Date Received: 2019-08-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I applied for an advanced checking account at HSBC US for {$350.00} bonus on XX/XX/2019. After approval, they told me by email to set up a device for more security. I did that on my old phone. I bought a new phone on XX/XX/XXXX and tried to migrate from the old phone, but there is something wrong with the bank 's app ( I need to enter some number from the old device to the new device, but after I did that the app on the new device had no response ). I tried several times and on XX/XX/XXXX they told me to call them since they thought there was fraudulent behavior on my account. I did that, and they told me my phone number is not on their file so they can't identify my identity through text so I need to go to an HSBC branch ( asked them several times if there is any other approaches but none ). They sent me about 10 security codes while I was applying for the card, so I don't really know what they mean by my phone number is not on file. I live in XXXX and the closest HSBC bank is in Washington. I really regret my decision for opening an account at HSBXXXX for the {$350.00} ( I wired {$10000.00} to the banking account for the bonus ) and hope that they can give me the access of the account back.
Company Response:
State: PA
Zip: 15213
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I signed up for this card in XX/XX/2018 and have had problems with it since. They have charged me excess fees due to an error in their system with my autopay. When I opened the card, I signed up to have my minimum payment taken out of my checking account. I apparently entered my account number incorrectly on that first attempt and have called the bank multiple times to get it updated so that it can be paid timely and fully. The bank closed my account because it went 2 months delinquent without notifying me. I have called the bank no less than ten times asking them to update my autopay account because I can't do it now that my account is closed. They keep " paying '' the bill with the wrong checking account information and then charging me a returned check fee. I don't know what to do any more because I have made an honest attempt to pay off the balance, but they keep using known bad autopay information which continues to rack up fees. Additionally, I moved in the middle of the process and they refuse to update my mailing address so the notifications are going to my old address and are not making it to me to make a timely resolution. All of the statements that I have received have a note saying that no payment is necessary because I am set up on autopay, but then they use the wrong account. I can't keep dealing with the bank directly because I am getting nowhere.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I WAS CONTACTED BY XXXX XXXX ABOUT AN ASTOUNDING DEBT FROM AN HSBC CREDIT CARD. I WAS THREATENED WITH GARNISHMENT AND ADVERSE REPORTING TO THE CREDIT BUREAU. XXXX XXXX ALSO INFORMED ME THEY HAD SPOKEN TO MY BANKRUPTCY ATTORNEY AND VERIFIED THAT THE CREDIT CARD IN QUESTION WAS NOT INCLUDED IN MY BANKCUPTCY. NEXT, XXXX XXXX INFORMED THAT BY OPENING THE HSBC ACCOUNT, WHAT I HAD DONE WAS ILLEGAL AND MY BANKRUPTCY WOULD BE VOIDED UNLESS I PAID THE THE {$600.00} PLUS DOLLARS THEY SAY I OWE. I CONTACTED HSBC AND VERIFIED THAT I DO NOT HAVE ANY OUTSTANDING ACCOUNTS WITH THEM AND XXXX XXXX WAS PROBABLY TRYING TO SCAM ME.
Company Response:
State: OK
Zip: 74804
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My credit card was compromised on XX/XX/2019 when I was travelling to XXXX. On that day, there were three fraudulent charges on my card. First, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the amount of {$920.00}, yet this charge didn't get through as I received the alert email from the bank. Second, I got two charges from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX with the amounts of {$860.00} and {$43.00}. I call HSBC to reserve these two unauthorized charges but my claim was denied.
Company Response:
State: CT
Zip: 06604
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-10
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: HSBC decided that all customers would be forced into taking electronic statements. There was no warning period. They just stopped. I received no emails that a bill was due. Nor did I opt in for electronic billing. My account went into non payment and late fees began occurring. Then they tell me they refuse to remove the fees. They tell me that its all my fault. I request to place the account in dispute, over late fees. They put the account in fraud mode and immediately closed it. I have contacted them multiple times and continue to be ignored. I have not received a bill in several months and do not agree with the charges, but Hsbc is doing nothing to remedy the problem. How is this legal?
Company Response:
State: NY
Zip: 14072
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Spam junk mail - I have opted out
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Received a voice mail from XXXX on XX/XX/19 stating I had pending debt in their office and it was best interest for me or my attorney to contact them at XXXX. Called on XX/XX/19 and I spoke with XXXX XXXX I emailed her proof I no longer owe this debt and it was paid and she is still calling stating I do. Also, having this robo call as stated above calling my kids, husband, in-laws.
Company Response:
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: My online checking account at HSBC USA was fraudulently accessed ( hacked ). After getting access to my US account, the hacker was able to access my linked accounts in XXXX where I was living at the time. They transferred approximately {$30000.00} to the US accounts, and then attempted a transfer to another account. I notified HSBC USA of the fraud, and they were able to reverse the US transfer. However, I was charged about {$500.00} USD in currency exchange fees, which HSBC refused to reverse -- in fact, they didn't seem to even understand foreign exchange. In effect, HSBC USA profited from this criminal activity. It also took several weeks just to get my funds released, leaving me in XXXX with no money available. While I pursued the matter with every HSBC representative I could I reached a dead end and gave up.
Company Response:
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Please allow me to respond to XXXX XXXX XXXX, XXXX ( XXXX ) XX/XX/XXXX response to CFPB ( XXXX ) and Beneficials ( HSBC ) XX/XX/XXXX response to CFPB ( XXXX ), as well as XXXX XX/XX/XXXX response to XXXX XXXX of the New York State Department of Financial Services . As the following will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC and XXXX continued and past unscrupulous actions. First, XXXX states, XXXX currently has the authority to process Assignment of Mortgage ( AOM ). XXXX is confident our processing of any AOMs is valid and compliant, and we find no merit to the claim of fraudulent AOMs. I disagree. Since XXXX failed to provide me a copy of the AOM, I obtained a copy myself. It lists XXXX as the assignor as Attorney In Fact for Beneficial Homeowner Service XXXX, yet no written power of attorney from Beneficial to XXXX is attached to the AOM. Does one exist? Has HSBC given XXXX Power of Attorney? The AOM was prepared and submitted by XXXX XXXX XXXX, not XXXX. XXXX XXXX XXXX is located in XXXX XXXX, MO and XXXX is located in XXXX XXXX XXXX, UT. How does that Notary process work? Did the Notary in UT fly to MO to notarize the document prior to XXXX XXXX XXXX submitting via simplifile? The Assignee is listed as Beneficial Homeowner Service Corporation, as indenture trustee, for the holders of the XXXX XXXX XXXX, yet the allonge to the note provided in XXXX response is XXXX XXXX XXXX XXXX. What about XXXX Validation of Debt Notice correspondence dated XX/XX/XXXX, stating XXXX was collecting debt on behalf of XXXX XXXX XXXX, the investor who currently owns your mortgage loan. Additionally, HSBC states they sold the loan to XXXX XXXX XXXX on numerous occasions, yet no documentation has been provided substantiating these transactions. The AOM states, For value received, the Assignor does hereby grant, sell, assign, transfer and convey, unto the above-named Assignee all interest under that certain Mortgage Dated XX/XX/XXXX, in the amount of {$32000.00}, executed by XXXX XXXX XXXX AND XXXX XXXX XXXX, Husband AND Wife to Beneficial Homeowner Service Corporation and Recorded XX/XX/XXXX, instrument # XXXX in XXXX XXXX, State of New York. It also contains the property address as XXXX XXXX, XXXX, NY XXXX and absolutely no legal description of the alleged security interest. My review of said recorded mortgage indicates the mortgage has an address of XXXX XXXX XXXX, XXXX NY XXXX in the amount of {$32000.00}, which are both inconsistent with the AOM XXXX allegedly legally recorded. It is my opinion, XXXX did not record the legal description because, as they have been informed, they know it neither matches the note or the mortgage making it void. However, in true XXXX fashion, they continue to misrepresent the facts in order to deceive and/or manipulate all interested parties to their benefit. They continue their Ponzi scheme in order to defraud the American public. Both the AOM and Allonge to the note is signed by XXXX XXXX, Document Control Officer. I am uncertain if this is a real individual or not. Secondly, XXXX states, Please be advised XXXX has requested all recorded assignments, and they will be sent under a separate cover. Ive never received, nor do I believe they even exist. Thirdly, XXXX states in its correspondence to the New York State Department of Financial Services, In the inquiry, Mr. XXXX requested an update on the foreclosure process on the account. Due to the status of the account, we will not be pursuing foreclosure. What is the status of the account then? Why does XXXX continue to send mortgage statements? Why has XXXX not filed a valid probate claim against the estate of XXXX XXXX XXXX? I surmise it is because there is no valid account, valid mortgage, or valid note. Additionally, this seems to be contrary to previous documentation I have received including a XX/XX/XXXX Mortgage Statement that states, XXXX has referred your account to an attorney for legal action. Fourthly, XXXX states in its response to the New York State Department of Financial Services regarding property inspections, There may be occasions when more than one inspection is required, such as when an account is delinquent with limited customer contact. Its remarkably ironic, XXXX stopped inspections, forced placed insurance and sent notice of closure of an escrow account shortly after my complaint being filed. However, this does not negate the past fraudulent inspections, BPOs, forced placed insurance and misc. fees erroneously charged to the alleged account during the time preceding this complaint for a property they have no security interest or standing to enforce. Lastly, it is evident both HSBC and XXXX continue conspire to defraud and prey on unaware private citizens as well as state and local governments/officials and continue to go unchecked or held accountable. My attachments provide my evidentiary documentation, and as the Fiduciary for the Estate of XXXX XXXX XXXX, I continue to dispute and reject any claims from HSBC or XXXX and affiliates. PS : CFPB website would not accept attachments, therefore, they have been sent to interested parties under separate cover.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: HSBC Bait and Switch Operations This spring I received in the mail a solicitation from HSBC Bank to open an account online called an Advance Checking account. I called the information number on the solicitation to ask some questions I had. At that time I was also encouraged to open a Direct Savings account online that paid 2.3 % interest using the bulk of the money I initially put into Advance Checking. I went online in XX/XX/XXXX using the code number for a bonus that came with the mail solicitation. After providing all the requested information on the designated HSBC website, it rejected the application. An auto-generated email to me said my identity couldn't be verified. I had provided my valid New York State Driver 's License information and my own phone number, address, SSN, etc. I called their phone numbers for help, and after much time on the phone I was advised to try again. They could not tell me what exactly the problem was. I was also advised over the phone that after opening the account, I could open the online Direct Savings account paying 2.3 % interest and transfer most of the money to that account. After another failed attempt to open the account online, with the same result, I called back and was advised to go to a branch to open the account. This I did. I went to the branch at XXXX XXXX XXXX ( XXXX XXXX, NY XXXX ) and presented the coupon that came in the mail, which the bank officer took. At the branch, I was advised by the bank officer that they had a 5-month 2.3 % CD I could shift most of the money into once I funded the Advance Checking account. This was at the end of XX/XX/XXXX. A few days later I sent {$10000.00} to my new HSBC account ( # XXXX ) by ACH transfer from another bank. I then went back online to open the 2.3 % online savings account. After completing the application, it was refused. Once again, the emailed reason was could not verify identity- even though I now had an account at HSBC . I called their " help '' number, was given another number to call, and after taking my information and supposedly doing something to fix the issue, this person said to try again in 24 hours. I did that, and once again was refused- " unable to verify identity. '' I emailed the branch officer who opened the Advance Checking account and asked if she could do a transfer into the CD we'd discussed. She did not reply. Instead another officer responded, I presume the branch manager, and said it had to be new funds, which of course was NOT what the first officer had said. Then I asked if they could open the 2.3 % savings account, and was told No, that's online only. As the bank had my verified identity in its possession after I had opened the Advance Checking account, it was invalid to refuse to allow me to open the Direct Savings account on grounds of non-verification of identity. I am entitled to interest from the date I attempted to open the account in XX/XX/XXXX. As of now, this is the response from HSBC : I raised two issues in my complaint against HSBC Bank. One issue was completely ignored by HSBC bank in its response, and remains unaddressed, and the other issue was responded to with false information and misdirection. There was no explanation or even a reference to why HSBC blocked me from opening the online Direct Savings account with the automated claim " could not verify identity '' even AFTER I ALREADY HAD AN ACCOUNT with the bank! Their " customer service '' dept. just said try again in 24 hours, after supposedly making a fix. Same thing happened. This account was offered as a teaser over the phone to induce me to open the checking account. To avoid fees I have to lock up {$10000.00} for 6 months. As to the matter of the CD offered at the branch, I did NOT request it on XX/XX/XXXX, but on XX/XX/XXXX, as my dated email proves. And this business of missing an imaginary deadline of XX/XX/XXXX by a day for the money I had on deposit to be considered " new '' is spurious. No officer at the branch said anything about a deadline. And the only mention of " new '' money came later from the branch manager, who emailed that " new '' money was required for a CD. Again, nothing about missing an imaginary " deadline. '' I did some online research on HSBC and was shocked to discover a history of major criminality, as described in the following government announcements and news accounts : " HSBC Holdings Plc. and HSBC Bank USA N.A. Admit to Anti-Money Laundering and Sanctions Violations, Forfeit {$1.00} XXXX in Deferred Prosecution Agreement '' https : //www.justice.govXX/XX/XXXX" HSBC Bank Executives Face Charges in {$3.00} XXXX Currency Case '' - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " Investigation into Bank Uncovers Criminal Activity Dating Back to the XX/XX/XXXXs- Bank Violated U.S. Sanctions by Moving Hundreds of Millions of Dollars through the U.S. for XXXX, XXXX , XXXX , XXXX , and Other Sanctioned Clients- District Attorney XXXX Announces {$370.00} XXXX Settlement with HSBC Bank-XX/XX/XXXX . XXXX : XXXX HSBC Money-Laundering Case Yields {$110.00} XXXX Bounty for XXXX XXXX XXXX Updated XX/XX/XXXXhttp : XXXX Major criminal activity " dating back to the XX/XX/XXXXs! '' It would seem that this institution hasn't learned its lesson and needs to be kept under strict supervision.
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A