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 REFUSED TO ACKNOWLEDGE COURT DOCUMENTS RULING IN MY FAVOR & SUPPORTING MY REQUEST TO KEEP A BILLING DISPUTE CREDITED TO MY ACCOUNT. INSTEAD, HSBC PROCEEDED TO GIVE THE MONEY TO THE DEFENDANT, FORCING ME TO PAY A COURT OFFICER TO TRY TO GET THE $ $ BACK. This complaint relates to a previous complaint # XXXX that I filed against HSBC. This new complaint is based on the same documented facts as the previous complaint but with the addition of some new documents. See the attached 7-page document : Page 1 of the attached document shows an email from HSBC on XX/XX/19 confirming that a charge of {$600.00} from XXXX XXXX XXXX was put in dispute or temporarily credited to my account, pending further investigation. Page 2 is the email that I sent to HSBC on XX/XX/19 immediately following a phone conversation w/XXXX in HSBC Dispute Dept. who made note of my conversation stating that I had won my court case & to pls keep the {$600.00} credited to my account. XXXX instructed me to immediately send the email with the Court Document. Page 3 - The Court Document containing my name ( I go by XXXX XXXX ), XXXX XXXX XXXX, Docket #, Judge & date stamped XX/XX/19 showing that I won my court case against XXXX XXXX ( " that judgment is entered in favor of the Plaintiff '' ) and therefore to pls maintain that credit to my account of {$600.00}. THIS IS THE DOCUMENT I RECEIVED FROM COURT. But did HSBC even acknowledge the document? NO!!! Because. Page 4 is the XX/XX/19 email I received from HSBC stating the we have determined that we do not have sufficient documentation/information and are unable to pursue this matter further. We have placed this charge back on your account. (!?!?! ) Page 5 is another email from HSBC stating that ( because they had ignored all my documents & released the money back to the vendor ) XXXX XXXX took their money in person so theres nothing HSBC can do & they consider this matter resolved. (!!!???!!! ) Page 6 To top things off, HSBCs VP of Customer Relations - XXXX XXXX sends her own email with the ludicrous statement : I understand this matter was taken to court and the Judge ruled in your favor. However, we have not received sufficient documentation confirming the ruling SO AGAIN, HSBC DOES NOT CONSIDER THE COURT DOCUMENT I SENT THEM TO BE SUFFICIENT!!! Page 7 Shows the additional {$50.00} ( {$43.00} + {$6.00} ) I had to pay for a Writ of Execution and a court officer to try to get the {$600.00} back from XXXX XXXX. IN CONCLUSION : IT IS TOTALLY HSBCS FAULT THAT IVE HAD TO PAY AN ADDITIONAL {$50.00} TO GET THE MONEY BACK. IF HSBC HAD DONE THEIR JOB TO BEGIN WITH, TREATED ME THEIR CLIENT FAIRLY, & ACKNOWLEDGED THE COURT DOCUMENT & THE COMMON SENSE REQUEST TO KEEP THE CHARGE CREDITED TO ME, EVERYTHING WOULD HAVE BEEN RESOLVED. BUT NOW I AM DEMANDING THAT HSBC CREDIT ME THAT {$50.00} IMMEDIATELY. AND IF I GET ANY MORE GUF FROM HSBC ABOUT THIS, THEN ILL SERIOUSLY CONSIDER TAKING HSBC TO COURT. BECAUSE IF A MAJOR U.S. BANK REFUSES TO ACCEPT U.S. COURT DOCUMENTS, THEN THATS A SERIOUS PROBLEM FOR OUR COUNTRY, NOT JUST ME!
Company Response:
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2019 I applied for an HSBC Bank Gold MasterCard online ( App. ID. XXXX ). The application form had a US citizenship question to which I answered XXXX, because I am XXXX XXXX XXXX XXXX. My credit was in the high 600s, good credit. Though I gave the bank my SSN, they did not pull my credit report to ascertain who I was.But instead decided to manufacture a reason that my identity could not be verified. Because after quoting ECOA, in the denial email, which forbids denial of credit based on national origin, and i XXXX XXXX XXXX XXXXXXXX XXXX, whoever handled my application, in my opinion, was in a dilemma.So they decided not to pull my report because it was a futile excercise or redundant. HSBC approves ONLY XXXX XXXX for credit cards, a violation of ECOA.So no matter my credit situation, I would not qualify for the Gold MasterCard. Fast forward to the pre-approval letter to apply for a personal loan. If they could not verify my identity by a simple effort of pulling my credit report which takes a few seconds, how was HSBC, XXXX, NY able to access my credit report and mail me a pre-approval letter for a personal loan?
Company Response:
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2019-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I GIVE BELOW THE FOLLOWING INFORMATION FOR MY ONLINE TRANSACTION EFFECTED BY ME VIA MY HSBC CARD ON XXXX XX/XX/2019. MERCHANT NAME - XXXX ... GBP XXXX ( XX/XX/2019 ) - XXXX .. GBP XXXX ( XX/XX/2019 ) ORDER NO. XXXX - XXXX XXXX MAILING ADDRESS - XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX NAME AND ADDRESS OF MERCHANT - XXXX XXXX XXXX ] XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TELEPHONE NO : : XXXX XXXX PLEASE NOTE THE THE ABOVE TRANSACTION WAS EFFECTED BY AN ONLINE TRANSACTION VIA MY HSBC CARD AND THE ABOVE AMOUNT WERE CREDITED TO MY ACCOUNT. THE TRANSACTION WAS FOR SOME MEDICATION. UPTO TO NOW I HAVE NOT RECEIVED THE SAID ITEM AND WHEN COMMUNICATED WITH THEM I WAS TOLD THAT THEY DONT SHIP THESE ITEMS TO XXXX XXXX. SO I THEN REQUESTED FOR MY REFUND FOR WHICH THEY CONFIRMED MY E-MAIL ON XXXX XXXX THAT GBP XXXX WILL BE CREDITED TO MY ACCOUNT BUT IT WAS ONLY THE POSTAGE COST OF GBP XXXX AND GBP XXXX WAS CREDITED TO MY ACCOUNT. PROOF OF THEIR CORRESPONDENCE CONFIRMING THE REFUND VIA EMAIL IS AVAILABLE WITH ME SHOULD YOU REQUIRE SAME. HOWEVER, I HAVE MADE NUMEROUS TELEPHONE CALLS AND SENT NUMEROUS EMAILS REQUESTING THE REFUND OF MY MONIES BUT UPTO NOW I HAVE NOT RECEIVED THE GOODS NOR HAVE I RECEIVED THE REFUND. WOULD APPRECIATE IF YOU COULD KINDLY LOOK INTO THIS MATTER AND GIVE ME A FAVOURABLE RESPONSE WITH REGARD TO MY REFUND. THANK YOU
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
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: Hi CFB, I recently initiated a dispute with XXXX and the reason was a hotel deposit thats charged on my card. I left the hotel after a short stay because of bed bug problem and the services were not provided to me as promised. The hotel took {$1100.00} as hotel deposit and wont return so I initiated a dispute with a bank HSBC and they denied me upfront saying they wont do anything about it because of the hotels refund policy! This is totally unjustified to keep my {$1100.00} and not do anything about it. I tried calling the bank and they upfront said that they wont help me at all and can not do anything about it. I would request you to please look into and appreciate your help on this matter as soon as possible. Thanks, XXXX
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was contacted by a company called XXXX XXXX on XX/XX/2019. The representative, XXXX XXXX, left a message that said, this is a courtesy call regarding your claim in my office my intent at this time is to move forward by the end of the business day for whatever reason there was a failure to respond I also need to inform you my efforts were documented the claim has been verified and you were notified any concerns please contact. This was the first of me hearing about a claim and I wouldnt be able to respond because of that reason. When I called back to find out what the call was concerning, XXXX asked me my name and I said, XXXX XXXX, she proceeded to say, your name sounds so ghetto and hung up on me. I called back and asked who is this? She said that the XXXX police will be coming for me for receiving a credit card and stealing {$1800.00} from HSBC. I couldnt believe she called my name ghetto, accused me of stealing and the extremely rude attitude. I immediately called HSBC because Ive never had a credit card from them. HSBC does not have any information about me or a debit that I owe. I called XXXX XXXX again and this time a man answered and disclosed to me that they have my full name, address, telephone number, social security number, the car I drive and threatened to sue me and put a real property lien on my car. I do not have a debt with HSBC MasterCard or XXXX XXXX. A credit inquiry doesnt show on none of my 3 credit reports nor does this debt. Ive called the XXXX, Federal Trade Commission, and put a fraud alert with the credit bureaus on my reports. My next step is to make a police report.
Company Response:
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Beginning in XXXX of 2019 I have attempted to contact HSBC about the {$350.00} welcome offer they advertised when I opened my account with them on XX/XX/2019. Since then I have been told to call back anywhere from 24 hours to 2 weeks to get response. I have been told I will be called back. Since XXXX, I have not received one call back from HSBC regarding my query. I've been told that I was not eligible due to not applying through the landing page, I provided screenshots of the offer, the terms and my application ID. They have confirmed that I met the terms of the offer, however they have not credited my account with the {$350.00}. Most recently, I was told back in XXXX that some back office team told them that my application ID was tied to another customer and they were trying to figure out why and that the {$350.00} needed to be approved by a manager and would be paid in another 6-8 weeks. It's now been well past that timeframe and I just called on XX/XX/XXXX for an update and I am being given the same runaround answer that their query management system team needs to look into it. After pressing them more, I am told they are re-opening my case which should take another 4 weeks to be paid. I have been eligible for this bonus since XX/XX/2019 and it should have been paid 6-8 weeks after that date. I have called HSBC at least a dozen times in this time and have received nothing but broken promises that this would be resolved.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a HSBC Advance Checking Account and a couple of Savings accounts based on their {$350.00} bonus requirements on XX/XX/2019. I DEPOSITED FROM XXXX XXXX {$10000.00} on XX/XX/2019 and maintained that amount and more for over 90 days. After inquiring about the missing bonus, on XX/XX/2019, I was sent a message by HSBC Digital Contact Center that I did not meet the {$350.00} bonus requirements because my accounts did not maintain a {$10000.00} within 30 days since XX/XX/2019. The Advance Checking Account has a $ XXXX monthly fee, this fee is waived if you maintain linked combined balances of at least {$10000.00} or at least {$5000.00} with a recurring direct deposit from a third party to an HSBC advance checking account at least once per monthly cycle. If that was the case, why was I not charged a fee due to not having at least {$10000.00} in my accounts? It is because I meet the following ... Advance Checking Account {$350.00} bonus requirements : Open new HSBC Advance checking account by XX/XX/2019 Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I applied for and was approved for a personal loan in approximately XX/XX/2004. I received the money, paid off some credit cards and other bills and started making payments on the loan. Right around that time my father died, several months after his death, I received a small amount of life insurance from his death that my mother had given me. With that money I paid off this debt. I do not have any records as this was approximately 14 years ago. I have never been contacted by any collection company about this debt until now, 15 years later.
Company Response:
State: OR
Zip: 97306
Submitted Via: Web
Date Sent: 2019-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
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: My purse was stolen on XX/XX/XXXX, and HSAB denied two claims, one for {$330.00} and the other for {$100.00}. A police report was filed with the XXXX, TX police dept. case # XXXX. A new card was opened for me and the history and charges from the old statement were not shown. HSBA required me to make a {$75.00} payment without any visibility to my statement and without sending me a paper statement. My account is related to phone number XXXX. I called HSBC on XX/XX/XXXX and they said I had no past due balances. I look online and there is a {$35.00} past due balance. There is no way for me to see the old account that was closed online and they never sent me a paper statement. I want to see every historical transaction on my account to date. HSBC is a fraud shop! The banking system is a crime network run by the cabal and we bailed the criminals out. It has become a regular practice for HSBC and others to require a payment on the account, if they deem it late, and to not provide any transparency online or via paper. In this case they did not transfer all of the historical transactions to my current account. There should be XXXX late fees.
Company Response:
State: TX
Zip: 75078
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Im a woman in XXXX XXXX, so this is the wrong place to make a complaint. However, out of despair for being stuck in a city that has recklesly abused me discriminated, harassed me, due to various indiviudals and a former corrupt mayor. I recently opened a HSBC bank account, they were rude, something odd was going on have had some media and an ex, his friend sister works for XXXX PR XXXX XXXX Im not sure, but she might have been contacting my bank to mess with me, leaking my bank account data and other security data. A shopping center and various other companies have gotten full access of my data, the HSBC bank in XXXX XXXX might have disclosed all of my data. The police wont help and they are very corrupt in this city, the FCA haven't helped much. Its caused me a lot of distress, hackers have also been targeting me. Is there another organisation that I can contact?
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A