Date Received: 2023-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I sent written statements to company that Im not responsible for debt.. Im made complaints XXXX still have debt owned on my credit report thats not mine.. Its from XXXX XXXX. I made complains to cfpb but XXXX did not remove any debt
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a letter from XXXX XXXX XXXX in XX/XX/XXXX saying I owed a debt to XXXX XXXX. The letter stated I needed to contact them by XX/XX/XXXX. I kept a log of my contacts : XX/XX/XXXX XXXX - I rang the number on the letter ( XXXX ), after it rang for a very long time the call seemed to be answered, there was silence for 29 seconds ( with me repeatedly saying hello, asking if they could hear me ), then the line went dead. XX/XX/XXXX XXXX - I rang again, this time I got a voicemail system, I left a message asking to be called back. XX/XX/XXXX XXXX - I rang again, voicemail again, this time I left a detailed message explaining that I didn't know which account this was for and I requested proof that I owed the debt in question. XX/XX/XXXX XXXX - having not hear back I went to their website, as suggested in the letter, and used their form and gave the same details of my voicemail, requesting proof of the debt. I never heard back from them. XX/XX/XXXX I noticed my credit had a derogatory remark on it re debt collection. XX/XX/XXXX XXXX - I called again, this time got a human spoke to XXXX who was apparently a manager, who gave me a contact at XXXX XXXX. XX/XX/XXXX XXXX - I calleXXXX XXXX XXXX ( XXXX ), spoke to XXXX XXXX who was able to give me more details, and I explained that I closed the account in XX/XX/XXXX, and HSBC had made a mistake in the closeout figure, which they'd subsequently tried to credit in XX/XX/XXXX, where they'd made another mistake in the credit, and so this was not a debt I owed. She gave me an email address to send her a copy of my closure letter. XX/XX/XXXX XXXX - I emailed XXXX the closure letter. XX/XX/XXXX - I received a bunch of HSBC statements from XXXX XXXX dating back to XX/XX/XXXX, although these did not show a debt dating back to XX/XX/XXXX, it DID show the attempted credit in XX/XX/XXXX, and the XXXX balance that the HSBC support representative left in the account, and it showed that XXXX ballooning into the {$140.00} that XXXX XXXX was now trying to collect. XX/XX/XXXX XXXX - I emailed XXXX again, stepping her through the statements, and demonstrating how they supported my claims that this was an HSBC error, and not a debt I owed. I never received any response from XXXX, but the derogatory mark on my credit was removed a few days later, so I assumed the matter was finished. XX/XX/XXXX - I received notification ( from XXXX XXXX ) that our credit report had changed. Logging in I see that the HSBC account is now showing as " charged off '' and has XXXX late payments listed. I have now rung HSBC twice, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX times, XXXX XXXX multiple times ( I can never get through ), as well as two other collection agencies that XXXX referred me to ( XXXXXXXX XXXX XXXXXXXX XXXX ). All information I have is that XXXX XXXX are acting on the debt and are the ones who have reported the late payments and poor account standing, and yet I am unable to reach them to sort this problem out.
Company Response:
State: WY
Zip: 830XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: During a recent pre-employment background check from HSBC XXXX, I've reported inaccurate/false statements related to " public record '' section of my credit history many times, and also reported fraudulent/suspicious activities from fake court/government information sources. However, I received " Can't Proceed '' email from HSBC stating my job offer was cancelled without further explanations. My HSBC job offer and its subsequent pre-employment screening messages were sent from email sender, XXXX ( ip : XXXX ). On XXXX. XXXX, 2023, I received offer letter titled " Your Offer of Employment for Lead Consultant Specialist at HSBC XXXX '' careers.hsbc.com, and I accepted the job offer on the same day. On XXXX 2023, I received email sent from careers.hsbc.com, titled " Introduction to your onboarding with HSBC XXXX stating that " Our background checking team will start your vetting '' attaching forms requesting for my personal information such as social security number and address etc. On XXXX XXXX, based on phone call I received from an HSBC person describing my credit report, I formally requested HSBC to correct my credit report with my FRAUD Report email stating " Fake Court/Government Information Scams of such nature on at least 10 corrections on serious FALSE accusations. '' On XXXX XXXX, I requested HSBC to fulfill hiring terms and conditions mutually agreed upon, but observed no action to this date.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: In the time period of XXXX XXXX, 2020 I was let go from my XXXX XXXX role due to the pandemic. I had opened an HSBC XXXX account to take advantage of the welcome bonus that requiring direct deposits. It also required some minimum direct deposit per month or else I would have to pay a {$50.00} maintenance fee. Since I was no longer employed, I could no longer make direct deposits and needed to close the account. I walked into an HSBC branch at some address between XXXX and XXXX XXXX and XXXX in XXXX XXXX XXXXXXXX ( branch is no longer there ). I stated to the female teller that I needed to close my account and wished to withdraw my balance. The teller immediately began acting pushy and demanding in a very likely attempt to prevent me from closing the account. They asked why I needed to close the account and stated it was required that I tell them. After a mild protest, I informed them it was because I was laid off and could no longer make direct deposits to prevent the maintenance fee. The teller than began cycling through my recent deposits and demanded a full explanation of each and every deposit. My most recent one for {$3400.00} was from my employer. After stating this, the teller demanded that I provided paystubs and documentation verifying this information, on the spot and quite bizarrely within the bank branch. Since resigning, I no longer had access to my paystubs. The hard drive on my computer containing all of my documentation additionally had unfortunately failed and I no longer had no way to access the documents. The teller, as far as I am aware, had no right to demand this information from me, and would not allow me to withdraw my substantial balance and proceed with closing my acccount. It seems that false pretenses is a modus operandi of HSBC to prevent losing customers. Since I was getting nowhere in the face of this bizarre situation, I walked out of the branch. I wrote a check from this checking account and deposited it to my XXXX bank account and resolved to wait the 7 day waiting period to complete the deposit. Due to this situation, I wound not paying the balance on one of my credit cards and had to pay interest for that month. Once my HSBC account balance was down to XXXX, I called and had the account closed over the phone, which was entirely within my purview. For two months, however, the account remained open despite the phone operator confirming that it was in the process of it being closed. The maintenance fee was charged on the account twice, as well as negative account balances. I had to call several times to have the negative account balance removed. Since this incident, it appears that HSBC has willfully supplied inaccurate information to reporting companies including XXXX. I most recently had a checking account application with XXXX denied as a result. This entire experience is outrageous and has cost me many wasted hours dealing with willfully incorrect information supplied under malicious motivations that has caused precise damages from charged credit card interest subsequent hits to my credit score.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX I deposited a check issued to me in the amount of {$3800.00}. The bank notified me that the check was fraudulent. I had no knowledge of that. Deposited the check for the first time since having the account. I had monthly social security deposits in the amount of {$510.00} going in the account every 3 rd of the month. Bank ( fraud department ) told me the account is going to close and they will issue a check to me with any funds owed to me. It's been over 2 months now and I haven't received my money. Every time I call they'll tell me the same thing. I need the money for my XXXX child. They haven't closed the account and it's been 2 months already.
Company Response:
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Dear Customer Relation Agent : Complaint : HSBC refuses to return {$10000.00} belonging to XXXX XXXX. A request to close a checking account began 5 months ago and since then 25 calls have been placed and 15 plus hours have been wasted speaking with HSBC agents, wasting my time and theirs on something other banks resolve in one hour. Three Security department supervisors have failed to address a doable solution to the problem, and all walked away. I have been accused of wrong doings, hung up on, avoided and calls not returned all from a World Class bank. After a 60-day investigation, HSBC said a letter and check would be sent, that never happened. I heard week after week the request was batched and processed, which meant nothing. Finally, in XXXX an agent from security department XXXX recognized the number of calls made and attempted to resolve the issue. It was advised a recall/dispute was required to return the funds. With him and the XXXX XXXX XXXX on the line where funds came from ( sees attach ), XXXX XXXX XXXX said this is not possible, the funds were accepted, XXXX XXXX has no access to the website and 4 months past. They stated this was an issue between HSBC and me. l Supervisor XXXX in the Security Department insisted this is the only way funds would be returned ; this was not possible, and I took this as a threat. At this point I had already called XXXX XXXX corporate and visited two local branches, all denying the request. XXXX said, Go to bank, go to bank! and hung up on me. It should be noted, he also alleged me of some wrongdoing actions on the account which are totally false. It should be noted he pulled XXXX off this case, someone who was attempting to resolve it. One great supervisor from a World Class Bank. The next supervisor who came along was XXXX, a man of a few vague words, like XXXX, Go to bank. I arranged a call with him and XXXX XXXX from XXXX XXXX XXXX. I wanted them to talk because the Go to bank advice doesnt resonate with me. XXXX subordinate insisted that XXXX would leave the room. The purpose of the conversation was to learn what XXXX XXXX XXXX needed to provide. Totally insane. XXXX said few words other than a letter requesting return of funds from XXXX XXXX was required. ( See attach ). XXXX said his email was blocked, so I sent letter to the HSBC efraud prevention address, apparently this went nowhere. I called XXXX XXXX weeks later for an update and his subordinate, XXXX, got tangled in a lie about his availability wouldnt allow me to wait and took message ensuring XXXX would return the call. He did not return my call. XXXX was interesting, he said HSBC doesnt do any emailing, but expects XXXX XXXX can. It was also interesting his subordinate requested XXXX from XXXX XXXX to leave the room in conversation with XXXX. Why was that? If this request is a bank-to-bank transfer in which XXXX suggests, then why are not the two banks talking to resolve the issue? XXXX XXXX did not initiate the transfer to HSBC, I did. The next supervisor came along was XXXX. His records show the only way I can have funds returned would be if XXXX XXXX XXXX sent a Hold Harmless letter. Again, XXXX XXXX XXXX rejected. At this point I realized these supervisors are totally incompetent of resolving this issue. All the documents requested ( bank statements, HSBC welcoming letter ) were all sent to their efraud prevention address, and each had no idea, cared, or read them, a bunch of lazy supervisors, in XXXX case he asked for me to resend them again while on the phone, a totally disorganized guy. XXXX said he would update me, but never did. I question the knowledge of any of these supervisors. Three different nonsolutions to the same problem. All forgot the case existed and show no follow-up to resolve, either. Is this World Class Banking? My intentions were to open a CD account, days later finding the funds went into a checking account, something I did not want. After total confusion and unclear conversation, I requested to close the account. I cant believe a World class bank can waste these many resources on a relatively simple request. In closing, I hope this letter is forwarded to a banking professional up the chain above any of the agents in this letter who can take the facts and resolve and not waste anymore of my time or yours.
Company Response:
State: MI
Zip: 48071
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: For more than a month now I haven't been able to access my online account. Which means I'm not able to see my account balance or my credit account balance, and it also means I can not make a payment to my credit card. Witch will obviously affect my account. I tried to reach HSBC on the phone, they transfer me to various departments, and nobody knows how to help me. I was asked to send a proof of address, which I was told I would get an answer in 5 business days. Nobody answered me.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX has garnished my check from a debt in XXXX which I was given a 1099C in which I had to file on my taxes which I sent a copy to them 3 times with the last paperwork being sent certified in XXXX. I reported this issue to them on XX/XX/XXXX they sent me a letter stating that they were going to reopen the judgement and amend to correct my name. My question then if is closed how are adding different employment for me on the judgement which had a place of employment I had never worked. They are sending my information to third parties which they did during COVID-! 9. My information was sent to New Jersey and I get a letter from the state that my PP loan was denied they informed I would have to get a IP PIN to file taxes for the rest of my life. Now on XX/XX/XXXX I get a letter with same case number for HSBC Bank which was on the original judgement now they change the name of the company to XXXX XXXX XXXX XXXX with the same case number XXXX. I'm a over XXXX and work a seasonal job to help with expenses. They have violated so FDCPA laws.
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am an excellent financial user of HSBC in XXXX. According to the regulations, I have the right to open an account remotely at HSBC in the United States. On XX/XX/XXXX this year, I submitted an application to HSBC in the United States. For the next three months, I have been trying to communicate with the bank, but the reply is always very slow. HSBC asked me to provide a statement on the source of funding. At the beginning, I proposed that the money might come from my father, so HSBC asked me to provide a bank statement, which I have provided. But then I changed my mind. I thought this part of the money should come from my salary, so I offered my payslip in XXXX. At this time, HSBC is still asking for information about my father. I think it is unreasonable and I have the right to refuse to provide it. In addition, HSBC ( United States ) called me many times at about XXXX XXXX. I have complained to the relevant department of the bank about this problem, but it is invalid. I will still receive calls after that.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My initial complaint to HSBC started way back at the beginning of XX/XX/2023. I basically simply tried to submit XXXX bank to back transfers via HSBC 's website and the payments went missing/ were rejected. I contacted all the various emails and phone # 's that were detailed. No one had a clue at HSBC about what happened to my payments. HSBC Premier Team never responded, HSBC Customer Service rep promised to call me back... still waiting for the call. Since then, it's all been a complete cover-up by HSBC as to their own " internal investigation '' about what happened. We are almost into XXXX and this has still not been settled to my satisfaction. It's been a very distressing experience for me and I am also a HSBC Premier customer. I dread to think how they treat a regular customer. I've been thrown from pillar to post, even XXXX promised getting back to me at various specific times and that was unfortunately a classic case of over-promising and under-delivering.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A