Date Received: 2019-11-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX my wife received a call from XXXX XXXX XXXX advising that they were in the processes of bringing legal action against me for a debt from XXXX. They claim that the original creditor was HSBC and I owed {$650.00}. They also claim that the last payment made on this account was XX/XX/XXXX for {$200.00}, however I do not even recall applying for a credit card from HSBC. My wife asked them to provide a court filing # so that we can research and the representative told her that the litigation was pending. We have received calls from this company in the past and they had threated to sue me in court for said debt. My wife asked them to provide a copy of the payment history that they claim exists, however the representative stated she didn't have one in their records. I am frustrated with all the threatening phone calls. My wife requested more information be emailed to her and I attached the document they sent to her in this complaint. The address they have for me is over 10 years old so I have never received any correspondence from them. I wrote up a Debt Validation Letter that I am mailing out to their company today as well. I attached a copy of that for your records. The company name is XXXX XXXX XXXX ( Website - XXXX XXXX XXXX XXXX XXXX ) - Address : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX
Company Response:
State: AZ
Zip: 85043
Submitted Via: Web
Date Sent: 2019-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Someone by the name of XXXX XXXX continues to call my number and family members who are distant relatives leaving threatening messages that they are going to sue me or garnish my pay for a past debt that was included in a bankruptcy in 2012. I've contacted HSBC and XXXX XXXX and they have no information on any accounts in my name that this individual or company is claiming to sue me for. I've given them my attorney 's contact information in XXXX XXXX, CA and yet they still continue to call me and harass me with threatening messages. I have no record of the account they are referencing and it does not show up on any credit reports dating back to 2012.
Company Response:
State: HI
Zip: 96744
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the XXXX charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Company Response:
State: MA
Zip: 01040
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: For the past couple of months, I have been getting phone calls from XXXX XXXX about a credit card from HSBC Card Services that it says I owe money for. They had an old address of mine from 13 years ago, and said they have been trying to contact me, and that they were going to have me served with legal paperwork at work. On the first call, I asked them for more information on the debt, they said it was an old credit card, and that it was charged off in XX/XX/XXXX. I explained that I had no idea what card that is, as I have not lived at the address they say the card was opened at for 13 years. I asked if they could send me some paperwork so I could verify the debt, and provided them with my current address. The paperwork never arrived. A few weeks later, they called my job, and the call ended with the same promise - they would send me documents to view, and if it was not mine, all I had to do was fill out the form stating it wasn't, and send it back. Again, nothing arrived. On XX/XX/XXXX, they called my uncle, and stated they need me to contact them. I called them back, but they did not pick up. On XX/XX/XXXX, they called me again, and I again stated that I did not know which card they were calling on. I told them the only card I've ever had from HSBC I closed in XX/XX/XXXX. I asked if they could provide any information, as I was concerned someone opened a card in my name without my knowledge. They refused to provide me with the last date of payment, the date the debt was defaulted on, date it was opened, or anything other than the name of the original owner of the debt, and they could not. I told them if they could provide me with proof it was my debt, and that it was not beyond the statute of limitations, I would work something out. After this, the representative started to yell at me, accused me of being a liar, trying to steal money, etc. When I said I simply wanted proof it was my debt, she said I would get that proof in the form of a lawsuit. Again, I said I merely am asking you provide me with enough information to validate its my debt, and not beyond the statute of limitations. Again, I was told I would be sued, but not only that, but that they would ruin my credit and post it to my credit profile in 2 weeks. She then hung up on me. I panicked, and called back, many times, asking them to put me in touch with a manger, or someone who can help. Asked every time, not to be put in touch with the rep in charge of my account because she kept calling me names and threatening me, and that I need someone to work with me. No luck. When I ask for their address, they refused to provide it, and disconnect the call. They use robo calls that leave threatening messages. The rep in charge of my account is XXXX XXXX, and the number they have on file is XXXX
Company Response:
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I met all the steps to receive an HSBC bonus. As soon as I told them I was XXXX they denied my bonus even know the data showed I fully qualified. I spent months of my time, well over forty phone calls, over ten emails and around forty hours of my time to fight to get the bonus that qualified for in the first place. This firm is acting in a fraudulent manner and discriminating against peoples with disabilities.
Company Response:
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2019-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Other transaction problem
Subissue:
Consumer Complaint: Time is of the Essence to this request. I want to file a complaint against HSBC BANK of New York. I have contacted the HSBC Wire Department and Federal Reserve Bank XXXX without any progress. HSBC wont talk to me! Its my money. I started a Wire Transfer XX/XX/2019 of XXXX $ Reference # XXXX at XXXX Bank XXXX XXXX XXXX, XXXX XXXX has some arrangement with HSBC Bank in New York to be the intermediary. I contact HSBC and they refused to check status. I contacted XXXX same result. I sent wire expected quick delivery. Please prosecute, penalize and take enforcement action. I paid fee of {$50.00}. Funds were not transferred and not returned by HSBC Bank New York. XXXX submitted a Cancellation request on XXXX XXXX and funds have still not been returned!!! HSBC Has had my money for 13 days!
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
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 received a concerning robo call stating that I was not responding to call or other attempts of contact and to call ( XXXX ) XXXX immediately. Also stating that they had contacted my employer. I immediately called the number and spoke to Miss XXXX at extension XXXX. She made me aware that it was a debt they were assigned to collect. When she stated the account and amount, I informed her that it had been paid through a previous collector. This was a debt that I was not aware of, thinking that the debt was paid in full years before. Unfortunately we had a fire in 2015 and I had no proof of payment so I set up 2 payments with XXXX XXXX and paid the debt in full. XXXX then sent me a letter stating that. Miss XXXX said she would note my file. I then received several more calls fo the same debt. Each time going over the same info that I gave Miss XXXX. The collector became belligerent. I asked several to remove my name from the call list because this debt was paid in full. At this time, the company started calling my elderly parents home and demanding information however they would not give my parents their info except for a telephone number. I told my parents not to worry that it had been taken care of.They telephoned my parents today, telling them that they were trying to serve a warrant for my arrest. My mom called me all upset. I then called the company and asked them to stop calling my parents and was told by XXXX XXXX at extension XXXX " Pay your debt and we'll leave them alone ''. I became angry and told them to loose both my number and my parents. I was hung up on. I called back again to speak to Miss XXXX and was transferred to XXXX XXXX who was also not very pleasant.She stated that I never paid the bill or it would not still show on their account. She then said I needed to pay them because she did not know who XXXX XXXX was and that they did not pay Household Finance the debt I had owed. I tried to fax a copy of my pay off letter but the fax number keeps stating error, I caled to request a mailing address to mail them a copy and I was told by XXXX XXXX that he des not trust me so would not release the mailing address. Any assistance your office can give is greatly appreciated. I do not want my parents contacted again. I do not have an address or email for this company. When I searched for them online, I could not find anything. I did a reversed number search and everything states that they are a scam, I have attached the letter stating that I am paid in full.
Company Response:
State: VT
Zip: 053XX
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX , XXXX on behalf of XXXX XXXX XXXX ( Hsbc Bank Nevada, N. A. {$3000.00}. Notice Of Judgement Collection. I contacted an Attorney and Submitting A Letter Of No Responsibility for Debt due to Identity Theft Or Fraud ( HSBC Bank Nevada N.A. - Acct. # xxxxxxxxxxXXXX ).
Company Response:
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello I have a Credit Card Account with HSBC. Current Balance as of XX/XX/2019 is {$3800.00} Minimum payment due date is the XXXX of every month. Account has ALWAYS been in GOOD STATUS. Automatic payments are attached to the account. Latest automatic payment was returned. In order to comply with due dates i made several payments within the 30 days period. On XX/XX/2019 HSBC reported the account 31 Days Late to the Credit Bureaus despite payments made withing the 30 days period prior to reporting. The issue appears to be the MINIMUM AMOUNT INCORRECTLY communicated by HSBC to me : Minimum Amount indicated to pay was XXXX . AMOUNT SPECIFICALLY REQUESTED BY HSBC, CAN BE CONFIRMED ON STATEMENT AS WELL Correct Amount was supposed to be XXXX $ - NOT REQUESTED SO - The 3 $ discrepancy incorrectly given by HSBC to me resulted on late reporting to the Bureaus. Multiple recorded attempts were made specifically to avoid any late reporting, both by automated system and directly to costumer service. NO LATE FEE WAS EVER GIVEN DUE TO THE FACT THAT THE ACCOUNT WAS NOT LATE AT ALL. NO LATE FEE IS INDICATED AT ALL ON ALL STATEMENTS HSBC is responsible to remove the 30 DAY LATE reporting to the credit agency. Documents, including confirmation of payments, statements and specific detailed payments made withing the 30 day period are attached. Also credit report.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2019-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Premier checking account with HSBC. I went through a fraud review, etc to open the account. A premier account is their highest level account a high net worth account. It requires either a minimum balance of {$75000.00} or electronic deposits of {$5000.00} per month. My account was opened on XX/XX/XXXX. The opening deposit was funded from my XXXX XXXX XXXX checking account in the amount of {$100.00}. This amount was deducted from my XXXX XXXX account on XX/XX/XXXX. On XX/XX/XXXX I deposited a life insurance check from XXXX XXXX life insurance payable to me with my home address on the face of the check. The check was for approximately {$6700.00}. The next day I went to log onto my account and it was frozen. I called customer service and they indicated the department I needed to speak to was not open on weekends they would call me back on Monday. On the XXXX I called HSBC. I was continually placed on hold and had to call back multiple times. I finally got a person that stayed on the line with me for over an hour while we tried to figure things out. Apparently the deposit triggered a fraud warning. They wanted a copy of my drivers license and proof of address - again - all of this was provided a week prior to open the account. I provided what was requested. After over an hour on the phone I was told the account would remain suspend ed d for 5 business days for the check to clear. I have a few issues with this. I had never tried to access the funds in my account - there was no reason for the account to be placed on a full out fraud suspension. I can understand placing a hold on the funds, but not to allow me any access? I can't even tell you if the initial {$100.00} deposit was credited properly or if my electronic deposit of my paycheck was credited. The account is not accessible to me in any way. I never received a phone call an email or any type of communication. I tried to file an internal complaint. There is no method to file a complaint with HSBC - nothing on their website, nothing when you call. No one would transfer me to a department to file a complaint. Thus I filed one with the XXXX on XX/XX/XXXX. To date I have still not had any resolution with HSBC or even the courtesy of a phone call. Thus I am now filing this complaint. I have done some research and it appears this is a common practice with HSBC. I am lucky in that I do not need access to those funds. However, there are others that have experienced this that do need access to the funds. I only opened thos account because it promised a {$750.00} bonus after meeting certain criteria. At this point I wish I had never opened the account. How is a customer supposed to meet the minimum balance requirements if they can not deposit checks? Why couldnt the bank contact the company the check was drawn on to verify its authenticity? I have been in compliance and risk management for banks for several years and have never seen a policy such as this where accounts are suspended for no reason other than depositing a check.
Company Response:
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2019-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A