Date Received: 2019-12-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Robo calls were being placed to my deceased fathers home. I contact the company back on the day before XXXX asking them to stop. They stated I had a debt with HSBC that they bought and wanted me to pay. I asked for verification and they said to call HSBC I called hsbc and was told there was no outstanding account by XXXX at XXXX and also there investigation department. The company calling me only said they were a litigation dept at XXXX ext XXXX which when i tried to call back was a bogus extension. I then got a call the following week from someone else XXXX XXXX XXXX which again said I owed debt but this time to XXXX XXXX. Called XXXX XXXXXXXX again no bad debt or anything in collections called back to HSBC again no debt. Then the 3rd week I get contact made by a XXXX XXXX XXXX who stated I owed I asked for proof of charges they refused to provide any documentation I stated HSBC and XXXX XXXX both had been contacted and both stated there was no account that went deliquent or sold off. Numerous times with all 3 phone number I asked for proof of debt which was refused to me. All they could say was opened XXXX closed XXXX no payments made then last phone call said payment was made in XXXX but then stopped. I never received any mail regarding a debt in the last 7 years.. I purchased a home in XXXX and had all my mail forwarded from my prior address which i had lived at for 10 years and i have had the same phone number for 19 years and email address as long as i have been on the internet. This company had my social, date of birth, what vehicles i owned access to my credit report but no address, phone or email on me. Very suspicious. I ended up settling the bill only to receive a letter from HSBC stating there still was no account out for collections. The last contact I had was with a XXXX XXXX with this XXXX ph XXXX on XXXX, XX/XX/XXXX but then in my email I get a letter for settlement offer but no other contact from them and her name is not on that document. Also when I called back to discuss I was told she was busy and would call be back and I never received a call. I was threatened with legal action and court cost with no description of charges. I was threated that all my lines of credit would be closed and I woulid be unable to do any financial business and that if i didn't want to just pay it I would have to go to court. The tatics used were bullying and scary to say the least. As a consume i was trying to do my due deligience to validate this debt before paying it.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2019-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-10
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/2019 they charged me on my statement for {$4100.00}, I disputed due to a fraudulent charge they sent me a letter dated XX/XX/XXXX. I did not receive it till XXXX XXXX and I faxed HSBC the Additional information form and have proof it was received. A letter dated XX/XX/2019 arrived today saying they did not get form. I have the fax saying it was successfully sent. There were no calls or anything just this letter I did receive today. I am writing to get this corrected
Company Response:
State: IL
Zip: 60462
Submitted Via: Web
Date Sent: 2019-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: To whom it may concern : On XX/XX/2019 I applied for a mortgage for {$900000.00} with HSBC mortgage located at XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX and as of XX/XX/XXXX the loan is still in underwriting and my lock in agreement is almost expired. I have supplied any and all documents they have requested in a timely manner and yet no final answer after numerous written and verbal requests that go unanswered. The staff manager XXXX XXXX has not replied to my requests verbally or in writing. The loan officer XXXX XXXX NMLS license number XXXX calls me once every 2-3 weeks with verbal assurances but those verbal assurances go unanswered. XXXX has tried to get the head of underwriting to address this matter but weeks and months have passed with no result. There are many facts to this complaint where serious violations have occurred namely rendering a decision within 30 days after the loan was submitted to underwriting on XX/XX/XXXX. completed file for approval. I have sent updates to the loan officer and to the portal to keep up to date on expired documents but these efforts as well as other attempts appear to be meaningless.
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2019-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have tried twice through the credit bureau to get HSBC of XXXX, N.Y. ( XXXX XXXX ) to close my credit account. I was sent letters to call an 800 number to close the account. They never pick up, even after a 20 min. wait, then 30 minutes, then 40 minutes. I suspect they NEVER pick up the phone. And why should I call to close my account if they have a letter from me with my signature? Why do I want to close my credit account? Because I do not like the way that they do business.
Company Response:
State: MS
Zip: 392XX
Submitted Via: Web
Date Sent: 2019-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: This is the craziest thing I have ever heard in banking. I work for XXXX. I have an HSBC savings. I had a checking there that I closed, and have a credit card that I am closing. I thought, last year, I lost a cashiers check of {$10000.00}. It was my money that I took out from HSBC, put in their savings account, and withdrew it to deposit elsewhere. I really think this company makes it difficult to leave. They issued a new one and had me stay there signing all kinds of notarized affidavits to issue a new check, of my money, and told me it was an exception to do this. The new check and the old had no expiration dates. Last week, I found one of the checks and tried to deposit it and it was returned by my other bank, XXXX. XXXX told me it may be returned because the date was XX/XX/2018. But, they said since it had no expiration date, they would try to see if the deposit would go through. If not they said to talk to HSBC. It didnt. That was fine. The assessed me {$12.00} for the return check fee today and said before, I could waive the charge. I went to HSBC this week. They refused to allow me to close my account and said I owed them {$10000.00} because I was issued two checks and they may have been cashed. I went off. One was supposed to be cancelled, stop payment, before it was deposited. The new one that I received, I couldnt recall if or where I deposited it. I am experiencing health problems and my short-term memory is fair at best. They could not even tell me which bank either was cashed at. Their research department is investigating and it takes them 7 to 10 days to do that. And, get this, they cant call the research department. I was there and asked, and they said they couldnt. I am so done with HSBC. As an XXXX employee, I will file a complaint on any financial institution thatI can not get service from. I did years ago, against XXXX XXXX, because I couldnt close the account and get {$70000.00} from them. My reason was the same. I could not get though to talk to anyone via phone, and then when I would, I would be transferred, and transferred again, and then it would discount. Same situation except HSBC has a brick and mortar office near my condo. XXXX is online. So I have wasted my time, being sick, going and spending hours there just to do normal transactions. The VP there blamed me, for depositing two checks. Really, they should be able to trace transactions to ensure a cancelled check isnt cashed. And, she then told me they dont cancel or stop payments on checks. I XXXX near fell out of the chair. Why the XXXX would they keep me in there last year signing all of this paperwork, issue a new check, and not tell me the old one wasnt really cancelled, because their checks expire 90 days after non-deposit. Well, that would have been good to know then. So, when people lose, misplace, or have checks stolen and possibly cashed when they thought the HSBC branch cancelled it, HSBC expects to be paid for the deposited amount of the check that was supposed to be cancelled. But, oh wait. They dont cancel or stop payment on checks. Truth is stranger than fiction. The examiners should look into their IT systems. And this policy. It is the most ridiculous thing I ever heard from a bank. Thank you for looking into to this. Whether they trace and find the other check or not, they would never get their money back, especially if it was found by someone else and cashed. That alone is stupid. Have them fix this and save others this trouble. Also, I left a {$1000.00} in the savings maybe {$1500.00} because I thought it was a good bank and didnt want to close the account. They are holding my money while they research the two cashiers checks, and will not return it if they find that both checks were cashed. Well, get this, XXXX returned the one I deposited. SO THIS SHOULD BE A NONISSUE. There is no way both checks could be cashed. It is a wash. But their VP didnt understand this until almost one hour later of me arguing with her. Nor did the other person. A third person, employee, a personal banker, was there who completely understood and agreed with what actually happened. And understood that. I had to look up the rejected check in my XXXX account, have them take a phone shot of it because their inadequate IT system could not see the transaction. They had to have the research department look into it. They had no record of it in the branch. What the XXXX kind of institution is this where the branch can see their own rejected checks and cant call another division to find out what the XXXX happened? Their security systems are so good they cant even talk to each other. Too bad the rest isnt so. Thanks for looking into this and please check their IT systems. Or have an IT examiner go in and do it. They say because they are an international bank they are regulated more strictly and have more protocols. XXXX. So is XXXX and I dont have that problem with them. I can get my money anytime and they can reach back while Im standing there and get an answer in five minutes. Just like the rest of XXXX products, the services are below par too. Im sorry but Im pissed off. Consumers cancel checks so this wont happen and I was blamed for depositing two checks. Excuse me for having a brain injury. Happy holidays!
Company Response:
State: VA
Zip: 22203
Submitted Via: Web
Date Sent: 2019-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My purse was stolen on XX/XX/XXXX along with all of my credit cards. A CFPB complaint was filed by me and HSBC stated that a credit would be made to my account by XX/XX/XXXX. I have called the Fraud Dept. in XXXX on numerous occasions and they say that the account is still being investigated. I asked to have a Supervisor call me back. Nobody called me back. This is a crime shop. How does the Fraud Dept. not know that a letter from HSBC was sent to the CFPB stating that my claim was accepted as fraud and a credit would be made to my account by XX/XX/XXXX. They have denied purchases, failed to credit me back the money, lied to the CFPB and me and have a Fraud Dept. located in XXXX that is Clueless in XXXX. The CFPB better start investigating the banks for fraud!
Company Response:
State: TX
Zip: 75078
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I have been having a very large amount of Fake collection calls from a time barred debt. They are making threats of having me arrested and many other extreme lies. How can I get this information your hands? They change their name every time they call and I but XXXX XXXX XXXX is the most commonly used. They are doing everything from changing the last date of delinquency, not following the FDCPA guidelines and making idle threats of having me arrested at my place of work. Their latest # is XXXX and they are trying to collect on a cc dept with a last payment date of 2012 I am in Utah so the debt collection time is found here. https : XXXX
Company Response:
State: UT
Zip: 84121
Submitted Via: Web
Date Sent: 2019-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been an HSBC Premier customer with both banking and credit products for approximately 4 months. From the beginning, HSBC has had on file both my residence address and a separate mailing address. The mailing address is also considered my credit card billing address. My mailing address as given to HSBC for all of my deposit and credit accounts is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX In my deposit accounts at HSBC, they have my mailing address correct and there are no problems. However, in my two credit accounts, HSBC negligently and carelessly lists my mailing address as : XXXX XXXX XXXX For some reason, their staff is not only incompetent, but also illiterate whereas they remove all vowels. I have corrected this address online at least six different times. After each correction, two days later they revert the correct address back to the illiterate version. I have phoned HSBC and spoke with their dedicated address change team and explained this issue and they corrected the issue on at least 5 different occasions. Again, two days later the illiterate version of my address reappears. This is causing me serious problems. HSBC has caused the incorrect and undecipherable version of my address to pollute all four of the major credit bureau files in addition to XXXX. In addition, this intentional and negligent pollution of of my credit bureau files has caused me to be denied two times for credit. Creditors decline my applications because, they state, " Unable to verify my identity ''. When I call these creditors to ask for an explanation, they state that the address I give on my application does not match the address on my credit bureau files. In addition, HSBC 's willful, negligent and incompetent conduct has caused me to have online purchases denied when the seller uses the Address Verification Service provided by the major card association. I have provided two attachments. One shows how I correct the HSBC address error. The second shows how the error reoccurs within two days of a successful correction.
Company Response:
State: OR
Zip: 97008
Submitted Via: Web
Date Sent: 2019-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-03
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I am filing this complaint with CFPB because in the last 60 days I have been unable to receive any response whatsoever to my online and written complaint mailed to the HSBC Executive Office on XX/XX/XXXX at HSBC Bank USA, N.A., Executive Office, XXXX XXXX XXXX, XXXX, NY XXXX concerning the following : In XX/XX/XXXX, I did a Balance Transfer of XXXX ( including transfer fee ) with a 0 % APR until XX/XX/XXXX. In XX/XX/XXXX, I received my first interest charge on a balance of {$790.00}. The interest computations seem correct ; however, on my statement it reads : " Interest Charge on Cash Advances ''. By the way, when I look at my transaction history online at the HSBC website, it reads " Finance Charge Cash Advance '', instead of " Interest Charge on Cash Advances ''. Either way this is incorrect when listed as a Cash Advance. I noticed this error on XX/XX/XXXX when making my timely online payment. On that same date, XX/XX/XXXX, I contacted HSBC via their chat line. I was told that the Balance Transfer showing as a Cash Advance was a computer error on the part of HSBC. I opened up complaint number XXXX and sent a written complaint to the HSBC Executive Office address listed above. In my written complaint, I advised HSBC that I was entitled to an accurate statement reflecting MY transactions. Attached to my written complaint was the chat line conversation that had been emailed to me as documentation. This chat documentation also included the Executive Office address where I was directed to mail my complaint. Also included in my complaint letter were portions of HSBC 's own credit card agreement showing that Purchases, Cash Advances, and Balance Transfers are distinctly different transactions. Additionally, according to HSBC 's own credit card agreement, I am entitled to a response to a written complaint within 30 days. So 30 days later when I again went to make my timely online payment on or about XX/XX/XXXX, I called HSBC to follow up on my complaint. I was advised that my complaint would be resubmitted. It is now XX/XX/XXXX and I am once again making a timely online payment and, to-date, I have received no response whatsoever from HSBC. As a note, I always make my payments online, although the address to mail payments is : HSBC Bank USA, N.A. at XXXX XXXX XXXX, XXXX XXXX IL XXXX. Additional note : In my original letter in the RE section, I indicated the complaint number as XXXX. The correct complaint number XXXX is in the chat documentation attached to my complaint. In my XX/XX/XXXX phone call to HSBC, I was advised of this error and added a notation to my copy of the complaint letter in the RE section. I did not send a new letter to HSBC because they had more than enough information to address and handle my complaint. I have attached a copy of my letter. The original letter was printed out, signed and mailed to HSBC to XX/XX/XXXX.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have been contacted several times in the last XXXX weeks be XXXX XXXX XXXX claiming that I owe money on a credit card that has gone to collections. They are stating that they have tried to mail me proof at an address I last lived at in XXXX. I have explained to this company that I dispute the validity of their claims and to please send me proof of this debt. I have even gone so far as giving them my current address. They have told me that they have already sent it out to my old address and that they were going to take me to court to sue me. The amount they say they will settle the $ 3000+ account for is roughly {$650.00}. I am fairly indifferent to the amount as I do not believe I owe this debt. I have explained to them that I have exceptional credit and that I have zero delinquent accounts. They have threatened me that my credit will be negatively impacted unless I pay them immediately. XXXX XXXX has also made accusations that my last payment was in XXXX. I find this claim to be 100 % false and have demanded proof of both the debt, and the last date of payment. They have provided no written proof. I am at the point where I need closure on these accusations of delinquent debt. I am more than willing to pay a debt if I am proven to be negligent, but I am certain that this debt is not legit. I am asking that XXXX XXXX sends me itemize as noted below ; XXXX XXXX must supply the information below so that I can be fully informed : Why they think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When they identify the original creditor, they must provide any other name by which I might know them, if that is different from the official name. In addition, they must tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, they must provide a copy of the written agreement that created my original requirement to pay? If XXXX XXXX is asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Has XXXX XXXX made a determination that this debt is within the statute of limitations applicable to it? Tell me when they think the statute of limitations expires for this debt, and how they determined that. Details about their authority to collect this debt. I would like more information about their firm before I discuss the debt with them. Does their firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If they are contacting me from a place outside my state, does their firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
Company Response:
State: OR
Zip: 97068
Submitted Via: Web
Date Sent: 2019-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A