Date Received: 2019-04-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am a victim of credit card fraud and personal loans. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ny XXXX stole my identification in XXXX to borrow money etc from HSBC. Mr. XXXX stole my previous email address XXXX. my social security number etc.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Company called from XXXX. Claiming to be XXXX XXXX XXXX. Caller was rude, put me on hold intentionally when I tried to give the proper information. They stated I was named in a complaint and will Be filing legal action if I did not pay now. They said it was An XXXX XXXX card also known by household bank HSBC. I tried to advise them this account was included and that the orginal creditor was notified of Chapter XXXX bankruptcy what was filed, accepted and XXXX in 2011. Making the debt uncollectible, as well as being outside of any statue of limitations. They are not accepting of the information and are telling me I must send them information. They are clearly in violation of the fair debt collection act on numerous things here ...
Company Response:
State: TN
Zip: 37814
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2019, licensed real estate agent XXXX XXXX, representing XXXX XXXX XXXX illegally trespassed on the property of my deceased parent 's home in order to take pictures for a Broker Price Opinion ( BPO ). The BPO was ordered by XXXX XXXX XXXX XXXX ( XXXX ), a known affiliate of XXXX XXXX XXXX , XXXX ( SPS ). I as the executor of the estate, which is currently in probate, was never notified nor gave authorization for XXXX XXXX or any other entity, to enter on this property. Posted signs are prominently displayed on the property and XXXX has been previously put on notice regarding trespassing. I contend XXXX has no legitimate claim to this property and no litigation is currently pending regarding this property. As result of XXXX XXXX XXXX illegal actions at the direction of XXXX and XXXX, I and my siblings feel violated and threatened. XXXX continues to display a disregard for the law. I am seeking a cease and desist from any further trespasses, a copy of any XXXX produced and a copy of all pictures taking of this property. I reserve the right to file a criminal police report at my discretion. XXXX has been repeated told this property is NOT the property described in the purported mortgage. In addition, XXXX has yet to provide a legitimate claim per XXXX Surrogate Court Law.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I wish to close my HSBC accounts and withdraw all my money ( over {$100000.00} ) from this bank immediately. I have contacted HSBC bank at least a dozen times since last week asking why HSBC was IMPROPERLY WITHOLDING my fundsI did not get a reply. I want a clear answer from HSBC as to exactly WHEN/ WHERE/ HOW I CAN GET MY MONEY and CLOSE MY HSBC ACCOUNT ASAP. Customers have the right to know and the right to access their account. HSBC has NOT provided me any answer. I FEEL HARRASSED and RETALIATED AGAINST BY HSBC in THIS LATEST HOSTILE ACT BY HSBC directed at me because I have brought several complaints about HSBC to CFBP. I am also of XXXX American heritage and I feel HSBC that is mistreating me as punishment for calling out HSBCs serious patterns of abusive acts. Due to a series of unprofesional conduct and eggregious mistakes made by HSBC on my accountincluding the HSBC branch manager in XXXX XXXX, XXXX XXXX, lying to me when he sent an email on XX/XX/XXXX, confirming that HSBC did NOT process any overdraft protection or credit card on my accound. ( Exhibit A attached ) However, I would later discover a hard hit initiated by HSBC on my credit report. ( Exhibit B attached ). I have NEVER knowlingly consented or authorized HSBC to run ANY credit check soft or hard whatsoever on my account. I have also submitted a complaint to HSBCagain NO reply is the typical reply. This communication black out from HSBC -- among other mishandlings of my account by HSBC compelled me to withdraw my money and terminate HSBC immediately. Throughout Monday, XX/XX/XXXX, I spent at least FOUR hours contacting HSBC and speaking with different HSBC representative to schedule an appointment at a local branch to withdraw/close my account ( I have phone records ). Finally, at XXXXXXXX XXXX, XXXX XXXX XXXX, a manager at the XXXX XXXX branch informed me that she could not close my account because HSBCs back office has taken over my account. In a very dismissive tone, she said she could not do anything further. I asked her WHAT IS HAPPENING to my account??! XXXX XXXX said that the HSBC back office informed her they have already spoken to me last Thursday ( XX/XX/XXXX ) and Friday ( XX/XX/XXXX ) about this matter. Another lie from HSBC. For the record, NO ONE FROM HSBC HAS EVER CONTACTED ME AT ANYTIME last Thursday and/or Friday via email/phone in any manner. I asked to speak with the person who claimed they had contacted me but she declined. I became more distress at HSBCs unprofessional staff and more lies they were perpetrating. I had no option left and NO ONE at HSBC would help. At XXXX XXXX, I called the HSBC toll-free customer line. I spoke with operator XXXX. I told her what the XXXX XXXX informed me, but that NO ONE from HSBC has ever contacted me last Thursday or Friday. XXXX called the branch manager in XXXX XXXX while I remained on the phone. Then, XXXX suggested that I contact the executive office. However, I informed XXXX I have already the executive office numerous times last week. NO live person has ever answered the phone at HSBCs executive numbers here : ( XXXX ) XXXX and XXXX. Both numbers go to the SAME answering machine recording. I already left a message ; NEVER heard back. Since last week, I began contacting HSBC after receving a notice from HSBCs Vice President of Customer Relations, XXXX XXXX on XX/XX/XXXX, CFPB was also copied. She stated that HSBC would not assess any fees on my Certificate of Deposit ( CD ) account if I were to terminate early and I could close my account at a local branch. I called to set up a time terminate my account at the XXXX XXXX branch. Then, the typical HBSC dismissive reply and endless run-around happened, per above. I and my family have suffered enough of HSBCs abusive actions taken against me. HSBCs deceptive practice, the run-around they put me throught, HSBCs black out of any communication, their hostile withholding of my funds, the unauthorized hard hit HSBC made on my account, the stress and headaches HSBC have caused me and my family are just some the examples of how a powerful banking institution will punish anyone who complains about their abuses. This horrific nightmare with HSBC must end immediately. I want a clear answer from HSBC as to exactly WHEN/ WHERE/ HOW I CAN GET MY MONEY and CLOSE MY ACCOUNT IMMEDIATELY.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I keep getting calls from different numbers claiming to be HSBC or Household representative bank and they are trying to collect a debt from a credit card they claim I " may have had '' prior to bankruptcy. I told them my bankruptcy was settled and paid and there were no outstanding debts, they insist I owe this and the bankruptcy only paid interest and not the principal. They keep saying the woman XXXX XXXX is my contact. She keeps claiming cops are coming to my place of work to arrest me, they've even called my husband. the most recent number is XXXX and they will NOT mail me anything that I ask for,
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have requested the HSBC to close my previous checking account ( ending XXXX ) on XX/XX/2017. I have chat records to prove it. So the company claim my account was closed on XX/XX/2017 was a lie.
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2019-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-05
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Response to - XXXX1- HSBC responded with incorrect card member agreements. I saved all card member information received from HSBC. My information is different than what they provided. This is mentioned to highlight the pattern of mis-information being spewed out to customers by HSBC. If corporate relations employees can't get it right, how can telephone employees located across the world get it right? 2- They say they attempted to find phone records to back up my claim of the phone conversation I had with their reps. There were three phone calls made, the first being the call that I was told the purchases made during the intro period would remain interest free until paid off. I have two phone numbers, both registered with HSBC. however HSBC only mentions attempting to find one phone number. For clarification the phone number used for all three phone calls pertaining to this situation were made from XXXX. To re-cap - we have a complaint alleging incorrect information was given to a consumer ( me ). We have a response from HSBC supplying incorrect documentation and information. This pattern, again, supports my claim that I was given the information I'm saying I was given. Whether or not it is incorrect information should not matter. What should matter is I, the consumer, called for clarification of my card member agreement and I was given the incorrect information which led me to make a financial decision that instead of benefiting me the consumer, benefits HSBC. Had I been given the correct information I would have not used the HSBC card to make my purchase. **Portion of previous CFPB complaint*** I received a card with an into APR of 0 percent on purchases for the first 18 months. Nowhere in my card member agreement or paperwork received from HSBC did it state whether or not the intro APR would change on purchases made but not yet repaid by the intro APR expiration date. I have a XXXX XXXX card and, the purchases made are at the intro APR until they are paid off. So, I called HSBC and asked about how the intro APR worked. I took notes. I was told the intro APR expiration would not expire on purchases made within the intro period.
Company Response:
State: OR
Zip: 97030
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Yesterday, XX/XX/2019 - I received a call from XXXX - they left me a message identifying themselves as XXXX from the XXXX XXXX XXXX XXXX and she said I had to contact XXXX, and provide a case number XXXX, which I did. The lady who answered the phone presented herself as XXXX XXXX, from the XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX # XXXX, XXXX, CA ( I have searched on XXXX, and there are 58 records found for XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and none had the name of her Company, XXXX XXXX XXXX XXXX XXXX - and neither under her name ; but I found someone on that list named XXXX XXXX XXXX XXXX Age XXXX and I can't say that she is the same XXXX that left me the first message from XXXX, who reside in XXXX, CA ). Well, XXXX XXXX said that HSBC had sold them a bill under my name. I asked the name of the company I supposedly owed some money and she didn't provide that to me. She said a civil motion was placed under my name, XXXX XXXX XXXX, Social Security Number ( She spoke out my full Social Security Number over the phone ) of a bill in the amount of USD {$2900.00} that could be settle for USD {$820.00} over the phone or at the end of the call they would proceed to send my case to Court. I said the same rights you have out there to request this payment, I have in requesting more information about it. She said a letter was sent to me on XXXX ( While over the phone, I searched in my mailing box and there was nothing there and I let her know that I had just searched for it and didn't find any letter of the sort ). She said on XX/XX/2019 they had send an e-mail to me to XXXX an e-mail that I don't use any longer for more than 5 years. Then she said it was also sent to my e-mail, XXXX, I said that I never saw it before and I checked my e-mails everyday after working hours. I arrived in my office today, I searched my XXXX, and there was an e-mail. When I opened it, " There was simply a message from XXXX XXXX Authorization Request with an e-mail that I couldn't reply them back, XXXX, with a link that I should click, which I did : It was now asking me for my SS # last 4-digits so I placed it ( Since they already new my full Social Security number. On this page, one could read a full name of an web site : Patent ( s ) : XXXX XXXX XXXX ) and clicked enter. In the new Window one just see a note from the XXXX XXXX where one could read : XXXX XXXX XXXX XXXX By signing this form, I authorize XXXX XXXX, to debit my account once for the amount indicated as a one time and final payment. Amount : XXXX, I hereby authorize the above transaction ( s ) click to sign. HSBC CARD SERVICES, - XXXX XXXX XXXX, ID : XXXX. '' This is it : no name of the company that I would owe some money and number of the account or credit card number owed, nothing. But these people have my full name, my full Social Security Number, my full address, my previous e-mail address, my actual e-mail address, and now they have my new cellular number as I contacted them twice. I have reasons to believe this is a scam because I contacted the HSBC ( XXXX ), spoke with XXXX, and was transferred to the HSBC SOLD Department ( XXXX ), spoke with XXXX ( If I got her name right ) and she didn't have anything under my name or Social Security Number. I immediately requested a copy of my Credit Report from XXXX, XXXX, and XXXX and still am waiting for it to verify if there is anything in it related to HSBC or else in the amount they told me over the phone. What you would advise me to do next? Because today, after speaking with one of your representatives, I contacted that same toll-free number and requested from XXXX XXXX their physical address ( reason why you read above their address ) and I also requested their Professional License Number and she refused to provide me with that number. So she ended the call by saying they would proceed to bring me to Court and the call was over. What else can I do, please? Oh! The most curious thing happened : After I found the e-mails sad Company had sent me, I made a forward of it to myself and never received such message from myself to myself - and guess what? I went back to XX/XX/2019 and the message no longer was available to me neither in my XXXX Inbox nor in my Sent Messages. This is just insane!
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I applied for an HSBC Advance Checking account using this link ( https : //www.us.hsbc.com/checking-accounts/campaigns/offers/ ) back in XX/XX/2018 and deposited {$25000.00} to receive the {$350.00} welcome bonus. The terms for receiving the bonus were basically : 1. deposit {$10000.00} and 2. keep the {$10000.00} in the account for 90 days. Their terms also noted that it takes 8 weeks for the welcome bonus to be deposited. After approximately 5 months, which is more than 90 days plus 8 weeks, I still did not receive the bonus. When I contacted the bank about it, I discovered a false note had been placed on my account by a customer rep I had previously spoken to. This note claimed that I did not use a valid link to qualify for the promotion. I am confident that I had used the right link. It is extremely negligent of the bank to rely on these " notes '' where the agents can add whatever they want with zero oversight or fact-checking rather than just actually check the source link my application came through. ( I was also appalled that agents were given so much power in altering customers ' accounts without their consent or knowledge. Never mind that the call had been an extremely poor customer service experience where the agent refused listen to what I was saying and kept interrogating me and insisting that I must have used an invalid link -- I vaguely remember feeling very tired of arguing. The fact that agents can go in change things on customers ' accounts just to XXXX them over out of pure malice or personal vendetta is very, very concerning. The last rep I spoke to tried to claim that they don't have this power even though my trouble with getting the bonus proves my point. ) The only other potential issue that might have caused the bank to claim I didn't use the right link was that when I initially applied, my application was delayed because of verification purposes. At the time I had expressed concern to the phone rep I spoke to about the delay potentially affecting my eligibility for the bonus promo. I was reassured that it wouldn't as long as fulfilled the terms ( deposit {$10000.00} and keep it there for 90 days ). This alternate explanation for what happened does not put HSBC in positive light either. In this case, it seems like the bank purposely interrupts the application process and redirects or restarts them elsewhere in the system so that the source of the application no longer appears to be from the promo link. I find it disgusting that a bank would engage in such dirty, shameful tactics to scam customers and get out of paying bonuses that were written in the terms and conditions. I see that many other customers have experienced the exact same thing where HSBC claims that they did not use the correct promo link to get out of paying the bonuses. It seems to be standard practice for HSBC to make up this claim in order to avoid upholding their end of the contract. It makes me wonder what other false claims the bank or its customer service agents might make about my banking activity in the future in order to profit at my expense. Perhaps the {$10000.00} that mysteriously disappears from my account one day is apparently a totally " '' legitimate, verified '' '' transfer I " '' asked a rep to help me make '' '' according to some " '' note '' '' an agent put on my account. Based on my personal experience, HSBC is at best extremely negligent by allowing their customer service agents to make whatever changes they want to customer accounts without any oversight and follow-up confirmation OR they are extremely dishonest and predatory by purposely disrupting and redirecting/restarting applications so they can cut off the applications ' original connection to the promo link and disqualify customers from receiving the welcome bonuses. The last I heard from them is that an investigation has been raised and that this will be resolved within 2-3 business days. That has passed as well. Maybe HSBC coincidentally hires agents who tend to go rogue by altering customer accounts on whim, ignore customers, and/or lie to customers. But reading other reports to the CFPB gives me the sense that this is their standard protocol and perhaps they actively train their agents to carry out these acts so they they can take advantage of customers and get out of paying the welcome bonus. This was my first time banking with HSBC, which I thought was a reliable, trustworthy institution given its global presence. Turns out they're a bank that is prone to lying to customers and altering customer accounts with zero transparency and consent. Really regretting taking the leap of faith in thinking they were a bank with any integrity. Turns out they and their customer service agents have none.
Company Response:
State: CA
Zip: 92081
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: SinceXX/XX/2018I have been attempting to gain online access to my HSBCcredit card account, a service that HSBC purports to provide all of its credit account owners. Each time, I am told that a ticket is opened and being escalated to IT and that I should receive a follow up call the following day. The return call never comes and when I call back to follow up I have to start all over as if a ticket was never opened with IT to begin with. This exact situation has occurred at least 3 times since XXXX with no resolution to date. I believe that HSBC is acting unfairly towards me as they are not granting me the same access to my account as other customers. Because I am unable to access my account online I must do all transactions over the phone and there are some such as setting up autopay which can only be done online or via regular mail. Furthermore HSBC continues to provide misinformation to me each time they claim to have opened an IT ticket to resolve the issue. I have tried in earnest to resolve this issue directly with HSBC to no avail for nearly 6 months which leaves me no choice but to escalate my complaints to the Consumer Financial Protection Bureau.
Company Response:
State: UT
Zip: 84118
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A