Date Received: 2018-11-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I'm an XXXX XXXX solider who serve his country and HSBC doesn't provide XXXX percent customer service they told me that would help me out with fraud transaction, as stated on their ad, we aren't XXXX percent reliable for these fraud transaction and these are the charges XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XXXX XX/XX/2018 XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX I was told that it was supposed to be credit back but it never gotten transffer from the previous card ... i called the customer service rep we spend over an hour on the phone so i got fed up with it. so now im deciding to write this letter so the world can see it.
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2018-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: ISSUE : HSBC Bank refuses to pay promotional offer to Retired Military member because of military payment schedule FACTS : ISSUE : HSBC Bank refuses to pay promotional offer to Retired Military member because of military payment schedule FACTS : - In XX/XX/2018, HSBC offered up to {$600.00} for opening a HSBC Advance checking account by depositing and maintaining at least {$5000.00} in an HSBC account and initiating a recurring ( on a monthly cycle. ) direct deposit to the Advance account. The promotional payments would by calculated as 2 per cent of the direct deposit per month with a maximum of {$50.00} per month for 12 months. - In XX/XX/2018, I took advantage of the above offer and directed the U.S. Defense Finance and Accounting Service ( DFAS ) to redirect my monthly XXXX XXXX payments to the HSBC account. - No promotional payment was made for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. The explanation was that no direct deposit was made that month. Further, I was charged {$25.00} maintenance fees ( since reversed ) for two of those months. - DFAS frequently makes monthly Military Retiree payments a day or two before the first of the month resulting in some months with two payments and correspondingly, some with none. ACTIONS TAKEN : - Summer and ongoing. Ive tried working with XXXX, Va branch. They could reverse the maintenance fees, but could not fix the payment issue. - I wrote the President and CEO of HSBC, NA on XX/XX/XXXX laying out the issue with no response until I again asked the local branch to prompt action. - On XX/XX/XXXX, I received a generic acknowledgement of my concerns from the HSBC Manager of Customer Relations in XXXX, NY. - After immediately thanking them, I asked for a status report on XX/XX/XXXX, nothing heard as of XX/XX/XXXX. - I again asked ( via email ) the manager of the XXXX branch on XX/XX/XXXX for a status report, again nothing heard. - On XX/XX/XXXX, I called the Customer Relations Manager in XXXX and left a message. Nothing heard since.
Company Response:
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2018-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: My complaint is that XXXX XXXX XXXX out of XXXX XXXX California called me on XX/XX/XXXX telling me I owed roughly {$3000.00} on a credit card. I know this is not true because I filed it with my bankruptcy in XX/XX/XXXX. The lady that called me said that the lawyer was following through with it today, whatever that meant I dont know. The lady also said that their company may freeze my bank account, put a lien on any property that I own and keep my wages from my employer and take any tax refund that I may be able to receive from the IRS. I never received anything in the mail on this issue and the XX/XX/2018 was the first time I have heard from this company. I dont owe anything to anyone on this credit card and I didnt like them threatening me.
Company Response:
State: IL
Zip: 62864
Submitted Via: Web
Date Sent: 2018-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: My Name is XXXX XXXX HSBC costumer checking advance account # XXXX, On XX/XX/2018 I open an online checking account with HSBC bank within of {$350.00} welcome bones for {$10000.00} deposit new checking account a least 90 days and after that {$350.00} will posted on the new account after 6 to 8 weeks of that 90 days. When my time was up I called to find out why my welcome bones havent been posted on my account. I contacted many times costumers services for more than two weeks and all of them gave me hard time. Finally on XX/XX/2018 one of them created investigation referral # regarding my issue. On XX/XX/XXXX I call costumer services regarding my issue. They was looking on the investigation and came to the conclusion that my {$350.00} welcome bones was denied because first I didnt open through the on the line now button in order to qualify for the promotion, which it is a lie, because that was the only way to apply on the line and the second of the reason is that I had an open account prior of application which that is lie too. I had an active credit card account which is not part of conditions to qualify for the promotion. When I so that was very difficult to deal with that person I ask for the supervisor Mr. XXXX XXXX ID # XXXX who behaved in the same way of his prior coworker. Without choice I asked for his supervisor chain and commend Mr. XXXX XXXX who behaved in the same way of his prior coworker. I so they were orchestrated in the same way no chance to resolve in the way supposed to be resolved. I think that they behavior is as result of HSBC higher management, who order them to lie by posting false advertisement and give fake resolution. took my money Due to the false advertisement they make me to transferred {$10000.00} from XXXX XXXX to their bank, keeping my money for more than six month and in the end they said XXXX you. They justification for denied my welcome bones was that I wasnt applied from so call now button from their websites which, that is a lie. There is no way that a customer can open an online checking account from other websites that will open an HSBC checking account who took {$10000.00} from XXXX XXXX to HSBC and can be denied that wasnt open from their now XXXX. The evidence shown that I applied from that web side and the account was open from that website period. Also they claim that the second reason I was denied because I had an active account prior to open that account. That is the lie too. I didnt have a prior account. The terms and conditions clearly stated that disqualification for this promotion is if the customer has an account including checking, savings, CD accounts or other investment but didnt include credit cards as non-qualified conditions. Also other issue having with this bank is that a week after I open my online account I referred my family member XXXX XXXX to open through the phone line and advance checking account in order for me and her to receive {$100.00} bones each. For this issue their excuse is that my refer code wasnt generated at that time. But the real reason of not generating my refer bonus code was because HSBS computer system at that time was updated that most of the customers had for weeks problem. So wasnt clients fault that their system had the problem. However they dont want to recognize their fault, HSBC purposely put false advertisement to benefit from their customers, but when comes to giving bones they deny customers. by creating false narratives. So to proof my clam Im including an advertisement information for {$350.00} advance account welcome bones and {$100.00} bones for referring a friend or family member.
Company Response:
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2018-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I received a voice message from XXXX that said that I was being served if I did not comply with the matter. Unsure of the matter, I called the company. They said HSBC had an open case against me and asked if my name was " my accurate name '' getting caught up in the moment, I confirmed my name. They then asked if four digits were the last four of my social security number. They were not however I now believe that I implicitly gave the scammers valuable data against myself. Please be careful when anyone contacts you from a number not known.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2018-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
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: My statement from HSBC from XXXX included 13 unauthorized transactions in gas stations, all with amounts over {$80.00}. These transactions put my account over the credit limit. I first contacted HSBC about these transactions on XX/XX/XXXX because my card was blocked. When I called them turned out I was over my limit as we reviewed the recent transactions that is how we realized of the fraud. Although they started a fraud investigation at that point, temporary credit was never given and my account continues to be over the limit. My old credit card was cancelled and a new number was reissued but I was never given a new card due to the over limit. On XX/XX/XXXX, I called again because I received a Claim form to complete and I wanted to make sure I was providing everything they needed to complete the fraud investigation. I was asked to fill out a police report which I did and sent along on XX/XX/XXXX with the completed Claim form. I was told at that point that as soon as they receive this information I will be contacted by the fraud investigator and as of today XX/XX/XXXX that has not happened. I received an statement with close date of XX/XX/XXXX and still shows the balance that includes all the fraudulent transactions. All the fraudulent transactions are considerably higher than my usual transactions at gas stations of around {$40.00} that can be seen in my transaction history. Also, none of them are at my city and I can prove I was working in town while they happened. In addition to all of that my credit score went from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I am pretty sure that is as a result of this because nothing else on my credit has changed. When I mention it to them they said that because the card is over the limit they report it to the credit bureau and that will affect my credit. This is not fair as the reason why is over the limit is not my fault. I am reaching out to you to help me get this investigation resolved once and for all.
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2018-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: daily harassment from XXXX XXXX on monthly payments that are not even due yet - literally 10 calls a day asking about my payment when I have a grace period of the XXXX of every month. due date is the XXXX of the month - 15 day grace period puts the payment off until the XXXX of every month. Yet they call me 10 times a day and I have to explain this to the reps even though they have the information right in front of their screen and they confirm it every time - " ... yes sir, correct sir, you have until the XXXX to make the payment sir. '' I have lost my patience -- -- - this is 100 % HARRASSMENT!!! don't do business with HSBC ... ... its their policy to harass you ... ..even when you are making timely payments ... ... .ridiculous!!
Company Response:
State: NY
Zip: 11416
Submitted Via: Web
Date Sent: 2018-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX I received a phone call advising me that legal actions were being filed against me. The individual I spoke to stated that the card was opened XX/XX/XXXX. I called the number that was advised to call at XXXX and I was infromed of the fraudulent card I did NOT open. They claimed to be a legal office representing HSBC Card Services. When I informed them that this was a fraudlent card they accused me of denying a card I opened and insinuated I was lying and told me " I was not man enough to pay a credit card I opened. '' They ended the call then and there.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2018-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I address to you at this opportunity in order to request the following : opened an account from XXXX in the XXXX XXXX XXXX, Client Number XXXX XXXX, which had an office in the City of XXXX , XXXX . This bank closed its facilities and sent Bank representatives to XXXX who said that her account had passed to XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, with the same account number. The Account was managed from XXXX which evidences the existence of the account and the address which In the last quarter of XXXX, my client was informed that XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, was no longer going to operate and that her account would be transferred to HSBC BANK USA. On XXXX, my client receives a notification to her son 's email which is : XXXX which said that she had to sign the master deposit On XXXX HSBC BANK USA, opens the account Number in my name, having been present to provide any security data for the Bank. On XXXX, my client received an email from HSBC BANK USA to send the transfer instructions. On XXXX in the same an email receives instructions to close the account i had in The In order to expand the information about it, to which he received no response. By the time the account still could not be used. On XXXX and XXXX, i sent an email requesting information for the account for not having received any type of communication. On XXXX my client sends an email in which i indicates that i wants to travel very soon in order to fix the situation in that financial institution. On XXXX i receives a communication stating that after so much time, i must inform in advance what day they will be in the city to make an appointment. On XXXX i receives an email in which is instructed to contact the Bank ; due to the situation of the country in XXXX, it is almost impossible to communicate with the United States and, as we have already stated, when they called to request authorization for a card or account to be paid, they did not respond and the account could not be activated. i thought it was the same .On XXXX an email was sent stating the following : " Good afternoon, sorry I did not answer you before. I do not have the pleasure of meeting you since the contact I have had has been with Mrs. XXXX and I made arrangements with her to make a personal visit to fix our situation ( my mothers and mine ) before this prestigious banking institution, but our visit has been delayed. I am at your disposal for what you need. My phone numbers : home and cell ". The email was underlined and bold as the example above. As seen in the email, by this date, it had been impossible to use the bank account in HSBC BANK USA. And the account had been having movements, the money had been withdrawn through ATMs, checks, etc. and they never notified my client, instead they kept silent. On XXXX i received an email from XXXX XXXX XXXX XXXX, Premier Relationship Manager, who said they could be calm knowing that their accounts were in good hands, as it should be, because when someone has an account in a bank, it is for the security that this provides in the custody of the money ( attachment marked " O '' ). On XXXX they sent an email in which they said the following : " I take the opportunity to consult you if you are the person in charge of my account, since I had always had contact with Mrs. XXXX and I would be interested in getting in touch as I am trying to schedule a flight to update my account and know which branch to go. ( ... ) I await for your response, thank you. " In this email they point out that they are going to update the account, which they had not done until this date and they could not use the money. They obtained the following answer : ( ... ) " If you are around here, please stop by. I'm located on the same office, the XXXX one. Happy birthday again = ) ( ... ) ". Never did they tell her that the account was active, or that the money was being moved, or anything like that. ( attachment marked " P '' ). On Monday XXXX, XXXX AM i sent an email that says the following : ( ... ) " To : XXXX ; Good morning, I need to talk with you I have called your phone number that appears in your email and I have not had been able to connect with you, please when you can send me a number where I can contact you, Thank you, Mobile phone ". It should be noted that the communication my with HSBC BANK USA, always was from the an email .com, and the phone number indicated for contact Mobile phone. In view of not having been able to communicate with HSBC BANK USA, and in order to update her account, meaning in order to move and use my money, on XX/XX/XXXX, i went to the offices of HSBC BANK USA, located in XXXX ; i found out that what i had not been able to do for years ( which was to activate my account, until she personally went to the Bank 's offices ) someone had done it already, either inside or outside the bank and my account was in negative balance. Now, in summary, the situation is that her account comes from the XXXX XXXX XXXX, Client NumberXXXX, which had an office in the City of XXXX, XXXX. As this bank closed, the account passed to XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, which my client always managed from XXXX. i was never in the offices of HSBC BANK USA, located in XXXX, or any other office of that institution in order to personally appear and provide the information required to use the account. It should be noted that whenever i called the HSBC BANK USA Offices, located in XXXX, she was told to go personally in order to identify myself and fill thenecessary steps to activate the account. Not only the account had been used, but they had also changed the an email, address and telephone number and that the money had disappeared, and that we must wait for a mail from the bank to make the report, which we received on XX/XX/XXXX. This mail indicated as address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, which is not and has never been her address. The address is in XXXX,, as indicated by the XXXX XXXX XXXX account statements, Client Number - XXXX, and XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. According to what is evidenced by the XXXX and XXXX passports my i never traveled to the United States or to XXXX, nor to any other country ; which is why she could not have been in the Bank 's offices to change the email, address and telephone number. i was never in any office to fill out the forms and sign them, we do not know how they activated the account, they delivered a card and they opened a current account and they issued a checkbook. When i personally showed up at the Bank, they did not give my the account statements even though i had proved my identity, they did not give my information on how, when and where the account was activated. The address being used by the bank was XXXX XXXX, a shipping service. On XX/XX/XXXX, i went to the offices of HSBC BANK USA, located in XXXX, with the purpose of delivering a mail regarding the account Number ; in which she requested information on why her account was activated, if i had always been told when she communicated with the Bank 's Executives that until i personally addressed the Bank 's Offices, i could not use the Account, and that someone had done it, either inside or outside the bank and that my account was in negative balance. i noted the following : " ( ... ) I still have not received an answer for these questions : how did they activate the account, issued a card and checks? I personally, despite having identified myself, did not receive information on how, when and where was the account activated. I request the refund of the money of the transactions done with debit card from the XX/XX/XXXX to the XX/XX/XXXX and the refund of the money paid by the bank for the checks : XXXX for an amount of {$8300.00}, XX/XX/XXXX XXXX for an amount of {$7800.00}, XX/XX/XXXX XXXX for an amount of {$9200.00}, XX/XX/XXXX XXXX for an amount of {$9000.00}, XX/XX/XXXX XXXX for an amount of {$7500.00}, XX/XX/XXXX XXXX in the amount of {$8000.00} XX/XX/XXXX XXXX for an amount of {$9500.00} XX/XX/XXXX and XXXX for an amount of {$8500.00} XX/XX/XXXX These checks were paid by the Bank between XX/XX/XXXX and XX/XX/XXXX. So : 1. My account was never activated, 2. I never received a checkbook to use it since they told me that I should fix my situation in the Bank Offices and for that I had to personally go to the HSBC XXXX Office ; which I did not do until XX/XX/XXXX I see with extreme concern the ease with which they could use my debit card and checkbook and as in a month with checks over {$5000.00}, totaling {$67000.00}, the Bank allowed the payment of them, even when the account was inactive for a long time. I also request the refund of transactions identified as PAYMENT XXXX XXXX-CASH FOR THE AMOUNTS OF {$7500.00} and {$9800.00} DATED XXXX AND XXXX. For the reasons indicated above. On XXXX XXXX I made a report to XXXX Police Department case number XXXX. How is it possible that an account that was inactive for more than nine ( 9 ) years, for not having been opened according to the Bank 's requirements, had in one month transactions for more than XXXX XXXX AND XXXX XXXX DOLLARS ( {$150000.00} ), WITHOUT YOU BLOCKING AND TAKING THE CORRESPONDING SECURITY MEASURES? You as custodians of my money must guarantee to me even the last dollar that was deposited in my Account, because you were in the obligation to take care of it and have all the necessary means to activate the account and so you let me know when, on repeated occasions, you indicated me that to activate it, I had to go to the Bank 's offices in XXXX to fill out the forms and sign. I believe that you should do a thorough investigation of this situation as this generates me little credibility in the bank, and you should respond for my money and for all the damages and losses that this has caused me. I do not recognize any transaction, deposit or transfer that had been made, in any way, in my account, either by debit card, check or any form of withdrawal that had been used, and I request the refund of all transaction which could never have been made by me, since never did I go to the Bank 's offices to sign any form, nor did I change address, an email or telephone, and they were charged to my account ( ... ) ". Notably, the HSBC IN XXXX ; acknowledged that there was a banking fraud and reversed the consumptions made with the debit card from XX/XX/XXXX to XX/XX/XXXX ( attachment marked " T '' ). Even though in emails sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( attachment marked " T '' ) i continues to demand the refund of the money, on XX/XX/XXXX, XXXX a.m. i finally obtained an answer : ( ... ) " Denying the claim of the fraudulent check since too many days have passed ( months ). There is no other instance where to scale the case. All departments say you took too long to start the claim. I know that this is not the information that you are waiting for and if there was someone to continue talking with, we would connect you with that person ( ... ) ". To which i responds on XX/XX/XXXX asking if they made an administrative investigation within the Bank, because of the strangeness of the situation. From which she received as an answer : " ( ... ) Before the fraud happened, the account was not " closed '' as you thought. An account can not be closed if it has funds inside. What I think happened when you called the branch to get information, is that we are not allowed to give information by phone at the branch level when we have not met the client personally. For example, if you had called me a year ago to ask for information about the account, I would have said " Mr. XXXX, since we do not know you personally yet, you should call customer service to get information about your account '' What I want you to understand is that this account was always open, and all the fraud was done by someone who called customer service, and knew the responses and answered all of your mom 's personal questions correctly ( ... ) ". I wonder what personal questions, if there was never an opportunity to create them. On XX/XX/XXXX i sent an email again indicating that although the account was open, it could not be used, until the owner appeared personally to provide the data and to create a password, a user and some security questions that would let you know that this is the account holder. I told them that it was really an odyssey at that time to accessmy account with the multiple requirements of the bank as we know, because we just went through that, to be able to access the account online despite having attended the XXXX XXXX and to have your wonderful collaboration, it was quite difficult, because we had to request access to you. Later we had to wait for a password that would arrive by an email, a key that would reach the indicated cell phone and after we placed those passwords we had to wait for the Bank 's security to allow us to enter, the question is : did the Bank conduct the administrative investigation, with the purpose of knowing how these procedures were done in order to activate the account? Where was the information stolen in order to change the email and the telephone number to which the account was associated? If the owner never showed up at the XXXX to identify myrself and activate the account with all the security mechanisms that you have. If an investigation ha been made I would like you to tell me what the result was and the number of it. If they have support on how and what were the security data that was provided for the account in question. I subsequently sent an email on XX/XX/XXXX and XX/XX/XXXX until he received the reply that they could not resolve anything and at never conducted an administrative investigation in order to determine the bank 's responsibility I request your good offices to open the investigation of the case, to determine if there was bank fraud and the responsibility of HSBC Bank USA, N.A., in the same, or negligence of the institution to allow the use of the account, since even though that financial institution acknowledged that there was banking fraud, because it returned to my client the transactions made with debit cards XX/XX/XXXX until XX/XX/XXXX ; they do not recognize the rest of the consumptions made with the debit and checkbook card ; as in a month with checks over {$7000.00}, totaling $ XXXX.The Bank allowed the payment of these, even though the account was inactive for a long time, in addition to transactions identified as : PAYMENT XXXX XXXX-CASH FOR THE AMOUNTS OF {$7500.00} and {$9800.00} DATED XXXX AND XXXX XXXX. For a month the Bank allowed the use of an inactive account with transactions without blocking the account or requiring the presence of the account holder in the Bank 's offices in order to identify and recognize the transactions, and allowed the change of address, email and telephone number. The only true data that they had of my client, without demanding the physical presence and identification of her, they approved the change of all the data without confirming said data with the only thing they had as a form ofcommunication which was the email address. How is it possible that an account that was inactive for more than nine ( 9 ) years, for not having been opened according to the requirements of the Bank and demanding the presence of the holder of the same had in one month used more than XXXX XXXX XXXX XXXX DOLLARS ( {$150000.00} ), WITHOUT HSBC Bank USA, N.A. HAVE ITBLOCKED AND TAKEN THE CORRESPONDING SECURITY MEASURES? It is really strange that this has happened without the participation of people from the same Bank, since normally when an account does not have regular movements and suddenly begins to have them, the Financial Institutions block them and invite the client to personally go to the Bank. As indicated by my in one of my emails : " ( ... ) because we just went through that, to be able to access the account online despite having attended the XXXX XXXX and having the collaboration of the account executive, it was quite difficult, because we had to request the access, then had to wait for a key that would arrive by an email and a key that would reach the indicated cell phone and after these keys were placed we had to wait for the Bank 's security to allow us to enter, ''. The question is whether the Bank conducted the administrative investigation, with the purpose of knowing how these procedures were done in order to activate the account, from where the information was subtracted to be able to change the an email and the telephone number to which the account was associated? If the owner never showed up at the XXXX to identify myself and activate the account with all the security mechanisms that you have. If an inquiry has been done, I would like you to tell me what the result was and the number of it. If they have support on how and what were the security data that was provided for the mentioned account. I believe that a thorough investigation of this situation should be done, the Bank must be accountable for the money of my, which totals {$67000.00} in checks, the Bank allowed the payment of the same, even though the account was inactive for a long time, also transactions identified as : PAYMENT XXXX XXXX-CASH FOR THE AMOUNTS OF {$7500.00} and {$9800.00} dated XXXX and XXXX. {$17000.00}, transactions of debitcards over {$50000.00} and for all the damages and losses that this situation has caused. I respectfully request that this document be processed according to law.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened an advance checking account with HSBC online on XX/XX/062018 for the welcome award they declared to all the advance checking accounts opened by XX/XX/2018. The requirements were to keep a balance of {$10000.00} for 90 days from within 30 days from the opening day. My account balance on the account as of XX/XX/2018 was {$10000.00}. HSBC was supposed to deposit {$350.00} into my account after 90 days from XX/XX/2018 and another eight weeks. I called HSBC customer service in XXXX just to make sure that the account has met the online requirements in opening such an advance checking account and the customer service representative assured me that every thing looked good and I can expect the award money into my account after the specifined days ie. 90 days plus eight weeks. When I didn't see the {$350.00} not deposited into my account even on XX/XX/2018, I called HSBC. The representative told me that It was not opened properly and I told her that I called in XXXX third week and got assured that it was done correctly. However she said that she will escalate the complaint and somebody from HSBC will call me. Nobody called and make several calls after that. Repeatedly I asked them why don't they email me about the process. Nothing. I withdraw {$10000.00} from the account because it doesn't earn any interest sitting there. When I called on XX/XX/2018 to request to close the account, the representative told me to keep the account as the complaint is escalated and they are looking into it. I asked her as I had met all the eligibilities and they know my address once it is approved why can't they mail me the check. She said that they don't do that! So I kept the account with a balance of {$100.00} from XX/XX/XXXX. Last week somebody called me to tell me that the account has to be in good standing to avoid the monthly charges. I am at a loss to understand why they are taking this much time to deposit the {$350.00}. Today, XX/XX/2018, again I called them and found that already a fee of {$25.00} had been charged to my account as monthly fee because it didn't meet all the requirements for an advance checking account. She told me that four weeks from XX/XX/2018 {$350.00} will be deposited into my account. Because of all the things happened, I have to wait and see whether that will happen or they come up with some other excuse.
Company Response:
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A