Date Received: 2024-01-20
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XXXX XXXX XXXX had processed an autopay for credit card payment for XXXX $ from HSBC Checking account, the transaction was processed with HSBC allowing it even with Low balance in the account, due to the low balance, i had immediately transferred sufficient funds for the full transaction to go through and it was reflected in the Bank account before the star of next business day, but HSBC still went ahead and rejected my credit card payment to be cleared causing nothing but inconvenience. I had to block an extra XXXX $ so that there is not issue with the payment, and on top of that the transaction was rejected and credit back into my HSBC checking account later on XXXX XXXX even though there were sufficient funds. I tried to resolve the issue with HSBC with a manager named XXXX and his colleague XXXX, but both were least interested in solving the issue. The reference number for the call i had with them is XXXX
Company Response:
State: NH
Zip: 03820
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The company requested personal information for a debt that I was sued for over 15 years ago. I was sent some type of certified letter from the company but received it too late. On XX/XX/2023 my wages were garnished. I had tried to contact the company but their representative hung up on me and would not give me any information. I was not given any information about the debt as the statute of limitation for them being able to garnish me should have expired.
Company Response:
State: NE
Zip: 68025
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, i made a transfer of {$9000.00}, i called the bank on XXXX XXXX, XXXX and XXXX to check as the money never arrived. The bank has kept the money on hold without my consent and are refusing to release the money to the recipient nor return the money to my account! I have been following up with no avail and no feedback other than we will investigate the matter and its been 11 days now since the transfer and i dont have access to my money since XX/XX/XXXX.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: No reference to account delinquency was communicated until XX/XX/XXXX, XXXX months after the XX/XX/XXXX letters closed my business credit card. Branch manager XXXX claimed having no knowledge of XX/XX/XXXX, XXXX letters, or of the business card premature closure about XX/XX/XXXX, counter to XX/XX/XXXX, XXXX letter stating all accounts were to remain open until XX/XX/XXXX. My business credit card was given covid waiver by XXXX or XXXX in XXXX during the months leading up to Hsbc 's XX/XX/XXXX letters. Hsbc falsely claims delinquency for closing all accounts on XX/XX/XXXX, XXXX months prior in XX/XX/XXXX 's collection letter. XXXX asked repeatedly, to no avail, for a business relationship banker to replace XXXX XXXX after he left Hsbc on XX/XX/XXXX. Being without a dedicated business relationship banker for over XXXX months, XXXX was not equitably represented in financial matters by branch manager XXXX. Lacking just cause to close XXXX 's accounts, from branch manager gaslighting XXXX, while Hsbc 's customer, from his experiences with the branch, XXXX 's accounts were closed due to the branch and it's manager holding commonly shared, rumored perceptions of XXXX as vulnerable from his spouse 's separation on XX/XX/XXXX and passing on XX/XX/XXXX, conveyed by XXXX 's business relationship manager XXXX to other hsbc bankers, from XXXX 's supervisor paying for all four lunches with XXXX. Given XXXX 's knowledge of XXXX 's business resources, coupled to XXXX 's disclosure of personal anecdotes shared by XXXX over lunches of XXXX 's spouse passing, allowed the branch manager to fabricate a false pretextual narrative for closing XXXX 's accounts to unlawfully force an early repayment of XXXX XXXX business credit card balance. XXXX XXXX is not personally responsible for a business credit card balance, which is in the name of a sole proprietorship dba, XXXX XXXX. XXXX XXXX XXXX, in representing hsbc as a financial institution, told me that I " did not have to repay the business credit card debt '' and, further, that I could not be held liable for hsbc 's business credit card. Hsbc 's interactions with me, comprised a bait and switch scam strategy to gain my personal information. Hsbc 's leveraging my personal information was not an isolated bait and switch operation, but one in a so-harmed class, as hsbc was fined XXXX of dollars for customer information breaches shared by bank personnel on whatsap, explaining my gaslighting and my counterclaim for damages against hsbc. By hsbc 's privacy breach of XXXX 's personal information, hsbc committed acts of discrimination against XXXXXXXX XXXX XXXX protected bases, of being elder, widowed marital status, fixed, low income, XXXX XXXX XXXX and social class status, in violation of the Equal Credit Opportunity Act. XXXX urged branch manager XXXX in email to maintain the level of XXXX 's fusion account interest XXXX that was stepped down to cover Hsbc losses from XX/XX/XXXX 's repo crisis. XXXX 's assertion is that Hsbc 's closing all of XXXX 's accounts was a deliberate, retributive act by branch manager XXXX to gaslight, defame and defraud XXXX. Hsbc remained silent on XXXX 's factual depictions, assertions, choosing not to address XXXX 's concerns of the lead-up to account closing, rather, hsbc XXXX XX/XX/XXXX 's letters to enure and encumber XXXX with unjust debt. XXXX 's concerns asks that an internal investigation be undertaken by Hsbc of all of XXXX 's concerns. By closing my business credit card, hsbc made my credit card balance burdensome causing me extreme hardship, loss, and harm to my sole proprietorship, under which hsbc opened my business XXXX XXXX credit card. hsbc failed as a financial institution to protect my financial health and interest.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I received a rewards check from HSBC Bank dated XX/XX/XXXXXXXX Since then, they have sold my account and others to another bank, so my account with them was closed. I have been XXXX XXXX XXXX XXXX XXXX XXXX early last year and was unable to deposit the check before it expired 6 months later. I called HSBC on XX/XX/XXXX and was told they would reissue the rewards check. When I still hadn't received the check by XX/XX/XXXX, I called back. The lady I spoke with said that she saw a note in my account, but no one had done anything about it, and she said she would call me back in a day or two, but I never heard back from her. I called again today on XX/XX/XXXX and was transferred to the Rewards department, but since my card is no longer active, I couldn't make it through the automatic menu to talk to a person.
Company Response:
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Other transaction problem
Subissue:
Consumer Complaint: I made a payment from my HSBC account to my XXXX XXXX credit card on XX/XX/XXXX for {$600.00}. Generally, HSBC offers the option to issue the payment as either a Wire Transfer or a Real Time Payment. For some reason, their mobile app automatically routes the transaction through the Real Time Payment network, so my payment was issued as an RTP, which according to HSBC, is settled immediately. On the XXXX XXXX side, they claim that they can not locate the payment and asked for a document providing confirmation of the settled transaction, but HSBC says that they can not provide such document since this was not a wire but an RTP. I need an official document from the bank confirming that the transaction went through and they insist that they can not provide it.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX, I received the attached letter from a company called XXXX XXXX XXXX attempting to collect on a debt for an HSBC account from 20 years ago. I have filed a CFPB complaint with HSBC on a prior collection attempt from 3 years ago and they sent me a letter RE : CFPB Case # XXXX on XX/XX/XXXX stating that their records do not show this debt. This company XXXX XXXX XXXX XXXX is constantly calling myself and my relatives and tries to collect on a debt that would be time barred if it was real. They are in violation of consumer law section 1006.26 ( Collection of Time Barred Debts ) which states that ( b ) Legal actions and threats of legal actions is strictly prohibited. A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time barred debt. The attached letter received today is a direct violation of this rule. It has a series of references to Liens, Garnishments, Bank Levy and lawsuits. I'm filing an additional complaint against HSBC as they are listed as the original creditor on this letter.
Company Response:
State: NJ
Zip: 07090
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX ... account open in my name XXXX XXXX XXXX I do not own nor have any access too. XXXX XXXX XXXX XXXX ... account open in my name XXXX XXXX XXXX I do not own nor have any access too. XXXXXXXX XXXX ... account open in my name XXXX XXXX XXXX I do not own nor have any access too. XXXX XXXX ... account open in my name XXXX XXXX XXXX I do not own nor have any access too. HSBC Bank ... account open in my name XXXX XXXX XXXX I do not own nor have any access too.
Company Response:
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2023, I redeemed XXXX points from my HSBC XXXX XXXX XXXX ending in XXXX for XXXX {$100.00} and XXXX {$25.00} XXXX XXXX XXXX. The confirmation email sent to me on the same day provided the order number XXXX. As of now, I have not received an email in my inbox or spam folder for the XXXXt XXXX. I called customer service on XX/XX/XXXX and spoke with XXXX. He informed me that I was emailed the e-gift cards on XX/XX/XXXX. I have not received the email. I informed him that the can check the gift card numbers and they will see that they have not been redeemed by me since I never received them. He informed me that he would escalate the case to his supervisor and that nobody else was available to speak to me since I was calling on a XXXX. He also said he would call me with an update but I have not received a callback from him. So I called customer service on XXXX, XX/XX/XXXX since it was a business day. I was transferred to the HSBC XXXX team and spoke with XXXX. He informed me the same thing, that I was emailed the XXXX XXXX. I informed him that I still have not received them and ask for him to do something about it. The only resolution he provided was to send this matter to the investigation team and that I would get this resolved in XXXX business days. He said the case number is XXXX. I told him that wasnt acceptable as I wanted this resolved XXXX. He also said he could not return the points into my account. So I asked for a supervisor. He tried 3 times to find a supervisor but said no one was available. How is there no supervisor on a business day? He took my number and said a supervisor will call me back. I disconnected a call and called HSBC Customer Service back. I was eventually transferred back to the HSBC XXXX XXXX and spoke with XXXX. She then informed me that a supervisor was not available and I would get a call back XXXX. That made me angry since who was her boss and in charge? She was very rude and would not listen to me. It was obvious she wanted me off the phone as she kept over talking me. Feel free to listen to the recorded conversation. I called back and spoke with XXXX in the customer service department. I filed a complaint for FRAUD against the HSBC rewards program and how the HSBC XXXX team did not resolve my issue. He kept trying to tell me that he would need to speak to the HSBC XXXX team first. I informed him a couple of times that I did not want that as I was already told that they didnt have a supervisor available and thats XXXX of my main complaints. He finally took most of the information down and provided me with the complaint number of XXXX. I want to add an official complaint against XXXX with her attitude and terrible customer service skills. I called again on XX/XX/XXXX to follow up on my case with the HSBC XXXX team since that is the XXXX business day and a supervisor never called me back. I spoke with XXXX. She informed me that their procedure is actually up to XXXX business days for a resolution of an escalated case. She does not know why the previous agent said XXXX business days since that is not the procedure. Additionally, I was told to wait until the " back office '' finishes their investigation. I informed her that they continue to provide me with conflicting information and are not trying to resolve my problem. They are committing fraud. She tried to get a supervisor on the line but was unsuccessful. She was going to request a call back but informed me, " the supervisor will tell you the same thing. '' Never have I dealt with unhelpful people and its ridiculous that no supervisor is available. HSBC rewards program is a scam and the actions their team showed makes me think all this is fraudulent.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I keep getting repeated calls from a company called XXXX XXXX XXXX stating that I owe {$3900.00} on a HSBC platinum credit card which I do not have a credit card and the last time I had one was 15 years ago. I have pulled my credit report and there is nowhere on my report having this credit card or this debt. Im am being threatened that if I dont solve this issue I will have a judgement. In the past 2 years I have had my identity stolen so I dont know if someone once again stole my identity and opened a credit card in my name. But like I said I dont have any credit cards on my credit report showing
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A