Date Received: 2018-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I need your help please!! I continue to receive harassing calls from a company called XXXX XXXX XXXX XXXX. They claim to be representing HSBC Credit Card Services and stated that they were hired to collect on a debt in the amount of {$2200.00}. They have called my family several times regarding this matter. They could not give me the account number or the date the account was opened. I called XXXX XXXX and spoke with a young lady named XXXX who informed me that they did not hire XXXX XXXX XXXX or any company to represent them. In fact, they stated that my account was closed when they sold my account to XXXX XXXX XXXX. On XX/XX/XXXX I then contacted XXXX XXXX XXXX XXXX ( XXXX XXXX ) and she told me that my account was closed in XX/XX/XXXX when I filed bankruptcy. My bankruptcy was discharged by the state of Texas. XXXX XXXX XXXX advised me to file a police report due to the constant harassment and what they believe is fraud. I called XXXX XXXX XXXX again to let the rep XXXX XXXX know that neither XXXX or XXXX XXXX XXXX claims to have hired them. Well, XXXX proceeded to transfer me to her supervisor who started yelling at me saying " you owe this debt '' and became belligerent to the point where I had to hang up on him and block the number. These people have all of my personal information and continue to harass me daily. They call from different numbers and although I have blocked several of them ... they continue to call. I tried to reason with these people but they're not listening and will not stop harassing me.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: his letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Company Response:
State: TX
Zip: 76133
Submitted Via: Web
Date Sent: 2018-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I applied for a HSBC Advance checking account on XX/XX/18 with a promotional offer of {$350.00} ( screenshot of details is attached ) after depositing {$10000.00} in new money within 30 days of account opening and maintaining that balance for 90 days. I received an email on XX/XX/18 ( PDF is attached ) saying my account application was pending and if they did not receive the required initial deposit they would be unable to open my account. I made the required initial deposit and received an email on XX/XX/18 ( PDF is attached ) saying my account application was approved. I made my deposit of {$10000.00} on XX/XX/18 ( screenshot is attached ) which is 30 days from the account opening date of XX/XX/18. I had not received the bonus so on XX/XX/18 I logged in to my HSBC account and started a chat session ( screenshot attached ) to inquire about the status of my promotional bonus offer. The HSBC chat representative mentioned they could see that I had met the requirement for the promotional bonus, but that it takes 6 to 8 weeks to receive the bonus after the requirements were met. I waited for that period of time and checked again through a chat session on the status of my bonus and was told that I had *not* met the terms of the promotion, which was contrary to what the chat representative told me on XX/XX/18. I mentioned my deposit was within 30 days of account opening but they told me that my account was opened on XX/XX/18, not XX/XX/18. The email I received on XX/XX/18 not only said " account application pending '' in the subject, but also stated " Please note your application will expire in 25 days and if we do not receive the required initial deposit we will be unable to open your account '' which led me to believe my account was waiting on my initial deposit to open. They told me they were going to submit an inquiry to their 'rewards team ' and would get back to me. I waited a few weeks, had not heard anything and started another chat session and was told an inquiry was actually *not* submitted but they would go ahead and do that after I requested it again. Instead of wasting more time and waiting even longer, I decided to submit this complaint for a hopeful resolution.
Company Response:
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2018-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account data was breached as part of HSBC admitted data breach. I have now had wire fraud and ach fraud on my account. The latest fraud was in the form of an automatic payment of {$2000.00} from XXXX. I dont shop at XXXX nor do i do any business with them. HSBC is telling me the charge was authorized by me and to call XXXX. They are ignoring their own lack of system security and refusing to protect my funds, or return my funds.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2018-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I was contacted by a female associate from XXXX XXXX XXXX on XX/XX/XXXX. When I answered my phone she said that this is an attempt to collect a debt. The message was that I would be contacted at my residence or place of work if I did not pay now. The message ended with YOU HAVE BEEN NOTIFIED! I was very upset at that harassment talk, hung my phone up and called them back. They transferred me to a supposed Manager and he yelled at me at one point WHAT DID I NOT UNDERSTAND ABOUT THIS! This was during my conversation that I did not remember in XXXX this negligent account. I at that time asked if I could negotiate a settlement but that was adamantly declined. He asked if I worked full time and wanted to know how much I made and so on, and so on. He told me the amount was 900 and some dollars. I received an e-mail from him on XX/XX/2018 stating that I owed over 9100.00. I am very upset. I have his e-mail if needed by your office or anyone else who can help me. I am willing to negotiate but my card may have been compromised ... ... ..
Company Response:
State: CO
Zip: 80526
Submitted Via: Web
Date Sent: 2018-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Hello, Earlier this morning I applied for the HSBC Cash Rewards Mastercard. I got to the Authentication Interview and, after answering the questions successfully, the application pended for further review ( I'm guessing somehow one or more questions were wrong/XXXX has not been fully verified? ). I just called HSBC and got to an agent named XXXX to get the matter resolved ( I believe overseas ) who advised me that I would have to wait up to 21 days for the final decision. The call took place at approximately XXXX XXXX EST on XX/XX/18. Instead of clearing XXXX with me over the phone or advising me of what I need to send in, he told me that I just have to wait, which is unacceptable. I am looking to use the card sooner rather than later with holiday shopping, and I do not want to wait 21 days. I also thought the rep was very rude. I even advised him that I would be submitting this complaint if we kept going in circles and he didn't care. Then, at XXXX XXXX a manager called me back, apologized, but reiterated there is nothing that can be done, so I reluctantly gave up and just decided to submit this complaint. I'd like to have this application reviewed as soon as possible. I understand that there is a log of apps in your pipeline, but when a prospective customer calls in and advises of extenuating circumstances/stresses the need for a more immediate review, the answer should not be " tough ''.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a checking account with HSBC online on XX/XX/2018 as a part of he {$350.00} promotion, was able to setup online and mobile app access on the same day. After that I made two {$5000.00} mobile deposits, one on XX/XX/2018 and another one on XX/XX/2018. On XX/XX/2018 I received a message from HSBC Fraud Prevention Department, reference number XXXX asking to call back and verify my identity. The message specifically stated that the department is available 24 hours a day, 7 days a week. On the same day I had called back around XXXX CST and after 15 minutes of wait was told the the Fraud Prevention Department 's hours XXXX XXXX EST and the usual wait time is 30 minutes. I called back again at XXXX CST/XXXX EST and after waiting 41 minutes without getting to anyone had to hang up. Called back on the same day around XXXX CST/1XXXX EST and after waiting 51 minutes without getting to anyone had to hang up again. As I am writing this XX/XX/2018, XXXX CST, I've been waiting for 20 minutes so far. My account is disabled and I am unable to access it online or through the mobile app with {$10000.00} sitting there. By far, the worst customer service I have experienced.
Company Response:
State: IL
Zip: 60134
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
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: a payment i made and processed on XX/XX/2018 of {$200.00} has not been credited to my credit card account by XXXX XXXX XXXX.Got response letter to letter i sent HSBC on XX/XX/2018.HSBC responded XX/XX/2018 from hsbc with no person name, title or direct phone number.XXXX XXXX is very unprofessional in handling of this matter and i need you help to correct problem
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In mid XXXX, I opened a checking account with HSBC. As part of a promotion, they said they would provide me a {$350.00} bonus for keeping {$10000.00} in the account or combination of linked accounts for 90 days. I opened the account and my $ XXXX deposit posted XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX of HSBC contacted me and said if I opened a certificate of deposit and moved the funds to it, they would still count for the bonus as the CD is considered a linked savings. I have this in an email. The money was transferred XX/XX/XXXX and remains there now. It has been well over 90 days and I have not recieved the agreed upon {$350.00}, and my attempts to contact HSBC over online chat have gone nowhere. Please assist. Note : The balance of my checking account is only {$50.00} because I moved the $ XXXX to the CD account, but the accounts are all linked.
Company Response:
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX has been non-compliant with removing the unverified account BENEFICIAL BENEFICIA-XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BENEFICIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A