Date Received: 2019-10-14
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX, a balance transfer check was sent from HSBC bank to XXXX at my request, as HSBC was offering a 0 % balance transfer. Unfortunately, the payment address I provided was incorrect, due to the fact that HSBCs website asks for the provider address, not the providers payment address. I contacted HSBC by telephone on the XXXX to find out if I could stop payment if it had not already gone out. Instead of telling me that the payment had gone out, the agent stopped payment on the check. Once she finally told me that the check had already gone out but she went ahead and stopped the payment, I became irate and told her that that is not what I wanted.She then put in a request to have the stop payment canceled. I called back a couple of days later and was told that the payment address was irrelevant, because the balance transfer should be processed electronically. I received a communication from XXXX on XX/XX/XXXX stating that my payment had been returned by the shore. I was then charged an NSF fee, my payment transaction was reversed, and I have accrued interest on that balance. I made calls to HSBC every few days beginning on XX/XX/2019. Each time, I got a new customer service agent who could not tell me what was going on with the balance transfer. They all said that they had no idea where the funds were, as it showed that the transaction cleared on their end. My most recent call to them was XX/XX/2019. Each time I called, the agent assured me that they would have it looked into and someone would call me back. I have never once received a return phone call from HSBC. Further, there is no way to upload any documentation when sending a message to HSBC to show that their own transaction had been declined. I sent an online message on XX/XX/2019 indicating that I would be filing a complaint. When I logged in this morning, my balance now reflect that the transaction was reversed, but the date of the reversal is listed as XX/XX/2019, which is false. I have also been required to make the minimum payment on the balance including the balance transfer, rather than my very small purchase balance. This erroneous charge and length of time to find their own money has affected my credit in that it has shown to balances where only one existed. It is also cost me extra money in fees and interest, payments to two credit card companies ( when there should have only been one ), as well as my time and stress and trying to get the issue resolved.
Company Response:
State: CA
Zip: 92506
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-13
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: CONSUMER FINANACIAL PROTECTION BUREAU. I am banking with HSBC in the California.XXXX.Brances. I have a Saving.checking, creditcars, debit card with HSBC. I can not use my I account properly on internet access the HSBC WEB SITE is BLOCKED for account transaction. My social security account in deposit it where I can not withdrow.My account is blocked by HSBC. HSBC web site, main address. Us.hsbc.com This web site used to before for transaction..Now I can not access with login pass words etc.HSBC web site blocked for login .Error Code is blow. Also HSBC is not provided XXXX pc compatible mobil software solution. LISTED ERRORS. 1-XXXX Cant Find the Server XXXX cant open the page https : //www.services.online-banking.us.hsbc.comXXXX XXXX because XXXX cant find the server www.services.online-banking.us.hsbc.com. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This site cant be reached www.services.online-banking.us.hsbc.coms server IP address could not be found. XX/XX/XXXX. I have reported problem to HSBC tech support on chat room technician-IT dept XXXXat XXXX, XX/XX/XXXX : This is the ticket number to reference, XXXX. and XXXX. I have filed a complaint for HSBC BANK in XX/XX/XXXX and XX/XX/XXXX to Consumer Financial Protection Bureau. I can not use my bank accounts. HSBC Bank is violating Banking Regulations and consumer protection law continuously. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 94070
Submitted Via: Web
Date Sent: 2019-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-13
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I opened an HSBC MasterCard. I requested paper statements over the phone. I never received a paper statement. I requested statements several times back in XXXX via my online HSBC account, and HSBC refused to provide a statement because allegedly one was not ready. I was never provided with a payment address to mail payments to. The online account didn't seem to have a way for me to link my bank account to the card for automatic payments. If it does it was not easy to find because I could not find it. I looked up the HSBC payment address on XXXX, and it was listed as HSBC Card Services, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Several weeks ago, in mid XXXX, I was aware, via my HSBC mobile app, that the first payment was going to be {$65.00}. I mailed a check for {$100.00} to the address I found. Yesterday, I received the check I sent back in the mail. The post office stamped on the envelope that the recipient moved and left no address, and also stamped on the envelope that the PO box was closed. I called HSBC, and discovered that I was now considered in default and behind on my payments. {$130.00} was due, of which a portion is a late fee. I paid this over the phone immediately. I tried calling an HSBC representative, but their office is closed right now.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2019-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-12
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I opened saving account in HSBC on XX/XX/2019 at XXXX, CA. The HSBC worker suggested me to open overdraft protection. Actually, she opened Line of Credit for me. And it incurred a hard pull and new credit account which impacted me credit score a lot. I did need overdraft protection and she did NOT tell it would have credit score impact. I want to repair my credit score!!! Thanks.
Company Response:
State: CA
Zip: 95129
Submitted Via: Web
Date Sent: 2019-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened an HSBC master card account and did a balance transfer online from another credit card to this card. As soon as the balance transfer was complete HSBC charged me a 4 % balance transfer fee that amounted to {$190.00} I had no idea I was goin to be charged. When I complained they said that the fee is disclosed! I can assure you if I knew there was 4 % fee I would never have done this transaction and I told them if the fee is disclosed it is definitely not in plain site it is definitely hidden and not in plain site at all! They said they would credit the fee back as one time courtesy that was on XX/XX/2019 it is now XX/XX/XXXX and the fee is still not credited back. I have called 5 times since and they keep telling me ... tomorrow then Tuesday then Friday then on Friday they say by the end of the business day and they will call me back or a supervisor will call me back and that never happens. I think HSBC is a very dishonest company and how they are handling this is absolutely outrageous! I want my fee back and then I am closing this account.
Company Response:
State: NY
Zip: 10309
Submitted Via: Web
Date Sent: 2019-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Company : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Original Creditor : HSBC BANK Company has attempted and continuously attempts to collect a debt that I have paid twice with two different debt collectors.
Company Response:
State: CA
Zip: 94523
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hi i'm missing a XXXX $ sign up bonus for my checking account, its been past the 8 weeks after qualifying and still no bonus, i tried contacting them about the bonus and they gave me some bs excuse for it saying i had a checking account with them before when I've never banked with them ever in my life. If i don't receive the bonus i'm gon na close all of my accounts with you guys and let everyone know how bad of a bank this is. Here are the terms - Choice checking {$200.00} bonus requirements : Open new HSBC Choice checking account by XX/XX/2019 Deposit a minimum qualifying balance of {$1500.00} 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: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: HSBC bank sent me to a collection agency 7 plus years ago. I was contacted by the collection agency and payment arrangements were made. They took out of my checking account the amount agreed upon for 3 years. After the 3 years was up another collection agency had taken over the first collection agency. I was told that my account was settled and paid in full. It was taken out every month from checking account. About 9 months later in XXXX I filed bankruptcy on my other credit cards. My attorney even said that my HSBC was paid for. So, today XXXX XXXX, XXXX 4 years after I had HSBC paid off I get a call saying that I have not paid HSBC off. I tried to explain to the woman on the phone that it was paid and she said that they were taking actions against me to get it paid because their office says it was never paid. I also told her I have had a bankruptcy since I paid it off and it was not owed at that time either. It was taken out of checking account. She wanted proof. That account was paid off over 4 years ago going through papers from that long ago is not feasible at this time for me. She got mad and hung up at me. I waited a few minutes to call back and they hung up on me again. This account was paid in full. It's not my fault they can't do the proper paper work on their end
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I received several phone calls from ( XXXX ) XXXX trying to collect on a HSBC account. I had an hsbc account but it was bought out by XXXX XXXX and included in my bankruptcy that successfully discharged. They are even calling relatives leaving messages for them. The lady claimed that shes going to file a judgment within 72 hours. This debt would be way beyond the statue of limitations. This seems to be a scam.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Around XXXX, XXXX XXXX, I have opened a checking account with HSBC bank an " Advance checking account '' after I have received an offer in my mail from HSBC with a personalized code which i have used that advertised the following : " you will receive {$400.00} bonus after you meet certain requirements .... ". I have used the code and met all requirements and one year later I did not receive nothing. I have sent a previous complaint regarding this issue and the bank responded to me by a letter on XX/XX/XXXX that claims that I was ineligible for the offer because I did not use the personalized code. Indeed, that is not true, they are clearly lying because I have used that personalized code and I have proof of doing so. The personalized code is " XXXX '' on my online application! and I have also mailed the code to the bank along with a check of {$10000.00} around XX/XX/XXXX. I also still have a copy of the code which I have attached to this complaint along with the bank 's response letter.
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A