Date Received: 2019-10-09
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: The purpose for recently contacting you is that I have been trying to get my adequate mutually agreed upon settlement from HSBC Bank. I was apart of the Class action against them in the XXXX case CIVIL ACTION NO : XXXX-XXXX however I did not receive a opt out notice from them so I could hire my own attorney. In addition to this I did not cash the settlement check I emailed them immediately after I received the settlement check which I did not cash stating that I did not agree to the amount of the settlement check. I later wrote the company that handled the disbursement of the settlement funds I wrote and sent them a letter certified return receipt mail receipt number XXXX before the final court agreements of settlement disbursement stating that I did not agree to the settlement amount and wanted more. I received no response, I then further filed complaints with several Senator XXXX XXXX office and Congressman XXXX XXXX office and with the Federal Trade commission complaint number XXXX, the Consumer Financial Protection Bureau Case No XXXX, the Commodity Futures Trading Commission complaint XXXX, and Securities and Exchange Commission complaint XXXX. Court documents indicate that the Attorneys on the case did not do do diligence so this confirmed my feelings that I did not get proper representation in court document 132 is a transcript of how the settlement is unfair and in the transcript the Attorneys for the class action state that there was not due diligence or very adequate discovery. Matters of res adjudicata do not apply because I did not receive a opt notice so I could hire my own Attorney, and I continued to write and solicit a proper settlement amount, both to HSBC Bank and Government Agencies. Since I dissented against the settlement amount I have never cashed the checked. By the latest at 36th and 37th 38th to 40th court documents the court had determined agreed that both parties should negotiate a settlement. Yet class action members like me our issues or concerns about the settlement amounts were not considered hence why I want to take the case to state court and sue HSBC Bank in State court. I have the complaint case both in the body of the email and in a attachment. My dealings with HSBC bank were that I took out a line of credit to trade in silver, and I took out a policy with HSBC Bank that I thought was to protect me from identity theft, and to protect me if I had any losses and was unable to pay back the line of credit. Which was the case and I thought the matter was settled but HSBC Bank continued to solicit funds for the insurance policy via the mail, and HSBC bank put a negative mark against my credit report even until recently as far as 2016, in fact I was even contacted last summer from a company saying that I owed HSBC money. Though I was told on the phone that the matter was settled and fine when I had first contacted HSBC Bank about the matter. At least I thought that was the case, and that was the type of policy I was taking out but in the class action it was indicated that is not the case and also do to HSBC negatively effecting my credit report. I still do not know what actually the insurance policy was that they actually sold me. It is my understanding that it is illegal for a insurance company to trick someone into taking out a insurance policy that they didn't want, you can't sell someone something telling them it is one thing and in fact it being another type of policy. That is illegal, the state deceptive trade practices acts were enacted by the various states following the passage of the Federal Trade Commission Act ( FTC Act ), which prohibits deceptive acts and practices in the sale of products to consumers. In this regard, the state laws in this area are modeled on the FTC Act, and, therefore, are highly similar in content. Please cconsider taking on this case on my behalf as your client against HSBC Bank. The case is pretty straight forward, and you just have to follow the general map set out in the Federal Case against HSBC Bank. HSBC Bank needs to be brought to Justice for what they have done and the amount they want to pay is pittances. HSBC bank has deep pockets and they want to get away with what they have done. During the time the law suit against HSBC Bank was before the Court HSBC Bank did not act in good faith the Plaintiffs and the Putative Class which I was apart of are and were also entitled to injunctive and declaratory relief including, without limitation, orders declaring HSBCs practices as alleged herein to be unlawful, unfair, unconscionable and/or deceptive, and enjoining HSBC Bank from undertaking any further unlawful, unfair, unconscionable, and/or deceptive acts or omissions. Which HSBC Bank continued to further break the law and were doing so during the time this case was before the court. HSBC Bank has and was during the time the case was before the court manipulating the libor rate, HSBC Bank has manipulated the price of Silver and Gold which directly effected my silver trading business. Which as a side note when I first was asked what I wanted to take out the line of credit for which I stated was to trade in silver I later found out that HSBC shortly after approving the line of credit started manipulating the Silver and Gold price course that would be very hard to prove but of course that isnt the crux of the issue here. The issue here is they sold me the wrong insurance policy. What I have asked for in regards to the settlement is shares in HSBC for them to transfer ownership of stock shares over to me. They can do a share buy back which it has been discussed in the press that HSBC bank was going to do that. HSBC bank can do a share buy back, and then transfer shares over to me, which would be a win win situation for HSBC Bank they strengthen the value of their stock shares by doing a stock share buy back and they can simply transfer some stock shares ownership over to me. So it would not be to difficult for them and if the amount is adequate then the matter is settled. So please help and consider taking this case it could be very lucrative for you, and it is so necessary because HSBC bank needs to be brought to justice and HSBC Bank needs to be stopped form doing this to other people. Also with the US. Senate Bill recently passing about not being able to sue banks which I would think is unconstitutional there is need to get this case done. I have also done some work on writing the case up my self but not being a lawyer and only being a XXXX XXXX XXXX I don't have all the complete nuances of how to write up the complaint. I could send you what I have written up and you can fill in the parts about the fact there was no due diligence in the case along with there being no adequate discovery, how matters of res adjudicata are not issues because the lack of the opt out notice, and HSBC continued to break the law while the case was before the court. Like I said the case is pretty straight forward and HSBC Bank settled rather quickly but HSBC Bank have been jerking me around about the settlement amount in the complaint with the Consumer Financial Protection Bureau HSBC Bank Acknowledges they owed me money and they state I did not agree to the amount and asked them for more, but that since I didn't cash the check they gave the money to a non profit organization. So since HSBC Bank has been jerking me around about the settlement amount I have found it necessary to take them into state court and finally settle the matter. So Please help me and consider taking my case this would be very lucrative for you and would bring about justice against HSBC Bank which has committed fraud and it would stop them from doing this to other people. I have put the original case complaint in a attachment in this email and also in the body of the email below the body of this email. Thank you for your time and consideration in regards to this matter and please help me and bring Justice against HSBC Bank.
Company Response:
State: OR
Zip: 97230
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Someone has been opening bank account without my knowledge or consent alot of bank accounts
Company Response:
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Regarding complaint responses XXXX ( Beneficial/HSBC ) and XXXX ( XXXX XXXX XXXX, XXXX ( XXXX ). Beneficial responded, " As referenced in our XX/XX/2019 and prior response letters, HSBC is not seeking a judgment with respect to the outstanding loan nor did HSBC file the Assignment of Mortgage that Mr. XXXX references. Therefore, HSBC is unable to comment on the allegations that Mr. XXXX outlined in his correspondence regarding XXXX 's actions ''. If that is in case fact, then how do they explain why Beneficial is on both the Corporate Assignment of Mortgage and Allonge To The Note ( attached )? This could only mean 1 of 2 things, Beneficial continues to fabricate and is evading the truth, or XXXX has used Beneficial unknowingly/unwillingly/illegally! In addition, XXXX continues to refuse to answer my questions regarding the gross and misleading errors in the AOM which was erroneously filed ( as per my last complaint ). As fiduciary, I continue to reject any and all claims by XXXX and Beneficial ( HSBC ).
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Welcome bonus not posted XX/XX/2019 -- I saw the {$350.00} bonus promotion for the checking HSBC Advance account through website https : //www.us.hsbc.com/checking-accounts/campaigns/offers/ # advance-checking-details. -- I clicked the apply button from the page above and applied for the account on XX/XX/2019. I received the email ( email 3 ) from HSBC stating that the application is being reviewed. I will be reached out within 48 hours with futher instructions, with the application ID of XXXX. XX/XX/2019 -- I received an email from HSBC stating that the application is approved, but not able to complete the initial deposit. ( email 2 ) Application ID is still XXXX. XX/XX/2019 -- I received an email from HSBC stating the account has been approved, with additional details to sign up for online services with HSBC. Application ID is still XXXX. ( email 1 ) XX/XX/2019 -- I funded the Advance checking account with {$10000.00} from an external account of mine. XX/XX/2019 -- I transferred {$9900.00} from Advance checking account to my HSBC Direct Savings account. XXXX- XXXX. XXXX INTERNET BANKING. XXXX INTERNET BANKING. -- This transfer would still satisfy the " 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 ''. ++The combined account balance on my checking and savings has been over {$10000.00} and has not changed since XX/XX/2019. XX/XX/2019 -- I contacted HSBC via chat because I did not see the welcome bonus posted to the account. This was now 154 days after the account is opened. Account balance has been over {$10000.00} and has not changed since XX/XX/2019. I requested of the case to be reviewed for the welcome bonus of {$350.00}. The case ID XXXX. XX/XX/2019 -- Called HSBC to provided additional information, which is the application ID XXXX for further investigation. Through the whole conversation with an agent, she was not able to find the original application from her system. Then she further searched in other system, but couldn't locate the application with ID XXXX.
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Let, me start by asking you to review closed COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 HSBC is bank debt scam with no intention of activating the credit card they approved me for without I, 1st agreeing to pay an activation fee when speaking to their fraud division who makes it a habit of leaving customers on hold for an average of 5 hours before answering the call. This bank is phishing for business financial information with number 3. Number 1, is proof of address. Further more I will not again call or attempt do business with HSBC after being cursed out and remarks about my race being made. I applied for four different credit cards and was approved for all and can safely write HSBC is 100 % fake in every aspect of credit card activation, except fees & customer service does not exist. Please, tell HSBC to stop calling me as I have placed a security block with the credit reporting agencies to protect me from this type of bad banking practices. ( HSBC ) 1. Proof of Identification - acceptable forms of proof of identification are : a valid current Drivers License or passport. 2. Completed SSA89 Form ( attached ) The signature and date field must be handwritten for the document to be valid. Please include both pages when submitting back to us. 3. Proof of Address acceptable documents are : a. Utility bill from the last billing cycle b. Tuition bill c. SSA benefits letter d. An INS Notice of Action e. Letter from an Embassy or Consulate f. Mortgage statement g. Property tax bill h. College/University acceptance letter i. XXXX ( XXXX benefit acceptance letter ) j. Homeowners/Renters insurance bill/policy k. Account statement from a bank or brokerage, dated within the past three months l. Monthly statement of an established credit card from a major provider ( Visa/MasterCard/XXXX ) dated within the past three months. m. Lease Agreement n. Paystub.
Company Response:
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card from HSBC and was told I has to go through a process through the HSBC Fraud Operations Team, this is what they sent me. Dear XXXX, Thank you for your application. As we have informed you through the process, federal regulations and internal bank policies require us to obtain specific customer identification information. We want to make sure we gather the proper information so that you can start your HSBC relationship. during that time I was ask why I file a protection with the credit bureau and was ask when I filed it and why, I explain my purse was stolen and I filed a police report, in the process I had to get a new driver licenses, the company ask me to send a copy of my license and they will contact me in 48 hours of doing so, I never heard from them with in 7 days so I contact them and I was told they could not see the picture so resend it and I did and when I called them back they said the issue date on my license did not seem right. I believe they sent me through all this because of my color or race and then they sent me this letter. Dear XXXX, Thank you for applying for an HSBC Cash Rewards Mastercard credit card. Unfortunately, we are unable to approve your application, because we are unable to verify your identity. Please note, a credit check was not performed. why sent me through this and no check was done. I ask to speak to a supervisor and they said no supervisor is around to talk with so I ask who was in charge and I still was sent on a run around.
Company Response:
State: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I tried to wire {$290.00} from my HSBC checking account to an account in XXXX on XX/XX/2019. HSBC charged {$30.00} international wire fee on that same date. On XX/XX/XXXX, there was {$250.00} ( {$40.00} short of what I had sent ) returned to my account with the following notes : XXXX XXXX XXXX XXXX /BNF/RETURN OF YOUR PAYMENT REF XXXX XXXX VALUE XXXX FOR XXXX XXXXUSD AS ALL PYMTS DESTINED TOB /XXXX SHOULD BE RTN OR CNCL //IF THEY ARE NOT IN XXXX I called HSBC and was told they can not transfer money to that account. I had used the HSBC online transfer so if the transfer had to be specified in Pesos, that is not something their interface allowed me to do. When I asked for a refund of the fees ( $ XXXX {$40.00} ) I was told eventually by a supervisor named XXXX with ID XXXX that federal " Regulation E Subpart B does not allow HSBC to reverse fees on international wires. '' ( This is the culmination/summary of four calls and hours on hold. ) This was surprising to me so I asked the agent what this regulation is about. The agent did a XXXX search read portions of the regulation having to do with changing fees, and refunds. I looked through regulations myself and could not find anything relevant. I did ask for a pointer to something concrete, and the agent would neither send me anything ( not even via the HSBC messaging service ) nor put me in contact with anyone who could point to the relevant part of the regulation. His mantra was : you are not getting your money back. stop wasting your time. My complaint to them started with understanding why there were fees charged for services that they did not deliver and then a request for reversal of fees. However, at this point I am highly concerned t hat HSBC business practices include having agents inappropriately use consumer protection regulations to intimidate customers. I would like HSBC to reverse the fees but more importantly I would like an explain how federal regulation prevents HSBC from reversing a charge that they are choosing to impose on customers. My complaint number with HSBC is XXXX.
Company Response:
State: CA
Zip: 94040
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have HSBC Mastercard Credit card. I had already made the automated payment setup from XXXX XXXX account ending in XXXX more than a month back. Problem with HSBC : They are so weird and strange. Very different from regular/normal banks or credit card Website is so overwhelming or confusing - all the global products and everything in one place that very simple stuff like seeing the credit card statement and making the payment is absolutely impossible. I got the call from them during morning at XXXX XXXX from XXXX who was stating that minimum payment is not done and make the payment. When i asked - i am on website and how to do that ... she stated she doesn't know. When i asked when the automated payment is already setup then why it is not working? She said that XXXX XXXX takes 1-2 billing cycles to go into effect, which would be why you're not seeing it working yet. Essentially this company is involved in some massive fraud out here. They are deliberately not providing the very basic service of automated pay and delaying it in order to make the customer miss the payment and thus they will earn hefty fees and charges from the customer for the missed payments for which customer is not at all responsible. Please investigate this fraud HSBC and save US customers.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I work for ID Experts, an identity theft protection and repair service, and we are serving as Power of attorney for XXXX XXXX. I have sent disputes to HSBC on XX/XX/2019 and on XX/XX/2019 by mail to two different addresses. The disputes included all necessary documents. Power of attorney, FTC ID theft affidavit, copies of drivers license, social security card, proof of address, and police report. I have sent the same items to XXXX on XX/XX/2019 and XX/XX/2019, both times I was very specific in requesting the deletion of the HSBC account and inquiry as it is a result of identity theft. As of XX/XX/2019 the account remains on the XXXX credit report. This is a regularly occurring issue and both HSBC and XXXX are regular violators. In addition to this, when trying to call HSBC, I waited on hold for their fraud department for 89.8 minutes. I finally gave up and called their main customer service number and waited for an additional 43.5 minutes. The fax machine that was listed on their website does not go to a fax machine at all, it was a recorded greeting for HSBC so it is apparently a voice line. This number has since been removed from their website.
Company Response:
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My online banking account has been locked since XX/XX/2019 and after over 20 phone calls to HSBC, 5 non-responsive emails to their fraud prevention group, the issue has not been addressed. I have filed a formal complaint with HSBC on XX/XX/XXXX and they have not responded to my complaint nor addressed my issue. Since XXXX, I have not been able to log into my HSBC account and they also will not allow me to reset my password because they believe the account is fraudulent after I've had the account open since XX/XX/2019. I did not have any suspicious transactions into/out of the account but since it has been locked in XXXX, I am not able to close my account or access my funds. HSBC is literally the worst bank I have ever dealt with due to their poor customer service, lack of response, and lackluster compliance group
Company Response:
State: CA
Zip: 911XX
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A