Date Received: 2020-01-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened an HSBC premier checking account because the bank had a promotion offering {$750.00} if I made {$5000.00} in direct deposits for 3 months. I satisfied the requirement but have not received the bonus. I called on XX/XX/2020 and was told I would receive a call back by XX/XX/XXXX but never did. It's unfair for banks to lure consumers with attractive promotions and then fail to deliver on their promise.
Company Response:
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-23
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: 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
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: 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
Company Response:
State: TX
Zip: 789XX
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Payment made are debited from my bank and posted to my credit card account but the funds are held and not made available for use for as much as 14 days. It appears that the funds not made available are being used by the credit card company for investment or other uses. They are using money that in effect still belongs to the customer until they become available for the customer 's use.
Company Response:
State: IN
Zip: 46383
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: 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.
Company Response:
State: MI
Zip: 48234
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: 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.
Company Response:
State: CA
Zip: 95132
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: 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
Company Response:
State: GA
Zip: 30088
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Hello, I was divorced by my ex-wife in XX/XX/2010 in which she was awarded the property and all financial responsibility concerning the property through mediation in which XXXX and my self agreed by. I call the lender HSBC to ask them to remove my-self off the loan and they decline. I am asking for you assistance to removed that loan off my credit report. I have supporting documentation to support why that loan should be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2020-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-09
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Bank has placed HSBC XXXX account a freeze and is requiring customer to visit a branch. The account is an HSBC XXXX account opened online and the customer has never been to a branch. The closest bank branch is over 300 miles away from the customer 's residence and the customer is unwilling to travel 300 miles to present his ID at a bank that opened multiple accounts for him online.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 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.
Company Response:
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A