Date Received: 2019-09-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My parents received a missed call and a left voice mail message today, XX/XX/XXXX from someone stating they were from " XXXX XXXX (? ) XXXX '' a mediation firm, asking to speak with " a gentleman by the name of ( my name ) '' then proceeded to list the last four of my social security number. They claimed a civil matter is pending and it's time sensitive and listed their number for direct contact. XXXX. I called the representative back and she claimed that XXXX XXXX is attempting to sue me for an account closed out in XXXX. I have not received any legitimate contact in regards to this account for years. The lady then told me they could settle for {$320.00} today and could make payments but I have to let her know by Friday, XX/XX/XXXX XXXX EDT or else it's getting pushed onto court. I asked for verification of the debt and she said they couldn't provide that information because all information is held by the XXXX XXXX for " litigation purposes. '' I searched the number and apparently this is a known number for attempting to fraudulently collect on old, already paid debts.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have requested of HSBC Bank USA, N.A. to support me with addressing the unauthorized debits made to my account for transactions that I have reported pertain to credit card fraud. I have collaborated with dedicating time to discuss with several parties, including, XXXX XXXX Customer Relations, VP ., the events that lead to my information being used without my knowledge. I do not have any responsibility for the debt as I have reported in the fraud claim, the Credit card was never recieved in the mail by me the account holder. This information is properly documented as the carrier disclosed that the card was delivered to a wrong address. The Executive team from the carrier's side stated that when they sent the XXXX driver who made the delivery to retrieve the card from where he confirmed to have delivered it, the same person who attended the door in the past denied to have received it. I have presented my concerns to HSBC Bank USA, N.A. executives on several occasions. It has been a prolonged time without an appropriate response and continuing to experience poor practice from the business that disregard my financial and business needs.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/2019 I received a text from HSBC asking was I trying to charge XXXX at a grocery store. I was not and texted no. I received a text back to contact the fraud department. I contacted them and the filed a fraud report. They person on the phone told me I would receive a form to complete in the mail. I received the fraud affidavit form and returned to to HSBC. I heard nothing back from HSBC. In XX/XX/XXXX I noticed my HSBC card had a balance on XXXX XXXX and contacted HSBC. My account had a XXXX balance. I never use this credit card. HSBC wrote me back and said the fraudulent charges had been removed and I was not responsible for them. I asked over the phone should I file a police report. I was told I should not. In XX/XX/XXXX I started getting collection calls from HSBC for the fraudulent charges. They referred me back to fraud department. I was told to file a police report and I did and gave them the report number. a month later I started receiving collection calls again. A few weeks later the HSBC collector refereed me to the fraud department and they requested a copy of the police report. I provided the report and they said I would hear from them in 10 days. That was XX/XX/XXXX. I have never gotten anything in writing about the fraud claim. After I spoke to collections I was told from that department that the fraud claim was denied. I asked the fraud department why the fraud claim was denied and why I had never gotten anything in writing as credit card companies are required. They did not answer my questions. All of the charges were made on the same I a received the text. I have never used this card in a store on online.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had this credit card with HSBC for some time now, which I very rarely use. Last I used this card in XXXX XXXX and charged {$110.00}. They stopped sending me monthly card statements. As I did not receive any statement since XX/XX/XXXX till now, I did not remember the balance amount. They sent me a collection notice in XX/XX/XXXX saying that I owe then {$79.00}. I called their customer service to ask why this is in collection and why I did not receive the statement. They mentioned that there was a returned statement so they stopped sending the statements. I paid the full amount and confirmed the address. They promised that they would start sending the statement. Again I did not get any statement, but received another collection notice, this time indicating that the balance I owe {$77.00}. I paid that on XX/XX/XXXX assuming that now I am paying the full amount. But again on XX/XX/XXXX they sent me another collection notice stating that this time I owe {$77.00}. I called them today and found out the total charge was {$110.00} in XXXX XXXX but as I did not pay I was charged interest and though the statement says I owe only {$77.00} I actually owe {$110.00}. I paid that amount fully today over the phone and asked them to close the account. My problem with HSBC is that they were not sending me the monthly statements and kept charging punitive interest. If one of my mail was returned ( I don't know why that will happen, as I this is my primary residence since XXXX and I get all my mail here ) why did not the back try to send me an email or tried to contact over phone. They have both my phone, and email on their file. Secondly, if they say they could not deliver the statement, how is it that they are able to mail me the collection notice at the same address, which I have received every time. With their not sending me the billing statement and keeping me in the dark, I had to pay a total of {$270.00} for a purchase of {$110.00}.
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2019-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2019 I was approved online for a credit card with HSBC Bank. On XX/XX/2019 I received two letters from HSBC. One without a date containing my new credit card with activate instructions. The other a dated letter from HSBC Bank USA, N.A., Fraud Prevention notifying me that they have have tried multiple times to reach me by telephone unsuccessful. A security block has been place on the account in question. When calling, please provide the reference number provided above. When I call any number provided by HSBC Bank it is almost always multiple hours of hours of holding on with my last call to fraud prevention department XX/XX/2019 took a fraud prevention specialist 5 hours to answer my call. Upon speaking with this representative I was informed that I would be receiving an email with instructions and to follow those instructions and submit the necessary documents in order to remove the temporary security block on my account. I submitted the necessary documents on XX/XX/2019 XXXX & again on XX/XX/2019 XXXX after discovering my account continues to be blocked by a security situation initiated by the HSBC security center without me making any complaint of fraud on my account to HSBC. XX/XX/2019 at XXXX a message is left at my contact number that I need to call them back again. Every communication ( Chat, phone, email ) I have had with HSBC results in representatives being liars providing false contact phone numbers and instructions on how to remove the security block without processing the documents submitted. I have recorded video/audio evidence all of my communications with HSBC and would love for somebody to examine it. Their is no excuse for any bank to create a high call volume by placing security blocks on newly opened accounts when most of the same information was submitted during the online application process that HSBC approved then denies to provide any service except not using my HSBC account by any means available to keep me uninformed. Do not open any account with HSBC as it's nothing but a never ending head ache with apparently one goal. Eating the client!
Company Response:
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Greetings, I am filing a complaint in regards to a faulty personal checking account suspension by HSBC, USA. On Friday, XX/XX/XXXX, my personal checking account was wrongfully suspended by HSBC for suspicious activity, preventing me from accessing funds or viewing my bank statements. As of Friday, XX/XX/XXXX, I have been unable access my personal funds or contact any member of HSBC 's account security department about unfreezing my account. I have reached out to HSBC 's costumer service multiple times over the phone ( often waiting on hold for multiple hours ), e-mail, and social media, but they have all been ineffective in putting me in contact with the correct department to resolve my issue. In all of my correspondence with HSBC costumer service, the bank has been hesitant to respond in writing via e-mail, Instead, opting to call over the phone, while offering no solution. I have likely identified what was the cause of the " suspicion '' -- a mobile check deposit that I have confirmed has cleared both banks -- but I am still unable to resolve my issue. This account freeze has forced me to move funds from investments to another checking account and may effect reimbursement for government travel. I have attached my e-mail correspondence with HSBC and will be happy to provide more details. My issue is very similar to the one described in the article linked below. https : XXXX? XXXX & XXXX & XXXX Thank you! XXXX XXXX
Company Response:
State: CA
Zip: 96003
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Problem when making payments
Subissue:
Consumer Complaint: HSBC was not allowing me to pay my loan over the phone. I tried several times but it failed. The automated system was telling me that my payment was submitted successfully but then he payment never should up and I was keeping on being charged interest for a full month extra. I tried over 5 times to make payments in that month but everything was failing. I was away on vacation so it was impossible for me to go into a branch and make a payment. After I filed a complaint requesting a refund for the interest charged as a result of the HSBC bank error I received the attached letter as a response. This was investigated by an HSBC Customer Relations Manager XXXX XXXX. The response is full of lies and inaccuracies. I have the following issues 1 ) HSBC is claiming that the payments were not successful due to missing information. I have a letter from HSBC confirming that the reason the payment did not go through was due to the fact that phone payments are not an option. And my payment needs to be submitted in branch. So it was NOT due to missing information ( see letter attached ). 2 ) The payment on XX/XX/XXXX was also not successful. I ended up making a payment in branch on XX/XX/19 for the amount of {$35000.00} ( See attached check ).
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Collector states they have to contact me about a non existant court appearance. Say the are collecting for HSBC card services. Debt was already paid to another creditor in XXXX. Even after talking to them they are harassing family and friends.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened an account with HSBC direct savings on or around XX/XX/2019. Application id # XXXX. I was told that additional verification was needed to determine my residential address. I was asked to submit a utility bill for verification of residential address. I submitted a copy of my electricity bill on XX/XX/2019 via email. When they got the bill they started making excuses that the bill was not right. Now they started questioning the balance on the bill but it was not anymore about showing " residential proof ''. I was told that because my bill had a balance that my application for a savings was being denied. I was surprised and confused at first. I did not know that because of my balance I could be denied and I was never told that a bill without a balance was needed. I mean who has utility bills pending and there is no balance or pending payment coming up? Is ridiculous. I am convinced that this bank HSBC found an excuse to deny my application without justification for the sole purpose of " DISCRIMINATION ''. I don't believe this bank and I think they are using racial profiling to discriminate about certain individuals based on race. I will provide a copy of my bill and there is nothing wrong with my utility bill except a balance coming up by the end of XXXX. After talking to XXXX over the phone on XX/XX/2019 at XXXX I was told that my application was being denied because there was a balance on my account and also a late payment fee on my bill. About 10 minutes later I got an email saying that my application was being denied because " they were not able to verify the address of the applicant ''. Just to cover themselves they sent this email explaining other reason for the denial. This whole process smells fishy to me and I don't trust this bank and I know they are not following proper rules but discriminating against XXXX applicants. Is just not a sufficient reason to deny my application because there was a balance. There is got to be a more serious reason and they don't have one to explain. In conclusion HSBC Direct Savings is a discriminatory branch against XXXX is my conclusion with no basis for denying my application. Is ok if they don't want my money but they have to have a valid reason and they don't have one. I have provided copies of correspondence on this complaint for evidence purpose.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I sent the following letter to HSBC and now I am requesting CFPB further assistance : This letter is to request a Removal of my Negative Standing with HSBC for my credit card ending in XXXX, specifically the returned check status. HSBC negligently flagged my account with a returned check status without performing proper due diligence. In early XXXX, I was offered a promotion of a 0 % APR for 12 months. In order to take advantage of historically low interest rates, I made an attempt to exercise this offer by first paying off my current balance. A customer service representative notified me that my current balance was {$340.00} so I made the respective payment on XX/XX/2019. However, I quickly realized that this amount was incorrect & I immediately called my bank and cancelled this payment and re-issued the correct payment amount of {$380.00} ( see attachment ). I made this correction because I was misinformed by HSBC & as a result, my credit profile shouldnt be affected with a non-payment status. I was declined a credit limit increase due to the returned check status but I made significant amount of attempts to resolve this issue with HSBC. However, no one from customer service made efforts to research this mistake and flaw in the system and resolve this matter. Enclosures : 1. Copy of letter from HSBC denying me credit due to non-payment. I have sent a copy of this letter to the Consumer Financial Protection Bureau & have requested their assistance with this matter as I have exhausted all of my resources as a customer. I am requesting that HSBC remove the returned checks status from my account ending XXXX so that we can proceed with a credit limit increase as my XXXX score is significantly high. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response:
State: CA
Zip: 94087
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A