Date Received: 2020-01-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I am re-opening claim XXXX as HSBC continue to owe me the {$370.00} promotional bonus. According to their letter " you will see the promotional bonus reflected in your account within 4 weeks, provided the account remains open and in good standing ''. It has been 4 weeks and 1 day since XX/XX/XXXX and I don't see the money in my account. The account is open and in good standing but they don't do what they promise, so I decided to seek CFPB help again.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: 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.
Company Response:
State: CA
Zip: 94025
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: A new account was opened with HSBC Bank to get a Welcome Deposit of {$370.00}. Despite completing the qualifying activities, the Bank is not paying the Welcome Deposit of {$370.00}.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: 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.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened the HSBC business checking account in XX/XX/2019 and met the requirements in XX/XX/2019 but I have never received my {$300.00} bonus. I have contacted the bank several times and could not get this resolved.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 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.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: 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
Company Response:
State: ID
Zip: 833XX
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: 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.
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: 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
Company Response:
State: WA
Zip: 98011
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
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: I contacted HSBC right away letting them know to take off the XXXX as we were sold fake jewelery but charged for real. We sent in the information they asked over 3 times and have paid and have proof it went through but instead of taking it off my account they are leaving it their and keep sending the same form to send out this was supposed to be taken care of this is back from XX/XX/XXXX 31
Company Response:
State: IL
Zip: 60462
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A