Date Received: 2018-10-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I deposited {$10000.00} into my HSBC Advance Checking account on XX/XX/2018 and its been 5 months and 3 weeks, however they have yet to give me my {$350.00} new account bonus.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2018-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Received a call from XXXX which left a voicemail stating my accounts associated with my SSN # would be locked and to call XXXX. The debt they're saying I owe has been paid for 8 years they would not give me a mailing address for them and hung up on me, they said their company name is XXXX XXXX. It seems like I get a call about once a year for this debt that has been paid off for years
Company Response:
State: MI
Zip: 48093
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Contacted by XXXX XXXX, or XXXX XXXX and XXXX regarding an old credit card account. They left a message saying they would be filing legal action against me for an old charged off credit card debt with HSBC bank. Called them back and spoke to XXXX XXXX, who told me that I opened an account with XXXX XXXX XXXX Rewards Master card in XXXX, charged off in XXXX, and the last activity was in XXXX. The told me I owed XXXX on the credit card, and the total was over 2K with penalties, fees, and interest. He told me it was being reported to the credit bureau and would ruin my credit score. I have never had a card with this lender or bank. He provided some detailed information about my current credit history including current and past address. I was divorced in XXXX, so I thought maybe my ex wife took a card out in my name, which she has denied. They have called multiple times from an unknown number with a call back number of XXXX. To date, I have nothing showing on my credit report, or anything in writing. He attempted to have me pay off the XXXX in full and had the bank 's authorization to do so, he says.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-18
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX Website : XXXX : XXXX Called me several times demanding I pay XXXX or they would suspend all my bank accounts. I called them tried to resolve and they said only could pay full amount. I have voicemail where they threatened me.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/2018 To : Consumer Financial Protection Bureau Im writing this letter to complain about XXXX XXXX false information provided to Credit Bureau ( XXXX ) about delinquencies reported for account Account ( HSBC Advance Mastercard Account Ending in XXXX ). XXXX XXXX reported on XX/XX/XXXX that my account has later payment for 3 months and current balance {$100.00}. After receiving alert from XXXX on XX/XX/XXXX, I checked my FICO score and it was lowered by 77 points because of that fraud report. After talking to XXXX XXXX ( credit card and collection department ) I was told that this is not correct information and bank DID NOT REPORT IT. I attach the letter from bank to confirm their answer. ( date XX/XX/XXXX ) XXXX credit bureau dispute was initiated on XX/XX/XXXX and result was returned back on XX/XX/XXXX back that said that information still correct and bank confirmed about my negative status of my CC balance.Currently there is still negative report in my account ( attached copy is provided ). Second dispute is initiated again. THE REAL TRUE STORY IS THAT MY ACCOUNT WAS CLOSED IN XX/XX/2018 AND CHARGES THAT WERE MADE TO MY HSBC CREDIT CARD ACCOUNT WASNT AUTHORIZED. CURRENT BALANCE NOW XXXX AFTER WAIVING ALL FEES. My complain is about false and misleading information from both agency : XXXX bureau and Bank HSBC. There is no real information provided from both of Agencies. HSBC customer support told that none reported to Credit bureau, but XXXX Credit Bureau notifies twice that there is still account in bad condition ( balance of charge and later fee for delinquencies ). On XX/XX/XXXX I tried to reach both company ( HSBC and XXXX ) but none was able to help me as it was so hard to reach correct department and right people who is in charge of doing such reports. I dont think that FICO scores and Credit Bureau reports of people should be TRUSTED by any banks or financial companies. Please help me to fix that fraud information and fix my score.
Company Response:
State: CA
Zip: 94087
Submitted Via: Web
Date Sent: 2018-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-17
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have applied for a credit card with HSBC bank to obtain their HSBC Cash Rewards Credit Card. I received and started using the card in early XX/XX/2018. A few weeks after using the card, it stopped working at stores and gas station. I contacted the number on the back of the card, I waited for over 30 minutes for a representative and wasn't able to get a hold of anyone. I tried multiple times and was not able to reach anyone. I was able to talk to someone on their online chat through their website, www.us.hsbc.com and they told me my card was suspected of fraud and they gave me their number to their fraud department. I called and had trouble getting a hold of anyone there also, and anytime I was able to get a hold of someone, they would transfer me to another department, I would wait over a hour sometimes and then the phone will just hang up. This has happened multiple times. I have spent {$150.00} on the card before it was frozen, and I was and still am not able to pay it off because of the suspected fraud. I talk to someone on the online chat and they could not do anything, they just told me to call their fraud department and they had to unlock my account. And I was even able to pay of my card until that happen. Then, my HSBC card was charged with a late fee for not paying the card. When I complain through the online chat, they said they could not do anything until I call their fraud department in which I can not get a hold of anyone. I looked up on XXXX if anyone else has a similar experience as me, and it appears as dozens of people, over a hundred people have had the same exact problem with their card being frozen and then not being able to get in contact with a person. ( Link : XXXX XXXX XXXX )
Company Response:
State: CO
Zip: 80249
Submitted Via: Web
Date Sent: 2018-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone is using my credit card & has spent over {$400.00} on it, all of the purchases occurring in California & Illinois. I am tempted to contact the FBI because I have attempted to inform the credit card company since XX/XX/2018 but can not get hold of anyone at the credit card company. No one ever answers the phone although I have waited on the line for as long as more than 15 min. The message is always the same : " We're sorry but we're experiencing unusual delays. Please hold as your call is very important to us. '' or " We're sorry but all our representatives are still assisting other callers. Please stay on the line as your call is very important to us. '' I did voice a complaint to two employees through the 'chat ' line of this credit card company but each time was told that they can not assist me, that I have to call their 'security ' number. I have tried to call the credit card company 's number on my statement ( XXXX ) and a number one of the 'chat ' fellows gave me ( XXXX ) but to no avail. Obviously this credit card company does not care about its customers or the fraud that is taking place. This is the THIRD TIME I have experienced fraud with this credit card company & each time they have sent me a new card but it does not seem to stop the problem. I think it's an inside job. Also, the music while waiting is so loud it upsets my hearing.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was approved for the HSBC cash reward master card on XX/XX/XXXX. I received my card soon after and made several purchases with the card, around 10-20 transactions. After this, my card was frozen and I could no longer use the card. I contacted hsbc, and received an associate within 15 minutes. He informed me I had a fraud freeze on my account, due to a new account, he transferred me to hsbc fraud department. I was placed on hold for an hour before an associate answered, I have her rep number, she sent me a pdf form to fill out and provide additional information on proof of residence on XX/XX/XXXX. I completed the form as soon as I received it and returned it to them XX/XX/XXXX. Soon after I attempted to call to follow up on the email XX/XX/XXXX, XX/XX/XXXX and XXXX. I was placed on hold for 1 hour, 2 hours and 2 minutes and 1 hour and 34 minutes all ended in an automatic disconnect. All of which I retained the screenshots to evidence my attempts to follow up on my account and proof of address, in which, I sent an email with my confidential information in. I attempted to create an online account, but due to the type of freeze on my account I can not create an online account to monitor my account activity or make a payment. It is now XX/XX/XXXX and I have yet to hear from HSBC and my card is still frozen. The card I was approved for was for a vacation trip which I have already taken. I can no longer wait on hold for hours to be disconnected with and need to resolve this issue before my credit is impacted.
Company Response:
State: CO
Zip: 80602
Submitted Via: Web
Date Sent: 2018-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/2018 HSBC account opened account and funded with {$100000.00}. Per terms of the agreement a bonus deposit of {$750.00} would be paid if the balance is maintained for 90 days. According to the terms, the bonus would be paid within 60 days of meeting the 90 day obligation. It is now well beyond the stated time frame as of writing this complaint on XX/XX/2018. The bank said they would research but failed to respond within their stated research timeframe. Additional inquiry has yielded no information.
Company Response:
State: OR
Zip: 97211
Submitted Via: Web
Date Sent: 2018-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XX/XX/XXXX They called my work told the customer service rep. I needed to be served with a legal notice and then they asked for my boss XX/XX/XXXX they called again gave the csr XXXX all the info to contact me told her it was to serve me a legal notice now everyone st work knows my business. The old credit card account was closed in XXXX I believe the statue of limitations has expired on this account.
Company Response:
State: CA
Zip: 92253
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A