Date Received: 2020-03-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My account was placed under review and it has been almost 2 weeks since then. Ive been told that it would be resolved within 24 hours, within 1 week, and Ive been told that Im unable to access my money or close my account. Nobody has given me a reason or any information. I want my money returned to me and my account closed.
Company Response:
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Im a victim of identity theft someone got my information and I believe open accounts in my name
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 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.
Company Response:
State: ID
Zip: 83709
Submitted Via: Web
Date Sent: 2020-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: 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.
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2020-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: HSBC Bank USA reported that I have a balance to the credit company in XX/XX/2019 and I had a XXXX balance. It made my credit score drop from XXXX to XXXX. I have contacted them to update my information correctly, but a letter was sent to me stating it updated. But its not updated. My XXXX report for my HSBC creditcard ending in XXXX is currently showing no payment status on file.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: 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.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: 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.
Company Response:
State: CA
Zip: 910XX
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: 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.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Money was not available when promised
Subissue:
Consumer Complaint: 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.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: 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.
Company Response:
State: CA
Zip: 90745
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A