Date Received: 2019-10-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account with HSBC bank in their XXXX, CA branch in 2018, with a promise of {$350.00} bonus if I deposit {$10000.00} for 6 months. However, I never received the balance despite depositing over {$10000.00}. I have raised the issue multiple times with HSBC, and they always claimed that they needed to launch an investigation and keep me informed of the outcome. However, I have never heard from them about any outcome.
Company Response:
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2019-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-23
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Robo-signing '' is a term used by consumer advocates to describe the robotic process of the mass production of false and forged execution of mortgage assignments, satisfactions, affidavits, and other legal documents related to mortgage foreclosures and legal matters being created by persons without knowledge of the facts being attested to. It also includes accusations of notary fraud wherein the notaries pre- and/or post-notarize the affidavits and signatures of so-called robo-signers. I am alleging both XXXX XXXX XXXX ( XXXX ) and HSBC ( Beneficial ) has executed not only a false mortgage assignment, but a forged mortgage assignment as well. Forgery : Although HSBC did not allegedly file this mortgage assignment, they are culpable due to the fact they authorized XXXX as their attorney in fact ; according to the documentation XXXX provided. Either they did or did not authorize XXXX as an attorney in fact. If they did, they are culpable. I would like written confirmation from HSBC stating in the affirmative the fact they did or did not authorize XXXX as attorney in fact for the AOM filed on XX/XX/XXXX. Notice the signature on the XX/XX/XXXX AOM by XXXX XXXX compared to two other documents used to verify XXXX XXXX notary signature. The difference is remarkable and overwhelmingly substantiates forgery. Falseification : Notice the property address listed in the XX/XX/XXXX XXXX ( listed as XXXX XXXX, XXXX, NY XXXX ). This is different than the actual property address contained in the mortgage dated XX/XX/XXXX, Instrument # XXXX XXXX references in the XX/XX/XXXX AOM. The actual address is unknown as it is not listed in the mortgage document referenced by XXXX. However, the address listed in the security agreement is XXXX XXXX XXXX New York XXXX. The security agreement also states, You are giving us a security interest in the real estate located at the above address. Also, the legal description codified in the document is not the legal description of my deceased parents home location. In addition, the dollar amount referenced in the XX/XX/XXXX AOM is inaccurate compared to Instrument # XXXX. All the above constitutes falsification. Both XXXX and HSBC are aware of these fraudulent actions, however, they both have chosen to ignore the clear and accurate documentation I have provided on numerous occasions. I demand a thorough investigation conducted by a third party other than XXXX or HSBC, as it is evident they lack the integrity in their ability to investigate these matters independently.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXX XXXX XXXX " robo-called '' my wife 's phone and my phone threatening to call my employer and take me to court. I called back and they said I owe XXXX for an HSBC credit card. Since this was not the first time I have been threatened by them I asked for more info with intentions to file harassment charges but they would only tell me the state they are in and name of the company. Eventually the lady on the phone didn't like my persistence and just said that they are forwarding my file to court. XX/XX/XXXX XXXX XXXX " robo-called '' my wife 's phone and my phone threatening to call my employer and take me to court. I called back and tried a more deceiving tactic to get more info about this business who does have my accurate personal info. Eventually they threatened to sue me for harassment and blocked my number. I called the FTC who said I should look at my credit report to see who is actually reporting the debt and it don't show on any of the reports. I am looking at my paid receipt and the debt for the HSBC card I had was fully satisfied on XX/XX/XXXX.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2019-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Other service problem
Subissue:
Consumer Complaint: XX/XX/19 I went to HSBC branch located at XXXX XXXX XXXX XXXX. My cash withdrawal was refused even when I presented 1 ) Employer ID, 2 ) Passport Card ID, 3 ) NY Drivers License 4 ) HSBC Debit Card. I was told to call a number. I called the number and the rep couldn't provide a reason why the transaction was declined. XX/XX/19 - I've tried on several occasions to cancel a recurring bank to bank transfer that was setup. The portal says there is not future transactions scheduled but yet the transfers keep getting setup. There is a process to edit a recurring transfer but the capability to cancel is not available. The portal is broken. My only recourse at this time is to close the checking account to stop the transaction. XX/XX/19 - I went to HSBC branch located at XXXX XXXX XXXX XXXX. Their system was doing a system update from XXXX - XXXX while I waited online. The rep could not give me an ETA as to the remaining time required for the system update and reboot. Why is a system update going on when HSBC needs to service customers? Why is this not happening during off hours? Why isn't there a procedure in place to service withdrawals when the branch system is down? I had my balance available through my mobile app. I had id. Why couldn't I complete my withdrawal and closure of the account at the time I was there and have HSBC address the update later when the system was up? Their process and procedures have numerous servicing gaps!
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I refinanced our mortgage the mortgage company sent one check, and the check was not processed. My mortgage company sent a second check the check processed by HSBC in XXXX. Had a XXXX balance from HSBC for XXXX and XXXX bill. On Saturday XX/XX/XXXX received a bill for XXXX with a returned check fee. I called my mortgage company they are saying the check was processed.. HSBC sent me a check back in XXXX for XXXX, and I ripped it up want nothing to do with this company at all. I have demanded they close my account, and they refuse to close the account, and will not stop billing me. I would like the account to be at XXXX balance, and closed. Thank you, XXXX XXXX
Company Response:
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am enrolled in a debt management program that is called XXXX. HSBC is stating that my debt management company is not an approved agency which it is. The CEO of XXXX is handling this case. I am extremely dissatisfied with the way HSBC keeps on with not accepting XXXX as a recognized debt management company. They are charging an exorbitant APR and I am trying to do the right thing in enrolling and not declaring bankruptcy. Please assist.
Company Response:
State: NY
Zip: 11418
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2019, I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX stating that they intend to file a 1099-C form for a debt that I have disputed as being valid from 16 years ago. This is a violation of collection laws as my request to provide proof of debt with the former collection agency regarding this debt went on deaf ears. Additionally, this debt has lapsed all of the time limitations of my state and is not able to be collected legally. This law firm is infringing on my legal rights. In addition to filing a CFPB complaint, I will also be filing an IRS 1099 complaint against this law firm.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have pulled a copy of my XXXX credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is HSBC. I shows two different dates of XX/XX/17 and XX/XX/17. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!
Company Response:
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Wire transfer on XX/XX/2019 of XXXX. The international wire started at XXXX XXXX and went to hsbc bank of XXXX NY. HSBC bank will not send the money to the recipient at the XXXX XXXX XXXX XXXX XXXX. XXXX has tried to contact hsbc bank and do a trace and then recall with no luck or reply.. I keep getting told they can just keep my money and its out of XXXX hands. And if hsbc bank don't do the recall or reply they can just keep the money. I have been on the phone with XXXX everyday for since XX/XX/2019 with nothing. But I have been able to contact the hsbc bank that will not return the money .. Thanks
Company Response:
State: IN
Zip: 46203
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: HSBC approved my balance transfer request in the amount of {$5000.00} on XX/XX/2019, from a XXXX XXXX XXXX Mastercard. My outstanding account balance, including the fee for such transfer, was {$5200.00}, as of XX/XX/2019. The funds have not been received by XXXX XXXX XXXX, and HSBC was unable to provide any evidence that funds were sent to XXXX XXXX XXXX. It is deceptive and misleading to charge my account on XX/XX/2019, for funds that have not been transmitted as of XX/XX/2019. To the extent that HSBC requires processing time, my balance with HSBC should be held in a pending status, rather than being charged immediately.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A