Date Received: 2023-06-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX and HSBC have violated my rights. Under 15U.S.C1681 SECTION 602, states I have the right to privacy. Under 15USC81 SECTION 604A SECTION 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC SECTION 1666B a creditor XXXX not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: 77099
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am an American citizen living abroad who has been a customer with HSBC Bank USA since XXXX. In line with best practice, I havent touched my Traditional IRA account ( # XXXX ) and have had no plans to do so until I reach retirement age. However, Ive recently realized that I stopped receiving account statements. When I called the HSBC customer service numbers on two occasions, the agents stated there is no record of my account. In XX/XX/XXXX, I sent a detailed letter via registered mail about the situation to HSBC USA Headquarters in New York but have not received any response. I am now very concerned that the money in my account may have been misappropriated. To resolve the problem of my missing Traditional IRA account, I would appreciate your support to find out how I can confirm that my funds are still available to me as well as information about how I can reactivate and access my account.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XXXX XX/XX/2023, I receive a letter from HSBC informing me that the bank is exercising its right to close my bank account on XXXX XXXX XXXX, with no reasons provided. As I am an international customer, I only received the letter on XXXX XX/XX/2023. I had only 2 weeks to scramble my banking instructions so that there will not be any issues with account debits or credits after the account has been closed. I immediately prepared a letter on the same day to send back to HSBC 's address in New York. In the letter, I urged the bank to reconsider the account closure, as I am interested in continuing the banking relationship and could not think of any reasons why my account would be closed, and could provide reasons for all of my banking transactions. At the very least, in the letter, I stated that I would like a reason for the account closure. HSBC acknowledged my complaint in an email on XXXX XX/XX/2023. Unfortunately, they stated " Were unable to re-open your accounts or reconsider our decision. I regret were unable to assist on this matter further. '' I have not been able to get any information from customer service as well. I'm afraid HSBC has not " opened up a world of opportunity '' for me, and has in fact left me with lots of questions about how the bank manages the account of its clients. I certainly would be worried if the bank could just close any account it wishes to without any reasons provided, leaving customers scrambling for other options.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I can not make transfers from my HSBC checking account to my accounts in other banks. I called HSBC customer services XXXX times : 1. XXXX time, XX/XX/XXXX in the morning. After some verification the customer service representative told me that it was resolved and would be working 20-30 minutes after the call. 2. However, later XX/XX/XXXX in the afternoon I tried again and it still couldnt work. I called customer service again, which transferred me XXXX to a different department, and after a call for more than an hour ( and multiple times telling me wrong information that it already works ), they told me to call another department on XX/XX/XXXX within XXXX XXXX. 3. XX/XX/XXXX XXXX XXXX I called the new number as instructed, they told me that they have no access to my account at all and said the number is again wrong. They asked me to call customer service department ( the department I called from the beginning ) on the next business day. The whole process makes it very obvious that HSBC either is not capable at all to provide normal checking account services, or keeps lying and kicking customers without actually trying to resolve the problem. Right now I have no control of my checking account and the only thing I got was being transferred back and forth between departments that claim they do not have access to help make my checking account working.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
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 of a transaction XXXX - several weeks ago. since then they requested additional info- i have provided the info by faxing and calling information. hsbc hasnt provided temporary credit or contacted the merchant. its been more than a month and hsbc isnt doing anything to resolve the dispute
Company Response:
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Dear Sir/Madam, I am writing to file a formal complaint against HSBC XXXX regarding the delayed release of inherited funds from my late father 's account. I have followed all the necessary legal procedures, and a judge has issued an order to distribute the funds to me. However, despite my lawyer submitting all required documentation to HSBC XXXX, we have not received any updates or progress from the bank, except for a confirmation of receipt. The relevant details of the situation are as follows : Bank : HSBC XXXX Legal Proceedings : All necessary legal steps have been taken, and a judge has issued an order to distribute the funds to me as the rightful beneficiary. Timeline : It has been almost 8 months since my lawyer submitted the required documentation for the first time to HSBC XXXX, but there has been no action or communication from the bank regarding the release of the funds. I am deeply concerned about the prolonged delay in releasing the inherited funds and the lack of communication from HSBC XXXX. I believe this may be a violation of banking regulations or consumer protection laws. I kindly request the Consumer Financial Protection Bureau to intervene and investigate this matter. I seek your assistance in ensuring that HSBC XXXX promptly releases the funds as ordered by the court. Furthermore, I would appreciate any guidance or advice you can provide regarding the legal recourse available to me in this situation. I am available for any additional information or clarification you may require. I appreciate your attention to this matter and your efforts in resolving this issue. Thank you for your prompt action and assistance. Sincerely, XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was contacted initially by XXXX document verified services with a reference number and phone number of legal office to contact. When I called the number that was provided to me, the name of the company was XXXX XXXXXXXX XXXX. I provided the reference number I was given by XXXX. They had my name and last four of my Social Security number and claimed that they had documents for me and I was being sued by HSBC Bank for a credit card through XXXX XXXX that I had and it was closed out approximately 15+ years ago. They claimed they would email me the official debt documentation and that hardcopies were being delivered to my home because I was being sued. They told me that they would work with me on making payments at a 30 % of the balance and developed a payment plan with me. They sent me a text message where I was able to verify the agreed payment plan. I provided a debit card and made a {$300.00} payment. After getting off the phone I was told I would be emailed the agreement which never came and I started to become worried that I was scammed so I called HSBC bank and provided the account number that was given to me by XXXX XXXXXXXX XXXX. I also provided my Social Security number to HSBC Bank to look up and see if I had an account with them. It was linked to a Social Security number that it may have been previously closed out and there was absolutely no record of me on file for any type of debt. I contacted XXXX XXXX XXXX again and they were unable to provide me with said documents and had no answers for me as to why my information wasnt on file with the company that they said was suing me. I made a {$300.00} payment over the phone.
Company Response:
State: MA
Zip: 01826
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023 HSBC Bank decided to put my account under investigation or review and then suspend my account and put it up for closure for whatever reason I still do not know the reason they did this without my knowledge they did not correspond with me this information in any way not email not mail or text message or phone call. Only way that I found out is that I called to check into on a direct deposit that I get every month from social security disability insurance and I receive it on the XXXX of every month I called only XXXX of XX/XX/2023 and that's when I became aware of the problem. I then ask the representative that I talk to well if my account is suspended what happens to my deposit that's coming up on the XXXX and they said well it's only suspended for outgoing transactions nothing incoming we can receive it incoming we'll just hold it until our investigation is done in 60 days. I then began to tell the representative why did you all not tell me anything about this and they said that's how we do it no correspondence whatsoever it's for the safety of the investigation. And then the representative proceeded to tell me that most likely my account will be closed and I said that's not a problem whatever you all want I just want my money that's in my account and they said oh yes it's 60 days you can have it the 60 days has come and gone and they said they had to do an extension on this investigation I proceeded to tell them that I am on XXXX and those funds are my money that the United States government gives to me to survive and they said they do not care about any of that that they have to hold my money for another 60 days because of an investigation again extension even though that money that was deposited on the XXXX of XXXX had nothing to do with any investigation or anything I still have not received my money after the promises of direct deposit reversal back to SSA which never occurred which was a lie. The SSA told me they never received anything and that they have not seen anything from them HSBC Bank is obviously telling me something that is not true. I call every single day asking the representatives what's going on with my money and they act like they can not ask anyone or see from a supervisor or anything what's really going on they just want to keep my {$880.00}. I'm on XXXX I do not have the ability to work so I can't make up for this money I can't even ask the government for a help because they feel like I've already been paid. HSBC Bank has no reason to hold my money like this and they really act like they can do it without any recourse. I am a United States citizen I should be treated with respect and this is very disrespectful by doing this to a XXXX person holding my money makes no sense and lying about giving it to me and then they never do is even worse I have become in financial ruin lost my apartment and and become homeless because of this {$880.00} that they act like they don't want to give to me it's mine and it's my money the United States government gave it to me and they think that I've been paid because HSBC Bank has told them that I have I guess but they know that they're wrong for what they're doing I don't know if it's some kind of glitch or whatever but it doesn't seem like it I have recorded every phone call all 34 phone calls that I have given to this Bank all of them result in I am going to call you back after I get in contact with a person in that department and they never call back I need my money ASAP I'm in financial distress please help.
Company Response:
State: CA
Zip: 92411
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: This is continuation of the complaint filed under the number XXXX. The bank 's response is incorrect. You are referring to the terms of online account which was not the terms offered to me. I opened an account in the XXXX XXXX as per terms provided by the XXXX XXXX. Also my bonus amount is incorrectly mentioned as {$450.00}. I have been promised {$600.00} as the terms are for opening an account in HSBC branch in XXXX. I have provided all the necessary attachments with emails and correspondences from the HSBC branch manager and the terms of offer in the above mentioned complaint. Request the educated employees of HSBC to please read take some effort to read the complaint and attachments sent before responding. I do not need to know what all offers HSBC had in promotion during a certain period for all customers. I want HSBC to honor the terms offered to me for which I have provided all the necessary emails and attachments from HSBC XXXX Branch manager.
Company Response:
State: WA
Zip: 98075
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Spoke with a male representative from the XXXX XXXX XXXX XXXX XXXXXXXX about my funds of {$22000.00} turning into - {$22000.00} I was not notified about this at anytime. I went onto my HSBC app & realized that my account had become negative without anyone reaching out to me, explaining why or where are my funds. The representatives response was that I opened this account in XXXX & the HSBC Premier account that I entered into requires an average balance amount of {$75000.00} that this account was unable to maintain this average balance. And for this reason the account has closed. Im unable to get access to my money that was in the account. Its been XXXX months since the customer service representatives have continuously stated to me that I need to wait for this account that is still pending closure to close. Then I will be mailed a check, No time or date available for XXXX months just keep stating that I need to wait that the representative is making a note that I need my funds. Closure is pending, not able to speak with a supervisor at my request! Unexplainable? Also have proof of the account that I entered into agreement with, stating that the account Needs to maintain an average balance of {$10000.00} for XXXX consecutive months to receive a {$500.00}. Welcome deposit for new customers. After I called about the {$500.00}. Bonus, This bank has continued to find a problem with the account. Unfair and not releasing my funds to me.
Company Response:
State: NY
Zip: 11237
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A