Date Received: 2018-09-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX we finance our home with XXXX under a conventional loan 80/20. In XXXX they should the second mortgage to HSBC. In XXXX, we became behind on our mortgage and needed to modified or foreclosure would begin on the home. In the process of modifying the home, we told that both loans would be included so we pay on the modification until it was finish and now only one loan remains so we thought. Our home loan has be sold so many times by XXXX XXXX XXXX until it not funny. Now we are in XXXX, and now we are wanting to sell our house but can not because a lien is on the property held by HSBC. Wow, the second mortgage shows up finally as I did my work the loan is inactive and has been charged off as of XX/XX/XXXX. There is no record of it appearing on our credit at all but the title company will not close on the home until lien has been release. I have mail paper to HSBC address XXXX XXXX XXXX in XXXX XXXX ILL. No one as of yet has notified me of receiving the information. I am frustrated with the whole matter. Could you please assist.
Company Response:
State: FL
Zip: 32514
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Other features, terms, or problems
Subissue: Problem with convenience check
Consumer Complaint: On Wednesday, XX/XX/18 I opted to utilize two balance transfer checks to take advantage of an intro APR. One check for {$5000.00} deposited to XXXX and one check for {$1200.00} deposited to XXXX. This was within my credit limit including the transfer fee. On Thursday, XX/XX/18 I received a call from the fraud department to verify the activity at XXXX. I called back at XXXX and was on hold for 55 minutes before speaking to someone who told me that the fraud department is already closed. Not to mention that the voicemail I have said that I can reach them 24 hours a day, 7 days a week. I tried to call back this morning, Friday, at XX/XX/18 and could not get through. The check I wrote to XXXX has already been returned and will make me incur fees. I called the executive office and the operator is unavailable and the mailbox is full so it doesn't accept voicemails. I finally went to a branch to prove identity and my Drivers License with current address is not enough, they want a copy of my lease. I am willing to do that but now they said they don't handle placing the funds back into the other banks or handle fees by other banks. I asked the service rep if they can ACH the funds back to XXXX and she had to ask her manager because she did not know what ACH is ... I've been in banking for 20 years. This is completely unacceptable. I've attached a screenshot of the transcript from the voicemail left on my phone which states that I can reach them 24/7 and also has the time they called me.
Company Response:
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2018, I became the victim of a {$100000.00} INTERNATIONAL WIRE TRANSFER SCAM. This money was my ENTIRE life 's savings. The fraudster impersonated XXXX law enforcement ( where I used to go to college ) and told me my SSN had been compromised. In order to be assigned a new SSN, I needed to transfer my funds to a bank in XXXX XXXX, specifically the HSBC in XXXX. HSBC 's address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The recipient 's information is : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I submitted a recall request on XX/XX/XXXX with XXXX XXXX XXXX to no avail. I also found out that there are at least TWO MORE VICTIMS involved in this crime, although their funds were transferred within the U.S., as opposed to internationally. I have alerted : The XXXX Police ( where I live ), the XXXX XXXX XXXX where this took place, HSBC ( formal complaint ), the XXXX XXXX Police, the ic3 ( twice ), the Criminal Investigation Division ( CID ) of the Texas Comptroller of Public Accounts, the FTC and the Texas Attorney General. There is still NO resolution. Every time HSBC responds to XXXX XXXX XXXX, they simply say they are waiting on a response from the beneficiary to get debit authority. My guess is the beneficiary will NEVER respond to HSBC since all their contact details are FAKE. HSBC allowed the fraudster 's account to be opened using false details. The bank was purely negligent in allowing the transfer to take place, as well as failed to conduct sufficient checks. Simply put : HSBC COULD HAVE PREVENTED THIS CRIME FROM BEING COMMITTED.
Company Response:
State: TX
Zip: 75062
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This relates to HSBC 's Premier Credit card. I paid the credit card using the telephone service provided by the bank and then the bank froze the card ostensibly to verify that I was the one who paid. I waited hours for the call center to pick up my call over a period of days. finally, i got someone, the card was unfrozen. I then spoke to someone in customer support who helped me make a request to transfer a balance from another credit card to the HSBC card. Minutes later the card was frozen to verify that I had made this request which is ridiculous as the employee from customer support had already verified my identity. I have been on hold with the call center for hours over a period of two days so far and no one picks up, and both my request and credit card are frozen. The bank takes arbitrary actions that prevent me from using the card and then there is no one to speak to rectify this.
Company Response:
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I filled a name change at my online bank ( HSBC, XXXX ) of which they forwarded me a secure email under a XXXX format ( automated signature done via email XXXX XXXX XXXX? XXXXXXXX XXXX ). The documents they requested were an id, a document showing the name change like my marriage certificate, and they also asked for my full social sec #. I had no issue since it was via a secure method and from/through my bank. They just sent me the executed docs via email ( unsecured /no protection ) which contained the image of my license, marriage certificate, and the doc containing my signatures and Full Social Security number. I was leery of my social # initially being submitted, but did confirm it was a secure method so my concerns lessened. I was not aware they were going to send it back to me in what appears to be an unsecured format. I responded to the email indicating that they sent all of my personal identification info through unsecured methods as well as called HSBC to file a complaint. On the call they said their emails are encrypted if sent from HSBC but, again, I dont see it. Also the email sent back was from XXXX under the HSBC name so I dont know if that is something that is auto generated from the vendor they use, which may very well not be secure. Since I dont know if my complaint to them will go anywhere, I thought I would file this with you as well. I have my credit frozen from the credit bureau breech but this is awful to send all of that data out for anyone to pick up. Since they are an international company, if they are sending unsecured emails out w/ PII then that should be also violating GDPR in the XXXX XXXX
Company Response:
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 HSBC Bank USA, N.A Dear HSBC Bank, Basic Checking Account # XXXX HSBC PlatinUM Rewords Card XXXX Select Credit Account # XXXX I opened basic checking account on XXXX XXXX with proper documents and XXXX applied Credit card and XXXX Select credit account. ( Approval letters attached ) I spoke with XXXX XXXX Fraud Security Centre Today Your bank recommended to closer my account due to security concern. I am so disappointed provide me hard time opening and closing accounts. I felt this is discrimination. Please provide me all details why my account closing even I provided proper documents And also Please removed following my credit inquires on my credit profile at XXXX XXXX XXXX and XXXX XXXX - Removed my accounts all 3 credit be agencies. - Refund my checking account balance Thank You .. XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: HSBC refuses my repeated request that it send me a check cor {$150.00} in redemption of its promotion of {$150.00} for {$500.00} charged by me to my HSBC credit card within 3 months! I have repeatedly told HSBC I find redeeming the cash online impossible to do after several attempts! It has provided me with NO help. I want a check cor {$150.00} promptly sent to me!
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is related to XXXX XXXX XXXX , XXXX and HSBC Beneficial. In XXXX my wife and i took out a HE Loan with Beneficial Mortgage ( HSBC ). On XX/XX/XXXX and XXXX XXXX, My wife and I signed documents related to a First Lien deed of trust for the home equity loan with Beneficial Finance. I cant explain why this was done twice or for what purpose, but the fact is both were filed in XXXX County, TX. I have paid my loan as agreed, then, around XXXX of XXXX, Beneficial sold my loan to XXXX, XXXX. There is a transfer of lien filed at the county that reflects this. The transfer references the loan #, but only references one of the instruments or liens that was filed. I paid my loan off in XXXX and received a release of lien from XXXX for the lien they assumed from HSBC, the FLDT dated XX/XX/XXXX. I went to apply for a home equity about a month ago and was told there was still a lien filed with the county ; the lien filed on XX/XX/XXXX by Beneficial. I am being told by XXXX XXXX , XXXX that they can not release the lien dated XX/XX/XXXX as it was never transferred to their name, and they are not the lien holder. I told XXXX the lien they assumed was invalid, as there was already a FLDT filed at the county, and one could argue that any payments i made to them were done so without a proper lien. I explained that I felt it would be in their best interest to help resolve this matter. They stated they had done all they could do. I can not contact HSBC Beneficial other than by mail, which i have done as of today. In this day, with all the access to technology we have, it is unreasonable for them to not have a means by which a customer can contact them other than by mail. I would appreciate your help resolving of this matter.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Opened on XX/XX/XXXX, a saving account online. Online application went to pending contingent on receipt of account being funded. Check mailed to fund account XX/XX/XXXX. To date have not received any correspondence or notification of account opening. Attempted on XX/XX/XXXX, to initiate chat to determine account status, including providing all requested details, and chat agent ended chat prematurely. Also attempted to call to determine status of account and was placed on a continuous hold.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This complaint concerns HSBC. A promotional offer by HSBC was made inXX/XX/2018, Open an HSBC Premier Checking account and deposit {$100000.00}, within a 30 day period of opening the account and leave the {$100000.00}, in that account for a period of 90 days and then HSBC would pay a {$750.00}, bonus within a 8 week period. I opened a Premier Checking Account on XX/XX/2018, with a small deposit of {$10.00}, on XX/XX/2018, I deposited an additional {$100000.00}, in this account and the amount of {$100000.00}, plus a small amount of interest remained in this account until XX/XX/2018, when I withdrew {$100000.00}, well beyond the required 90 day period to qualify to receive the {$750.00} bonus, as of today, that is well beyond the 8 week period of time that HSBC said that the {$750.00}, bonus would be paid to me, I have not received the {$750.00}, bonus and I have invested more than 8 hours of my time on the HSBC chat room, emailing to my HSBC personal banker, and telephone conversations trying to resolve this matter, all I have been offered by HSBC is excuses and emails that said I did qualify for the {$750.00} bonus but they have only offered the excuses of it's a computer systems problem, to they don't know why and that the {$750.00} bonus would be deposited in my account no later than XX/XX/2018, as I said I have not received the {$750.00} bonus as of today, I have all of the direct emails, and the emails from the HSBC chat room are in my posession, the recorded telephone conversations with HSBC are stored on the HSBC recorded telephone conversation system database, I am willing to give these to any person that is qualified and authorised to see or hear them, and I have all of the names of all of the HSBC employees that I have been in communication with in an attempt to resolve this matter, I was contacted 12 days ago by a senior HSBC employee, XXXX XXXX, by email and she offered to discuss the situation with me if I desired that, I have contacted her numerous times by telephone and email and left voicemails and emails to talk to her but she has never contacted me back at all, other than the 1 email she sent to me 12 days ago, I went through a lot of aggravation and effort to scrape together the {$100000.00} so that I would be able to obtain the {$750.00} bonus offer and the people I received this money from have lost faith in me.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A