Date Received: 2018-09-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened up a checking account on XX/XX/XXXX with HSBC bank because they promised a {$200.00} bonus. They never paid this bonus out despite repeatedly telling me it would be a matter of weeks or months. As you can see from the attached screen shots of the current same promotion they're still offering, the {$200.00} bonus should have been in my account by XX/XX/XXXX because of the 8 week time frame they give. They kept moving back the date that the funds would be available. After the 2nd time of telling me the funds would be available at a later date, I demanded they fix this issue and deposit the funds by the end of the business day. They gave me continued run around about how this department couldn't do this or that, and that they would have some people investigate the issue. I refused to buy any more of their XXXX ( lies ), so I told them to transfer all of my money in the savings account to my other much better bank. They said the transfer would happen within 3-4 business days on Saturday XX/XX/XXXX, and I still don't have the money here on Monday XX/XX/XXXX. This is consistent with their pattern of lying and not honoring deadlines they have given me for what they would do.
Company Response:
State: AZ
Zip: 85017
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: HSBC advertised its cash rewards card as follows : charge {$500.00} within 3 months and receive {$150.00} in cash. I spent {$500.00} within 3 months. I have repeatedly tried to redeem the {$150.00} in cash but HSBC has made it so difficult I can not do so! I have complained to HSBC in vain! I wrote its president twice. I called but no one answered or called me back. THIS IS NOT A NEW COMPLAINT!
Company Response:
State: NJ
Zip: 07090
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: MY NAME IS XXXX XXXX XXXX I WAS VITICM OF IDENTIY THEIF SOMEONE STOLE MYWALLET IM XXXX YEARS OLD I DIDNT REALIZE IT UNTIL PULL MY CREDIT. I IMMEDIATELY WENT TO MY LOCAL POLICE DEPT. DET XXXX XXXX WAS ASSIGN TO CASE IT WAS APPROVE. THE ACCOUNTS ARE XXXX XXXX, HSBC BANK, XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX XXXX
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am in receipt of HSBC 's response regarding account number XXXX, dated XX/XX/XXXX. In their response, HSBC has the audacity to state, " While in operation, it was the policy of HSBC to conduct its business in full compliance with the letter and spirit of the laws and regulations of every community in which it operated and to adhere to the highest ethical standards. HSBC does not participate in, support, or condone predatory lending and servicing ''. Really ... ... ... In contrary, headlines state differently as evidenced by such : XX/XX/XXXX. HSBC agrees to {$760.00} million settlement with DOJ over pre-crisis mortgages Plus {$26.00} million settlement with Massachusetts. many of these loans were presumptively unfair under Massachusetts law because they had debt-to-income ratios over 50 %, included substantial prepayment penalties, had loan-to-value ratios over 97 %, and included other problematic features. Case in point account number XXXX. Beneficial 's solution ; sell these toxic mortgages to XXXX XXXX XXXX, XXXX and others and offload the problems. HSBC continues to insufficiently address my concerns with my parent 's alleged enforceable loan. They have yet to explain to me on behalf of my deceased parents how the legal description in the loan documents does not match the alleged security interest they sold to a third party to avoid further scrutiny. Not to mention, addresses, zip codes, credit reports, appraisals and title searches contain numerous errors. Fraudulent and predatory to the core. I demand an investigation into these matters. Who did they sell my parent 's alleged loan to? Why has an assignment not been filed? Does my parents have any obligations to HSBC or XXXX XXXX XXXX at this point? Has HSBC conducted any investigation into the defective legal description noted in alleged loans dated XXXX, XXXX and XXXX? What have they done about it?
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-14
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a choice checking account with HSBC back in XX/XX/2018. Their was a promotion going on at the time where you get {$200.00} if you open that type of account and fund it with {$1500.00} then keep this for 90 days. The bonus would post 8 weeks after that. I funded the account on XX/XX/2018. I have been waiting for almost 6 months and no bonus posted. I contacted customer service numerous times through calling and chat and all I get is " Please wait for our investigation results ''. I think it's unprofessional to keep clients waiting rather than actively working on their complaints. I attached the offer terms in a PDF file.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Bank : HSBC Account Type : Business Checking Account Our company had a checking account for five ( 5 ) years with HSBC and in the middle of XX/XX/2018 the bank closed our account. After talking to the bank, HSBC said there was some internal mistake ( " miscommunication '' ) within HSBC. There was no forewarning, no letter, no email, no phone calls, etc. There were no negative checking balances for the 5 years and all monthly bank fees were paid in full. Our credit cards were always paid in full and we never even made a partial payment on a credit card balance. HSBC gave us a Cashiers Check with our balance and then opened up a new Business Checking Account for us ( with a new Account number ). It took hours-and-hours to figure out what happened, then " fix '' all the outstanding checks, bounced checks with our Suppliers ( including imposed penalty fees ), change incoming wire-transfers ( e.g. from XXXX ), update outgoing pre-set wire payments, re-issue Debit Cards, change Credit Cards, make changes within our Bookkeeping provider ( using XXXX software ), etc. We researched other banks and then switched to a competitor bank.
Company Response:
State: CA
Zip: 94024
Submitted Via: Web
Date Sent: 2018-09-13
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2018-09-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The company XXXX XXXX XXXX, is harassing me for a debt they say I owe, it doesnt even show in my credit history, they say that they sent letters of collection to two address that I have not leave there for more than ten years, and the account was suppose to be in debt since 2012. They have call my work place asking for me and have call my cell phone treading to sue me even take my property away. I contacted HSBC asking them for information on my debt and they didnt find anything, I called folder dept and found nothing so I wrote a letter asking to get the company name they sold my case to ... I suppose to owe {$660.00}. This is the number to reach XXXX. XXXX number is this XXXX. The place sounds like its empty with an echo, then they call back and has some voices like operators but I didnt hear it before ...
Company Response:
State: MA
Zip: 01843
Submitted Via: Web
Date Sent: 2018-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Hi I opened this account back in XX/XX/2016 at a branch in XXXX XXXX. At the time of account opening, I was advised that there won't be any fees associated with the account, and that this account also qualifies me for a HSBC credit card that I can try to apply for. I did not apply for that card in the end. As this account was primarily intended as a savings account, I had left this account alone as I didnt want to touch the funds unless absolutely necessary. However, I had fraud activity on my other accounts recently, I began to review my other checking accounts as well, including my HSBC account. It has come to my attention that HSBC has been charging me {$25.00} each month, even though I was told I wouldnt be charged any fees. I spoke to the customer service representative over the phone, and their response was that he doesn't know whats going on either, but this is the account type that my banker had set the account up as, and that theres a {$25.00} fee for this account. I am personally not familiar with the different account types and tiers that HSBC offer, but I was very specific with that banker that I didnt want an account with a monthly fee of any sort. HSBC has refused to help with my situation, so I am hoping CFPB can. Please help. Thank you so much.
Company Response:
State: CA
Zip: 91007
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Had fraudulent activity on my card that included purchases and credits. Charges were as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ECLIPLSE SAMPLE SALE credit XXXX I was hospitalized at the time and reported fraud. My fraud claim was denied for no apparent reason. I proceeded to send hospital records, and was told that wasnt sufficient. I then filed a police report and sent to them. They said it wasnt sufficient still because it wasnt signe, which it was. All of this was not communicated to me, and I have tried calling today XX/XX/18 six times. They couldnt hear me 4 times and hung up on me 2 other times. I need my money back. Meanwhile I have paid the minimum payment and have accrued interest charges. I am owed {$870.00}, plus interest charges. Furthermore, they did not send me a statement for XX/XX/XXXX, and I had to login to pay, luckily I have my payments scheduled in advance.
Company Response:
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: name : XXXX XXXX XXXX XXXX of XXXX ( XXXX before XXXX change ) XXXX XXXX XXXX XXXX ny XXXX had mortgage with XXXX XXXX bank ( XXXX ) in XX/XX/XXXX for the XXXX of {$140000.00} refinanced house in XXXX there was never a release filed by XXXX XXXX they have refused to answer and/or offer help can not sell house with this still on the rolls need help XXXX ( HSBC ) is no longer in the united states have been trying for over a year to get this cleared up
Company Response:
State: NY
Zip: 13045
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A