Date Received: 2019-01-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: HELLO, On XX/XX/XXXX I paid the total balance of {$5000.00} that is displayed on my HSBC Credit card account. Few days later, I had seen {$17.00} as late payment. I contacted customer care couple of times and I clearly mentioned that I made payment in full. I requested them to close my account. I have not received any confirmation that my account is closed. In the month of XX/XX/XXXX, I had seen another charge in the amount of {$37.00} as late fee. I contacted customer care again and clearly stated that I paid the amount in full and I requested to close this account. But the customer care keep on stating that their department doesn't handle these queries. They transferred my call to another department and they told the same story that their department doesn't handle credit card queries. They keep on transferring my call across multiple departments until i give up. Recently I got a year end balance statement and it is showing that I owe them {$180.00} in late payments. I contacted customer care again on XX/XX/XXXX and I clearly explained my plight. They again transferred my call to another department stating that they dont handle credit card queries. I contacted the number mentioned on their website and I contacted another number given to me by their online chat department. Now I received another number XXXX. I will contact them again tomorrow to resolve this issue. Their customer care department is playing with loyal customers if they decide to close their account. Felt very disappointed and very bad customer service.
Company Response:
State: OK
Zip: 73071
Submitted Via: Web
Date Sent: 2019-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-18
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX v. XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX Credit Reporting Agency and/or it's attorney ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) c/o XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date ( s ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) HSBC XXXX XXXX XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX cc : XXXX Settlement Class Counsel XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX, VA XXXX
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-17
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: XX/XX/XXXX-my husband and I took out a home equity loan with the then XXXX XXXX XXXX. XX/XX/XXXX-XXXX XXXX XXXX sold the loan to Beneficial, New Jersey ( XXXX XXXX XXXX ) and removed their lien from our deed. XX/XX/XXXX-we took out a new home equity loan with XXXX XXXX. XXXX paid the remaining balance to Beneficial. XX/XX/XXXX-we completed the payment of our loan with XXXX XXXX - XXXX removed their lien on our deed XX/XX/XXXX-I found out that Beneficial is still listed on our deed with a lien. At that point I wrote to the now organization of HSBC-Beneficial XX/XX/XXXX-we received a letter from HSBC informing us that the problem is with XXXX. You will note that the letter I received was not signed by anyone. I went to our local bank to discuss the situation with them and was told that it is not XXXX, it is Beneficial ( HSBC ) that must remove the lien. So I started making phone calls, lots of them. I have faxed paperwork, I have mailed it and made several dozen phone calls to a variety of phone numbers. At one of the numbers I called, unless you know someone who works there a customer can not get beyond the answering system. Others just weren't answered or the system would answer and say " there has been an error '' and hang up. XX/XX/XXXX-I wrote yet another letter to the same address in XXXX XXXX, IL as before, in XX/XX/XXXX. I have not received a response as of today, XX/XX/XXXX. I am enclosing a copy of all the documentation I have for this as well as my letters.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: The bank 's security department has frozen my online access and is demanding some very unusually technical steps on my part to restore service. I can not access my checking or savings online or use bill pay. This decision is being implemented and rendered by a back office in XXXX.
Company Response:
State: NY
Zip: 11358
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I met the terms of the promotional bonus for {$200.00}. HSBC confirmed I met the terms but then said I had a credit card so therefore I was not eligible. There was no prohibition as the limiting terms were " consumer deposit or investment account " Despite numerous attempts they refuse to pay the bonus. See section 1. of the attached document.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-15
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, acting upon a publicly advertised offer on us.hsbc.com, I applied for a new HSBC Advance checking account. I was promised a {$350.00} welcome bonus ( terms attached ). By XX/XX/XXXX, I had satisfied all the terms of the offer. Shortly after that, I contacted HSBC via XXXX. The reply I received from them was addressed to a different person, was not written in proper English, and had little sense. Therefore, I had to make a call. The representative I spoke over the phone in XXXX confirmed that all the terms are satisfied. However, she advised me that I had wait eight weeks for the bonus to post. The eight weeks ended on XX/XX/XXXX. Since then I have talked to at least twelve different representatives trying to determine the status of the bonus. Their explanations evolved over time. First, they stated that the new money was was supposed to be deposited to a checking account, while I deposited them into my savings account. That reason failed, since the terms clearly state : " deposit ... in combined checking and savings accounts ''. Second, they told me to wait until the end of XXXX. That reason failed as well. The terms clearly state : " You will automatically receive ... eight weeks after completing all qualifying activities. It's that simple. '' Third, they claimed that my savings account was supposed to be opened after my checking account. Not so. I applied for both accounts on XX/XX/XXXX. The application for the checking account was submitted at XXXX. The application for the savings account was submitted 9 minutes later, at XXXX. Regardless, the terms only exclude customers who had an account " from XX/XX/XXXX through XX/XX/XXXX ''. I had no HSBC accounts before XX/XX/XXXX. Lastly, they indicated that they had no record of any promotion on the account. That assertion is simply laughable. Both XXXX and phone agents were able to verify the terms of the promotion and confirmed that they were satisfied. In addition, I have a copy of the webpage with the offer that I took when I applied as well as the terms of the promotional offer that I downloaded when I applied. I believe that these repeated attempts to come up with multiple frivolous reasons are racially motivated. A bank acting in good faith can not be that unprofessional. Instead, I suspect that they target customers with Hispanic sounding names assuming that they would rather give up than follow up on the promise. Based on my recent experience, I strongly believe that if a regulator requests a sample of all denials over the last three years, they will see that denials of bonuses or other benefits for customers with Hispanic last names are statistically more likely. This evidence would establish a prima facie case of disparate treatment and racially motivated discrimination.
Company Response:
State: NY
Zip: 10012
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-14
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I chatted with HSBC on XX/XX/XXXX around XXXX GMT, asking them to close my account and refund the remaining {$1.00} in the account via check. The agent on chat agreed to do this, and the chat ended. On XX/XX/XXXX, I realised I still had not received my check for the balance and logged in to see what the deal was. My account showed as still open, and had a {$15.00} " account maintenance fee '' charged against it, putting me in a - {$14.00} balance. I chatted with another HSBC rep on XX/XX/XXXX at XXXX GMT telling them to fix the negative balance, close my account, and refund the {$1.00} that was supposed to be left in there. The rep assured me they would and it would all be completed in 7-10 days. I logged back in on XX/XX/XXXX around XXXX EST, and found the account STILL open, with a negative balance. I have had it with HSBC. They are not abiding by my wishes to close my account, charging me invalid fees, and holding my remaining money hostage.
Company Response:
State: MA
Zip: 022XX
Submitted Via: Web
Date Sent: 2019-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Since XX/XX/XXXX when I reported to HSBC that my account had been attacked by fraudulent activities, HSBC suspended and blocked my account, I could not access my HSBC saving, checking, credit and business accounts at all. But for next several months hacker ( maybe HSBC insiders ) did multiple illegal transactions from my account, also took cash advance from my HSBC credit card to my check then transfer out to unknown banks. HSBC did not recover from fraud, they simply did provisional and paid credit card plus interest. Then they took money from my account to return provisional. I filed complaint through CFPB 3 times. The last one was XX/XX/XXXX, ( case number is XXXX-XXXX ). Every time HSBC told government official they solved the problem, then CFPB closed my case. For more than half year, I have never received any direct contact from HSBC. I called and went to branches many times, they just do not help me at all. On XX/XX/XXXX HSBC XXXX branch manager hind from me for 5 hours, then called police to ask me leave, because they were closing. HSBC VP of customer relationship Ms. XXXX XXXX sent a letter to New York DFS. I received a copy from NY DFS, in the letter she even messed up my account number. She said, The remaining balance in your checking account ending in XXXX is {$1000.00} but in her attached the banking statements for DFS is ACCOUNT NUMBER XXXX. Obviously, she was lying to government officials, and NY DFS closed my case as you did. So far I have not recovered all my loss. In XX/XX/XXXX, I could not access my business account, I went HSBC XXXX XXXX branch. When the manager XXXX XXXX XXXX knew I had been abroad as XXXX XXXX he suggested me to open a premier account with credit account. He had all my personal information, then he left HSBC in XX/XX/XXXX without passing my document to new manager. So in XX/XX/XXXX, HSBC asked me to fill all the forms again. And assigned a new manager XXXX XXXX for me. Not long, XXXX left HSBC with all my personal information again. That premier account and credit account were the trouble accounts.
Company Response:
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2019-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account with XXXX in XX/XX/XXXX being attracted to their welcome bonus. I called numerous times because the bonus was not deposited to my account yet, always got answer that I have met the criteria, bonus it's on the way. Now in XX/XX/XXXX customer service is telling me that I don't qualify since I have had relationship with the bank already. I have a CREDIT CARD with them that was opened before the checking account. Their offer disclosure states " Customers who held an HSBC consumer deposit or investment account not eligible for this offer. '' Credit card is neither consumer deposit or investment account, so they are doing false advertisement. Their customer service is terrible, horrible and outside US, I'm not getting anywhere with them.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account with HSBC in XX/XX/XXXX being attracted to their welcome bonus. I called numerous times because the bonus was not deposited to my account yet, always got answer that I have met the criteria, bonus it's on the way. Now in XX/XX/XXXX they are telling me that I haven't used the proper link. I am CONFIDENT I have used the proper link. This is ridiculous, they have the worst customer service. Before giving me this nonsense answer they were telling me they need my application number, why would I have this, thats their internal information, I am giving them account number now. However, I used the proper link and this makes no sense, please get it resolved
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A