Date Received: 2023-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received two phone calls from XXXX. The first call left a message stating they were a debt collection agency and that a complaint had been filed against me for non-payment on a Mastercard account. They stated I should press # 1 to speak with one of their agents to try and avoid having papers served on me. I wasn't home at the time and they didn't leave a callback number. This call happened on XX/XX/XXXX. I received the second call today, XX/XX/XXXX. The caller named himself XXXX XXXX and said he was a private carrier and would be serving me sealed court documents either at my workplace or home address. He knew my full name and the last four digits of my social security number. He also said if I wanted to resolve this matter, I should call the above number and speak with one of their mediators which I did. I spoke with the original caller and learned this was an unpaid debt of {$3100.00} on a Mastercharge card issued in XXXX and was closed in XXXX. It was issued thru XXXX XXXX XXXX which is now HSBC Bank. Right off I knew this wasn't my account because it wasn't the correct number on my card and I had only used my card once to make a small purchase. This person said they would be willing to settle the debt for XXXX the amount. I politely declined and hung up. I then called XXXX XXXX XXXX and learned that they were now HSBC Bank. I explained what was going on, and gave them my name, social security number, and the last four digits of the Mastercharge card number I supposedly owed money to. They could not find anything that I owed on this card or even a record of this card. So, a scam?
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My complaint id XXXX to HSBC.hk money laundry with XXXX is not processed until now XXXX, I pay my lawyer fee to XXXX XXXX XXXX XXXX, he promise to setup a virtual meeting for XXXX XXXX and XXXX with XXXX and not valid until now. XXXX XXXX have a XXXX XXXX no money to live and get medical treatment. I suspect XXXX XXXX and XXXX try to delay the virtual meeting to let XXXX XXXX XXXX, so they can get rid of me easy. I have to report this. XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have been trying to open a checking account with HSBC for a number of weeks now. Each time I do so, the account opening is declined. They state it is due to wrong information from the Credit Bureaus and that I need to resolve with them. I have attempted to open the account with HSBC 5 times, the last application ID is XXXX. Complaint 1 : HSBC originally told me that I had to contact XXXX, XXXX and XXXX, and they didn't use XXXX, even after me querying this. After the 5th application, I was told I also had to reach out to XXXX. Inconsistent information given by the customer service agents about which Credit Bureaus they use and which ones to speak to. Complaint 2 : HSBC 's terms and conditions allow them to enter and exit a relationship with their customer at any time. I asked the latest customer service agent on XX/XX/19 to point me to this online and he couldn't. He just read it to me. I believe he used this as the reason to not provide any more information on the exact nature of what was wrong and gave me an address to write to. I do not believe it is acceptable that a bank does not give an immediate way to understand the personal data that they are collecting about me, either through my application or through 3rd parties. Complaint 3 : I have been attempting to resolve any discrepancy with my personal information with the Credit Bureaus. I have been having significant problems with XXXX, particularly with different information given by different agents. Examples with XXXX : -I was told that I had to resolve the following notice on my credit report : " The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration . '' I went to my local SSA office and they told me that the date was fine. When I phoned XXXX again, they said that message is on every person 's report if they received a SSN after a given date. Hence, I wasted 3 hours in the SSA office based on wrong information. -I raised a dispute on XX/XX/XXXX to remove an address that was wrong, which was resolved successfully. However, on XX/XX/XXXX, I called XXXX again and I was told that the same address I removed was still visible on their report. I called the dispute team on XX/XX/XXXX to be told that it wasn't there and the representative must have made a mistake, which is difficult to believe considering it was the exact same address I had removed previously. Additionally, on the same call, I was querying why the XXXX credit report that I had generated via the " 3 Credit Bureau Report '' product on XXXX showed my date of birth from XXXX wrongly. I also wanted to query why the XXXX credit report that I had generated from XXXX had the wrong address. The XXXX agent went on to lecture me with some very poor analogy that they don't have any control over what 3rd parties present for my data, even though they claim it comes from XXXX. He said that he could prove what data they hold by sending me a copy of my credit report. While I acknowledged that what appears to be on my credit report may be correct, it was technically possible that the data pulled electronically via 3rd parties may be from a data source. I told the agent that the 3rd parties stated that they didn't own the data, that XXXX does, and they have no way to change it and all disputes had to be raised with XXXX. The agent proceeds to lecture me with the analogy, the time he has given up for me - 25mins vs 6mins that a customer should receive - and that there was nothing for him to do. I think this approach shocking. No one is able to take ownership of the data quality issues, and I shouldn't be lectured about the time of a call, especially when I am stuck trying to resolve an issue that hasn't been addressed. He also alluded that XXXX could be a scam.
Company Response:
State: TX
Zip: 78739
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I purchased an XXXX in XXXX with a loan from HSBC BANK XXXX XXXX Sometime in XXXX or XXXX, I paid off the loan and placed the ATV on non-op with the XXXX DMV. Recently I have fixed the XXXX and went to register it to find that I still have a lien on the title from HSBC BANK XXXX XXXX. The DMV said that I will need a lien release from HSBC BANK XXXX XXXX. Below is a summary of the times I reached out to HSBC USA ( took over HSBC BANK XXXX XXXX ) and the outcomes. XX/XX/XXXX : Called HSBC USA and was given an email address ( XXXX ) to send details regarding my request. I sent a .jpg image of the vehicle registration to the email address and asked for them to look into the title / lien release. I was told I should have a response within 4 to 5 days. XX/XX/XXXX : Follow up email sent asking for an update. XX/XX/XXXX : Called HSBC again to follow up and was given a timeframe for response of 7 to 10 days, which has elapsed as well. XX/XX/XXXX : First response from XXXX ( XXXX XXXX XXXX ) saying they could not open the attachment and to send them : Registered owners name, Year, Make and model, VIN and Requestor name and Mailing address to send the lien release to. I responded with all the requested information that day. XX/XX/XXXX : Email from XXXX ( no person named ) asking for Registered owners name, Year, Make and model, VIN and Requestor name and Mailing address to send the lien release to ( again ). The reply had the original picture of the registration in the body of the email, which has all of the requested information as well. I replied back that day saying this is the 3rd time I am now sending them the information but again, give them all of the details they are requesting. XX/XX/XXXX : Email from XXXX ( XXXX XXXX ) asking for Registered owners name, Year, Make and model, VIN and Requestor name and Mailing address to send the lien release to ( again ). I reply that day stating this is now the 4th time sending the information but yet again, send the details in the body of the email. I get a response from XXXX XXXX XXXX stating : " We are sorting all No interest letter request from XX/XX/XXXX to XX/XX/XXXX. If you send multiple request during this period. Youll be receiving responses for all the emails you send especially if details provided are not complete. '' This email showed all of the details I had sent them early in the day with all of the information they were requesting ( Registered owners name, Year, Make and model, VIN and Requestor name and Mailing address ). I replied with " I am not sure what that all means but can you now confirm you have all of the details you need? As I mentioned, I have sent all of the information 4 times now. I did not reach out till XX/XX/XXXX originally with this information, then again on XX/XX/XXXX, followed by the same request on XX/XX/XXXX and yet again this morning. '' XX/XX/XXXX : I called HSBC USA to follow up on this matter. I was on the phone with them for an hour and ended up talking to a virtual assistant in another country who was chatting with XXXX XXXX XXXX about all of the emails she or no one else had looked at where I provided all of the requested information. XXXX then replies to my email with " I have responded to the representative you speak with last time. Please see attached email and request. '' Although, nothing was attached to the email. After speaking to a manger of the call center, we finally got XXXX to figure out how to attach a letter to an email ( attached ). I took the letter to the DMV and was told it will work if it is notarized and an original is submitted. XX/XX/XXXX : Sent email to XXXX stating that the DMV needs a notarized document and that the year of the vehicle was wrong ( XXXX instead of XXXX ). I received a reply from XXXX XXXX XXXX stating " Our No interest letter does not require signature or notarization. '' I took this to the DMV and was given form REG 166 and told that HSBC will need to fill out, notarize and send me the original document. I pre-filled out REG 166 with my information and the vehicle information and sent it to XXXX. 2 hours later, I receive an email from XXXX ( XXXX XXXX ) stating : " HSBC is required by law to retain account records for 7-years. I understand your concerns were addressed with our Customer Service team on XX/XX/XXXX. Enclosed is a copy of the letter sent to you on XX/XX/XXXX in response to your request for a lien release. Im sorry for any inconvenience you may have experienced. Since there is no record of bank error, we respectfully decline your request for compensation. '' I replied : " My concerns have not been addressed and I am not sure exactly what prompted your email as I sent the below message to your titles team 2 hours ago. No letter was sent to me on XX/XX/XXXX, rather this letter was pre-dated, the titles team doesnt know how to attach a file to an email or you have the wrong information. It is my understanding that HSBC US and HSBC BANK XXXX XXXX are one of the same origination at this point and HSBC BANK XXXX XXXX is still a lien holder on my title. I continue to be talked to and sent messages that are only circular arguments that make no sense. The DMV will only accept a notarized document ; your no interest letter may not require notarization but the DMV has their own, which coincidently, needs to be notarized. Please see attached for REG 166 ( that I have pre-filed with the correct vehicle information ), fill out section 3 on behalf of HSBC BK XXXX XXXX have the form notarized and mail me the original. If you can not view the pdf attachment, you can find the form here : XXXX XXXX XXXX '' I am getting nowhere with this and need someone above HSBC and their internal teams to get a resolution here. At this point I feel that HSBC is abusing their power over the situation to the point of harassment ( a behavior which is intended to trouble or annoy someone, for example repeated attacks on them or attempts to cause them problems ) and insanity ( doing the same thing over and over and expecting different results ). Along with all of the email exchanges, I have had multiple phone calls ( that all went nowhere ) and made multiple trips to the DMV to try to get this taken care of. I am not sure what else I can do as XXXX DMV is requiring a notarized document and HSBC is refusing to release the title or notarize the document.
Company Response:
State: CA
Zip: 93662
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
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: I opened a dispute for XXXX $ in XXXX. for two months the dispute team did nothing. finally they gave a temporary credit and contacted the merchant. today I received a letter stating merchant has responded and the charge is valid. XXXX provided no documentation to support their decision. There is no way to contact the dispute team or reopen the dispute. the letter do not say how I can re-open or challenge the dispute. I called customer service and they said they can not help me with the dispute, that I need to respond to them directly. how will I respond to them, if I can not contact the dispute team.
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have had an account with HSBC for many years. I am a premier customer. For some reason, in the last few weeks, I have not been able to log into my US Hsbc account. It says to call the company.. I have done this and I spoke with many people. They all told me they don't know what the problem is and that someone would call me back about this. However, no one has called me back. I need to access my account in order to transfer some money. Can you help?
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I originally had a loan for my purchase of my XXXX XXXX XXXX from a different finance company which eventually was changed over to Beneficial. Beneficial closed down here in XXXX my car had been repoed twice. I originally got it in XXXX the summer of possibly XXXX. I put {$2000.00} down. It was a {$10000.00} and some vehicle. A payment made to Beneficial was never documented on their records which I do have a record of. However, I have to go back to my records and find I have a receipt from them but it was not on their printout and maybe that is why they thought I was behind. Anyway, how do I owe {$10000.00} when originally the loan was for a {$10000.00} vehicle and I had been paying since XXXX it was picked up I believe XX/XX/XXXX or XXXX? I asked XXXX XXXX to look into and get original records they just told me they verified the information and it was accurate. Yeah if you are ripping off people it is. Thank you XXXX XXXX
Company Response:
State: CA
Zip: 93306
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On Friday XX/XX/XXXX, I tried to use my HSBC Credit Card and it did not work. When I called to understand whats going on the Fraud Prevention Team hold me in the phone for XXXX hours! and finally a supervisor whose name was XXXX told me that since I do not have a checking account with HSBC, they decided to close my account. Then I opened a checking account and a savings account immediately and got an appointment from your local branch to open a brokerage account to bank with HSBC. My credit card was reinstated immediately and I was able to make a purchase. Then, yesterday on XX/XX/XXXX, someone else with a very limited XXXX called me and told me that he decided to close my account. He hang up the phone on me. Rudest agent evet. My account was already reinstated after opening all the required checking/savings accounts and talking to the initial supervisor. But yesterday, the other agent maybe was not aware of our progress and made a mistake. At this point, I did not do anything wrong and did all the required things bank asked me. Please reinstate my credit card. Thanks
Company Response:
State: FL
Zip: 33446
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Received a call on XX/XX/2023 from XXXX and XXXX from phone number XXXX about a debt on a Compass Gold card through HSBC, which I've never even had. The man threatened to sue me if I didn't pay it. I stated again that I never had a Compass Gold card. He got mad and hung up. I called back and a woman answered. She immediately got aggressive and yelled at me that they were going to sue me. I told her to go ahead and sue me then, because I am not paying a debt that isn't mine. She continued to yell at me for another XXXX seconds or so before hanging up. I tried calling back several times to get some answers as to why they were harassing me. It appeared that my number was then blocked at that point, as it would not ring through and immediately disconnected every time I tried to call.
Company Response:
State: TX
Zip: 76201
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I purchased a XXXX XXXX scooter through a dealer back in XXXX on credit through XXXX. Paid it off shortly after. Recently realized I never got a title and was informed by the XXXX in XXXX California that it has a paperless title with a XXXX listed still from XXXX. I have called at least 6 times and usually given their XXXX email address. I have sent around 6 emails over the last several weeks and received no response. With it being a paperless title I can only get it removed by XXXX electronically and have no other recourse. I can not sell it until this is resolved. I just want acceptable customer service. Thank XXXX XXXX
Company Response:
State: CA
Zip: 95973
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A