailing XXXX companies regarding the disputes with no reply I do n't know where else to go it says open XX/XX/XXXX no inquiry no payment history nothing showing it would be my account
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XXXX failed to verify the Charge Off / Closed account and balance amount being reported for HSBC BANK pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.
It is unlawful and damaging to disregard or deny my request for disputed false, incorrect, and inaccurate information appearing on my credit report. Such actions are in direct violation pursuant to The Fair Credit Reporting Act. All information that is false, incorrect, and inaccurate is illegal to report in my credit file. The new updated information is not only false but also inaccurate and incorrect.
|
| 05/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Through the HSBC Bankruptcy Department I have been making mortgage payments since XXXX. I received a letter dated XXXX XXXX, XXXX from HSBC that the Life Insurance coverage for my mortgage has been terminated due to Past Due Insurance premium remittance. The optional life insurance premium is a part of my mortgage payment that I make monthly so how is this premium past due? I have been contacting them since XXXX XXXX to get some sort of resolve through the HFC Research department. They have sent to me useless and outdated information in the form of a history of my account, and in no way addressed this matter. I have no other recourse but to involve this agency to assist me in resolving this matter.
|
| 08/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
HSBC decided that all customers would be forced into taking electronic statements.
There was no warning period. They just stopped. I received no emails that a bill was due. Nor did I opt in for electronic billing.
My account went into non payment and late fees began occurring.
Then they tell me they refuse to remove the fees.
They tell me that its all my fault.
I request to place the account in dispute, over late fees.
They put the account in fraud mode and immediately closed it.
I have contacted them multiple times and continue to be ignored.
I have not received a bill in several months and do not agree with the charges, but Hsbc is doing nothing to remedy the problem.
How is this legal?
|
| 04/02/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
When requested, XXXX XXXX XXXX ( XXXX ) claimed they acted on behalf of XXXX XXXX. However, when asked to provide documentation supporting the debt, XXXX did not respond in a timely manner. Instead, the company would just send letters saying, " this letter verifies that you owe $ XXXX " but without any supporting documentation.
It took more than a year to get documentation from XXXX XXXX. XXXX never forwarded or provided any proof, even after multiple requests.
HSBC did not provide notice to me that the account had been transferred and XXXX XXXX refused to provide documentation for a full year.
XXXX never provided any verification documents even though it was requested on multiple occasions.
|
| 10/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
On XX/XX/XXXX, I tried to make a purchase with my
HSBC credit card and it was declined. I called and HSBC suspected fraud and verified my data. After verification, they said my account would be closed down and I would receive a letter in 2 weeks. At that time, they also closed my other credit card as well as my checking account. They also restricted all access to my online account access. I have over {$4000.00} in my account that they will not release and a XXXX balance on both credit cards. I have called numerous times and am only told I will receive a letter in 2
weeks.
At this point, they are holding my money illegally and closed my account for an undisclosed reason of which I have no idea.
|
| 03/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I am not sure if this is the correct area to report this, but I am an online retailer and had a customer dispute charges and their funds were returned by the service provider. I am the victim here, I do not know if the purchase was valid or not. On XX/XX/XXXX, a purchase was made for XXXX by faith XXXX aka XXXX XXXX, using the email address XXXX. Last 4 of the card XXXX. IP address XXXX ( from server at XXXX ), source : XXXX XXXX, sent to address : XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX, user agent XXXX. Internal ID XXXX, order_id XXXX. The dispute was made XX/XX/2018. The issuing bank is HSBC BANK XXXX. fingerprint : XXXX with the card expireing on XX/XX/2018 XXXX. I dont know what to do.
|
| 02/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Between XX/XX/XXXX and XX/XX/2019 I had fraudulent charges show up on my hsbc account hsbc notified me of the charges they cancelled my card and sent me a new one but then they transferred the fraudulent charges to the new card I called and notified them of the mistake but they wont remove them and they keep adding fees to fraud charges I have spent hours on the phone with hsbc and recieved many calls from the collection department but there collection department doesnt handle fraud charges so it ends up recurring over and over I have not used my hsbc card since I was notified on the XX/XX/XXXX and I have not used the new card hsbc sent me yet my account is showing 2 cards with a total of XXXX
|
| 12/12/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On or about XX/XX/XXXX My employer, the New York city XXXX XXXX XXXX- XXXX XXXX XXXX XXXX reversed my Direct Deposit Account with my XXXX, HSBC USA , NA, a violation of CFR 31 Part 210. On or about XX/XX/XXXX, The HSBC USA, NA Main Headquarters, contacted my local branch and XXXX, the Representative said that I could open a NEW account for my Retirement Account, and that we would not talk about, or discuss, my DORMANT, inactive, old ( Original ) Account. The account in XXXX that was reversed a violation of federal Law pursuant to CFR 31 Part 210.
Note : The violation of NYS Labor Law Article 18 section 472.8 ( Separation ) is on record FOIL. And the recent ruling from IRS, ( 2019 ). 1099-R
|
| 03/21/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/19 I recieved a phone call from the XXXX XXXX claiming to be mediators. The first rep I spoke with was very rude and hung up after I started to say I have no intentions of paying this, but hung up before I could finish my sentence which would have finished with I have no intentions of paying this at this time. I called back and spoke to another rep who kept claiming I was digging myself into a bigger hole because this is a recorded line and threatened to call me at work and even at church. This is unacceptable. Both reps continued to interrupt and threatened to start the hearing process. Both times they claimed to NOT be debt collectors, but meditation between the client and myself.
|
| 02/08/2017 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
I had a checking account and credit card with HSBC USA. In early XX/XX/2015, I called HSBC USA to cancel all my accounts with them. They closed only the Checking account, and left the credit card opened. As a consequence, a remaining balance of a few dozen dollars was on my card a few months before I realize it. I had automated payment from checking to card, but after they closed my checking, no payment arrived on the card account.
HSBC USA never contacted me about the card account. I contacted them many times, but since I closed my bank account with them, they did n't want to help me and correct there mistakes.
As a consequence, I have a delinquency posted on my report that cost me a lot.
|
| 11/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I was contacted by a company ( XXXX ) Claiming that I owed a debt to HSBC bank. When I contacted HSBC they advised me that I did not have any outstanding debt with them. I contacted back XXXX and they told me that they had already sent validation and that I did not need to validate. However they said that I would need to pay this debt before having my wages garnished. The representatives were very threatening and convinced me to give my card number for payment. They told me that once the first payment was made that I would receive a receipt however I have not ever received that receipt. My bank has cancelled my card and I am now getting a new card. I have continued to get calls from XXXX.
|
| 08/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
HSBC : Account manipulation.
They're running a promotion for {$750.00} " Welcome Deposit ''. To receive it the customer must make " Direct Deposits totaling at least {$5000.00} into your checking account for 3 consecutive calendar months from the second full calendar month after account opening. '' I applied to open the account on XX/XX/2019. They sat on their hands contriving excuses to delay the opening for two weeks until it was XX/XX/2019 so I wouldn't be eligible to start fufiling the requirements until XX/XX/2019. In the interim, I would've had to have kept a minimum {$75000.00} balance at all times to dodge the $ XXXX/mo maintenance fee.
Completely deceptive, manipulative ripoff.
|
| 11/30/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
Bankruptcy CHXXXX in XX/XX/XXXX, last payments XX/XX/XXXX. Had acct w/Beneficial/Household Finance in XX/XX/XXXX. Paid XX/XX/XXXX. I do n't remember this but Bankruptcy CR in XX/XX/XXXX showed another loan opened in XX/XX/XXXX for {$15000.00}. This XXXX not shown on XX/XX/XXXX XXXX. Payments were made to Beneficial thru the court starting XX/XX/XXXX with last being XX/XX/XXXX. This acct not shown on XXXX XX/XX/XXXX. As of XX/XX/XXXX a new account appeared delinquent on XXXX from XXXX, opened in " XX/XX/XXXX '' last pymnt XX/XX/XXXX, charged off {$10000.00} " reported XXXX XXXX '' meaning they are re aging this as well as claiming the account as theirs. Nothing stating it was in Bankruptcy.
|
| 06/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
i received a call from a lady named XXXX with the phone number XXXX XXXX XXXX XXXX and shed said they were issuing a subpoena for court to be sued. She then directed me to call XXXX XXXX XXXX to see the reason why i was being sued. XXXX then asked for the number XXXX gave me which was XXXX XXXX XXXX so i gave that to her and she came back to me with the reason i was being sued was for a debt with HSBC which was a credit card debt that was back in XXXX they have called me XXXX times threatening on this matter. telling me that the debt will XXXX if they have to take me to court and trying to force me to pay the {$1400.00} something that i owe. my dad private attroney said to file a complaint
|
| 05/24/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Problem with customer service
|
|
Web |
|
|
I'm trying to pay off my balance on my credit card and I downloaded the app for the bank and every time I try to pay it off it says that my account is not allowed to have me pay through the app, so I go online to the website and I pull up my account then when I go to try to pay it it tells me that I'm not eligible for that service either. I've called the customer service and told them that I'm having a hard time paying it because of the way to computer is set up. I took the survey at the end of the session and indicated that I was not happy with how difficult it is to pay your balance on your credit card and it still is very very difficult to pay this balance off through electronic means.
|
| 11/10/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I was a loyal customer of HSBC for many years, however, my account was closed without any notification recently. I received their eStatement on XX/XX/2021 and was told that the account was closed on XX/XX/2021 due to no activity. I used their mobile apps occasionally to check my balance. I also have their email confirmation that they have my correct address.
They just closed my account without any notification and turned over my money to the state abandoned property. Their excuse is that they tried to reach me with different address. However, as I mentioned that I have proof that they have my updated address. I can not believe that a bank treating their customers like this will survive.
|
| 07/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have tried for several months to get an issue resolved of a {$400.00} charge and a {$250.00} charge since XX/XX/2020 and the credit card company won't issue me a refund because they state it's over the allotted time but I have been in contact with HSBC regarding this matter multiple times and still nothing I am not paying for something I believe I should of never been charged in the 1st place from XXXX XXXX till the problems I was having were fixed properly then they could have charged me for a XXXXXXXX XXXX XXXX on my car. I refuse to pay this amount of money {$650.00} I think HSBC should have to eat this amount with all the running around I have gotten over the last several months.
|
| 04/22/2016 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
After a year and a half working with HSBC mortgage on a loan modification, I was told that my modification was denied due to insufficient income. I filed an appeal and was denied a second time. In speaking to one of the representatives, I was told that my expenses exceeded over {$7000.00} per month which is incorrect. I was also advised by my counselor that my interest rate increased in XXXX 2016 from 3.25 % to 4.25 %. I was never notified of an interest rate change. During the modification process HSBC refuse to take my mortgage payments and now I am over {$25000.00} behind and facing foreclosure. This is my second time filing a complain, my first case was closed without any resolve.
|
| 01/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Attached is letters from a supposedly law firm trying to collect money. I viewed my credit reports and found no such debts.
Account # XXXX Client : XXXX, XXXX, XXXX & XXXX XXXX LLC Claim # XXXX Amount : XXXX, XXXX offer of XXXX.
I called and asked who the company was and they only gave me " HSBC bank ''.
They also gave me a date of 2018 and the name XXXX XXXX XXXX.
I have never heard of this company and the date doesn't coincide with any action or purchases I have ever made. Again, I searched my credit reports and there are no coincidences.
They're phone number is XXXX ( XXXX ) XXXX Website : XXXX This is the only correspondence I have received to date.
Thank you for your help,
|
| 03/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
There are 2 transaction from XXXX that you guys are trying to charge me back from my dispute, one on XX/XX/2019 for {$230.00} and XX/XX/2019 for {$340.00}, as i have disputed these items since i never gotten the item and i have contacted XXXX many time and most of the time i was just on hold this is why i'm currently disputing the transaction on my bank account. and all of a sudden you guys decided to charge me back with a letter stating that you guys want a letter from me when i try to contact you guys back and someone told me nothing is wrong? this doesn't make any sense ... ..anyways, i still don't have the items that i purchased online and this isn't fair for me to be charge for.
|
| 10/31/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Please find enclosed printed account records to support the following problem with my accounts. On XXXX XXXX, 2017 I made a mobile/Internet Banking transfer of {$1000.00} USD from my HSBC Premier Checking account # xx-xxxxxxx to my HSBC Premier XXXX account # XXXX, Transaction Reference # XXXX. As the records indicate the amount was debited from the Checking account but was not received in the XXXX account. This has affected the balance as now incorrect and caused more interest to be charged than should have been.
Would you please look into this matter at your earliest possible opportunity and post the corrected amount to my XXXX account and adjust the interest payment.
Sincerely,
|
| 01/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I get numerous calls from all kinds of scam companies for a debit that was satisfied in 2011 by the original debtor. The one today was a different name than yesterday but the same story. It is a robocall stating that there are multiple infractions against my name and that they are going to take legal action against me unless I settle with them. This time I pressed 1 to talk to someone to tell them they are in the wrong and the person who picked up the line said nothing about being a debt collector. They then said that I already spoke to someone, I did not, and told me to, " get off my XXXX line. '' They then hung up. The number that called me was most likely spoofed but it is, XXXX.
|
| 12/26/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
We do not have an account with this bank We received emails asking us to verify info.
We suspect the emails are scams Addresses on our emails ...
HSBC Group HSBC Group Textin emails ...
Dear Customer Your account has been suspended due to suspicious activities.
We're letting you know that you have exceeded the maximum number of attempts to authenticate with your credentials. As a result, for your protection, we temporarily suspended your ability to access your account online and to receive codes.
Verify your Access You have to reactivate your account within the next 24 Hours in order to continue using it.
Thank you for choosing HSBC for your banking services.
|
| 03/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I applied for a XXXX with HSBC in XX/XX/. After I submitted the application I never heard back from them. I forgot about the application until one day I checked on my credit score and according to XXXX, there was a hard pull from HSBC onXX/XX/XXXX. I called XXXX and was told that I had to call HSBC to remove the inquiry. I called HSBC at least 3 times last year trying to resolve this problem. However, I got transferred to different departments every time and not a single person could find any record of me or the application. I am still confused what had happen on their end and would like the hard inquiry to be removed - or at least they should have told me if I got approved or not.
|
| 05/22/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
XXXX XXXX contacted me by phone XXXX XXXX, 2015 stating that I owed {$6000.00} to a XXXX XXXX Credit Card that I never had. XXXX XXXX XXXX XXXX stated that I would be taken to court and my wages would be garnished. I sent a certified letter on XXXX XXXX, 2015 telling XXXX XXXX that the debt was not my debt and please do not contact me anymore. XXXX XXXX than sent me a letter stating I now owe {$14000.00} since I did not pay the other amount stated. I against sent certified letter to XXXX XXXX stating that under the Federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt ; that is not my debt. I never had a XXXX XXXX Credit card.
|
| 07/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I depsoited over 8700 in an HSBC account over 7 months ago and they have refused to turn over the funds until i served them with a lawsuit. I have asked for my costs for my attorney and my funds be returned to me they are only offering my deposited funds which they only did after i filed suit. They have hired a huge law firm XXXX which cost more than the money in question. I am seeking tohave my lawyer costs and court costs plus the deloisted money returned back to me. this is an awful bank and i am sure i am not the only one they did this to. They did nto even provide me with statements or any explanation written or otherwise. i called them in excess of 100 times. Can you help me?
|
| 07/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I realized I was a victim of identity theft when I received notification on my credit report that HSBC pulled my personal credit in XX/XX/2018. Then it began reporting a 'new ' credit card with HSBC XXXX I did not contact HSBC to open up this account. While doing research and calling HSBC I found out that the perpetrator not only called to apply for this card with my personal information but that he also went to the post office and changed my address to his personal address in order to receive my mail at his residence. I don't know this perpetrator is, and have placed a fraud alert on my credit reports. I also went to my local police department and I filed a id theft police report.
|
| 10/06/2015 |
Yes |
|
|
|
Web |
|
|
I opened a XXXX XXXX account on or about XXXX 2011. Due to the fact that I was laid off from my former employer, I was unable to make the minimum monthly payments. I have tried on several occasions since to get this account paid but no one is able to find me in the system. I understand the XXXX sold the account to XXXX XXXX but they no longer have the account with them either.This account is having a negative impact on my credit report and I would like to either get paid paid or have it removed ASAP. They are not able to validate any of the information or tell me who I should contact to get this account taken care of. I need to get this resolved ASAP, this has gone on much too long
|
| 03/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
The issue is with HSBC Bank USA. I recently opened a HSBC Cash Rewards Mastercard in XX/XX/2019. I attempted to make my first payment on XX/XX/2019. It was reversed on that same day, but it did not reflect as such on my account for two weeks. The company also charged a reversal fee of {$25.00}. I called and HSBC claimed it was an issue with the bank. My bank said that there was never a withdrawal attempted, and I had a sufficient amount of funds. I called back again and attempted to make the same payment on XX/XX/2019. Now, there is another hold and the payment has not been made. I can not have a credit card that I can not make payments on, and it's hurting my credit! I need help.
|
| 06/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
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I was invited to open an account by HSBC. The credit card was opened in XX/XX/2018. At the time of activation I requested that the bank place me on auto bill pay so the minimum amount due each month would be deducted from my bank account. However, despite multiple attempts, they never assisted me in setting it up. After manually making these payments for a few months, I again tried and was told that it had been setup. However, the auto payment for XX/XX/2018 did not go through and without any further notification or attempt to contact me, late payment fees were issued and my account closed. Very unprofessional behavior from a bank that was begging me to open an account with them.
|
| 09/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
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I received confirmation from HSBC that my request for a loan modification had been approved as of XX/XX/XXXX. After asking several questions regarding the modification, it is clear that the modification will cause more harm than good. The STEP modification will reduce my interest initially then step back up to almost 6 % in 3 years putting me back in the same situation I am in now and will increase the maturity of my loan from XXXX to XXXX. I made in effort in good faith to request the assistance from HSBC but it seems they have only increased the hardship through this modification instead of providing assistance. This is an unfortunate matter to which I would like a resolution.
|
| 02/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
Older American |
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On XX/XX/2018 I opened a credit card account with HSBC Bank in response to their invitation letter offering {$150.00} Welcome Bonus with a condition as to spend {$500.00} within three months.
Within less than 3 months we already spend required amount using the issued credit card. I spoke to the bank customer services and they told me that you do not have the welcome reward associated.
I think this bank is running some sort of scheme and misguided the customer.
We have been holding the checking account with this bank since more than 15 years.
Issued credit card number is XXXX - HSBC Bank Credit Card.
We have closed this account.
If need more information we can provide it.
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| 01/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
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I opened a checking account with HSBC in XX/XX/XXXX being attracted to their welcome bonus. I called numerous times because the bonus was not deposited to my account yet, always got answer that I have met the criteria, bonus it's on the way. Now in XX/XX/XXXX they are telling me that I haven't used the proper link. I am CONFIDENT I have used the proper link. This is ridiculous, they have the worst customer service. Before giving me this nonsense answer they were telling me they need my application number, why would I have this, thats their internal information, I am giving them account number now.
However, I used the proper link and this makes no sense, please get it resolved
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| 08/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
HSBC locked my checking acct. I called & they said it was because of 2 things : 1, my home phone # was changed. Well, I looked on my profile & it didn't ask for, nor did I provide a home #. Just my cell #.
2, On XX/XX/XXXX, I got a deposit from a family friend : {$1500.00}. On XX/XX/XXXX I transferred this {$1500.00} to my other bank. They said because it was taken away, it must be fraud, when it specifically said " TRANSFER '' I have sent them an email, because they transfer me or hang up on me when I called.
I was going to go to their branch, 20 min. away today. And first I called & the phone # was disconnected. And my GPS showed an open field & said " building missing. ''
|
| 08/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American |
|
Dear Sir/Madam ( ref previous id # XXXX ) I thank you for following up the problem with opening an account with HSBC bank and to let me know their respond. It is not yet clear which of the following items or anything else made the bank unable to open an account for me and my wife. Has there been any problem with my : a.USA legal permanent resident ID card b.XXXX XXXX XXXX ID driving licence c.USA social security ID card d. Our age e. Our income level f. Our retirement g. The forms which we filled with teller help and signed h. The oral conversation and answers we provided or any other information, would the bank please make it clear what made them unable to open account for us
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| 12/11/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Collector called, provide information on the account without verification. Threatened to have law enforcement at my doorstep within 30 minutes if payment was not received. Accused us of being deadbeats for running up the credit and not paying it off. When asked to verify agencies information ( name, address, professional license number ) became more aggressive and disconnected the call. When I attempted to contact the agency for the details, I was transferred to another collector ( XXXX XXXX ) that the previous collector ( XXXX XXXX XXXX was no in charge of the account. I have tried to verify Professional License XXXX through various agencies and I have not been able to do so.
|
| 12/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
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|
Web |
|
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I opened HSBC advance checking account to receive a {$400.00} bonus. I have asked HSBC three times, via my online account webpage messaging center, when the {$400.00} will be credited. I am getting answers such as, " 90 days after depositing funds '', " six to eight weeks after completing all requirements '', and " approximately eight weeks after completing all qualifying activities, which would be by XX/XX/XXXX. '' My understanding on opening the account is that I should receive it by XX/XX/XXXX, per the first answer " 90 days after depositing ''. Now it appears that it would be " approximately '' two months later.
Please confirm when the {$400.00} bonus will be available.
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| 04/15/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
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I received a letter from HSBC indicating that a recent review was conducted of my online savings accounts and that due to this review HSBC was closing my accounts. In the letter it states I can access my online account to transfer money using a wire transfer. I tried to access my online account through multiple avenues ( smartphone, PC ) but could not access my account due to a " technical error ''. I then call HSBC customer service where they could not give me any information about why they were closing my account or any of my regular account information. The HSBC customer service rep told me that once I got the letter she could not give me any information about the account.
|
| 08/11/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XXXX XX/XX/2022 evening, hsbc restricted my account without updating me the reason why so the next day i head down to the branch and asked. So they said i have made a repeated transaction via paynow to others and one of my transaction i state it as cat supplies. First of all, all transaction is to myself and no one else and i state it as cat supplies because obviously i going to buy my pet stuff. Hsbc account tht im holding is a savings account. I have been pestering them via calls and heading down to branch. Still there is no updates, even some of the customer service are rude. This isnt fair for them to restrict my account for such a long period and went MIA afterwards.
|
| 02/25/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
Several family members from received phone calls in the past week from XXXX, regarding " active litigation '' against me. They have never attempted to contact me, that I 'm aware of. I called the above number today and gave them my " case number '' which they provided to my family members. Spoke to a paralegal named XXXX XXXX who said her firm, XXXX XXXX XXXX had been hired on a contingency basis, I explained that the old debt that she had mentioned had passed the SOL in Florida. She said that I could sign the papers and let the judge decide. She said that they would serve me at my employer today, and when I tried to make sure they had the correct address, she hung up on me.
|
| 10/10/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have a " Promotional Advance Savings '' account at HSBC Bank. HSBC has just announced that they are going to change the statement frequency on this account to quarterly instead of monthly, also implying that they will change the posting of interest accrued to quarterly instead of monthly. This arbitrary and unilateral action is unfair to customers, who depend on receiving their interest postings monthly as originally agreed to when the account was opened. I do n't care if they change the statement frequency for new accounts from this date forward, but I think it is unsat for them to arbitrarily and unilaterally change this important account parameter for existing accounts.
|
| 09/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
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On XX/XX/, HSBC US locked my account, including Checking, Saving, Credit card. When I called them to ask why they did this, HSBC US replied that they would conduct an account Review without giving me the reason or time to solve the problem, but only asked me to wait indefinitely. However, I just put about XXXX XXXX dollars of my real estate transaction into this account before XX/XX/XXXX. Together with the XXXX XXXX dollars stored in this account before, my account contains more than XXXX XXXX dollars, which is a large amount of money. I need HSBC US to return the money to me as soon as possible, rather than locking my account indefinitely and taking possession of my money.
|
| 10/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I have been harassed by a company named XXXX XXXX XXXX. XXXX. They're calling about a debt with HSBC ( acc # XXXX ) that dates back to XX/XX/XXXX. They're calling my family, my employer and I average about 30 calls a day from them. EVEN THOUGH I told them on XX/XX/XXXX to " cease and desist ''. I called them AGAIN today and asked them if they knew about the FDCPA? THEY HAD NO CLUE. They also claim they have another account in their office for XXXX XXXX? ( account # XXXX ) from XX/XX/XXXX. I asked them on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX to STOP CALLING and they still call! I've asked if they keep notes or they record their calls? THEY hung up on me! PLEASEEEEEEEEEEEE HELP!
|
| 01/13/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I was in debt for about {$20000.00} in XX/XX/XXXX. I did not know what to do so I went HFC a loan company to borrow this amount of money to pay off the debt. XXXX, the HFC employee stated that I could the money as long as I gave HFC my car title. I gave HFC my car title and I received the money to pay off my debt ; however I have been on this loan for over 8 years. I have not missed any payments until XXXX/XXXX/XXXX. This debt amount has grown to {$25000.00} instead of going down. This amount should have been off within 5 years or less. I believe I have scammed and I would like help to cancel this debt since I have paid more on it than the amount that I borrowed. Thank you.
|
| 04/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
My account at HSBC back was on hold for about six months to a year, and XXXX to XXXX my balance of {$14000.00} was to be funded to and a form of a check due to account closure. When the cashier check made it to me it was made out for XXXXcents I called HSBC customer center to ask them why and were did my balance go, they told me that they don't know of what I was calling about and kept sending me to a different department were at the end of me waiting for hours, they will just hang up on me very disrespectful and my issue was never resolved. Please I'm reaching out for help I've worked very hard for my earnings and need help on getting what's deserved back to me. Thank you
|
| 01/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Approximately XX/XX/2021 I opened a checking account with HSBC USA. I was eligible for an account opening bonus approximately XX/XX/2021. To date the bonus has not been paid. I have made several inquires and each time I am told it is being investigated and should be resolved in four weeks. Most recently I was advised if I did not continue qualifying transactions that I would not receive the bonus. This is misleading as I should have received the bonus shortly after qualifying in XX/XX/2021.
I have learned HSBC USA is selling some of its retail banking to XXXXXXXX XXXX. I suspect this is any attempt to delay payment of account opening bonuses until bank ownership changes.
|
| 12/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/2018 I deposited {$10000.00} by XXXX to open a new HSBC account based on a promise of {$350.00}. After it took HSBC an unusually long period to credit that electronic deposit, I wrote them via their secure message feature to complain and to memorialize that I only opened the account for the {$350.00}. Since then, I have sent more than a dozen follow-up messages asking when I would receive the {$350.00} and I was told it takes time ( app. 90 days and it's been app. 170 days ) until now, when they did not even bother to promise the {$350.00} or offer an excuse but said instead that I can have my money back less a {$25.00} " penalty '' that they never even disclosed.
|
| 08/05/2015 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
'Reporting a account they can not verify. I found a Charge off on my Credit report from HSBC for an XXXX Bank card. I disputed it with the CRA it came back verified. I than sent a letter to HSBC about this heard nothing back. I then called them and I spoke to a Customer Service Representative in the Executive Office. She informed me that your HSBC does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP. '
|
| 06/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Older American, Servicemember |
|
I sent a rent check to my landlord on XXXX XXXX , 2016 and in XXXX the landlord told me they never received the check ( # XXXX amount {$1300.00} ) so I immediately went t o HSBC ( XXXX XXXX , XXXX , NY XXXX ) and got a copy of the check, the check was fraudulently endorsed and cashed. I then filled out an Affidavit to start the investigation to be reimbursed. I went back to HSBC after a couple weeks and was told the check ( # XXXX ) h ad been cashed at a XXXX XXXX XXXX and they were waiting to get the funds from them. I have called and returned to the bank several times and I am still waiting on this investigation. I have not been reimbursed!!
|
| 03/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
got loan from HSBC OR bENEFIAL FINANCE FOR MY HOME XXXX XXXX XXXX, LATER I HAD TO FILE BANKURUPSY BUT HOME NOT INCLUDED THE DROPPED MY PAYMENT TO XXXX A MONTH PAY OFF SAYS XXXX PLUS ADDED FEE FOR XXXX I HAVE NEVER SIGNED ANY PAPERS WITH THIS COMPANYM LIVED HERE SINCE XXXX STILL HERE AND STILL OWE THIS MUCH MONEY? I HAVE NO PROBLEM MAKEING MY PAYMENTS TO XXXX WHICH HAS THE LOAN NOW, JUST DONT UNDERSTAND XXXX EXTRA NO MODAFCATION PAPERS WERE SIGNED EITHER I WANT TO PUT MY CARETAKER ON THE REFINANCE BUT THEY HAVE HIM ON THE LOAN BUT NO DEED IIAM THE ONLY XXXX ON THE DEED PLEASE THIS HSBC OR BENEFICIAL ARE RIPPING ME OFF I HAVE HAD XXXX AND CANT AFFORD AN LAWYER WHAT DO I DO?
|
| 02/17/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Due to an error ( not submitting insurance payment from our escrow ) on the part of the Mortgage Servicer, beginning 2 years previous of notification to me, I was placed on " Force-Placed '' Insurance, and the payments went up from aprox. {$1900.00} per month to almost {$2600.00} per month.
Even after we got our own insurance, we were considered a " High Risk '' insurance, and ca n't get the rate we used to have, but now have a {$2300.00} per month payment to deal with.
I want to get my old payment back, as now this is a major struggle to meet payments, and I fear that I will lose my home due to someone 's ineptitude.
HSBC 's attitude has been one of aloof indignation.
|
| 02/05/2016 |
Yes |
|
|
|
Web |
|
|
I filed a dispute with XXXX, XXXX, and XXXX about an unknown debt listed on my credit report as a collection item. completed the form dispute process and asked the collection agency, XXXX XXXX XXXX, to provide me with documentation validating the debt belongs to me.
On XXXX XXXX, 2016, I receive a letter from XXXX XXXX XXXX XXXX XXXX, where they failed to provide validation of the alleged debt to XXXX ( Merchant ) or the alleged original creditor, XXXX. The collection agency, cited the " seller 's records '' but failed to provide me with documentation that this debt belongs to me.
I am requesting that the invalidated debt be immediately removed from my credit report.
|
| 10/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I was trying to refinance and i had submitted all the information and paid the appraisal and he said was aapproved and three months later he wanted a letter from the employer saying the reason why she was on medical I sent him the doctors form and also the form from the state but he wanted the employer to send that but the employer said that it was confidencial information. And he said I did not qualified because of that letter from the employer and because of the foreclosure which I had told him at application. Three months he said i did not qualified because of that .hI told him that I needed a letter of explanation he said he was going to send me one he never did said
|
| 03/21/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
This debt was thrown out of court, XXXX had this debt for XXXX credit cards and what they did was combined the XXXX together and brought me to court. Judge threw out the case due to improper documents, the bottom line was i had XXXX insurance on this debt and the debtor being XXXX household financial did n't honor my XXXX insurance after i gave them all the documents required they sold debt to XXXX when the credit card company should have honored my XXXX that shown documents that i paid {$4.00} a month foe insurance on both them accounts. So portfolio had both debts sold to them and they combined together in court was dismissed but XXXX still shows XXXX of the XXXX debts
|
| 08/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Hi, I am filing this complaint because I am not able to reach certain department of the XXXX XXXX to solve a verification issue which cause my bank account to be on hold.
I received a email from the Security & Fraud Risk department asking me to call back to solve a issue, with a reference Number XXXX XXXX. I called the number according to their instructions for several times, but its impossible for me to reach this department. I had to hold for more than 2 hours once.
I need access to this bank account as soon as possible. And XXXX XXXX should call me as soon as possible to solve this since they failed to provide a way of communication. My phone number is XXXX XXXX.
|
| 12/30/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
I am a Title Insurance Agent in XXXX XXXX, NJ and an underwriter for XXXX XXXX Insurance Company. I have XXXX matters that closed over a year ago which I can not issue policies to the new owners due to the fact that HSBC has not recorded the discharges for the seller 's mortgages, leaving them remaining open of record. Both of these matters were the subject of a short sale. This office holds the documentation wherein HSBC agreed to the terms of the short sale. However, after the closing took place, the mortgages were never discharged. I am under strict obligation by my underwriter to issue a title policy in a timely fashion, however HSBC is negligent in XXXX matters.
|
| 08/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX contacted me by phone and said I owe {$2000.00} for a delinquent credit card balance.
I have excellent credit and have never missed a payment so this sounded fishy.
I called HSBC and they did a search under my SS # and have no record of me at all.
They threatened me that if I didn't pay I would have to take it up with the judge.
I never received any certified letters at all from them witch is probably the first step to recover a debt i'm sure. I was very close to paying a {$1300.00} settlement when I decided to check to see if the debt was real because I never recall having a HSBC credit card.
|
| 07/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
HSBC made a mistake in sending me 2 ( two ) refunds for my credit card. The amount on the billing reported via telephone was 0 but in fact {$270.00}. A copyof the second check was sent to my office for varificvacition 5 months later. Durning this time period it was reported to XXXX as late payment which significantly brought down my credit rating and had massive financial loss due to bad credit. All other credit reporting agencies were good.
HSBC admitted the mistake and informed XXXX To daet here is no change or correction to my low incorrect credit score. Legal action against XXXX and HSBS will follow shortly after my administrative channels have been exhausted.
|
| 06/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
In XX/XX/XXXX, I mailed a check ( # XXXX ) for XX/XX/XXXX rent for {$3000.00}. My landlord never received check # XXXX. I discovered the check was forged and submitted an affidavit to my bank HSBC. I was reimbursed for the check on XX/XX/XXXX.
However, since I was behind on rent for several months, I was required to appear in court on XX/XX/XXXX. My landlord charged me {$870.00} + $ XXXX= {$890.00} in legal and processing fees. In an email on XX/XX/XXXX an HSBC representative says they will not reimburse the legal fees.
HSBC is liable for the fees because their mistake ( allowing a forged check to be cashed ) is the reason I had to go to court and pay the fees.
|
| 04/12/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
Debt was discharged in bankruptcy in XXXX. Received letter XXXX from 3rd party collection agency stating that I still owe original creditor. I called XXXX, XXXX XXXX XXXX, spoke to XXXX XXXX & gave them the bankruptcy file number & told them this debt was not valid. He said my lawyer from the bankruptcy did not do their job & that here was an arbitration judgement issued in XXXX & that he was collecting on behalf of that judgement. He was able to finally verify the item was listed in bankruptcy discharge & continued to belittle my lawyer for getting me in this problem in the first place. He was very rude & made me feel victimized for something that is a non issue.
|
| 02/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I recently discovered I had {$17000.00} missing in my business checking account. They not only emptied my account, they maximized my overdraft too. I now owe all this money. Somebody used my information to create ACH payments.
The bank ( HSBC ) informed me they won't be able refund me as it was over 48hrs to notify them. I was over sea 's, that was never possible. Their management have been very helpful in beginning an investigation. However, I am still not protected. What other options are available outside of the banks investigation? ( they are contacting the vendor 's who received the payments to request a refund ). To date, the vendors have not refunded us.
|
| 10/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I refinanced our mortgage the mortgage company sent one check, and the check was not processed. My mortgage company sent a second check the check processed by HSBC in XXXX. Had a XXXX balance from HSBC for XXXX and XXXX bill. On Saturday XX/XX/XXXX received a bill for XXXX with a returned check fee. I called my mortgage company they are saying the check was processed.. HSBC sent me a check back in XXXX for XXXX, and I ripped it up want nothing to do with this company at all. I have demanded they close my account, and they refuse to close the account, and will not stop billing me. I would like the account to be at XXXX balance, and closed.
Thank you, XXXX XXXX
|
| 01/30/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
We have been clients from HFC for over 20 years paying a outrageous interest rate of over 14 % and have been attempting to refinance and have been unable to do so XXXX XXXX occassion was told " why would we do that as your XXXX of our oldest account with high interest '' on multiple occassions have been charged for homeowners insurance which was aded to our principle. We had our insurance company fax the proof and still they continued to charge us every single month. In addition they report we have n't made payments when in actually we have been in our attempt to refinance as very good people who have been stuck in this horrific whirl wind of despair thank you!
|
| 02/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a motorcyle in 2006 and the dealership financed it through HSBC. I paid it off in XX/XX/XXXX and sent a small refund for overpayment on XX/XX/XXXX. In XXXX of XXXX I decided to sell my motorcycles and get duplicate titles. I learned the HSBC still has a XXXXien on my bike and I had to have then issue a " lein release ''. have called HSBC repeatedly and sent the letters for the lien release. I have not had any response from my letters and I have been repeatedly put on hold then ultimately disconnected. The last letter I sent via their instructions has also been met with no response. HSBC has not only been unhelpful they have been dismissive as well.
|
| 05/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XXXX XX/XX/2022 I transferred XXXX USD from my HSBC US checking account to my nieces account in my home country XXXX via a wire transfer. While i put all the account details correctly, i typed the wrong bank name which resulted in the transfer not making it through.
After 2 weeks i called my bank and we corrected the transaction details but the transfer never made it through neither was it returned to my account. Its been almost 2 months now, i have called the bank several times, they promise they will follow up with the transaction team and call me back but they never do. I want the money to return back to my account but HSBC hold the money for no reason.
|
| 05/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I had a mortgage with HSBC and I refinanced with the bank in XXXX, but I never received my form 1098 for my old mortgage from the bank. The deadline to file XXXX taxes is XX/XX/XXXX and I contacted the bank multiple times to ask for a copy of form 1098 since XX/XX/XXXX. HSBC didn't care about my request and was not willing to expedite it. Even though HSBC kept telling me that they already sent me the form, but I don't believe it is true, because I have been waiting for the form for more than 14 days since XX/XX/XXXX. The bank was uncooperative and not transparent throughout the whole process. I am not able to file my taxes on time due to the missing form 1098.
|
| 07/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XXXX XXXX I deposited a check issued to me in the amount of {$3800.00}. The bank notified me that the check was fraudulent. I had no knowledge of that. Deposited the check for the first time since having the account. I had monthly social security deposits in the amount of {$510.00} going in the account every 3 rd of the month. Bank ( fraud department ) told me the account is going to close and they will issue a check to me with any funds owed to me. It's been over 2 months now and I haven't received my money. Every time I call they'll tell me the same thing. I need the money for my XXXX child. They haven't closed the account and it's been 2 months already.
|
| 12/23/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
HSBC has an illegal lien on this property, they charged off the note 10 years ago and sold the account. Since then the note has been sold several times. At this point due to the last co to own the note went bankrupt, and now no one has any information on it. I had the house sold but it fell though because hsbc would not release the illegal loan they they still hold My lawyer requested a release and they refused. Ct Statute say an illegal alien is when the party has now legal claim Which they do not I a XXXX veteran on a fixed income and can not afford a lawyer for This Please make them release the lean I get offers every day for this house but can not sell.
|
| 08/27/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
My husband and I took out a 4 year loan back in XXXX with Benefical. We fell behind early on in our payments. In XXXX roughly we settled the loan. This is still reporting on our credit reports as a negative account. I contacted XXXX today because I disputed it and it came back verified. They told me that Beneficial reported our first late payment in XXXX XXXX so it would come off of the credit report until XXXX. Ive tried contacting the company with no response. This is absolutely obsurd! How could I make my first late payment in XXXX when it was a 4 year loan taken out in XXXX, According to XXXX they re-aged our account in XXXX so it would keep reporting.
|
| 07/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
I opened an account with HSBC. I had a difficult time initially funding the account. I made a small deposit followed by a {$400.00} deposit. I received a {$40000.00} transfer into my account. The next day I wanted to use a wire transfer to another account. I was told that the account was suspended. I called and talked to some who would relay my concerns to the bank 's fraud department. I was told that the account was under review. The bank keeps delaying their decision to reopen or close the account. They are stalling. I ask for an expedited decision and was told a decision would be made on a Friday. The following Monday I called and no decision was made.
|
| 05/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
In XXXX, I opened a new HSBC Checking account and HSBC savings account. For the checking account, per HSBC online offer terms, I should receive {$60.00} bonus every month for the first 12 months if I have direct deposit of at least {$3000.00} into my checking account each month. I already met this requirement for the first two months since I opened my account. However, I have NOT received any of the monthly bonus yet.
I called HSBC customer service to report this issue. However, the bonus still has NOT been posted to my account yet. I am writing to request HSBC to immediately post the {$120.00} bonus for the first two months to my HSBC checking account.
|
| 02/08/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
Were in the process of refinancing our home mortgage. There is a pre-existing, zero-balance HELOC that the new lender is seeking to subordinate to its loan. I have contacted my bank, HSBC, and was advised by its Special Loans group ( approximately XXXX2021 ) that the only way to get that done was to email XXXXXXXX XXXX to request that it be done. I made repeated requests by email with no response. Ive supplemented that with calls to the Bank itself, who, no surprise, disclaims any ability to do anything.
The refinancing is important to my wife and me, and this lack of accountability and responsiveness can not stand. Appreciate any help you can provide.
|
| 01/30/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
this is a continuation of complaint # XXXX now today I get a phone call on my cell phone from a man who says he represents XXXX XXXX XXXX XXXX who now have this account from XXXX XXXX.
Stating again they are representing HSBC.
this man openly admitted the account is 9 years old and when I asked him what Statue of Limittations were in California couldn't give me an answer.
he wanted me to accept a XXXX for the debt in which I refused and hung up.
I would like action taken against this company and XXXX XXXX. for selling my personal information.
I constantly have to worry about Identity theft due to HSBC 's lack of following good collection practice.
|
| 12/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Older American |
|
Received a voicemail stating I have been officially notified.
I called the number XXXX ( XXXX ) XXXX that came up on screen.
XXXX said I owed a debt to HSBC for a credit card from 2017. I do not.
Said I was being sued for fraud & now I owed {$5000.00} because I hadnt responded to their letters. No letters Said they were going to take everything & garnish my XXXX & annuity.
Said she could, possibly, have me call a number & get the sum reduced.
I hung up on her & proceeded to call HSBC. They have no records for me. Bank person suggested I check my credit report. I did & nothing there.
But, the scam lady read off my social security #.
What do I do?
|
| 04/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened an HSBCNet XXXX XXXXXXXX XXXX XXXX account on XX/XX/XXXX that came with a {$300.00} referral sign-up bonus promotion. The requirements to receive the bonus were to deposit {$5000.00} within 30 days of account opening and keeping this deposit in the account for 90 days. I deposited {$5000.00} on XX/XX/XXXX and have kept it in my account ever since, as of XX/XX/XXXX. The bonus should have been paid out within 8 weeks of the full bonus qualification, which would have been XX/XX/XXXX. It is now XX/XX/XXXX and I still have not been paid, even after contacting HSBC multiple times by phone and email and being told that the bonus will be paid shortly.
|
| 07/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
HSBC BANK CONTINUES TO CHARGE ME FOR CHARGES ON MY CARD THAT I DID NOT MAKE. THE CARD WAS EVEN CLOSED DUE TO FRAUDLENT USE. PLEASE HELP. I HAVE SENT THEM THE PAPERWORK THEY SENT ME ON THESE CHARGES THAT WERE MADE ON MY CARD ON XXXX. I HAVE SENT IT NUMEROUS TIMES AND THEY INSIST THAT ARE GOING TO CHARGE ME NONEHTLESS. THE ONE CHARGE IS {$6.00} FROM XXXX AND THE OTHER ONE WAS {$5.00} FROM XXXX ON XX/XX/2021 BOTH OF THESE CHARGES WERE NOT MADE BY ME. BUT THEY ARE GOING TO CHARGE ME ANYWAY. I HAVE UPLOADED THE PAPERWORK SEVERAL TIMES TO ADVISE THEM I DID NOT MAKE THESE CHARGES. PLEASE HELP. THEY REFUSE TO LISTEN. I AM NOT PAYING FOR CHARGES I DID NOT MAKE
|
| 04/07/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XX/XX/XXXX I tried to initiate account closure with HSBC via phone but as of XX/XX/XXXX I do not see any evidence of action taken to actually proceed with the closure. I would like to close my HSBC Premier Account XXXX, and my HSBC Premier World Mastercard Account XXXX, and my HSBC Brokerage Account XXXX. The Premier World Mastercard has a negative balance of XXXX that I would like to be mailed to me as a check to XXXX XXXX, XXXX XXXX XXXX XXXX, Apt XXXX, XXXX, IL XXXX, XXXX. I have cleared HSBC Premier checking account balance to {$0.00} and to this date have not figured out how to fund the brokerage account online so it also has {$0.00} balance.
|
| 05/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I was solicited from HSBC to open a new premier checking account where I could receive cashback on my direct deposits. I applied for a new checking account and was approved and deposited my opening deposit. I also transferred monies from another account that I had into this account. I logged into or tried to log into my online banking and saw the account was restricted. I called HSBC and they stated that my account was closed for a reason they are not able to disclose on XX/XX/2021. I have called several times and they keep telling me that they are unable to tell me when they are going to mail me my bank account funds. It has been over two weeks now.
|
| 12/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 11/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
Someone by the name of XXXX XXXX continues to call my number and family members who are distant relatives leaving threatening messages that they are going to sue me or garnish my pay for a past debt that was included in a bankruptcy in 2012. I've contacted HSBC and XXXX XXXX and they have no information on any accounts in my name that this individual or company is claiming to sue me for. I've given them my attorney 's contact information in XXXX XXXX, CA and yet they still continue to call me and harass me with threatening messages. I have no record of the account they are referencing and it does not show up on any credit reports dating back to 2012.
|
| 12/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I have presented HSBC Bank with disclosure of concerns pertaining the request for a debit card that has not been address since the opening of my account. A supervisor has acknowledge the error and noted on the account that indeed a debit card was requested at the time of the account application. The supervisor apologized for the poor practices and said that a debit card would be expedited to me. It has been several months since the opening of the account and I have not been issued a card nor other concerns have been address with propriety.
The continue failure to act appropriately is unacceptable and I continue to be prevented from using my account.
|
| 03/23/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened a new HSBC account on XX/XX/XXXX in response to their offering a {$350.00} signup bonus ( proof attached ). I fulfilled all terms of the signup bonus, but did not receive the bonus.
After escalating with customer service, they told me I did not qualify because I had an open account during the time ( attached ). However, the terms clearly state only customers with an open account between XX/XX/XXXX and XX/XX/XXXX are not eligible ( proof attached ).
My previous HSBC checking account was closed on XX/XX/XXXX. This means I am eligible.
HSBC has failed to abide by their own terms and did not award me my bonus that I am fully qualified for.
|
| 10/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
HSBC bank has been stealing money from my account for more than 3 months. I filed 2 complaints before with CFPB. Based on HSBC statement, the hacker ( inside of HSBC ) still stealing my money, because I could not access my account, all my accounts has been suspended since XX/XX/2018. I have never received respones directly from the company. I made many phone calls, they refused to serve me. As matter of fact, I called today, XXXX asked me to go to branch. I have been branch many times, they wanted me call HSBC customer service. I called XXXX XXXX XXXX ( vice president ) several times, left messages on her answering machine. She never called me back.
|
| 05/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, I paid off a Judgement that was against me through Civil Court. On XX/XX/XXXX, I spoke with XXXX XXXX, with XXXX, XXXX, XXXX and XXXX, about getting a Letter of Satisfaction sent to Civil Court Division. XXXX XXXX informed me that the Judgement amount was incorrect and an additional {$4000.00} needs to be added to the amount.
This case is from XXXX and if the amount was incorrect, it should have been stated in Court. Civil Division records are showing I have a XXXX Balance and that my debt has been paid in full.
Civil Case # XXXX ( XXXX ) XXXX.
XXXX XXXX XXXX.
This Collection Agency is trying to get extra money from Consumers.
|
| 04/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
Previous complaint was unresolved. Account is listed as current, but I am unable to manage online. Payments are going through their collection office even though account is not in collection. Then they raised the interest rate without my knowledge from 12-13 % to 30 %. Calls, chats and emails are like chasing a cat. Collection office ( while not in collections ) says talk to customer then customer service WILL NOT HELP or answer the questions. TOTALLY BEING STONEWALLED. I want out of all business with HSBC and they will not entertain an offer to settle the account either. Saying that I have to be delinquent. Its an absolute JOKE. VERY FRUSTRATED
|
| 03/15/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/2017 we received a Notice of Servicing Transfer for account # XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, with an effective date of XX/XX/2017. Per the law our present servicer ( Beneficial ) is required to send a notice at least 15 days before the effective date of transfer or closing. Given the time it takes to send and receive mail, we did not receive this notification until XX/XX/2017. Therefore, Beneficial failed to meet the time requirement of 15 days per the law. Therefore, the notice of servicing transfer for account # XXXX should be null and void and Beneficial should be fined the appropriate fine as per the law.
|
| 08/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
I applied for an HSBC credit card and was approved. This was on XX/XX/18. Since then I have been unable to use the card because the account has been frozen. I have been trying to contact the conpany since I recieved the card and haven't been able to speak to anyone that can help. Every time I call " Customer Support '' I am on hold for 20 minutes and then the person answering says they have to transfer the call to another department. This happens over and over until finally they either hang up or tell me to call back later. It has been over 6 weeks and all I want now is to close the account - but I can't even do that without talking to someone.
|
| 01/18/2017 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
I originated a loan with XXXX in XX/XX/XXXX. The loan was paid in XX/XX/XXXX with a HELOC that was also originated with XXXX. I have found out that the lien was never removed. I contacted PHH Mortgages ( XXXX XXXX XXXX ) on XX/XX/XXXX and was email my request along with a copy of the title search. I was told that XXXX the supervisor was going to " rush '' my request. I have not been able to contact XXXX XXXX and my request has not been rushed. I called today and was told that XXXX is not a supervisor. I was also told to resend the information. This is the information that XXXX confirmed she had received. This is holding up a XX/XX/XXXX closing.
|
| 03/23/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
Called and left voice mail with myself, my family, and my friends stating that they were attorneys and they did n't want me to miss my court date. They said that they would be serving papers on a debt. They said that they were with the law offices of XXXX XXXX ( no such attorney registered in california ). They gave private information to my friends and family. They gave fake names when I asked for their name. They gave the address of XXXX XXXX XXXX, XXXX, California. XXXX earth shows that there is no such address. They identified as XXXX and XXXX ( XXXX XXXX and XXXX ). There is a fictitious business name filing in that name in XXXX XXXX XXXX.
|
| 08/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Received a voicemail message on XX/XX/XXXX from XXXX XXXX from a county process server division. Was told to call XXXX and that I have been notified. I called back on XX/XX/XXXX and she said this was a old debt with orchard bank. So I asked if they could send a digital copy of this and she said no, that they had sent me a letter back in XX/XX/2023. I never received any letter in XXXX about this matter. Not even sure who I was talking to on the phone. Never stated what the Firm name she worked for. Never told me I could dispute this debt or if it was a time-barred debt. Never gave me name of collector or even a address to where I could dispute.
|
| 09/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
On XX/XX/XXXX I tried taking out money from HSBC bank in XXXX XXXX. While trying to withdraw funds the machine only dispensed {$200.00} pesos ( {$10.00} dollars ) and charged me {$7000.00} pesos ( equivalent to {$420.00} dollars ) in atm fees, plus a tax fee of {$1100.00} pesos. Which I understand I would get a fee to withdraw from a foreign atm due to my debit card being from the United States! But upon trying to get my money back from HSBC or my trying to get this resolved thru my Own bank XXXX XXXX XXXX XXXX XXXX help me XXXX get this straighten out. They keep referring me to each other get this resolved. I really need something to be done
|
| 03/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
Older American |
|
Unfortunately, after receiving both vaccinations I contracted XXXX I began to make contact with the credit card companies to make arrangements to lower my payments for a short while, every one of my credit cards cooperated except HSBCU, who offered absolutely no options except to close the account. I explained about my illness they did not make any payment concessions. HSBC informed me today that my account was closed back in XX/XX/2021, when I was at the height of illness, HSBC received a payment of {$390.00} in XX/XX/2021 and did not say a word, and another payment today {$530.00}. HSBC was obligated to inform me that my account was closed.
|
| 03/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
I signed up for HSBC Premier checking account in XXXX under a {$750.00} welcome offer for new customers. The terms were $ XXXX direct deposit per month for three months. I have completed this requirement in every month the account has been opened. Every month I call for the status and get the run around. I was told I'd see it at the end of XXXX. Then I was told XXXX. Then I was told XXXX. Now I'm told XXXX. This is completely unacceptable. Colleagues that also signed up under the same welcome offer in XXXX received their {$750.00} welcome bonus in XXXX. HSBC needs to honor their offer and deposit the welcome bonus to my account immediately.
|
| 07/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
Had a previous complaint # XXXX concerning HSBC Bank whereas they were to have paid me a {$200.00} bonus due to a promotion. Received an email from the VP of Customer XXXX, XXXX XXXX confirming that they were to pay the bonus no longer than 30 days after XX/XX/XXXX. As of XX/XX/19 they have not conformed with the terms of our original complaint, which included this payment. Tried to contact them via phone and email per their instructions and they refuse to answer the calls and have not responded to my email. The terms of the original complaint are recorded under case # XXXX, thus making this a 2nd request and their 2nd attempt at chicanery.
|
| 07/13/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
In close succession, XXXX ACH debits hit my HSBC checking account. The XXXX ( on XXXX/XXXX/15 ) exceeded the balance of my account and was thus not paid ( reasonably so ). There were sufficient funds for the XXXX transaction ( on XXXX/XXXX/15 ), however, HSBC also did not make payment on this XXXX transaction because they had temporarily removed the funds from my account from the XXXX ( XXXX ) debit resulting in a negative balance even though they did not make payment on that debit. This temporary reduction of my balance not only led to to a legitimate debit going unpaid but also allowed HSBC to charge additional fees in a predatory manner.
|
| 12/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I have been having a very large amount of Fake collection calls from a time barred debt. They are making threats of having me arrested and many other extreme lies. How can I get this information your hands?
They change their name every time they call and I but XXXX XXXX XXXX is the most commonly used. They are doing everything from changing the last date of delinquency, not following the FDCPA guidelines and making idle threats of having me arrested at my place of work.
Their latest # is XXXX and they are trying to collect on a cc dept with a last payment date of 2012 I am in Utah so the debt collection time is found here. https : XXXX
|
| 04/19/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I received a phone call from XXXX XXXX who told me that they have a file for HSBC that I owed $ XXXX to. This is the same company that called me aggressively last year threatening me with with criminal actions that would lead to the loss of my family 's Nutrition Assistance and Medicare if I did n't pay them. They refused to verify any accounts or amounts owed. When I looked into the matter, I discovered that the Date of Last Activity for an HSBC secured credit card was in XXXX 2008 with no payments thereafter. When I mentioned the statute of limitations barred any collections, XXXX XXXX stated that " does not stop them from collecting ''.
|
| 07/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
An answering service told me to call a number with a case number, they called my son 's cell # which is not under my name which is concerning to me. The lady would not listed, stated she was collecting for HSBC which I've never had and confirmed with the credit bureau. I swore at them and they swore back stating I would be served and in court within XXXX hours. I'm tired of being harassed, I know it was stemmed from a XXXX XXXX breach years ago. They know my social, DOB, phone #, address, things about my checking which is now closed. Phone for answering service was XXXX the supposed collection agency XXXX with a reference number of XXXX.
|
| 07/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
An answering service told me to call a number with a case number, they called my son 's cell # which is not under my name which is concerning to me. The lady would not listed, stated she was collecting for HSBC which I've never had and confirmed with the credit bureau. I swore at them and they swore back stating I would be served and in court within XXXX hours. I'm tired of being harassed, I know it was stemmed from a XXXX XXXX breach years ago. They know my social, DOB, phone #, address, things about my checking which is now closed. Phone for answering service was XXXX the supposed collection agency XXXX with a reference number of XXXX.
|
| 01/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In XX/XX/2017 I made a payment of {$5700.00} on my HSBC Mastercard. This should have reduced the balance to less than {$3000.00}. Sometime in the Spring 2017 I was contacted by HSBC to inform that there was suspicious activity on my account. They promised to send me the details and dispute forms. Those never arrived. I kept making payments on the account and in XXXX I made a payment of more than {$500.00}. HSBC is now reporting that I am delinquent and owe them nearly {$9000.00} on this account. Further, my request to have the payments held at {$100.00} per month until this is resolved was declined because " I was not in collections. ''
|
| 07/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
HSBC Mortgage Services, XXXX FL XXXX, Phone : XXXX ( Customer Care ) Loan single point contact person : XXXXWe have been attempting to secure a refinance of our home mortgage with another lender. HSBC has to provide the new lender underwriting department a letter regarding one aspect of our loan. They do not answer phone or faxed requests. When the occasion occurs that we actually do speak to a person they 'are n't sure ' or may or may not be able to help. These repeated requests have come from both ourselves and the new lender without response. They are obstructing our freedom to find a new lender to refinance at a better interest rate.
|
| 09/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a world elite mastercard from HSBC USA. I enrolled in Auto-pay on my account. I checked back on my account later and noticed that my payment was not submitted according to auto pay schedule despite auto pay being enrolled.
I then called HSBC customer service. The customer service rep said that he recommended that I still manually check my account on the payment due date because sometimes auto-pay does not submit the payment for the first few cycles ... despite the auto-pay disclosure stating that it would submit on the next due date ..... I was charged with over {$100.00} in interest and late fees very clear false advertising.
|
| 08/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Hello, on my last credit card statement from HSBC Bank I saw two charges called " FOREIGN EXCHANGE ADJUSTMENT ''. I called the bank to ask what these were. The customer service representative told me that this was an " adjustment '' for the transaction ( s ) that I conducted outside the US " last year ''. He was unable to tell me specifically what transactions have been " adjusted '', what were the dates of transactions and why the original charge was incorrect.
With such attitude/approach, the bank can charge any amount of money " out of the blue '' without explaining the basis for the charges. I find it unacceptable.
Best Regards.
|
| 08/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
HSBC IS CHARGING ME FOR PURCHASES ON CLOSED ACCOUNTS. ACCOUNT XXXX IS A CLOSED ACCOUNT DUE TO FRAUD. THE COMPANY HAS PUT ON {$240.00} IN CHARGES ON THIS CLOSED ACCOUNT. THIS ACCOUNT SHOULD HAVE A XXXX BALANCE. ON THE ACCOUNT THAT XXXX REPLACED THEY PUT {$14.00} ON THAT ACCOUNT. THAT ACCOUNT ENDED IN XXXX ON ACCOUNT XXXX THE COMPANY PUT ON {$70.00} FOR CHARGES I DID MAKE OR AUTHORIZE. OLD ACCOUNT XXXX AND THE ONE THAT ENDS IN XXXX AGAIN WERE BOTH CLOSED DUE TO FRAUD. I WANT THE {$240.00} AND {$14.00} CREDITED BACK TO THE NEW ACCOUNT. ON THE ACCOUNT XXXX I WANT THE {$14.00} THAT IS NOT MY CHARGE PUT BACK ON THE NEW ACCOUNT IT REPLACED
|
| 04/18/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC ( Beneficial ) and XXXX XXXX XXXX, XXXX ( XXXX ) continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of HSBC and XXXX. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by HSBC and/or XXXX or affiliates and/or associates for any debts claimed by these untrustworthy entities. ( including but not limited to, HSBC, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached.
|
| 07/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
I tried to open a HSBC Advance Checking Account on XX/XX/2018.
HSBC withdrew {$10000.00} from my XXXXXXXX XXXX checking account as opening deposit on XX/XX/2018 but failed to provide any information on how to access the HSBC Advance account. I contacted HSBC several times via online chat, phone call and email, HSBC still did not provide me access to the HSBC Advance account. I was never given EBN ( Electronic Banking Number ) to register my account.
HSBC also falsely advertise 24x7 service for HSBC Advance banking. When I called XXXX after XXXX ET, no one was available to answer the call.
https : //www.us.hsbc.com/XXXX XXXX XXXX
|
| 09/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
First..this company called my brother..told him l was bring sied for a DEBT..then told him l needed to call right away..the number l called was XXXX XXXX XXXX..at XXXX XXXX XXXX ... xt XXXX ... asked for info he was vague about the debt..and claimed to be filing a lawsuit..l had s credit card from hsbc but didn't use it..returned the card..didnt like all the fees..had a XXXXlimit but feed ate up XXXX $ of it..sent it BACK cut up..l am XXXX that this was an egregious anf illegal attempt to het money..they clsim to BE sending a letter..but THEY SAID that 5 other times..l want this stopped..and immediately closed out as invalid debt ...
|
| 08/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Created an account via online systems ( dates not important, but occurred ~end of XX/XX/XXXX).
Provided all information, identifying numbers ( dl #, etc ), and account was successfully opened.
Since then, their fraud department has been contacting me via unsecured methods to request a copy of my Id - what seemed to be an obvious phishing attempt was actually their fraud department.
They also claim to be unable to send the request via their online banking secure messaging.
I've confirmed that these are actually valid requests through separate channels ( website chat, main banking contact numbers ), and not a phishing attempt.
|
| 03/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Dear Consumer Protection Personal ; I need your help to solve the HSBC bank issues I have now.
My HSBC advancing checking account # XXXX opened on XX/XX/XXXX with promotion for {$350.00} welcome bonus. welcome bonus suppose to come in on XX/XX/XXXX. Nothing happened, no bonus seen. Call on XX/XX/XXXX, XX/XX/XXXX HSBC file number of investigation XXXX XXXX ect. Online chat with HSBC rep. No response or answer from the HSBC so far. Call on XX/XX/XXXX no help at all. I could not get hold of anyone from HSBC bank to get an answer. I wish you could help to solve this issue.
Thanks.
My phone number XXXX XXXX XXXX My name is XXXX XXXX
|
| 08/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
About XXXX years ago I had done a modification of my mortgage at which time I started paying my new mortgage. In XXXX 2014, I received an amount due of {$0.00} at which time I called to find out why. No one could explain the reason there was nothing billed. In XXXX, the same thing happened. When I called again I was told there would be nothing due until XXXX 2014 and I still was not told why. After several more attempts, I just let it go and was then billed in XXXX 2014 for {$4000.00} which was not the agreed upon amount. My complaint is there is no one to speak with and no answer was ever given as to the reason nothing was billed.
|
| 03/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/2021 I was told by a phone agent that if I upgraded my account to HSBC premier Checking I would receive a bonus of {$400.00} as long as I made {$5000.00} worth of direct deposits every month for 6 months. I did so. I called to confirm this with an agent at least once since that time and asked them to confirm the terms of the offer which they said were notated to the account.
After meeting the requirements I was told on XXXX that no such offer was ever made. And that no bonus would applied. I requested the bonus from HSBC but none ever came now the company had changed names and I fear I will never get the promised bonus!
|
| 08/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX contacted me trying to collect on a debt that is past the statue of limitations. The debt amount is {$830.00} ( {$1700.00} with interest ). I followed up with the original debtor of this debt, HSBC Bank and found that this debt was originally charged off in XXXX. They also were very nasty to me on the phone and threatened to bring me to court ( sue me ). At that point I asked for the account information in writing ( postal mail ) which they refused to do. They also took til XX/XX/XXXX to furnish a copy of the debt letter ( attached ) in which their letter states that I had til that day to settle the debt.
|
| 09/21/2016 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On Monday, XX/XX/XXXX, I rec 'd a notice from XXXX XXXX, XXXX, Senior VP, HSBC/XXXX. XXXX XXXX XXXX ( postmarked XX/XX/XXXX ) indicating that HSBC was changing my mortgage home loan servicer. They further indicated that " HSBC '' will stop accepting payments on XX/XX/2016, and that XX/XX/XXXX payments should be sent to XXXX XXXX, XXXX XXXX XXXX
While the notice stated that " The most important thing that will change are your mortgage home loan number and where to send ... monthly payments, '' no new loan number was provided.
XXXX has NOT sent out a new XX/XX/XXXX statement.
I consider this very shoddy -- not to mention abrupt.
|
| 09/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In XXXX I took out a 30 year mortgage with HSBC at 5.875 %. Subsequently the market crashed and the condo price has decreased and thus I am upside down even at today 's ( XXXX ) market value. I had contacted HSBC in XXXX and did so now and the answer remains that same that since the loan is not backed by XXXX/FHA hence there is no recourse for me to use XXXX HAMP. While almost every of my neighbours have used XXXX to their advantage I am still stuck at the higher rate and PMI. Luckily I do not have problem in making the making the loan payment but I would like to take advantage of a lower rate as available for ordinary consumers.
|
| 09/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This all started in XX/XX/XXXX. I had a XXXX XXXX credit card that was financially backed by HSBC. I could no longer pay due to unemployment and it went to bad debt. Eventually HSBC discharged the debt ( was written off ) and the account was closed.
On XX/XX/XXXX I was notified by my bank, XXXX, that somehow the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had acquired my credit card account information and was requesting any payment information. Is that legitimate? I mean how did he get my credit card account number?
Does this go beyond the statute of limitations?
I was never sent a notice through mail of this subpoena.
|
| 09/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a choice checking account with HSBC back in XX/XX/2018. Their was a promotion going on at the time where you get {$200.00} if you open that type of account and fund it with {$1500.00} then keep this for 90 days. The bonus would post 8 weeks after that. I funded the account on XX/XX/2018. I have been waiting for almost 6 months and no bonus posted. I contacted customer service numerous times through calling and chat and all I get is " Please wait for our investigation results ''. I think it's unprofessional to keep clients waiting rather than actively working on their complaints. I attached the offer terms in a PDF file.
|
| 07/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
XX/XX/2014 I was used in court I never received notice or letter to go to court to defend myself, my bank account was garnished two time for a balance less than a dollar, the bank charged me a XXXX fee both times and placed a hold on my account. I didn't even get a notice from the bank, I received a letter by request from the company of triple charges and fees on 2 charged off credit card accounts, false signatures, and no full validation of these debts, I started making payments out of fear of my bank account being over draft or placed on hold, I have checked with the credit bureau and there is no listed debt or delinquencies.
|
| 03/31/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I went in person, to open a new account with US HSBC. They had a promotion for opening a new HSBC Choice Checking, Advance, or Premier Checking Account. It was explained to me, you would receive a {$350.00} bonus if you signed up. They did not inform me of any other obligations nor did I had to sign off on any terms. I went ahead and signed up, and never received my bonus. When I complained, Customer Service informed me later there is an obligation to get that bonus. But it was never in writing, so I wish to issue a complaint about the bank. This is false advertisement on their part and do not want this to happen to others too.
|
| 01/10/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I received a letter notifying me that my mortgage loan will be transfer from HSBC to XXXX Mortgage, and now that I have received my first new statement it has a lot of legal fees added to my account, when I call the new mortgage to ask about it they said their charges from my previous company HSBC, if HSBC sold or transfer my account to an other company why they are charging me the legal fees if my account is NOT pass due or behind on my payments? I have actually been sending extra principal on my payments for the last 5 months, this is totally an abuse from this big mortgage company 's, this is just not right and is a robbery.
|
| 02/19/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
The credit card account was closed. Then I received a phone call from XXXX claiming that I made airline purchases using that account. I informed XXXX that there was fraud on that account because I did not make any of those purchases. They then had me fill out fraud forms which I returned to them. I was told by them that the issue would be resolved. A few years later I received a collections letter from XXXX XXXX XXXX stating that I owe {$1400.00} from the XXXX account. I explained to them that there was fraud on that account and that I did not owe them. XXXX XXXX dismissed my statements and said I would have to pay that amount.
|
| 05/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Company by the name of " XXXX XXXX '' contacted me several times in an attempt to collect a debt that is n't mine. They were nasty, rude and refused to provide me with pertinent information if this would have been a legitimate claim ... .which it is not. I called back the number they gave me a XXXX time and they gave me different information as to why they were calling me. This is a huge scam and they need to be stopped. No company by their name is listed with the XXXX, and complaints are all over the internet. They have XXXX locations apparently, from XXXX to XXXX. DO NOT GIVE THEM ANY PERSONAL INFO, they need to be shut down.
|
| 05/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied for a mortgage modification and it was denied based on financials. There are two issues here. First, the bank incorrectly analyzed my financials. The income they used was {$8500.00} and the income submitted with proof of deposits were {$11000.00}. In addition, the expenses they use were {$8400.00} and the expenses submitted were {$6300.00}. A review of my credit report indicates that HSBC is reporting my mortgage twice. Once under HSBC and the se cond under XXXX XXXX XXXX Therefore, this error in credit reporting is causing my monthly obligation to be more than it really is. Please see attached documents
|
| 03/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
In XX/XX/XXXX, HSBC sent me an email saying that I can receive a 30 % bonus for transferring my HSBC reward points to XXXX XXXX XXXX points and the term said 1. The promotional period for this offer is XX/XX/XXXX to XX/XX/XXXX XXXX. XXXX. Cardmembers will receive 30 % bonus Avios for HSBC Elite World Elite Mastercard or HSBC Premier World Mastercard credit card Rewards Program Points transferred to XXXX during the promotional period. Bonus Avios will be awarded with the original transaction. To redeem this offer, your Account must be open and in good standing.
On XX/XX/XXXX I transferred XXXX points but no bonus was given.
|
| 03/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XX/XX/2020 I received a phone call from a company called pristine asset group stating I had an outstanding balance on a credit card and that my monthly income would be garnished if I didn't make arrangements for payment and that if I got back with them a settlement could be made to clear my credit debt also they were working with a attorney 's office and to keep from being sued and my checks garnished I made payment a {$1500.00} to settle a debt later to find out I had been scammed the address that my credit card company gave me was XXXX XXXX XXXX XXXX XXXX XXXX which doesn't exist the telephone number XXXX goes to voicemail
|
| 05/25/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
In XXXX and XXXX I requested a copy of my credit files from each of the bureaus so that I could check my credit after an issue was brought to light by the IRS concerning a judgment which is a result of Identity theft. On checking my reports I noticed that there is account opened with HSBC Bank for over 7 years that is not known to me which is in default and is the reason why my credit is reporting so badly. I need to validate this account. Please ask the company to forward via CFPB all verification documents used to open this account ; signed contractual agreement ; and Identification used to authenticate the account opener.
|
| 06/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
They called and stated someone would need to be home when a package is delivered. Then proceeded to say it was a summons suing me for the collection of an HSBC MasterCard that I have never had and did not open. When I told them this they said it did not matter because I was lying and my wages will be garnished, bank account seized, and a lien filed on my home. The collector also stated that we should not report them to you because you only ever answer 1 %. I asked them to cease all communication and he has continued to call and leave voicemails advising against reporting them because it will make the situation worse for me.
|
| 10/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Servicemember |
|
HSBC approved my balance transfer request in the amount of {$5000.00} on XX/XX/2019, from a XXXX XXXX XXXX Mastercard. My outstanding account balance, including the fee for such transfer, was {$5200.00}, as of XX/XX/2019. The funds have not been received by XXXX XXXX XXXX, and HSBC was unable to provide any evidence that funds were sent to XXXX XXXX XXXX.
It is deceptive and misleading to charge my account on XX/XX/2019, for funds that have not been transmitted as of XX/XX/2019. To the extent that HSBC requires processing time, my balance with HSBC should be held in a pending status, rather than being charged immediately.
|
| 06/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a XXXX XXXX scooter through a dealer back in XXXX on credit through XXXX. Paid it off shortly after. Recently realized I never got a title and was informed by the XXXX in XXXX California that it has a paperless title with a XXXX listed still from XXXX. I have called at least 6 times and usually given their XXXX email address. I have sent around 6 emails over the last several weeks and received no response. With it being a paperless title I can only get it removed by XXXX electronically and have no other recourse. I can not sell it until this is resolved. I just want acceptable customer service. Thank XXXX XXXX
|
| 01/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Call from XXXX claiming I owe on an HSBC credit card opened in 2013. I did not open a credit card at all, much less with HSBC. They threatened to send letters to my family members but would not tell me which ones. They threatened to forward my account to their attorney but could not tell me what attorney. They could not tell me their physical location and stated that since I asked for the physical location that I was threatening them. They stated they did not have to mail me anything since they were only " mediators '' acting on behalf of HSBC. " Mr. XXXX '' was the name used but would not tell me the name of the company.
|
| 08/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I took out a mortgage loan with XXXX XXXX XXXX XX/XX/XXXX, first payment due XX/XX/XXXX. The loan was {$98000.00} financed, principal {$100000.00}. when I asked for a pay off XX/XX/XXXX, it was {$80000.00} plus Deferred Balance {$29000.00}, which bring the pay off to {$100000.00}, this is more then the original loan in XX/XX/XXXX. I question XXXX about the Deferred Balance, I was told it was all the late payment and interest payment. This was never explain to me during the duration of the loan. I am on a fix income, I am trying to get this loan so I can pay it off within the next ten years. The interest rate is 11.351 %.
|
| 06/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Back in XXXX, we filed Chapter XXXX bankruptcy of which our cars and mortgage were not included and were reaffirmed. Payments have been made and continue to be made yet our credit reports do not reflect them, which is affecting our credit. HSBC has put us under the " bankruptcy '' customer service umbrella and refused on numerous occasions to change our account status. They are in direct violation of the federal court order. That and our bankruptcy was discharged approximately XXXX years ago. The bank will not allow us to make payments online based on this fact. I have tried several times to dispute this but to no avail.
|
| 09/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # XXXX XXXXXXXXXXXX Ph : XXXX I have been getting calls as well as my family members that I owe debt to this company and my credit report does n't show that I owe anything to any collection agency/creditor or I 'm delinquent with any creditors. They mailed a letter to my mom that I am past due with the amount of {$4000.00}.
This is the information on the letter : Client : XXXX XXXX XXXX File : XXXX Original Creditor : HSBC Account : XXXX Please see collection agency information below.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Riverside, CA XXXX Phone : XXXX Fax : XXXX
|
| 08/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
These mortgage bankers at HSBC have been playing games with my approvals for months now, all while i could have closed with another service. They repeatedly ask for the same information i have already given them, and now it's been 3 weeks from " final approval '' and i have still not closed. they are hardly responsive and gave up as soon as i locked in my loan rate. All the while they know that i transferred in a significant some of money to their personal wealth management in order to access a lower rate. I was conned. I am losing time, money and energy dealing with them and believe they are doing something nefarious.
|
| 11/11/2015 |
Yes |
|
|
|
Web |
|
|
HSBC Bank enrolled me in paperless statements without my knowledge, approval or acceptance. As a result, I never received my paper statement in the mail, which I rely on to ensure I make timely payments, and missed 2 monthly payments. They have now reported my delinquency to the credit bureaus ruining my perfect payment history for over 20+ years. I 'm sure my credit score has been adversely impacted due to the reported delinquency. They did waive the Late Fee, but did not offer to correct my credit bureau report. My request is to correct my credit bureau report to reflect no delinquency as a result of this bank error.
|
| 09/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Timeline of Events : Date Account Opened : XX/XX/2023 Date of Account Blockage : XX/XX/2023 Amount in the Account at the Time of Blockage : Can not access my account, about {$5000.00} Description of the Issue : Approximately three months after opening my HSBC account, I experienced a sudden and unexplained blockage of access to my account. HSBC provided no specific reason for this action. I have made multiple attempts to communicate with HSBC regarding this issue but have not received any satisfactory response or resolution.
Actions Taken : Contacted HSBC customer service.
Requested an estimated time for resolution.
|
| 12/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Card has been on a " security hold '' for no apparent reason and without notice to myself since XX/XX/18. Customer service will not, or can not take any action including payment, closure or resolution until I speak with their security department. I have made 3 attempts to contact the security department via phone and was placed on hold without answer for a total of 5 hours over the past week ( last call was XX/XX/18 ). They have refused to close the account, and I have no means of contacting them other than the phone, which they do not answer. HSBC has had a high volume of similar complaints on various consumer sites.
|
| 10/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I made a purchase on XX/XX/18 in the amount of {$140.00}. I subsequently returned the package. After approximately 30 days I contacted the merchant who explained that they don't issue a credit back to the card but rather issue a check.
At this point I opened a dispute with HSBC and received a credit on XX/XX/18.
The amount was charged back to my account on XX/XX/18 because the merchant told the bank they had mailed a check. I never received a check so they will have no copy of a cancelled check with my endorsement or account number.
XXXX XX/XX/2018 XXXX XXXX XXXX XXXX REF NO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I have requested My Mortgage Company to start reporting my Payment History, After a Chapter XXXX Bankruptcy, which was discharged 2 years ago, they have not reported to the Credit Bureau, Now I am attempting to refinance this House at a much lower rate, but the Finance can not see my credit history on this house. I can not afford this house at the current payment, since I 'm now Divorced since XX/XX/2016. I 'm just wanting them to report this information so I can have this refinance to go through. HSBC has sent my report to me in paper form for the past 2 years, but the refinance company is requesting it be reported.
|
| 12/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
Received a call from XXXX saying that there is impeding arbitration to collect a debt. Left the number XXXX. I called the number a gentlemen stated I have a debt {$1700.00} with HSBC from 2017 and he had the last 4-digits of my social security number. He asked me to make arrangements and I stated I needed to dispute charges and the call dropped. I called again. I asked for the XXXX account number and the gentlemen was providing a number that could not be valid for a XXXX. The call dropped. I tried to call again and was not able to connect.
I do not or have not had activity with HSBC that I can recall in many years.
|
| 06/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Mortgage with HSBC for 10 years discharged from BK in XXXX. HSBC sold mortgage to XXXX XX/XX/2015 but stopped recording my mortgage payments in XXXX 2015. XXXX says XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015 payments not made even though I have provided proof from bank. HSBC needs to acknowledge where and who received the mortgage money and rectify this with XXXX. Also negative remarks on my credit have been reported and threats of foreclosure even though I have made every month payment! I have sent a letter to HSBC with no response and have tried to discuss this with XXXX with no results still insisting I owe these months.
|
| 09/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a checking account with HSBC USA on XX/XX/18, with a promotional mailer offer to deposit {$10000.00} in new money and maintain at least {$10000.00} for 90 calendar days. The offer was to receive {$400.00} for meeting these requirements.
I fulfilled these requirements, but HSBC USA never honored the promotion. I contacted customer service several times, and was told they would get back to me, each time. But I never received any resolution, despite several inquiries. It is now more than 10 months later, and I have continuously maintained the account balance at {$10000.00} or more since opening the account.
|
| 05/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I applied for an HSBC XXXX checking account in XX/XX/XXXX using an online link that offered a {$450.00} welcome deposit. After successfully completing all qualifying activities described in the promotion, {$450.00} was never deposited into my checking account.
Contacted HSBC several times regarding the welcome deposit in XXXX, and again in XXXX. On XX/XX/XXXX, HSBC customer service stated that the account wasn't opened using the advertised promotion and she would seek manager approval to see if an exception could be made.
Months later, {$450.00} welcome deposit has not been received and bank did not follow up.
|
| 07/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
In XXXX of 2020, my identity was stolen and accounts were opened falsely in my name at several institutions. Every institution did what they needed to do to close these accounts EXCEPT HSBC. I have spoken to HSBC on at least five occasions. Reference # XXXX Despite receiving numerous statements and bills, each time I spoke to HSBC, I was assured that the falsely-opened credit card would be closed down and the credit bureaus would be notified. Today, I received yet another letter billing me for {$30.00} past due on this same card. I am afraid that HSBC will damage my credit because of their incredible incompetence.
|
| 09/28/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
Joint account with HSBC. The primary holder passed away, and this Bank found numerous ways to prevent the other holder from getting her money, including canceling a Bank to Bank transfer because the name was not exactly the same. The next week they mailed a check but somehow sent it to a wrong made up address and name. This is now 1 month after the other person passed away and the second person still does not have her money and she is a senior citizen. All paperwork was mailed out or faxed to them with current names, addresses, numbers, id, and poa. This bank is very suspicious and shady in its financial dealings.
|
| 08/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I WAS CONTACTED BY XXXX XXXX ABOUT AN ASTOUNDING DEBT FROM AN HSBC CREDIT CARD. I WAS THREATENED WITH GARNISHMENT AND ADVERSE REPORTING TO THE CREDIT BUREAU. XXXX XXXX ALSO INFORMED ME THEY HAD SPOKEN TO MY BANKRUPTCY ATTORNEY AND VERIFIED THAT THE CREDIT CARD IN QUESTION WAS NOT INCLUDED IN MY BANKCUPTCY. NEXT, XXXX XXXX INFORMED THAT BY OPENING THE HSBC ACCOUNT, WHAT I HAD DONE WAS ILLEGAL AND MY BANKRUPTCY WOULD BE VOIDED UNLESS I PAID THE THE {$600.00} PLUS DOLLARS THEY SAY I OWE. I CONTACTED HSBC AND VERIFIED THAT I DO NOT HAVE ANY OUTSTANDING ACCOUNTS WITH THEM AND XXXX XXXX WAS PROBABLY TRYING TO SCAM ME.
|
| 05/11/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
Hello, I had a demand draft issues by the HSBC XXXX XXXX XXXX branch in XXXX, XXXX on XX/XX/XXXX of 2021. The demand draft was issued in the amount of XXXX USD to HSBC Bank USA, N.A. New York. I deposited the draft in my XXXX XXXX checking account, but it was returned due to lack of funds via HSBC NY.
HSBC XXXX informed me that the money was correctly sent to HSBC NY. HSBC NY informed me that they were unable to assist me as I only have an account with HSBC XXXX. I am unable to get a customer service representative 's help. My money appears to have disappeared within HSBC 's system and no one will tell me why.
|
| 07/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Reference is made to my complaint XXXX about HSBC.
On XX/XX/2018, HSBC issued a letter, in which XXXX XXXX XXXX, Vice President for Customer Relations, clearly admitted fault on the part of HSBC and asked me to " expect the credit to be posted to [ my ] account by XX/XX/2018. '' A copy of the letter is included for your review.
Considering your mission to have been accomplished, you immediately closed the case, simply because the company responded to my complaint.
The problem with your approach is that the letter from HSBC was yet another lie and, as of XX/XX/2018, the credit was not posted to my account.
|
| 06/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
XX/XX/XXXX we refinanced our home with beneficial hfc for XXXX since then they have paid 4 years of lender advanced taxes since XXXX, because we were unable to take care of them. they have something they have tacked on claiming they have deferred interest? I do not know what that is? we are trying to refinance with another mortgage company and they have our payoff balance at XXXX we are not paying out the mortgage what can you help me with?? our mortgage is underwater somehow. How can I get some help in this. thank you XXXX XXXX texas XXXX XXXX XXXX please help their address is beneficial XXXX florida XXXX XXXX
|
| 04/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Back in XXXX of XXXX I have reported a lost/stolen card and fraud activities on my HSBC credit card with HSBC. Even though I provided them all the proof that at the time of fraud activities I was not physically present in the country. I was out of country the whole time my card was used. HSBC have denied my claim. I refused to pay for something which I did not authorized. This is my Right not to pay if I did not make purchases. Now HSBC have sent the whole amount to collection and the collection company name is XXXX XXXX, they are keep sending me emails, non stop phone calls.
I am attaching my proofs again.
|
| 07/25/2016 |
No |
|
- Settlement process and costs
|
|
Web |
|
|
I filed case number XXXX - XXXX on XXXX/XXXX/16. The outcome was timely, HOWEVER, because HSBC purposely took 5+ mo on a task they stated would take " UP TO '' 90 days, my buyer backed out & no longer wants my property, in addition I now owe my lawyer over {$1600.00} in fee 's & also almost {$6000.00} in taxes & maintenance fee 's ( that my lawyer pd on my behalf ) but only because my buyer had agreed to pay them in addition to my asking price. This sale was not lost because of an oversight 15+ yrs ago, it was a direct result of HSBC 's negligence, to handle my request in a timely manner as they had indicated.
|
| 06/20/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I initiated the transaction on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX which is intended to send to HSBC XXXX XXXX, but it was accidentally sent out with the wrong swift code " XXXX ''. The problem was quickly identified, and the transaction was halted. The money is currently holding at XXXX XXXX HSBC USA for more than 30 days. I have provided an amendment to reroute the money back to HSBC XXXX, and it was also confirmed by HSBC USA, that the wrong transaction has been canceled The fund bank XXXX XXXX XXXX XXXX XXXX has also sent several follow-ups and chasers to HSBC USA, but there haven't been any moves.
|
| 08/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
XXXX closed my account and took position of my money when I contacted them the local branch had no idea why it was closed or where my money was. They said they would look into it and call me right back.
After 2 days I had to call back but they could not tell me where my funds where. And after talking to them I realized that had informed them on XXXX different occasions but they never changed my address. The manager said he would contact the main office and find out where and when I will receive my funds. I have now waited a week and I have not heard from them.
The bank is XXXX XXXX XXXX XXXX, XXXX, VA XXXX
|
| 06/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
hello I will try to make this short. hsbc has claimed I did not make payment for 2 years now they want to foreclose. they also did the same thing 4 years ago. and in 2012.
I have to keep going bankrupt to save the house I have ever single receipt. and they say that's not good enough. even my Lawyer is surprise. so I have to go bankrupt again.
something has to happen to hsbc to cost me my credit. and giving me a heartattack.
also, they would hold my check until after the XXXX and charge me a late fee this has been going on your years so I certified ever mortgage check so I wood know when they got them..
|
| 08/05/2016 |
Yes |
|
|
|
Web |
|
|
HSBC continues to report negative information on my credit report that is over 7 years old. I have XXXX accounts with HSBC that are currently reporting as charge-offs. This information is over 7 years old. I called this to HSBCs attention and disputed with them. I received a letter XXXX XXXX ( see attached ) from HSBC stating that as a customer courtesy they had made the decision to delete the tradelines reporting. That the accounts would no longer be reporting. Since XXXX XXXX HSBC has reported XXXX times to the credit burea and continues to report as charged-off. They reported it XXXX XXXX as a charge off.
|
| 07/26/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
In accordance with the ( FCRA ) Fair Credit Act Section 609 ( a ) ( 1 ) ( A ). I 've formally requested PHH Mortgage to provide proof of the original consumer contract with my execution of signature on record for the following documents : Note, Deed of Trust and the loan application. They have not responded to my request. Failure to verify accounts in records in complance with FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promply removed. I formally demand the following accounts to be verified. 1. ) Mortgage Service Center account 2. ) Mortgage Service Center account.
|
| 08/26/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
XXXX/XXXX/2015 receied call from XXXX claiming to be from the XXXX Law Firm, calling on behalf of XXXX XXXX to collect an old debt. I explained the debt was discharged in Bankruptcy court XXXX years ago but he didnt want my lawyers information.
He threatened me with IRS issues and said he was investigating me for a criminal act.
called # back and got voicemail. XXXX search shows this info : XXXX Law Firm, XXXX XXXX XXXX, TX XXXXPhone : XXXX. I called # ending in XXXX and reached same voicemail as the # of the dept collector XXXX. Didnt have my address but wanted it. After not getting info he hung up on me.
|
| 08/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
on XX/XX/2022 I noticed a charge off on my credit under HSBC for {$6400.00} on XX/XX/2022 I noticed a charge off on my credit under XXXX XXXXXXXX for {$5300.00} Come to find HSBC and XXXX XXXX and four credit agencies reporting all the incorrect : 1. Address 2. Phone numbers 3. Birthdate 4. Name 5. I was dead.
Since XX/XX/2022 I have provided all four agencies with IRS tax returns, home tax bill, SS cards, Birth Certificate, XXXX, XXXX, XXXX, and XX/XX/2022 I have email, mailed IRS tax returns, home tax bills, SS cards, Birth Certificate, XX/XX/2022 XXXX Police told me to call FTC which directed me to CFPB
|
| 06/27/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Called my work and told a coworker that they were going to serve me papers on a discharged credit card. Coworker called me with contact information. I called them back. XXXX knew an awful lot about my credit. I told him that the card was discharged with a BK in 2008 ... he claimed it was never in the BK. I know better than that but told him I had to talk to my husband. He made me an " offer ''. This is a third party collector whom I can find nothing about doing either a phone or web search. I did find a site with other people claiming the same tactics were used. They also identify themselves as a Law Firm.
|
| 05/30/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX I took out a second mortgage with HFC, a HSBC company and just recently it was transferred to a company I never heard of XXXX , XXXX XXXX XXXX , XXXX . I never looked closely before just made my monthly payments until recently and I noticed that my principal has hardly been reduced over these 10 years and I began to think that this is an abusive mortgage situation that I am involved in. I looked online and saw that in XXXX HSBC was sued over similar abusive mortgages. I would like to get relief and a fair situation for this mortgage from the companies now involved and previously.
|
| 06/16/2015 |
Yes |
|
|
|
Web |
Servicemember |
|
I sent a letter to HSBC Bank inquiring about a account that they listed on my credit reports, which I do not recognize. The account number is listed as XXXX. I disputed their reporting reporting of this account under FACTA rules and regulations. I wanted a FACTA request for a complete accounting of account. I asked them for the date and amount of each and every charge, payment, or adjustment made on the referenced acct. I also told them that under FACTA, they must either provide me the requested info or delete this acct from all credit reports. To this date HSBC Bank has not provided me this information.
|
| 06/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I opened a dispute for XXXX $ in XXXX. for two months the dispute team did nothing. finally they gave a temporary credit and contacted the merchant. today I received a letter stating merchant has responded and the charge is valid. XXXX provided no documentation to support their decision. There is no way to contact the dispute team or reopen the dispute. the letter do not say how I can re-open or challenge the dispute.
I called customer service and they said they can not help me with the dispute, that I need to respond to them directly. how will I respond to them, if I can not contact the dispute team.
|
| 06/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XXXX is reporting that I have an outstanding balance owed to HSBC Lending for {$11000.00}. I have contacted XXXX to contest the debt ; requesting a copy of the original finance contract ( displaying my signature ), a detailed explanation of charges that constitute the {$11000.00} debt they say I owe, and the account history of this account showing any records of payments that HSBC received. So far, XXXX has not supplied me with any of the requested documentation. It is my right under the Fair Debt Collection Practices Act to request this information, and unlawful for XXXX not to supply it, upon request.
|
| 06/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I tried to open an HSBC Advance Checking account on XX/XX/18. I was declined. I think I failed the Auth Interview questions. I tried multiple times to contact HSBC and see what could be done toverify my identity ( i.e. send in SS card and Driver 's License ). I was told to call my local branch, so I called the XXXX, DE branch who said they can't do anything to open the account with the same terms ( {$350.00} reward ) for opening it online. I am looking for someone competent at HSBC to assist me with opening this account and honoring the {$350.00} reward if I deposit {$10000.00} within 30 calendar days.
|
| 12/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
HSBC Bank is the only one bank that never credited me anyhing for the promotion bonus that they promised after I finished all the terms and requirements in XXXX. I even referred my family member to Join their promotion but he didn't receive anything for the promotion bonus that HSBC advertised, either. I had to report this problem to their employees many, many times in the past but HSBC back office never contacted me to return the credit that the bank owed to me. HSBC bank is the only one bank that made me suffer financial loss. I've never had such bad experience with any other banks except HSBC Bank.
|
| 04/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a Motorcycle In 2006 had in it Financed through HSBC. We had paid this loan off over a decade ago. I have recently sold this motorcycle but am not able to get the title to sign over to the new owner because HSBC still has a lien on the motorcycle. I have called the number that their customer service refereed to me as the department that deals with the lien and the number they provided to me just rings. I also was told to email the request with vehicle registration which I did and have not heard anything from them. Like I mentioned the motorcycle has been sold and new owner wants title asap
|
| 10/16/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019, I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX stating that they intend to file a 1099-C form for a debt that I have disputed as being valid from 16 years ago. This is a violation of collection laws as my request to provide proof of debt with the former collection agency regarding this debt went on deaf ears. Additionally, this debt has lapsed all of the time limitations of my state and is not able to be collected legally. This law firm is infringing on my legal rights. In addition to filing a CFPB complaint, I will also be filing an IRS 1099 complaint against this law firm.
|
| 10/15/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
Wire transfer on XX/XX/2019 of XXXX. The international wire started at XXXX XXXX and went to hsbc bank of XXXX NY. HSBC bank will not send the money to the recipient at the XXXX XXXX XXXX XXXX XXXX. XXXX has tried to contact hsbc bank and do a trace and then recall with no luck or reply.. I keep getting told they can just keep my money and its out of XXXX hands. And if hsbc bank don't do the recall or reply they can just keep the money. I have been on the phone with XXXX everyday for since XX/XX/2019 with nothing. But I have been able to contact the hsbc bank that will not return the money .. Thanks
|
| 04/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I keep getting calls from different numbers claiming to be HSBC or Household representative bank and they are trying to collect a debt from a credit card they claim I " may have had '' prior to bankruptcy. I told them my bankruptcy was settled and paid and there were no outstanding debts, they insist I owe this and the bankruptcy only paid interest and not the principal. They keep saying the woman XXXX XXXX is my contact. She keeps claiming cops are coming to my place of work to arrest me, they've even called my husband. the most recent number is XXXX and they will NOT mail me anything that I ask for,
|
| 01/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Hello, I took out the HSBC Cash Rewards Mastercard early XX/XX/2018. I was given a promotion offer - spend {$500.00} within the first 90 days, received {$150.00} cash back. I made a purchase of {$890.00} on XX/XX/18. I've been given conflicting information by HSBC reps, stating that either 1 ) I didn't receive the promotional offer/need to spend {$2000.00}, or 2 ) the bonus will post after 90+ days.
I am not sure which is correct. I want someone to take a look and provide me reassurance that my promotional offer was captured correctly.
The promotional offer code was XXXX. Original app ID was XXXX.
|
| 03/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
When I signed up for this account I realized I needed to remove money for a short time. I signed up knowing I would get a bonus and when I called the bank they said removing the money for a short period would be fine and I would still get the bonus.
Now today they are saying that is not the case. They're saying whatever THEIR rep told me was wrong and that I won't be getting the bonus. Completely unhelpful over chat and refusing to help whatsoever. So not only are they not holding to what the rep told me but they are completely ignoring advertised sign up bonus.
Please advise best way to proceed.
|
| 08/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I saw my XXXX report. There was a collection item furnished by XXXX XXXX XXXX. I had received neither phone calls nor written notice of this debt owed to HSBC. I have never had any business with HSBC. This is not my debt. I called XXXX XXXX services to inform them that this wasnt my account and they proceeded to give a account number, XXXX which they obtained from HSBC, the original creditor. I reached out to HSBC and they assured me that this wasn't my account and I have ties to this account. I attached a letter from HSBC stated that I am not affiliated with this account in no fashion.
|
| 07/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
On XX/XX/2020, I requested a payoff quote from my mortgage company HSBC. On the quote there is a line item named " Recoverable Balance '' in the amount of {$5400.00}. I continuer to call HSBC at I keep receiving different versions of this balance due and at no time they are able ti show me any proof that this does in fact belongs to me.
I am currently in the process of selling my home and I need this clarified since this is no small to gorget about. I do not want to close on the sale and pay the lender and additional monies that I am not sure what it relates to.
Your help is greatly appreciated.
|
| 01/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have a master card with HSBC. A hold was put on my card around XX/XX/18 ; I believe because of increased activity due to holiday shopping. Since XX/XX/18, I have called customer service over 8 times. Each time I have been transferred multiple times and then placed on hold for up to 1.5 hours. I usually have to end call because after 1 to 2 hours I have work or other issues to attend to. I want to close the account because of this poor service but customer service says I can't until fraud department speaks to me. Even " direct number '' has resulted in these transfer loops and excessive hold times.
|
| 11/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have credit card issued with HSBK BANK for two years, perfectly paid and few time used. Line of credit {$4200.00}. Now with out communication or letter they process to reduce the line of credit from {$4200.00} to {$950.00}. That means from 22.12 % balance to 95.28 %, that was reported from XXXX and my FICO going down unfortunately. This really unfair for every customer that have a good relation and proper payment in any credit card they act unprofessional and playing with the financial situation from everybody.
I would like to know if I have any consumer right from this type of situation or not!
|
| 04/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XX/XX/XXXX I requested a new balance transfer with a new credit card. I requested a certain amount and received an email confirmation. XX/XX/2020 I went online and discovered a second balance transfer was submitted for exactly the amount that would max out the credit line. when I spoke to hsbc bank, they claimed 1, it was a bank error. then they claimed it was my error. then they claimed it was fraud. The original balance transfer had all my bank info that they could tell me and then the unauthorized charge was blank with no information. Six reps could not assist me. This is clearly internal fraud.
|
| 08/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
HSBC Bank knew I had problems with XXXX XXXX and had a XXXX XXXX. They were suppose help me to make sure I did not get L/C and fees during XXXX and XXXX However on XX/XX/XXXX they charged me {$28.00} for being late with my credit card payment. I even called them numerous times in XXXX and they advised I would not get charged a late fee. This was for Card number XXXX. The card had since been replaced because of fraudulent charges. I had advised I had no income to pay the full balance of {$2000.00}. Nonetheless they still charged me {$28.00}. Moreover they also charge me a finance charge of {$1.00}
|
| 04/01/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
XXXX XXXX XXXX was paid {$720.00} in 2013 in an effort to have them remove a collection from my XXXX and XXXX credit reports. Despite me never contracting with company I paid them because HSBC refused to collect the monies owed to them. I now have a delinquent HSBC entry and a XXXX XXXX collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.
|
| 09/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened an advance checking account with HSBC on XXXX XX/XX/2021.
I followed the link in the marketing landing page for a {$200.00} welcome bonus after certain requirements were met. I made a print out of the page which I used to apply for the account ( attached ).
Met all of the requirements and the bonus was supposed to post on XX/XX/XXXX.
I messaged HSBC via online messaging on XX/XX/XXXX to ask why it had not posted and they say I did not follow the correct link to apply for the account. I believe they have made an error as I applied via the " Apply now '' link in the offers landing page.
|
| 04/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
On XX/XX/2021 HSBC BANK USA N.A decreased the credit limit to {$1900.00}. On XX/XX/2021 the credit card balance was paid in full by balance transfer. HSBC decreased the credit limit twice within one year. This credit account has always been paid as agreed. HSBC reported the decreased credit limit to the credit bureaus causing a negative impact to my fico credit score. HSBC mailed a letter listing false reasons for the credit decrease. There is a bankruptcy filing that has appeared on my credit history during the origination of this credit card account. This is Bad Business practices by HSBC Bank.
|
| 02/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
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we pay our taxes separate from our taxes my mortgage company paid them by mistake when i called them told them the mistake and said if they send a request the tax office will refund them they refuse they said my tax office sent a letter stating we were diligent which is not true the tax office said my mortgage company by law would need a tax code in order for them to pay my taxes this is fraud on there at first when we called they said they would request the refund now they say want us to send them a check we do not trust them someone made a terrible mistake and they want us to pay to cover it up
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| 08/17/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Older American |
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The bank will not allow me to have any access to -- or even discuss -- my late wife 's checking account, even though I presented valid Power of Attorney forms, Death Certificates, Social Security cards, my NY State Driver 's License, and other forms of authority and identification.
I contacted : XXXX XXXX, Manager, Customer Relations HSBC Bank USA, NA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My request was rebuffed. The account number in question is : XXXX I would greatly appreciate your assistance in resolving this matter.
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX 's checking account
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