Date Received: 2020-02-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: 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.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: 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.
Company Response:
State: CA
Zip: 94117
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: 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.
Company Response:
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: 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.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: 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.
Company Response:
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-08
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: HSBC doesn't want to resolve the fraud charges on my account XX/XX/2019 XXXX XX/XX/2019 XXXX
Company Response:
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2020-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Beneficial Mortgage Co. and XXXX XXXX XXXX. were subsidiaries of HSBC Finance Corporation and organized in the State of Delaware. It appears that Beneficial, HFC companies, and HSBC Credit Centers have closed their consumer finance businesses in the United States. In 2008 a lien was place on my home in the amount of XXXX. Home address XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX county. The loan was paid in full and the loan company closed due to being a predatory lender.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: 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
Company Response:
State: TX
Zip: 76086
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
Issue: Other transaction problem
Subissue:
Consumer Complaint: 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.
Company Response:
State: LA
Zip: 71203
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: 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.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A