Date Received: 2023-05-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I began receiving calls from a number that I did not recognize ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). When I XXXX the number it said XXXX XXXXXXXX XXXX, so apparently the real number was being spoofed. Since the recorded message commenced before the voicemail started recording, I just called the number back on XXXX to see who it was. The lady said she was from XXXX XXXX XXXX and was calling about a previous credit card ( HSBC, opened XX/XX/XXXX ). They supposedly sent verification to my home with a settlement offer and stated I never responded. They did not. ( I have USPS Informed delivery and it shows all my mail ). She said the account went delinquent in XXXX and they are contacting me for payment before filing with my current county. While I do not recall ever having this card, I was still surprised of collection activity on an account where the statute of limitations has long passed. Credit agreement debt in Louisiana is 3 years and some courts find it is a violation of the FDCPA for a collection agent to pursue a debt collection lawsuit against a consumer after the statute of limitation expired ( Kimber v. Federal Financial Corp. 668 F.Supp. 1480 ( XXXX ) ). The agent proceeded to send me a text with the attached document of the debt. It does not include the dates, so I will reference what was told verbally is that the account was opened in XX/XX/XXXX and went delinquent at some point in XXXX.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Please see closed complaint # XXXX. HSBC bank acknowledged they have my funds and agreed to return if my bank, XXXX XXXX, would supply an indemnification statement. My bank states they have done so on a number of occasions. HSBC first stated wording was not to their satisfaction, then stated it was not in correct format. This exchange between HSBC and XXXX XXXX began on XX/XX/2023. I am getting the runaround from XXXX XXXX, Complaint Specialist, at HSBC. My bank states they are complying with XXXX, therefore, it appears XXXX is attempting to not return my funds. Other information : I have attempted to indemnify my bank, legally by means to their satisfaction. I have offered to open an account at HSBC so they could simply transfer funds to that account, I have offered to pay for an expedited check to me and HSBC will not accept any other means to return funds other than requested in their correspondence to me on XX/XX/2023. This is unacceptable and an unfair practice given the numerous suggestions I have provided to mitigate this matter. Please reengage in this matter so I can receive funds all parties agree are rightfully mine.
Company Response:
State: MI
Zip: 48178
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2023 I was notified by a distant relative that she had received a voicemail message from XXXX XXXX XXXX informing her to get a message to me about an important matter that needed to be resolved before I was served with documents. I called XXXX and spoke with XXXX XXXX. He asked for the case # and I gave it to him. He asked for my date of birth & I told him that I wasn't comfortable giving him that information since I didn't know with whom I was speaking and/or what the case was about. XXXX told me that he had my SSN ( he read it to me ) & told me that he could make my life very difficult and have me served with court documents if I didn't comply. I asked him why providing the case # wasn't sufficient and he hung up on me. I called back & spoke with XXXX XXXX, who said he was the Director of Operations. He then told me that his company had been given permission by XXXX XXXX to collect an old balance that I had with HSBC and that the balance had been added to my XXXX XXXX account, since they had recently purchased HSBC XXXX XXXX. He also told me that I needed to pay {$1900.00} on the phone right then to settle the outstanding amount of {$4600.00} and if I refused or asked for verification of the debt It would waive my rights to settle for a smaller amount in the future and that his company would file a tax lien with the IRS and/or send a 1099 to the IRS because the credit that had been extended to me was considered to be income. XXXX XXXX stated that XXXX XXXX had frozen my current credit card with them until the balance to HSBC was paid in full. On XX/XX/2023 I spoke to XXXX who said that she was the Vice President of Operations in the Corporate Office. She said she would obtain proof of the debt and send it to me. I told her that by law, it needed to be provided in 5 days. As of today ( XX/XX/2023 ) I still have not received validation of the debt. On XX/XX/2023 I sent XXXX an email to obtain the status of my request. I still have not received a reply. I am still getting phone calls threatening to have me arrested, have the debt placed on my credit report and threatening to sue me. Someone named XXXX even threatened to disseminate my SSN to other people for egregious purposes.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I currently can not access the funds in my account. When I called to check on this after verification from the fraud team by phone last week and by text on XXXX Yesterday after confirming my attempt to purchase I received a text saying my card is available for use. But I could not use it. I called and was transferred and told my account is blocked and under review. I then asked for a supervisor to gain access to the funds that were just deposited into the account. I was met with back and forth and then settled for a call back. I was given incorrect work times and was not called back. When I called again today XXXX I was told supervisors are gone by XXXX EST. I was told XXXX yesterday. My auto pays are blocked and now Im not only late but having to pay fees and its affecting my credit. There has been a lack of communication. I didnt receive an email or letter stating this could happen. When a representative called me last week I was not told it was a risk or that its being reviewed or else I would have sent my direct deposit to another account that I can access and not one that is blocked. I just need to get my money asap! This is all I have access to for day to day and bills due. I have a chronic illness and I cant even pay my co-pay because I can not use my debit card. And they act like its not an emergency and I have days to let them take their time for an escalated matter dealing with my money.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Since XX/XX/XXXX, the mortgage department of HSBC Bank ( HSBC Bank USA, N.A. ) has not responded to my request of 2 refund payments as below : 1 ) A {$990.00} refund check which I have never cashed out and is already overdue. I request them to send me a new check. 2 ) A wrong escrow charge of {$470.00} ( {$1200.00} vs {$800.00} ) for my mortgage loan on XX/XX/XXXX, because the insurance company did not send the insurance information in time. This escrow charge should not happen because this account is not an escrow account. I request them to send me a refund check. I have talked with HSBC Mortgage customer service people several times since XX/XX/XXXX. Every time I had phone calls with them, they told me it requires 60 business days to process. Here are the histories of my phone conversations with the customer service people : ( a ) XX/XX/XXXX : A customer service person told me it requires 60 business days to process. ( b ) XX/XX/XXXX : The same customer service person as in ( a ) told me to call back in 2 business days for status. ( c ) XX/XX/XXXX : Another customer service person told me it requires 30 to 60 business days to process. ( d ) XX/XX/XXXX : Another customer service person told me it requires 30 to 60 business days to process. Then, on XX/XX/XXXX, I sent an email to HSBC Mortgage customer service about the request with the histories, but still have not received any response from them as of today ( XX/XX/XXXX ). It looks like that HSBC Mortgage is pushing back my payment request indefinitely, with an excuse of 60 business days to process, whenever I talked to them.
Company Response:
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: HSBC sends various promotional and survey emails stating they are important account information when they are not. There is no unsubscribe link to unsubscribe from these messages that are clearly survey or marketing emails under the guise of important account information and hence dont contain the unsubscribe link.
Company Response:
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Good day Sir/Ma'am, how are you hope all is well, My name is XXXX XXXX , I'm writing this complaint letter in hopes of getting help from your agency to get my issue elevated to HSBC 's executive office and receive my sign on bonus of {$500.00} ( welcome bonus ) .I believe your agency is empowered to take needed action and get a resolution as soon as possible.I trust your agency that this issue would be completed in timely manner.Anyway I took advantage of their sign up bonus promotion back in XXXX XXXX so I attempted to sign up for a new checking account # XXXX, I set up direct deposit of $ XXXX with a reference # XXXX from HSBC 's website, per conversation with HSBC and XXXX XXXX reps. the automatic deposit was set up correctly and all was good.FYI I left more than enough to cover the 3 consecutive months direct deposits, this was back in XX/XX/XXXX, and so I thought, little did I know after their waiting game of 4 months, they failed to credit my premier checking account the {$500.00} sign on bonus ( instead they gave me XXXX cents and email survey ) I then realized this promotion HSBC was running at that time was more like a lead on bogus and not sign on bonus.It 's unfortunate burden falls on me to spend countless times/hours speaking with their customer reps. ( At this # XXXX spoke with XXXX XX/XX/XXXX she said to call the other dept.I did and spoke with XXXX he said somebody from higher up will be getting back with me within XXXX hrs in which never happened.HSBC other # XXXX today XX/XX/XXXX spoke with XXXX after I told him what happened and get status of {$500.00} sign on bonus, he just breathes on the phone and not say anything so I then hang up after I kept saying hello repeatedly without any help but a complete waste of time ( this money on XXXX XXXX bank I left aside would've yielded 4.1 % if I left this money on my other bank, not XXXX XXXX ) Needless to say writing this complaint letter to send to your agency and HSBC survey dept.to leave my feedback out of my busy schedule to get your agency involved in hopes to get this resolved ASAP.At this point I'm patiently waiting for HSBC 's response and resolution.If you need to reach out for question/clarification XXXX feel free to call me @ XXXX or via email : XXXX you for your involvement with this XXXX a great day.God bless!
Company Response:
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Yesterday, on XX/XX/XXXX, I noticed a significant drop in my credit score and conducted an investigation to identify the reason behind it. Eventually, I discovered a derogatory mark on my credit report that was caused by a credit card ( HSBC Bank USA ) that I had not used in three years. Since it was past business hours, I called the bank the next day to inquire about the issue. A representative informed me that the bank had undergone a recent buyout, and I had an outstanding balance on the card. However, I clarified that I had not used the card in three years and disputed the fraudulent charges that were made in XXXX. The representative advised me to contact the dispute team the next day and updated my mailing address, which was outdated. The following day, I spoke to the dispute team and reported the fraudulent charges. The representative questioned me about disputing it to the credit bureau, stating that they had sent statements to the address. However, I explained that they had an outdated address and that I would have disputed it immediately if I had known about the balance. Eventually, the representative took the claim and informed me that it would take 60-90 days to review. Further investigation revealed that HSBC had sent an email on XX/XX/XXXX, before the fraudulent transactions, informing me that my credit card would be closed on XX/XX/XXXX due to a sale to another service provider. On XX/XX/XXXX, I received another email stating that the date had been pushed to XX/XX/XXXX, which was around the time of the fraudulent transactions. I was not notified of the charges or provided with any statements. In addition, I have an ongoing dispute with XXXX regarding the derogatory remark ( which is not on my XXXX and XXXX credit reports ). I have also filed fraud alerts with all three credit bureaus and submitted a complaint to the Federal Trade Commission.
Company Response:
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX - XX/XX/XXXX - I submitted a {$6000.00} wire transfer from my HSBC account to my brother in XXXX. the wire was to my brother 's HSBC account which is in US Dollar. I have submitted a wire transfer previously from the exact same account in HSBC in XX/XX/XXXX and it was received by my brother HSBC account in Us Dollars. XX/XX/XXXX - My brother called me and said the money is sent in Eqyptian pound, and they won't give him US Dollar as they did on XXXX XXXX XXXX XXXX. I called back the bank and told the representative that money is sent in Eqyptian pound instead of US Dollar and it should have been sent in US Dollar ( my back account is US Dollar and by brother 's account is in US Dollar ). Also, back in XX/XX/XXXX had sent another wire and there was no issue with that. My brother received the money in US Dollar. The representative suggested that it best to recall the wire and then resend it back. I said OK, and she said she'll open a recall request and it would be processed and money should be returned to my account within 4-5 days. XXXX XXXX Money was not back in my account I got worried so I called back XXXX customer service. Spoke to a manager and went over the same thing with her ( we were on the phone for about almost 2 hours ), we requested the issue to be escalated and requested result by the XX/XX/XXXX. We did not get a call back until Friday XX/XX/XXXX... got a XXXX and I called again back Monday XX/XX/XXXX and left voicemail. XXXX - Spoke to XXXX which was a manager, again went over the same process. We again explained what happen but this time the manager said that the only way to receive my money back is to accept the conversion rate between Egyptian pound to a dollar which was news to me. I have sent the money in US dollars to an account in US dollars and I have done this previously how come they money turned to Egyptian pound. And XXXX stated the conversion happens automatically which doesn't make any sense because as a customer we should have the choice to send the money how we want it ... this is how it is with the other banks. XXXX stated now there will be conversion fees applied etc. And now customer service decided to come up with a new sneaky way to blame me for sending the money in Egyptian pound which has not happened because I have previously sent the money in XXXX and it was received in Us Dollars. It is getting very frustrated I have been lied to by the XXXX customer service saying that my money will be recalled in 4-5 business days but till today I did not receive my money. They keep bouncing me around from one agent to another with no help. I am getting very desperate and scared for my money and I need help. It's insane that how long it's taking HSB to resolve the issue and the money is not in the account. HSBC should not be be able to decide on my behalf how the money should be sent to another party, it's my choice. I have the receiver 's account setup in US Dollar and it should be received by them in US Dollar. Our claim # with them is XXXX
Company Response:
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My account was suspended by HSBC USA without any reason. They asked me to called them to provide the information of recently activities and said they will get back to me in two days. However after 10 days my account still locked and the customer service didnt give me any useful information and just let me wait. I am very disappointed and need the money in my account for paying the rent. The bank account number is : XXXX Name : XXXX XXXX XXXX : XX/XX/1997
Company Response:
State: NC
Zip: 27705
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A