Date Received: 2019-04-02
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/XXXX, I opened an online checking account with HSBC ( {$350.00} sign up bonus ). On XX/XX/XXXX, I attempted to mobile deposit check # XXXX for {$5000.00} into my HSBC account. The money was debited from my XXXX account on XX/XX/XXXX. On XX/XX/XXXX, I attempted to mobile deposit check # XXXX for {$5000.00} into my HSBC account. The money was debited from my XXXX account on XX/XX/XXXX. On XX/XX/XXXX, I noticed that both checks were debited from my XXXX XXXX account but when I attempted to log in into my HSBC account through my HSBC application ( which I used to mobile deposit both checks ), I received the following error " The account or accounts do not exist in your internet banking provile. Please contact us at XXXX for further assistance. Ref. [ PC8 ] ''. Please note that the phone number provided is for their XXXX customer service, which I did not know until later ( please see below ). On XX/XX/XXXX at XXXX XXXX, I reached out to HSBC at XXXX to understand what could have happened to my account. I was on the phone for 17 minutes and 20 seconds. The lady on the phone explained that this account was closed due to suspicious activity and that the checks were rejected on XX/XX/XXXX and XXXX and would be back into my XXXX XXXX account within 7 business days.On XX/XX/XXXX ( I decided to wait a little longer due to the holidays, to make sure I would have waited long enough ), I reached out to XXXX XXXX as the funds were still not credited into my XXXX XXXX account. When I asked what other steps I could take to find my money, the lady stated the only thing she could do to help me was to give me an image of the checks. I informed her that I had access to this but was at loss and was not sure what to do next. She said that could not help me further since the checks were both paid to HSBC, and that HSBC would be responsible for the funds. The same day, I tried to call HSBC but they were closed for the holiday. On XX/XX/XXXX, I reached out to HSBC at XXXX which was the phone number provided on my XXXXSBC mobile application, thinking it might redirect me to a specific department, more knowledgeable about my situation. I was on the phone for 50 minutes when the lady realized that I was a US customer and did not have a XXXX account. I was then transferred to the US phone number, spent 10 minutes on the phone with a really helpful lady who was willing to do a conference call with XXXX XXXX. In the process of setting up the conference call, the lady inadvertently hung up on me.I called HSBC again ( at the US customer service number XXXX ), spoke the a gentleman who transferred me to the ACH department who then let me know that this was the wrong department to talk to as my issue was about checks. The lady from the ACH department transferred me to the general customer service, once again. After waiting for about 30 minutes, I got a hold of someone and I explained my situation, for the third time to a lady. She explained that Check # XXXX was never accepted as it was " reported '' as suspicious funds ( which I assumed she meant by XXXX XXXX ), therefore, they automatically rejected check # XXXX for " not sufficient funds ''. We decided to do a conference call with XXXX XXXX. After a total of two hours of being on the phone, one hour being on the conference call, HSBC stated they could not write a letter stating what happened as my account was closed. XXXX XXXX sent me an Affidavit of Forgery, Unauthorized draft or Altered item in order to have a dispute started. XXXX XXXX claims both claims were deposited at " HSBC 1 '' and " HSBC 2 '' while HSBC claims they never accepted the checks and rejected the money. They also closed my account on XX/XX/XXXX but I received this letter at a later date. On the statement provided, we can see that no money was deposited from XX/XX/XXXX and XX/XX/XXXX. There are trial credits by XXXX XXXX that are showing since I initially tried to transfer the money electronically to HSBC when I opened this account but it appears the funds were rejected ( Even though the account was confirmed with those trial deposits ). XXXX XXXX said that the dispute would take 90 to 120 days. On XX/XX/XXXX, XXXX XXXX advised to reach out to HSBC to give them the information regarding my missing deposit, which I did on XX/XX/XXXX. HSBC stated that since the dispute was already placed, I would have to keep track of the dispute through XXXX XXXX and HSBC would be reaching out to them. On XX/XX/XXXX, XXXX XXXX stated that they sent a " Without entry Claim '' to HSBC and that the time frame would be 30-90 days. On XX/XX/XXXX, XXXX XXXX let me know that they had reached out to HSBC on XX/XX/XXXX and that HSBC informed them that they were still researching the request. I questioned what would happen after the 90 days mark, to which XXXX XXXX responded by stating that it would take up to 120 days. They asked me if I was able to take copies of the cleared checks to HSBC which I can't, because the closest branch is hundreds of miles away. As of XX/XX/XXXX, I am still waiting to hear back from HSBC.
Company Response:
State: KY
Zip: 40220
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello, I have followed and HSBC advertisement link on their website and opened a new checking account in XX/XX/XXXX. The advertisement said ; deposit $ XXXX and receive {$350.00} bonus after 90-day I have deposited $ XXXX on XX/XX/XXXX and still haven`t received the {$350.00} bonus. Called customer service 3x and chatted on their website 2x and they gave me a case id XXXX on XX/XX/XXXX They said they would call back which they did not. Thanks,
Company Response:
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2019-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: YOUR COMPLAINT On XX/XX/XXXX @ XXXX hrs I received a phone call from a XXXX number. The message left on my voicemail was an urgent message for******* ( yes they pronounced my name wrong ) formerly known as ********. Need to resolve a matter resulting in a judgement of my current property at my current address. or they'll call my place employment to resolve issue. I haven't worked for any employer for 3 years, i was medically XXXX and given XXXX. They then gave me an XXXX with a reference number of XXXX. So I called back @ XXXX hrs and during this XXXX minute XXXX second conversation i was harassed, my XXXX made fun of and was demanded to answer questions or id be sued in court. Then hung up on. All the information i got was the company was a XXXX XXXX? I asked what that was and I was taunted with " you are totally in the dark about this whole situation? '' Let me put you on hold. XXXX minutes later I was asked again if i knew what this was about. I said, i have no idea. Then he proceeded to verify some of my information. I refused to give my ssn because I wasn't getting enough information back making this a legitimate business office. About XXXX more minutes into conversation he still wouldn't tell me who he was but only said that XXXX XXXX services was a legal company looking to obtain payment of a debt. The last few minutes of conversation on his part got heated, still being confused about a credit card through XXXX XXXX that was dismissed 10 years ago through bankruptcy. His demeanor was consistently hostile. I stopped him and said my XXXX wouldn't allow the conversation to continue, he then proceeded to say i was too young to have XXXX and not being able to work. I then stated i had XXXX really bad and wont answer anymore questions until he's more pleasant. He then said XXXX has nothing to do with answering his questions. I then stated it has everything to do with the way you're talking to me. In fact, he said by you not answering my simple questions you are denying to make payments and ill note that on file. He also stated that he'll put a lein on my home that i own at the address on file. I said, what home? I don't own a house? He said, " you don't own a house with your husband? And he began to say my fathers name, i guess thinking he was my husband under my maiden name. I said no, thats my fathers name and he owns that house. He then in return said that, ok, well we'll put a lein on any future inheritance of property. I stopped him and said, listen to me, im not getting an inheritance and you are making stuff up. He then angrily said i was refusing to answer his SIMPLE questions that even someone with XXXX could answer and if i can't pay then he needed my husbands information or that other family members can pay my debt. I said you are getting rediculous here. I then said listen to what im telling you, he then proceeded to interrupt me angrily and said you are refusing to pay and we're going to put on record your blatantly disregarding and refusing to pay. He said we're going to sue you and good luck with that in court and he just hung up and ended the call at approximately XXXX hrs. For XXXX, none of the information he was giving me was correct, so if he was going to sue me the judge wouldn't waste his time with it. He was harassing and he made fun of my XXXX. When he was wrong about information he threatened on numerous occasions to call my employer to verify employment ( in which i haven't worked in 3 years ), put a lein on my parents home and sue me for non payment. I hope they record all their conversations cause they're not supposed to hang up on you. He never gave me a chance to talk. I was stuttering so bad with him because of my XXXX when he became threatening in the conversation. I advised him i had a mental XXXX and couldn't comprehend simple instructions or questions in a timely manner. He didn't care, just said i was too young to be XXXX. Im assuming there is a law protecting Americans with XXXX from threatening conversations from debt collectors. A month prior I did receive a letter stating that the debt is too old to sue me and sent me a payoff bill and if i chose to make a payment then it could be reported to credit bureaus and i could be sued for non payment. For one, the credit card was XXXX 10 years ago through bankruptcy so i ignored it because that debt was cleared. I tried to explain that to this disgruntled employee who likes mistreating people with XXXX and makes threats over the phone but he didn't want to here what i had to say. Companies and their employees like these need to be held accountable for their actions for being verbally abusive and belittling people. He said what he said because he wasnt being recorded nor did he think i would pursue his actions for accountability to his threats
Company Response:
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2019-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-31
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: HSBC USA Fraud Department denied my fraud claim without producing any evidence. I Traveled to XXXX XXXX from XX/XX/XXXX to XX/XX/2019. I lost my wallet and my HSBC credit card ending in XXXX ; the card was NOT in my possession when it was used fraudulently on XX/XX/XXXX. I don't know who used it. It was used on XX/XX/2019 at XXXX de XXXX XXXX XXXX ; The total fraudulent transaction amount was {$2700.00} I contacted HSBC Fraud Security Center immediately after I realized I had lost it. I waited for the investigation and on XX/XX/XXXX I received a letter from HSBC stating that the claim was denied. I contact the security center to receive an explanation of the investigation and proof of the purchase, and they were very secretive. I finally ask to speak with the investigator her name is XXXX XXXX. She wasn't available, requested to have her call me back, never received a call. After multiple times calling and calling to get the documentation involved in this transaction and the investigation paperwork. I was told that they had not received the credit card receipt that they had requested multiple times and that the company where the credit card was used at hadn't send the receipt yet. Then I asked why they are making me liable of charge that is fraudulent? the answer was because they feel the transaction wasn't fraud. I asked how they know I'm not telling the truth with no evidence backing that decision. They are avoiding to give answers and produce conclusive evidence of the investigation. I call and call and XXXX is never available. I really need help. I was hesitant to use HSBC as my primary bank and now I feel I was right. They are discriminating me and I feel without evidence accusing me of using the card for my benefit. I need help with this company. I'm accused and liable of a credit card charge I didn't commit. Attached is he police report. Thanks
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2019-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: In XXXX and XXXX I was at XXXX XXXX XXXX trying to the knowledge I needed to be a successful XXXX XXXX and because of the school regulations after my class was over I met after school to meet an instructor at his shop to help with homework and to help me understand how a business works at XXXX I was not an employee however a creditor started making calls there and I didnt appreciate being bothered while I was trying to learn. I went on from XXXX to go to XXXX XXXX after this creditor messed up my relationship I had with the instructor at XXXX .. Im still very XXXX this even happened and I lost XXXX dollars because I failed that semester and creditor took school funds. I told this creditor I was in school and it was on a legal document in XXXX XXXX however I was completely ignored While attending XXXX XXXX I was offered a chance to attend training and schooling at a body shop all was through XXXX XXXX in XXXX and it was not a job. In XXXX XXXX and XXXX started garnishments on student funds took XXXX creating problems with my tools then continued to take XXXX a week till XX/XX/XXXX when I was placed on medical leave Im furious that I was bothered while trying to pass a very hard course. Thanks to XXXX and XXXX my position was given to someone else and I lost the tools that where given to me XXXX from XXXX tools. My tools are now being repoed Im 13 weeks behind. So I spent 30 years trying to build a career only for XXXX up creditors to destroy everything I worked hard for. I filed many complaints on here and other agencies and was told that I was sent documents to exempt this yet no papers ever showed up at my address. I was completely taken advantage of if I knew everything about law I wouldnt be having to pay for an attorney constantly. Your a complete disgrace and hope your happy with completely destroying my life all over a debt I doubt I owed. I just had to freeze my credit do to fraud and identity theft
Company Response:
State: CO
Zip: 80104
Submitted Via: Web
Date Sent: 2019-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I got a promotion offer to open a new checking account with HSBC in XXXX, 2018. I have met all requirements of the offer for more than 6 months. I have contacted HSBC more than 5 times for the {$350.00} promotion but no any response has been provided to date. Therefore, I am filing the complaint to request HSBC honor its promotion offer.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Complaint, Resolution needed Consumer of : HSBC, XXXX XXXX XXXX., New York, NY XXXX Good Afternoon : After a very cumbersome account set-up process, over the course of several weeks, including endless codes and security measures resulting only in a loss of my time, HSBC has now blocked my account online and is using " security '' as justification for terribly deficient service. And the account is anything but secure. On XXXX, I was finally able to access my account online. While I was in the system, I changed my address. It was not critical, as I elected online access, but when we move we change our addresses. On XXXX, I received an email with a verification code and was asked to call. I did and eventually was able to provide this to the representative. He then abruptly moved the " goal post '' asking if he could call me back to verify. The code was unusual, this was more unusual. I gave him my new phone number, entered into the system by me, computer addresses are recognized now, the night before. He returned my call only to tell me he would have to send verification to my old phone number or, as I learned, there is a phone number ending in XXXX in the system -- not mine or one I have any knowledge of whatsoever. What happened to the security code? I later talked with his supervisor who went into an interesting explanation of address verification via credit reports -- as if we check in with credit bureaus before changing addresses. To date, HSBC will not change my phone number or address and claims that they can only verify the address change using a phone number that is no longer mine or the one that was never mine ( ending XXXX ). Today, they continue to completely block me from my account. I see online that people are withdrawing their money from the new accounts without the promised promotion -- and I'm sure the withdrawal is no easy task. I need your help resolving but I do hope you will also keep in mind that they may well be leveraging government " money laundering '' concerns to hang on to assets, that I can't see, and as a distraction to paying promised promotional monies ( my exasperated neighbor was told that they would not be receiving a {$400.00} promotion because of some obscure problem with the online application ). Thank you for assistance, XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Company Response:
State: WI
Zip: 549XX
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: When trying to pay my rent online, I discovered that both my Debit and Credit cards have been blocked by HSBC bank, with no explanation, despite my account having adequate funds available. I spent all day calling the HSBC fraud department, but they just keep putting me on hold, until finally they went home for the day. If I do not get my card unblocked and pay my rent by tomorrow, I will be fined late fees, for which I think HSBC should be held liable.
Company Response:
State: CO
Zip: 80525
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: HSBC advertised {$750.00} sign on bonus after depositing {$100000.00}. I confirmed this offer with them in XXXX ( see attached ) and I completed the requirement on XX/XX/2018. Now it's been over half a year and I still haven't received the sign on offer. I attempted to contact them but now they say they can't find this offer ( see attached ). They have been very slow in responses and I've tried to contact them multiple times. Please let me know if you need more information.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-25
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 was travelling in XXXX, XXXX in XX/XX/2019. I lost my HSBC cash rewards master card when I was in XXXX. After I came back to the US from XXXX, I found out an unauthorized transaction of {$2200.00} happened on XX/XX/XXXX and I realized that I either lost my card or someone took it from me. I reported the situation to HSBC and hoped that they might be able to help me resolving the issue. But they denied my request. They are not being helpful and useful during the whole process. Please help me with this problem.
Company Response:
State: OH
Zip: 44106
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A