Date Received: 2019-06-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a Bank Account with HSBC on XX/XX/2019 with {$10000.00} ending in XXXX. The had a promotion that keep {$10000.00} in account for 90 days and receive {$350.00} Bonus. now it has been 126 days since I opened the account and still haven't got {$350.00} bonus in the Account.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2019-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had an account with HSBC. Please provide validation of this debt associated with account ending in XXXX. Do not call, please. Communicate in writing only.
Company Response:
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: On XX/XX/XXXX. I started receiving calls from multiple relatives informing me that this company ( identified to me as XXXX, to others as XXXX XXXX ) was contacting them regarding a claim that was being filed against me. I then received a call from my father, who informed me that a woman wanted to talk with me and that they were " filing papers '' for a suit against me. He spoke to her ( XXXX, extension XXXX ) multiple times during the day while I was attempting to figure out what was going on, and at no point did I give her or anyone at " XXXX '' permission to do so. At one point during their conversation, she informed him that she would like to get this paid off by XXXX. I gave them a call ( XXXX ) and spoke to XXXX, extension XXXX. She informed me that papers were being filed with the XXXX County courthouse because I had " defrauded a credit card company ''. She also mentioned something about wage garnishment. After asking her to identify the debt, she responded with a 16 digit account number, an amount of XXXX dollars, and stated this was a debt from XXXX that had only received one payment and therefore constituted credit fraud. I asked if it was possible to pay whatever it was that I owed to stop this, and her answer was yes and that they would settle for XXXX dollars. I then asked her why this debt was not on my recently pulled credit report, and her answer was that it was because they were filing papers to submit them to XXXX County and they were trying to avoid the 7 year statute of limitations. Naturally I was a bit apprehensive at this point, as I had just gone through a refinance with my house and had to find every possible debt from the recent past and get it paid off. This debt was not among them. I asked for a direct number to the person I was to contact in the event this did prove to be a legitimate debt, and her response was that there wasn't one and to just call the number that got me to her. ( XXXX ) After getting off the phone with her, my wife received multiple calls from them, as did my other sister and even her husband. Fortunately I keep old credit reports, and after looking through a physical copy of my credit report from XXXX, the account number I was given did in fact belong to a credit card that had been opened in XXXX, paid on time for months before becoming late, and then charged off in XXXX. This plainly contradicts what I was told ( opened in XXXX, only one payment ) by XXXX. Her urgent tone and general lack of specific information or even a remotely recent address for me coupled with the fact that her date and specifics of this " debt '' were incorrect lead me to believe this is a " scare tactic '' attempt to fraudulently collect a debt that is no longer valid.
Company Response:
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The XXXX branch of HSBC are using " Family Linking '' to link up to 4 immediate family members so that all can receive Premier banking status. What HSBC XXXX does not disclose is that every time a software upgrade occurs these links get severed causing your family members to be charged a {$50.00} a month fee. After many phone calls with HSBC and speaking with other branches, it was found out that this feature should never be used as it will cause unwanted fees in the future. The only safe way to associate accounts is through joint accounts.
Company Response:
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This agency has contacted me several times regarding an unverifiable debt. When I asked for additional information, they could not provide it. They have threatened to have me served with court documents. As such, I told them that I would be happy to appear in Court on this because they would have to prove the validity of this debt. They have called numerous times before and I've responded in the same matter. They still have not served me with any paperwork. This situation is out of control because they contacted my mother ( at work ) and my family member, even though I have spoken with them and tried to arrange a time for them to serve me with paperwork. This isn't the first time they've contacted me but it is the most recent. Even after speaking with them on Thursday, they contacted my mother at work on Friday. This is unacceptable. I would like some assistance in dealing with this collection agency because at this point they are violating my rights as a consumer.
Company Response:
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XXXX XXXX XXXX, Vice President, Head of Customer Relations XXXX XXXX, Senior Vice President, Head of Customer Experience This is in reply to a XX/XX/XXXX letter from XXXX XXXX XXXX, HSBC Vice President, Head of Customer Relations. I have attached a copy of that letter. 1. The letter stated that the Share the Experience Bonus of {$100.00} was already credited to my account. This is incorrect. The {$100.00} promotional bonus posted on XXXX XXXX, XXXX to my account was, in fact, for a second referral, XXXX XXXX, and she likewise got her bonus already. I have verified this with XXXX XXXX from the HSBC XXXX Branch. 2. The subject of my complaint has always been the first referral bonus. Contrary to your letter, the referral bonus for the account belonging to XXXX XXXX which was opened on XX/XX/XXXX, has never been paid and is way overdue ( promised within 8 weeks XX/XX/XXXX then ). You have yet to honor the terms of the XXXX promotion. 3. The above letter stated that within 4 weeks ( by XX/XX/XXXX then ) a credit of {$250.00} will be posted to XXXX XXXX account. To this date, no credit has been posted. 4. In your letter you included two telephone numbers where Customer Relations ( XXXX XXXX ) could be reached but nobody answers that phone and although the message states that somebody will call back by the end of the next business day, NOBODY calls back. I have called those numbers numerous times, leaving a message at all times but I was never called back. 5. Also, I have sent emails to the email address you provided in your letter and again NO REPLY. I am beyond frustrated dealing with HSBC regarding this matter. Your prompt resolution of this matter is immensely lacking on your part. It has been one promised resolution date after another.
Company Response:
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2019-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I closed the credit card account and it has {$160.00} credit that they will not send to me. I spent over 40 minutes with the chat line, then over 25 minutes on the phone with the credit card department giving my social security number, drivers license number, address, phone numbers, etc.and all I get is " we will call in 1-2 business days '' or " we will call in 2-3 business days ''.
Company Response:
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
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 submitted a balance transfer of XXXX via web from HSBC to my XXXX XXXX account on XX/XX/2019. According to HSBC it'll take 10-14 days to processed the transfer. I contacted HSBC 14-15 days later to advised them that I didn't received the fund in my account and that if for some reason it didn't go through that it was okay to just cancel the transfer completely. The representative advised that they will look into the matter and will contact me for a follow up. Few days later I received a letter in the mail regarding issue of the balance transfer including a copy of a check from HSBC sent to XXXX XXXX referencing a completely different account number. I contacted HSBC right away regarding the letter and advised them that they have reference the wrong account number on the check. HSBC advised that they can not do anything about this matter because the check was already cashed by XXXX XXXX. In addition, they have advised to contact XXXX and have them re-route the fund to my account if it was incorrectly applied to a wrong account and that they can not further assist me. The following week, Monday morning I walked-in to a XXXX branch and spoke to a branch manager regarding my situation. She assisted me in searching for the account number that was indicated on the copy of the check proven that it wasnt any of my account with them. Furthermore, she submitted an internal ticket within the bank about this matter. I asked I she could re-route or transfer the fund from that account to mine she advised that she cant process such transfer of fund because I do not have any of information on the copy of the check. She promised to follow up with me before the end of the week in regards to the ticket she submitted. The branch manager contacted me Friday morning and advised there wasnt any luck in finding any information about the balance transfer and provided me a contact number for the XXXX claim department for further assistance. I right away contacted the number given to me by the branch manager. I spoke to a representative and advised her of the issue that Ive been dealing with. The representative advised that they can not process transfer fund from one customer to another. She advised to contact the bank manager who Ive been speaking with that she would be able to contact the client/customer of the account number indicated on the copy of check and get a verbal confirmation if the balance transfer received on their account was valid or not. Again, right away contacted the branch manager and advised her what the claim department told me. She right away, advised me that shell do her best and will contact the customer and follow up with me as soon as she can. Later that afternoon I received a call from the manger and she confirmed that the customer with the account number on the copy of the check was another mutual customer of HSBC and XXXX and that person had also made a balance transfer from HSBC to Chase. Then thats when realized HSBC had sent me one of their customers proof of balance transfer. Also, the check was dated XX/XX/2019 which obviously can not be the check that HSBC claimed they've processed as my balance transfer fund to XXXX, the fact that I requested the fund transfer online on XX/XX/2019. I've reached out to HSBC and advised them of the facts and requested them to find out what happened with the balance transfer. I have expressed my concern with HSBC about the re-payment which according to my statement first payment due on XX/XX/XXXX and how I felt that I shouldnt have to make any sort of payment until this issue is resolved but at the same time I was extremely concerned that itll greatly affect my credit score. This has been the most stressful situation Ive ever experience. Ive been contacting HSBC once or twice a week to get an update on this issue, unfortunately I havent heard back from the credit card company in regards to solving this matter.
Company Response:
State: CA
Zip: 91350
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a phone call from, +XXXX ( XXXX ) XXXX today saying I had a past debt from 2001 in the amount {$1000.00} and the creditor would like to settle now over the phone right now in the amount of {$520.00}. They read back my full social security number and knew my name. I called so called creditor, They said was HSBC bank and they have no record of me on file.
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: XX/XX/2019 I sold my primary residence in XXXX XXXX, FL. The amount received from the sale was deposited in my HSBC checking account XX/XX/ 2019 I went to the HSBC Bank located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX to initiate a wire transfer of USD {$100000.00} The wire transfer was initiated from a US dollar account at HSBC Bank to a US dollar account at XXXX XXXX in XXXX XXXX REFERENCE XXXX XXXX BUY REAL ESTATE IN XXXX FROM PROCEEDS OF A SALE OF REALESTATE IN US XXXX XXXX 2019 I was informed by XXXX XXXX XXXX that only USD {$94000.00} was received I sent by wire transfer USD {$100000.00} on XXXX XXXX 2019. I received USD {$94000.00} on XXXX XXXX 2019 The amount of USD {$5600.00} is missing I have called HSBC Bank at least 8 times over a 3 week period The following is my call log and a summary of events XXXX XXXX 2019 I called HSBC Bank. Talked to customer service, XXXX who opened investigation reference number XXXX XX/XX/2019 I called HSBC Bank. Talked to customer service Hani. Hani did not find any notes or reference enter by the XXXX, therefore we started a new investigation XXXX XXXX 2019 I called HSBC Bank. Talked to customer service XXXX XXXX. XXXX could not find any logs, previous references or anything related to my issue XXXX XXXX 2019 I tried to escalate the case and talked to XXXX the Floor Manager. The Floor Manager called Wire Room Team. XXXX suggested to wait for the Wire Room Team to respond. XXXX XXXX 2019 I called HSBC Bank. Talked to XXXX, Floor Manager. XXXX called the Wire department and also suggested to wait. Also on XX/XX/XXXX XXXX Manager created a new complain number XXXX XXXX XXXX 2019 I called HSBC Bank. Talked to XXXX manager of customer department. XXXX created a new case number XXXX. The case was submitted to the wire room department. XX/XX/ 2019 I called HSBC Bank. Talked to customer service XXXX XXXX XXXX could not find any logs, previous references or anything related to my issue. XXXX XXXX 2019 I called HSBC Bank. Talked to customer service XXXX id XXXX. XXXX provided no information. I asked to talk to the floor manager. Floor manager XXXX was not available. The wire transfer was executed 3 weeks ago. I called HSBC Bank at least 8 times as outlined above. Sometimes I have been on the phone for over an hour with no resolution. Something went terrible wrong. Why HSBC Bank is providing no answers. Where is my money. As of today, the amount of USD XXXX is still missing. HSBC Bank consistently provided no resolution to my request.
Company Response:
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A