Date Received: 2019-06-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They have been calling saying we owe XXXX but they can do a hardship now and we can make 3 payments of XXXX starting today. They said they are from XXXX XXXX XXXX and if it is not resolved today then hsbc which is closed according to the woman we spoke to. That hsbc will be sending a law suit to XXXX County for the full amount and we will be required to pay the full amount in court. They knew all of our information last two places we lived last four of our ssn. They emailed us a letter with an address of XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. Phone number XXXX. I have called hsbc bank to see if they have any information for an old account and they do not. I called XXXX XXXX because the woman said XXXX XXXX took over the company. But XXXX XXXX had no information. I called XXXX to see if they had any information on this on my husbands credit report and they have nothing. The woman who called us also mentioned that this account is old and will not show up on our credit report.. which was weird to me.
Company Response:
State: WA
Zip: 98229
Submitted Via: Web
Date Sent: 2019-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: An earlier complaint with CFPB ( ID XXXX-XXXX, dated XX/XX/XXXX ), detailed my substantial efforts to rectify an inexplicable block on online access to my two deposit accounts ( checking and savings ) and a MasterCard credit card issued by HSBC Bank USA, NA. My efforts proved to be an exercise in futility and I requested the CFPB assistance in restoring proper access and benefits of my accounts and to be compensated for the improper actions of HSBC. Ms. XXXX XXXX XXXX, VP, Head of Customer Relations at HSBC Bank USA, responded to the CFPB complaint on XX/XX/XXXX, apologizing for the poor communication experience and blaming it on call volumes. She explained the block on my accounts as being the result of the Fraud department needing a copy of my ID and address, even though there had been no irregularities or lost or stolen card, or disputed charges. She offered XXXX reward points ( equivalent to {$50.00} ) as a gesture of goodwill, which does not even come close to compensating me for the hardship and damage to my credit reputation caused by HSBC misbehavior. When I contacted HSBC Bank customer service on XX/XX/XXXX I was informed that the credit card had been closed, not just blocked, effective XX/XX/XXXX. XXXX, the same date as Ms. XXXX disingenuous offer of XXXX reward points. Subsequently, on XX/XX/XXXX Mr. XXXX XXXX at Customer Relations responded to my phone calls and assured me that my online access to my accounts would be restored and that the late fees assessed to my credit card on XX/XX/XXXX and XX/XX/XXXX were unjustified and would be reversed. As I recall, he also promised to repair the damage to my credit reputation from the delinquency reported by HSBC. On XX/XX/XXXX I was able to access my accounts online, but still unable to make online payments to the credit card. I proceeded to close my savings and checking accounts and withdraw the funds into an external bank account. At this point I had completely lost any confidence in the fiduciary responsibility of HSBC Bank USA. On XX/XX/XXXX I initiated an online chat session with HSBC customer service after being still unable to make a payment online, and was persuaded to pay the minimum due which would have been a total {$100.00} for the amounts due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have continued to charge late fees on the account. I have repeatedly emphasized to HSBC customer service that it was important to me that I should be able to pay online from a verified external bank account instead of mailing a check, or pay over the phone or via a chat session due to security concerns. HSBC appears to be indifferent to that need. They have seriously damaged my credit reputation by reporting my account as being delinquent. My FICO score as reported by HSBC has deteriorated from XXXX on XX/XX/XXXX before all this turmoil, to XXXX on XX/XX/XXXX and I am sure it has gotten even worse since that date. This decline can be attributed solely to HSBCs irresponsible behavior. I am no longer interested in maintaining a financial relationship with HSBC. At this time, I am only desirous of my credit reputation being fully restored and being awarded adequate compensatory damages. To be candid, they are deserving of substantial punitive damages being assessed on them. Regrettably, my 60 day feedback period for the HSBC response to the original CFPB complaint, ended mid-XXXX XXXX while I was still awaiting the corrective actions promised by their customer relations. Hence the need for a fresh complaint in this matter. Thank you for your attention to a situation where a US citizen definitely needs financial protection.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a HSBC checking account that had a {$200.00} promo bonus advertised. I met all the terms and the promo was never credited. I contact the bank multiple times by secure email and chat. Each time they said they would look into it and I never heard anything back. Pathetic and unprofessional practices wasted a large amount of my time. They should be fined and/or sued.
Company Response:
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A debt with HSBC Mortgage account # XXXX was " charged off '' / '' Profit & Loss Write-off '' back in XXXX as indicated in the attached old XX/XX/XXXX & XX/XX/XXXX credit reports. I received a XXXX from IRS and paid taxes on this debt as it was considered earned income. HSBC has a lien on the property and will not release the lien. I have contacted them to request this lien removal for the past 30+ days and they keep transferring me to numerous people that continue to obtain the same information from me each time i call. HSBC is trying to collect on a debt that is not owed. I am requesting that they release the lien on XXXX XXXX XXXX as this loan was charged off 11 yrs ago and I have already paid taxes on the debt.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. Hsbc Bank XXXX XXXX XX/XX/XXXX 2. Hsbc Bank Usa Na XX/XX/XXXX 1. Hsbc Bank Usa Na XX/XX/XXXX 2. Hsbc Bank Usa Na XX/XX/XXXX XX/XX/XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX XXXX and household finance co .owner of this company deed is XXXX XXXX XXXX XXXX ga ..deed filed 1998. . XXXX XXXX owner of property and company Also attached is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL .XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga Other companies own by XXXX XXXX XXXX XXXX .all address in this text and company are own and co own by Mr XXXX I have a administratior and attorney on this estate Mr XXXX is deceased her name is XXXX XXXX XXXX # XXXX # XXXX .she has alert me that the XXXX heirs are hide .all this information from her and me and refuse too give too her the information .she need which are the deed to the company s and bank account etc .which is now pass due. Start with XXXX XXXX and XXXX XXXX and XXXX XXXX.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Hi I have both HSBC Checking and saving account since last year. this year Before I want to close them on XX/XX/2019, I initiated the money transfer from XXXX XXXX Joint account with my wife to pull balance from HSBC. after the HSBC balance become XXXX, I closed both of my accounts. But XXXX XXXX returned the money back to HSBC as I log in XXXX XXXX using my wife 's access, even though it's a joint account. they said the name is not matched. the total balance of {$10000.00} was returned to HSBC on XX/XX/2019. I called XXXX back they are not able to allocate the balance so they have to return to HSBC.I have called HSBC customer service several times ( extension, they are denying they got the money because I already closed my accounts and kept saying XXXX XXXX holds the money. i have double checked with XXXX XXXX, they are not holding this money.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: In XXXX I applied for a new credit card to assist in credit card debt. The offer was received in the mail from HSBC for 0 % apr for 15 months on balance transfers within 60 days of account opening. There were some delays in application being approved due to a previous fraudulent incident in my name. There were extra steps taken on HSBC side to ensure I was in fact who I say I was. I recieved my card in the mail weeks later and was welcomed to HSBC, within this package was my credit card and Account information. Until I rec 'd this information I could not use my card, they was an activation code given in yet another piece of mail that was rec 'd days later. On XXXX XXXX I was able to use my card after activation. I then wanted to make a balance transfer, on XX/XX/XXXX I made this balance transfer. I was not notified that I was outside of the 60 day window and assumed I was not. I received my card welcoming to use my account on XX/XX/XXXX. It is not clear when this account was opened. The next month 's bill arrived and I was charged finance charges of 15.24 % on a balance transfer I thought was 0 %. I contacted the HSBC, there is no customer service # to talk to someone regarding this type of charge, I had to result to chatting. I chatted for over a XXXX hour and was told the 60 day window ended on XX/XX/XXXX., hence the finance charge and not receiving the 0 % on balance transfer. I asked why this date is chosen to end XX/XX/XXXX and was told my account was opened on XX/XX/XXXX. HSBC representatives were not willing to waive this finance charge due to being 24 hours late in transferring. Unbeknownst to me I had no idea my account was opened on XX/XX/XXXX and I could actually have completed a balance transfer on this same date. Very unrealistic seeing I could not use my card until activating with a secure pin # received XXXX. I believe this credit card company is misleading in stating account open, this credit card company should state account opening date somewhere on your credit card statement. This credit card company should state clearly what the balance transfer fees will be at the time of transaction base on the days of account open. This was a trick and a trap for me as a consumer and I believe would be for most consumers.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: When attempting to make a payment due XX/XX/2018, HSBC blocked my online account therefore was not able to get the address to send the payment to and was not able to make the payment online. I attempted to find the company address online and blindly sent in a check but they returned the check without forwarding it to the correct address. I also attempted to make a payment through their online payment system which would not accept my payment because they said it was past due. After hours of phone calls to numbers that I found online was was finally able to find an address to send a payment to and made the payment. HSBC made it near impossible for me to send in my payment timely and I have a missed payment on my credit report due to their bullying tactics. I will not dispute the late payment fee but would like the late payment removed from my credit report.
Company Response:
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: 1 ) Transferred electronically XXXX $ to XXXX XXXX on XX/XX/XXXX using HSBC online banking 2 ) waited for 3 business days and contacted 2nd and 3rd day to HSBC customer service and inquired on transaction status. A ) the online chat representative said - the cash will be deposit to payee in the form of Check ( which I never instructed them to pay in the form of check ) B ) at the same time I called to customer service via phone and the person mentioned that - since you did electronically the deposit will be happen by the end of 3rd business day. It was so frustrating that, why money is depositing in the form of check? with out having any knowledge from my end. I was totally confused by the statement -- -- -- '' a number of different factors are considered to determine how the payment will be sent, we can not tell which method of payment will be used until the payment is processed. Based on factors considered, our payment system selects the most appropriate method. Electronic payments are sent whenever possible. If the payee does not permit or accept electronic payments, then those funds will be remitted to the payee through the use of a paper check issued by HSBC or its agent and payable to the payee, as instructed by you. This paper check will state that it represents a payment from you and will indicate the account number of your account or reference number with the payee. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- this is a system generated message and they keep on mentioning this point only. I have more than 10 years of experience in doing online transactions and never ever come across with such a bad experience. i want to close my checking account, however i would like to report this to government. please help.
Company Response:
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A