Date Received: 2018-11-05
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2018 at XXXX EST, I got a phone call from a HSBC collections department representative, asking if I was going to make this month 's payment on time, and if he could get that going for me today. Payment is due on XX/XX/XXXX, and past due on the XX/XX/XXXX. I told him I would have it on XX/XX/XXXX, and he seemed to be ok with that. He then asked about XXXX 's payment, if I would have it on time, and that's when I got a bit angry about his line of questioning, and why I was being called in the first place, since nothing is past due. I told him that if this is they way they are going to do business with me, then to please don't call me any further because it felt like harassment. I'm not sure he understood, so I repeated to clarify my stand on this issue, but I'm not sure he got the message.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2018-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-04
Issue: Getting a line of credit
Subissue:
Consumer Complaint: SOME ONE HAD RECENTLY USED MY SOCIAL SECURITY NUMBER TO TRY AND OPEN A ACCOUNT WITH HSBC BANK AND XXXX XXXX XXXX BRANCH BANK WHICH IS FRAUD BECAUSE I KNEW NOTHING ABOUT IT OR DIDN'T GIVE THEM MY SOCIAL NUMBER THEY STOLE IT SO I JUST WANT TO SEE IF YOU CAN TELL ME IF MY SOCIAL WAS RECENTLY USED TO APPLY FOR ANY BANK ACCOUNTS OR CREDIT LINES OR IS IN ANY OF THESE 2 DATA BASE PLEASE?
Company Response:
State: CA
Zip: 90057
Submitted Via: Web
Date Sent: 2018-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2018, I opened an HSBC Advance checking account to take advantage of the attached {$350.00} Welcome Deposit bonus offer. I deposited {$10000.00} into the account, maintained the balance for 90 days and waited the additional 8 weeks for the bonus to credit. After the 8 weeks expired, I contacted HSBC several times through their live online chat, their 1-800 phone number and their website 's secure mail. I was promised that they would open a case, contact the promotional team and get back to me. I never received a follow up and it's been 2 months since I should have received the bonus at the latest and since I first was promised they would get back to me. I continue to maintain the {$10000.00} balance in the account.
Company Response:
State: NY
Zip: 11040
Submitted Via: Web
Date Sent: 2018-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. It lists the current creditor as XXXX XXXX and claims the balance is {$3000.00}. They advised me in this letter that a judgment was entered against me and has been placed for collections. They claim that I am being charged interest daily and I have 30 days to dispute this. I do not understand how a judgment was entered, without my knowledge of this. To my knowledge, I have not received written correspondence from this company or the original creditor regarding this debt or the alleged judgment. I am researching here in California about credit card debt, collections agencies, judgments as well as statute of limitations and XXXX. This has not appeared on my credit reports, that I am aware of. Am I disputing this? Absolutely I dispute this. I am unsure if I should call XXXX to ask for written correspondence about this debt, with the name, address and account number, along with the name of the courthouse and Judge that issued the judgment. I understand that predatory lenders may try to trap you or get you to say things and I hesitate to call directly because of this. My understanding is that debt has a 4 year statute of limitations in California. I also understand that predatory companies will file against people without their knowledge, hoping to get a judgement. I believe this is what has been done to me. How can a judgment be entered without ever contacting me or serving me papers? I have blocked out any personal information as this website advises.
Company Response:
State: CA
Zip: 93420
Submitted Via: Web
Date Sent: 2018-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: New HSBC Gold card advertised as 0 % interest and 0 % transfer balance fees for 18 months. Applied for and received new card approximately XX/XX/XXXX. Card # XXXX XXXX XXXX XXXX. Executed balance transfer request XX/XX/XXXX from XXXX XXXX card to HSBC in the amount of {$3500.00}. Discovered today a " finance charge '' of {$140.00}. NOT explained in advertising or identified at time of balance transfer request. HSBC refuses to waive the charge upon my request. This is a bait and switch.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I wanted to open a new credit card so I did a search to find one that would give me a bonus for singing up. Based on the results I found I signed up for an HSBC credit card. While I do not have a photo of the signup offer, I was under the impression that I was signing up for a promotion that would give me {$150.00} or {$200.00} cash back after spending {$500.00} or {$1000.00} ( again, I should have taken a picture, but this is the range of the deals I was looking for, and my goal had been to sign up for the best deal I would be eligible for ). I was approved for the card and the account was opened, but now they tell me I need to spend more than {$2000.00} to get the bonus. I don't spend that much money on my credit cards and never would have signed up for an offer like that. Now I have a mark on my credit report all for nothing.
Company Response:
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: HSBC is charging me a late fee for a credit card that had no balance and which I have not used for years. I called them one or two years ago asking to close the account, they said I should go to the branch to close it. I explained I could not go during the bank hours since I was working. I just wanted to close the account. Now I found out this affected my credit score. Further, I have a charge that I don't recognize.
Company Response:
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I received via email an offer that regards opening a new HSBC checking with the incentives and conditions as indicated below : - Get a {$350.00} Welcome Deposit for eligible new customers who open a new HSBC Advance checking account with qualifying activities. Limited time only. Open your new HSBC Advance checking account online by XX/XX/2018 ; and Deposit a minimum Qualifying Balance of {$10000.00} 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 calendar days from the date you deposited the minimum Qualifying Balance. On XX/XX/XXXX, application for Advance Checking account is approved. On around XX/XX/XXXX funds on the amount of XXXX are transfered to the new account and the amount of over 10,000 is maintained through XX/XX/2018. That is, the conditions required by HSBC in order to received the " Welcome Deposit '' were met in fact they are exceeded. On several ocasions I called and chat with the customer service department, with continues without solving the problem. I am sure they can provide log information. However, in spite of many phone calls, chat messages and visiting the local branch of HSBC on XX/XX/2018, none of my complaints have worked and NO Welcome Deposit has materialized as promised. This offer from this bank is either misleading or it is a scam and HSBC should be hold accountable of their actions ( or inactions ).
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: HSBC credit card XXXX XXXX XXXX this is the cc # i filed a complaint and received a letter from them stating they were refunding my credit and closing the card, i never received the refund and they continue to send statements. i received a letter that you closed the complaint but i want to reopen it
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Complaint against XXXX XXXX Account I suddenly found out yesterday that my account with HSBC bank had been closed and I was shocked. First, I opened this account earlier this year with the intent to use it for my business and persona needs, then I found out that I could open a business account as well. I initially opened this account in the branch in XXXX XXXX, and the staff there were very nice and courteous. But I missed the appointment to open the business account at this location because it was too far from my home in the XXXX district of XXXX XXXX. so, I went into the local branch here on XXXX XXXX to open this business account, where I met the Business Relationship Manager named XXXX, and from the very first moment, I noticed strange things were happening there. He was sort of illegally recording me with his laptop ( this is violation of my privacy and PII ) and asking me questions unrelated to opening an account. Shortly afterwards, he told me that he will be doing some review and getting back to me. Over the course of a few weeks, I noticed that he would call me using min HSBC numbers and I had no idea what this was all about, then I asked him why the account not opened yet, then he said I must make a deposit first to have a business account open. I asked him why, am I seeking a loan or anything? This was unbelievable and ridiculous, so I called the corporate office of HSBC in NY and reported this matter that I was basically told I could not open a business account unless I made a deposit first, even though this was a start-up and I wasn't asking for loan or anything. All I needed was business account to conduct business exchanges. Every other person I know opens accounts and business accounts without being asked invasive questions and told to have had the business running for years and with money to open the business account, especially when the company is a start up. This is XXXX XXXX! This personnel was using tactics that are condescending and discriminatory to profile me! When I reported this matter : I was told by the manager that I spoke to that he had sent the report to the banker 's ( XXXX ) manager and the latter will be calling me. Till today no such call has happened. This incident took place in XXXX or there about. I am so convinced that some discriminatory practice had happened and that was why this banker 's manager had yet to contact me. For this reason, I was dissatisfied with the operations of your team here in XXXX XXXX and it affected my perception of the bank. I am not going to bank with a Bank that will profile me as inadequate or not " good enough '' in anyway. I was waiting for their response and resolution to this misconduct of their employee for months that was why I could not use the account. If a customer is mistreated, how can that customer still feel free to trust you with her money unless you resolve the matter? So what are you closing this account without this resolution done? Why did no one call me or email me to ask me how I was doing following this incident? To my shock the account was now closed and I was being reported as having a negative balance. I also have evidence to believe that this bank has now spread adverse and negative information about me all over the banking landscape without due diligence. The amount they are claiming I did not pay them is {$25.00} of my money which they were deducting every month. My money! I wish to make it known that this bank 's branch here on XXXX XXXX is conducting discriminatory actions against law abiding people with the intent to destroy their credit and their information. The account information are : XXXX and XXXX as shown on my cheque copy.
Company Response:
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A