Date Received: 2019-11-29
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: HSBC 's behavior is illegal. HSBC has violated regulations. Please HSBC to abide by the regulations and safeguard the rights and interests of customers. HSBC should immediately submit a dispute appeal to the store for me and ask the store to submit supporting documents.
Company Response:
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2019-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-29
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 was contacted by a company ( XXXX ) Claiming that I owed a debt to HSBC bank. When I contacted HSBC they advised me that I did not have any outstanding debt with them. I contacted back XXXX and they told me that they had already sent validation and that I did not need to validate. However they said that I would need to pay this debt before having my wages garnished. The representatives were very threatening and convinced me to give my card number for payment. They told me that once the first payment was made that I would receive a receipt however I have not ever received that receipt. My bank has cancelled my card and I am now getting a new card. I have continued to get calls from XXXX.
Company Response:
State: MO
Zip: 63010
Submitted Via: Web
Date Sent: 2019-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-29
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: This particular balance transfer was placed on XX/XX/XXXX from my HSBC account for {$4000.00} towards my XXXX XXXX credit card balance. This balance transfer has yet to be applied to my XXXX XXXX account balance according to my XXXX and XXXX statements, however the funds are represented on my HSBC statement since early XXXX.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2019-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a new Choice Checking account through HSBC 's web site link that offered me a {$200.00} bonus if I deposited {$1500.00} within 30 days and keep minimum balance of {$1500.00} for 90 days. Since I had an existing old account from years past with a balance of {$.00}, I contacted HSBC customer service through the Chat option on their website. I was told ( have copy of the Chat ) that the rep would close the old account and I could proceed with opening the new account and I would qualify for the {$200.00} bonus. So I did exactly what the Chat representative told me to do. It has been over 4 months since I deposited the {$1500.00} in the new Choice checking account. I have opened 2 cases with customer support on this issue and the last case is # XXXX opened on XX/XX/2019. Each time they ask for additional information which I give them but they close the case without contacting me or asking for any other information like a copy of the Chat which supports my claim. I believe they are intentionally trying to defraud me and not honor the {$200.00} bonus commitment they made to me. Today I requested a transfer of my balance to another financial institution and will proceed to close the account once the transfer has completed.
Company Response:
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Phone number XXXX called multiple times and called family because of alleged debt. They were unable to tell me the original debtor, said it was HSBC, but there were many companies under that label. I was told that mail was sent to an address that I haven't lived at since XXXX. I was told that I made payments until XXXX-I most certainly did not. I asked repeatedly for written documentation of the debt and I would be happy to settle the debt. My request was refused. I asked why it has been all these years and it's just now becoming an issue. I was told that it was the collector 's fault and the original creditor decided to pursue the matter, BUT they could not tell me who the original creditor was. I was told it was a Mastercard, I was told it was a Visa, I was told it was opened in XXXX, I was told it was opened prior to XXXX, I was told that it would be submitted to XXXX county, when I asked why it would be submitted to XXXX county, since the address in question was not in XXXX county, I was told it was a mistake, that it would be sent to XXXX county where the account was opened. All I asked for was a written document of the debt and was denied. This was either illegitimate or they were just being difficult.
Company Response:
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2019-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2019, I upgraded my HSBC basic checking account to premier checking account. HSBC sent me a new debit card ( without my awareness ) and a new credit card, but I never received them in my mail. On XX/XX/2019, I received multiple fraud alerts in my mobile phone warning me HSBC suspect fraud on my card account ( s ). I called HSBC security center immediately, confirmed the fraud transactions because I never received my debit card and credit card. I requested HSBC to close my debit card and credit card immediately. However, HSBC didn't refund me all the fraud transactions made on XX/XX/2019 on my card accounts. On XX/XX/2019, HSBC sent me a letter claiming that the transactions on my card accounts were " AUTHORIZED '', and therefore they're denying my claim. This is absolutely UNACCEPTABLE! HSBC is un-professional, unreliable and their fraud investigation is totally WRONG!!!
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received promotional mail to open HSBC advance account, by XXXX XXXX, 2019 keep $ XXXX for 90 days and receive {$370.00} in 8 weeks after meeting the 90 day rule. I followed the instructions - there was option to apply online at : us.hsbc.com/earn375 - I applied on XX/XX/XXXX and received the below confirmation however I still have not received the {$370.00} welcome deposit ( last call XXXX XXXX, 2019 ) and HSBC is declining on the basis that I have not applied on the advertised website. However when I applied I received confirmation on XXXX XXXX, 2019 : " You've completed the online application ... You will automatically receive the {$370.00} Welcome Deposit in your new HSBC Advance checking account within eight weeks after completing all qualifying activities. Its that simple. '' HSBC is ignoring my attempts to provide them with evidence of the mail promotional material or the application ID as they say their system does not allow to attach snapshots or I can't e-mail customer service due to security concerns, they also can't put me in touch with Marketing or any of their managers because the person who took my case is the one who need to talk to me but he is never available for the last 20ish days. I brought the mail to a HSBC branch and asked the rep to photocopy it and attach it to my case, he did make a copy but could not find out where to attach it because noone responded to his query. I called multiple times to ask how to provide this evidence for their investigation but they don't know how to respond and generally waste your time on the phone, l have called 5 times already, and it takes 15-30min on the phone to get another promise someone will call me in 48 hours and first noone ever calls, it has been 6 days so far since the last call and I don't really think they need to call just deposit the money. It's that simple.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was called several months ago regarding the same " Credit Card Debt ''. I told them to send me information via mail and he said 'He could not do that, they were passed that step ' and he told me " Good luck in court. '' I didn't hear anything for several months. Today, my husband was called by the same company about the same " Credit Card Debt '' and was harassed. I called the company back and left a voicemail. They spoke to me using a name I have not used in years. They had an address I haven't lived at in years as well. This credit card debt they said I had, I called that company and they have no record of my current name or previous name to attempt to resolve this matter with the original company I had " alleged '' debt with. It is also not on my credit report. I called them back today to ask about said debt and asked if they were going to send me any kind of paperwork and I was told they are 'passed sending anything else via mail or email. I refused to pay anything over the phone that this company can not prove. While filling out this report I received another call from this company ( I am currently on hold ). How do I get these people to stop harassing me and my family over something that is false? Thank you.
Company Response:
State: FL
Zip: 33470
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
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 has not removed this fraudulent charge
Company Response:
State: IL
Zip: 60462
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I recently obtained a mortgage from HSBC. Initially, we were offered a rate which we " locked in ''. I signed the lock in agreement with HSBC specifying the rate and the subject property ( with the actual address ). Later, during the underwriting process, the loan officer changed the rate to a higher rate in violation of the lock in agreement even though nothing had changed. The property was the same exact property as listed in the original lock in agreement. I protested and insisted that we had a binding agreement. The lender would not budge. The closing date for the property sale was nearing and I had already paid for an appraisal assuming the lock in rate. I could not seek out another lender as it would cost me a second appraisal and would result in the seller potentially issuing a " failure to perform '' per the sale contract. I was over a barrel. I feel that this was a clear case of " bait and switch '' in which a lower rate was offered at first only to be revoked later when I could not switch lenders.
Company Response:
State: CA
Zip: 94703
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A