Date Received: 2019-08-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had Fraud on my HSBC checking account. Several unauthorized ATM transactions were made on my account using my PIN. Now, prior to that, I had received several phone calls from people claiming to have been HSBC. I'm a XXXX veteran receiving XXXX compensation from VA. Literally the day, my VA XXXX check which was being direct deposited into HSBC, hit, just under {$600.00} of unauthorized ATM transactions hit my account. When I brought it to the banks attention, they stated that the transactions, however fraudulent, still put me over the daily ATM withdrawal limit for my relationship w them. I temporarily did not have access to my money, as it was past normal business hours for me to be able to go to a teller. I was ultimately able to go to the tellers the next day and use my other bank accounts/ credit card for transactions. But I feel like my accounts were spied on by the fraudster, as they knew exactly when my money hit this account, as well as I was told by the bank I was unable to access my money, fraud or not. I think HSBC, has an inability to safeguard their " Premier '' account holders information and do not recommend banking with them in the United States.
Company Response:
State: NY
Zip: 11791
Submitted Via: Web
Date Sent: 2019-08-08
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: Created an account via online systems ( dates not important, but occurred ~end of XX/XX/XXXX). Provided all information, identifying numbers ( dl #, etc ), and account was successfully opened. Since then, their fraud department has been contacting me via unsecured methods to request a copy of my Id - what seemed to be an obvious phishing attempt was actually their fraud department. They also claim to be unable to send the request via their online banking secure messaging. I've confirmed that these are actually valid requests through separate channels ( website chat, main banking contact numbers ), and not a phishing attempt.
Company Response:
State: WA
Zip: 98058
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Received original call from XXXX, left a recorded voice mail. I returned call and Spoke with a Mrs. XXXX stating she was from XXXX XXXX XXXX, XXXX and that I owed a debt from XX/XX/XXXX in the amount of {$940.00} and that I had stopped making payments in XX/XX/XXXX sometime. She asked for personal identification information and then asked if I recalled why I stopped making payments in XX/XX/XXXXand I stated that I did not because that was 7 years ago. She then begin to yell, demand and threaten that since I did not recall any of this they would go ahead and turn it over to the court systems and that I should receive a notification of my court date. I had to yell over her to explain that I she needed to provide me with some written proof of this debt and that I would verify it and then get in touch with her or the company to make arrangements. After a few minutes of yelling back and forth, she calmed down and said that she would have to make a request for someone to send me a copy of the letter that was sent to my address ( which I lived at 10-12 years ago ) and demanding that I call her and only her back that same day as soon as I received the letter in the email. Once I received the letter, It had a different phone number than she called me from and than what she gave me to call her back on. The website address is also not valid, because the entire web page is in XXXX. The address provided on the letter head is also the address of a XXXX Store in XXXX Georgia, but she originally called me from a Mississippi local number. I have not returned her call or made any payment arrangements as I am afraid this is a scam.
Company Response:
State: MS
Zip: 39402
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a call form XXXX XXXX regarding a HSBC credit card they allege I had. This is the second company, also based in GA, claiming I had an HSBC card that I defaulted on. The initial call came from a company called XXXX XXXX XXXX. I have never recieved any letters or notices from them. I was called by this company ( XXXX XXXX XXXX ) on XX/XX/XXXX at my place of employment, they left a rbo-call message with my name requesting a call back. I called them back and when I asked for their contact information, the representative hung up the phone. I called back several times and was hung up on. Later in the same day, I called a spoke to another woman who stated that I could pay them now or I could talk to the judge about it. She claimed that I owed {$770.00} and my last payment I made was in XXXX. I do not now, nor have I had in at least 15 yeas, an HSBC credit card. Literally. In AZ, the statute of limitation on credit card debt is 6 years. She emailed a letter to me, it has no information other than what I have stated. The letter claimed to be from " XXXX XXXX XXXX XXXX '' misspelled XXXX. Anyway, today I get a call from a place called XXXX XXXX, also based out of GA. She said that I now owe {$2700.00} and that I could pay or go to court. I asked when my last payment was made, she says XXXX. These people are scammers. I am ill, I have major XXXX XXXXr, XXXX and other mental XXXX that is probably killing me. These people are harrassing me and it needs to stop.
Company Response:
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: HSBC : Account manipulation. They're running a promotion for {$750.00} " Welcome Deposit ''. To receive it the customer must make " Direct Deposits totaling at least {$5000.00} into your checking account for 3 consecutive calendar months from the second full calendar month after account opening. '' I applied to open the account on XX/XX/2019. They sat on their hands contriving excuses to delay the opening for two weeks until it was XX/XX/2019 so I wouldn't be eligible to start fufiling the requirements until XX/XX/2019. In the interim, I would've had to have kept a minimum {$75000.00} balance at all times to dodge the $ XXXX/mo maintenance fee. Completely deceptive, manipulative ripoff.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On the evening of XX/XX/2019 my credit and debit cards were stolen from my wallet out of the locked locker at my local gym. I realized this on my way home when I began receiving fraud alerts on my phone from the various card companies. I answered each fraud alert and cancelled the cards one by one. The thief managed to charge almost {$5000.00} worth of merchandise on one card, which the card company ( XXXX ) quickly rectified. My XXXX credit card, XXXX XXXX XXXX debit card and HSBC debit card were all used or attempted to be used. XXXX and XXXX XXXX XXXX quickly wiped out any fraudulent charges. I made a police report at the XXXX XXXX in XXXX County on the morning of XX/XX/XXXX. HSBC, despite sending me fraud alerts that something was amiss, cleared one charge, but not another transacted at the very same time for {$510.00}. I filed their Fraud Claim Report with them by mail as requested. They claimed they did not receive it. I then faxed it to the number given to me by one of the representatives in their Security & Fraud Risk Department, along with the evidence I will attach here. Repeated calls to the Fraud Department have been met with the same questions regarding the incident and promises to address the charge within 48 hours. I have also included an online chat with a representative who promises the funds would be duly credited. The risk officer assigned to my case is named XXXX XXXX at XXXX. Apparently it was this person who claimed the charge was authorized when it clearly was not. I have repeatedly requested a call back from Mr. XXXX. I have yet to receive one a month after the incident, and my account is still debited.
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I opened a checking account with HSBC, I was told by phone the account needed to remain open for 120 to avoid early closure fees. I complied and then after the 120 days I called again to close the account. Conversation went well I was told the account was closed and I would be receiving confirmation in the mail. Never received anything and the account remained open. I did not want to acquire monthly maintenance fees which is why I was closing the account. Contacted the bank again and now they state the closure never processed and I would be charged a {$25.00} early closure fee. I stated that per my previous two conversation with their representatives it was 120 days and the account should already be closed. Bank will not close my account without the fee and now I will be getting a monthly maintenance fee on top of all of this due to the account remaining open without my knowledge.
Company Response:
State: NE
Zip: 68127
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment. 2 ) That all correspondence take place in written form only. 3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period. 4 ) Your office will mail all correspondence to my home address or my email at XXXX. Thank you for your consideration in this matter. XXXX XXXX
Company Response:
State: MA
Zip: 01040
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I opened a checking account with HSBC based on the promotion offer I received. hsbc.com/XXXX The promotion is {$370.00} bonus if 1. ) I open the account by XX/XX/2019, 2. ) Keep {$10000.00} for 30 calendar days, and 3. ) maintain the balance for 90 calendar days. I even received a confirmation from HSBC online rep that I should receive the bonus. Attached in this complaint. I deposited {$10000.00} on XX/XX/XXXX, and maintained it for beyond 90 days. I did not receive my bonus. Since I fulfilled all requirements, i called HSBC and asked about why I have not received my bonus, they told me ( according to their " investigation team '' ) that because I had an account with them for the past three years, therefore, I am not eligible for the bonus. I did not have an account with HSBC for the past three years. I asked the representative on the phone to provide me documentation to prove I had an account with HSBC, they gave me the run around and said I need to request it online. I am filing this complaint because HSBC is deceptive in this marketing practice.
Company Response:
State: CA
Zip: 91780
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I receive several calls every day from XXXX XXXX XXXX. Calls have been coming in for several weeks without any information left in the automated voicemail message they leave. Today I spoke with a representative twice within a 30 minute period, and I believe they have violated several sections of the Fair Credit Reporting Act. This company is operating with suspended registration from the XXXX. The company called me trying to collect a debt that I defaulted on more than four years ago ( 2011 ) and therefore is past the Statute of Limitations for consumer debt collection in California - I have not done anything to trigger the restart of the Statute clock. The company could not provide me proof that they were authorized to represent the credit card company and they tried to get me to make a large payment immediately threatening that if I did not pay this would be handled publicly. When I told them I can not be called during business hours they claimed they were noting a refusal to pay. They would not note that I should not be called during business hours, and they threatened to damage my credit if I did not pay today. I have no ownership interest in this company. I have not consulted other federal departments or an attorney. There is no lawsuit or court action pending. The address information is from the former filings with the CA XXXX. I have filed a complaint with the CA Attorney General. I would like the company to be held accountable to the fullest extent of the law for operating a business in CA without registration and non-compliance with THE fair Credit Reporting Act ( in addition to Section 1788.14 of the CA Civil Code. Contacts : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Ext XXXX
Company Response:
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A