Date Received: 2018-12-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Back on XX/XX/2018 two fraudulant charges where placed under my XXXX account 1 ) {$330.00} 2 ) {$370.00} For items i never purchased, received or have proof of even ordering. XXXX is claiming that because it was done online and have since closed my online accounts ( to prevent further theft ) they have no history of anything and that I must have made the purchases bc there is no way to check. My bank HSBC will not refund me the money because XXXX is saying that i have made previous purchases so therefore, i pre-authorized any charges on my account.
Company Response:
State: NY
Zip: 11784
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX we called HSBC Bank to close out account. They told us that they would mail us a check for {$730.00}, On XX/XX/XXXX we called to see why we had not received our check. We were told that it takes 5-7 business days and the check was written on XX/XX/XXXX but might not have gone out until XX/XX/XXXX. Called XX/XX/XXXX. Check takes 7-10 business days and should arrive soon. It has been 10 days today. Wait it will come. Called XX/XX/XXXX. Check has not arrived. XXXX will check on it and call back tomorrow. Did not call back. XX/XX/XXXX we called. They will stop payment on the check but we need to sign an indemnity letter first. This must be mailed to us not faxed or emailed to verify we can receive mail at our address. On XX/XX/XXXX the indemnity letter was received by us. We completed it and had it notarized. Sent through US post office with signature requested. Letter received by them XX/XX/XXXX. Stop payment requested, but must first be cleared through bank. We need to wait until XX/XX/XXXX and a new check will be issued. We called XX/XX/XXXX. Check was mailed XX/XX/XXXX. Please allow 5-10 business days.
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/18 I opened an HSBC Advance online bank account. Shortly after, I have not been able to get access to this online account to transfer any money into it or do any other transaction. Since then I have called HSBC several times to have them resolve the issue with the online account. I have been put on very long holds up to 1 hour or more without any resolution. On one occasion, a representative took my number and told me that someone will call me back to resolve this issue. Nobody ever called since then. Subsequently, I have tried to close this account but have been unable to do so because again I am either being transferred or put on hold for a long time without any resolution. HSBC simply refuses to do anything. And I am sure, 30 days after my account opening they will begin charging their maintenance fees.
Company Response:
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Company advertises a cash award on their Premiere checking account if a specific deposit amount is made and maintained for 90 days. I made the specific amount deposit on XX/XX/2018. To date I have not received the cash award despite calling 10 times. They have opened at least 3 'cases ' during this time, are constantly telling me they can not respond for a week. This is obviously a scam designed to accept my money and hold on to it for as long as they can. Please help me to resolve this issue with them.
Company Response:
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: About a month ago I applied for one of your credit cards I gave you all my information address date of birth phone number social security number I even gave you my drivers license number a few minutes after submitting the application you said that it was denied because you couldnt verify me so I called the number I spoke to a woman who knew absolutely nothing she said that some automated system said they couldnt verify mean but she couldnt tell me exactly what it was she couldnt verify she suggested I reapply a few days later why I waited a little longer than a few days but I reapplied just a couple days ago Application ID XXXX once again I gave you a ton of information more than what most applications asked for I mean you asked for my employers address you asked for my drivers license information I gave you were off but once again you send me a notification saying you cant verify who I am how was that possible? With all the information I gave you if you cant verify meet what is it that youre missing I answered all of your security questions I know sometimes credit reports can have different things on them but theres no way that twice I answered all those questions wrong I just dont believe it
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/18 : I applied for the HSBC Platinum Rewards MasterCard and received an email response that they would review the application and respond within 7-10 days if they needed addition information. XX/XX/18 : I received an email from HSBC asking me to send in proof of my address in the form of a tuition bill, utility bill, or lease agreement and SSA benefits letter dated within 60 days. HSBC provided a link in the email to upload the documentation. I clicked the link and uploaded a copy of my utility bill which had the address that matched the address I put on my application. XX/XX/18 : I called HSBC to check the status of the application, was told by the representative that I needed to submit the documentation they requested. I told her I did, she put me on hold, then came back and said she did see that I submitted the utility bill, and I then received an email that I was approved for the HSBC Platinum Rewards MasterCard and that I would be receiving my card within 7-10 business days. XX/XX/18 : I received the HSBC Platinum Rewards MasterCard. I followed the link provided on a sticker on the front of the card to activate the card online. I followed the activation procedure and successfully activated the card. I then attempted to add the card as a form of payment for a monthly auto-billing and it was declined. I called the customer service phone number listed on the back of the card and after 2 different calls in which I was on hold for over 40 minutes, I finally reached an agent who looked into my account and told me that my account was blocked and the only department within the institution that could remove the block was closed and that I needed to call back between XXXX and XXXX EST the next day. XX/XX/18 : I made 2 different calls starting at XXXX EST to HSBC 's credit card customer service department. After spending just over 2 hours total time on hold, I got through to a representative who then transferred me to the department that could remove the block, which turns out to be their " Security Team ''. I was told by a representative of the Security Team that they could not verify that I own the phone number that I put on my original application and that was associated with my account, even though I was calling them from said phone number and they could see that. The representative said they would not remove the block until they could verify my phone number, and told me that the card had been blocked right after it was mailed out to me. I offered to email her a copy of my wireless phone bill to verify my phone number and the representative told me that that was unacceptable as proof of my phone number and that the bank would, " conduct its own investigation '' to verify my phone number and that this could take up to 24-48 business hours, or up to 6 business days. I told this woman that this situation was absolutely outrageous. That I had never even heard of a bank blocking a new card before the customer ever even received the card or had the chance to activate it, and then I asked her to please close the account. She said she would not close it because she could not verify my phone number. Following this conversation, I XXXX to @ HSBC_US about the situation and was told to email them at the provided customer service email address, which I promptly did. A couple of hours later, I received a phone call from an HSBC representative. I described the situation and she said she could verify my identity by me generating a security code through the HSBC mobile app on my phone and then logging into online banking on the computer with said code. I did as she requested, she verified this, and said she could remove the block. After being placed on hold a few times, she came back to tell me that she needed to contact the same Security Team to ask them to complete the removal of the block. After placing me on hold a couple more times, she said the hold time was long and asked if she could call me back. I said she could and about an hour later, I received a call back from her. She told me that because the Security Team originally said they needed to conduct their own investigation into my phone number that the block could not be entirely removed and that a representative from the Security team would absolutely be contacting me to finish the block removal process within 24-48 hours. XX/XX/18 : I decide to conduct some research into the HSBC Platinum Rewards MasterCard only to discover that a number of other people have experienced the same exact problem as I have. One individual had their card blocked right after it was sent out only to call in and be given the same exact excuse about their phone number not being able to be verified and this person has had the block on their account for almost 2 months now. There are a number of other individuals who have had the same exact problem and have been given the same exact excuse. I have come to find out that HSBC requires you to use the card within the first 3 months to trigger their 12 month 0 % interest promotion. I have come to the conclusion that it appears that HSBC is blocking new cards as they are sent out, and will not remove the block in order to prevent cardholders from using the card within the first 3 months in order to trigger the 0 % interest promotion. Essentially, they appear to be running a scam regarding the 0 % interest promotion in order to entice people to apply for the card, and once they are actually approved, HSBC then promptly blocks the card after its sent out and refuses to remove the block. This, in my opinion, and the opinion of a number of other cardholders, is fraud being conducted by HSBC and is causing undue harm to creditworthy individuals who can verify they own their phone numbers, yet HSBC will not accept proof of their phone number ownership from the customer. XX/XX/18 : It is now 96 hours after I was told I would receive a call back from the Security Team within 24-48 to complete the removal of the block on my card, and I still have received no such call and there is still a block on my card. I am now in possession of a card that was issued over 2 weeks ago, had a block placed on it while in transit to me, and that have not ever been able to use. The account showed up on my credit report about a week ago, and the new account along with the inquiry to open the account has dropped my credit score 41 points, and this is because of a credit card that HSBC refuses to close, and I still can not use. I would implore the CFPB to investigate this apparent HSBC Platinum Rewards MasterCard 0 % interest scam in which HSBC is approving customers for the card, then blocking the card when it is sent out, not allowing the customer to prove ownership of their phone number, and all in an apparent effort to keep the card blocked for the first 3 months the account is open in order to prevent the cardholder from using it and triggering access to the 12 month 0 % interest promotion. I am one of dozens, and possibly hundreds, if not thousands of new customers to be a victim of this apparent HSBC Platinum Rewards MasterCard scam, and I sincerely hope that other US applicants do not fall for this scam and get defrauded by HSBC as I, and many others, apparently have. The bank refuses to close my account per my request, and once again, I am left in possession of an HSBC Platinum Rewards MasterCard that I can not use and that has caused a level of damage to my credit report that will take months to recover from.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I applied for an HSBC Choice Checking Account after visiting their website and being offered a {$200.00} account promotion. I have screenshots and saved emails showing the terms of the promotion, which state : " Open new HSBC Choice checking account by XX/XX/2018 ; and Deposit a minimum qualifying balance of {$1500.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening ; and Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance. I met all terms and conditions more than 2 months ago on XX/XX/2018, but they still haven't paid the bonus. The official terms state " You will receive the {$200.00} welcome deposit in your new HSBC Choice Checking account approximately 8 weeks after completing qualifying activities. '' Well, more than 8 weeks have passed and they continue wasting my time instead of honoring the contractual agreement.
Company Response:
State: TX
Zip: 79407
Submitted Via: Web
Date Sent: 2018-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2013 a undisclosed amount was taken from my account. The bank allowed my payroll check from my employer to be reversed without notifying me to make sure it was no fraudulent activities which it was. The bank failed to secure my money and told me theres nothing they can do and Im basically XXXX out. I dont think its ok that my account should be in the negative because the bank neglected my account. Please can someone help me because my employer lied after I quit my job because he was upset that I left stating that now he doesnt think I deserve my check from XXXX XXXX XXXX At XXXX XXXX XXXX XXXX ny XXXX. I was scammed from both the bank my old employer and his payroll company. The bank saids that have nothing to do with it but they do when I signed a contract with them to protect my money.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2018-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Once again, allow me to enlighten HSBC in regards to their lies and misrepresentation as noted in their CFPB response XXXX, HSBC states, " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). '' In all fairness, this is correct. However, the following statement is clearly an avoidance to truthfully state the facts. HSBC further states, " It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. '' This response is nothing short of preposterous. HSBC knows full well that XXXX XXXX XXXX XXXX is described in the deed dated XX/XX/XXXX. This is evidenced by HSBC ( formally Beneficial ) underwriting three previous mortgages, all of which contain the deed description of the XX/XX/XXXX deed and match the property of XXXX XXXX XXXX XXXX. They are as follows : XX/XX/XXXX XXXX XXXX, page 944, XX/XX/XXXX XXXX XXXX, page 238 and XX/XX/XXXX XXXX XXXX, page 347. All of which have been properly discharged. HSBC continues to be deceptive in not clearly admitting that the security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX, which they sold to XXXX is not the property of XXXX XXXX XXXX XXXX. As a result, XXXX and associates are trying to wrongfully foreclose on a property they have no security interest in. I would like written confirmation from HSBC stating that what I have outlined above is the truth. I encourage them to fact check my investigation of this matter. Their fraudulent deception of trying to protect XXXX and it's associates in their attempt to fraudulently foreclose is ridiculously unacceptable and unbecoming of any business that deals with the public.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-28
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: 1- XXXX has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State SCP Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX XXXX estate, I am requiring the claimant to present proof by affidavit. 2- In CFPB response XXXX, HSBC states , " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. HSBC held a security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX ( copies enclosed ). HSBC sold the loan at issue to XXXX XXXX XXXX effective XX/XX/XXXX. '' HSBC has thus confirmed they have never held a security interest in XXXX XXXX XXXX XXXX, as this property does not lie in the meets and bounds of the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770, and is absolutely not the property contained as a security interest in said loans. However, XXXX continues to force place insurance and threaten legal action with regards to XXXX XXXX XXXX XXXX ; a property in which they have no security interest in. It has been well documented XXXX 's actions are both fraudulent and deceptive.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A