Date Received: 2018-09-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: HSBC Mastercard On XX/XX/2018, I made an electronic payment {$1800.00} to HSBC and On XX/XX/2018, the payment cleared my bank. This brought my balance to XXXX. On XX/XX/2018, I tried using my credit card and a charge of {$87.00} ( XXXX XXXX ) was denied. When I contacted them, they explained that the payment I made was being held for 2 weeks. This was very poor customer service, appears to be unfair and a illegal business practice. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 93455
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I received a text message from HBSC bank someone was trying to use my card. I was to text back yes or no if it was me then instructed to contact fraud. I contacted fraud department and I was told to destroy my card and a new one will be issued pin will stay the same the Rep said. I waited over the time frame for the card to arrive so I visit one of the local banks in XXXX XXXX NY. I went there to get money not only was I being denied my money because I refuse to sign like my ID signature which I signed when I was XXXX years old and my signature has changed for the past 14 years I have never had this issue. But then finally I was given money out of my account. Then I went to customer service to ask about the were about of my card. I was told they were not sure and I asked for a tracking number and was told there was no tracking number. I said that does not make sense and explained I will be leaving the next for work. I was told nothing can be done and the way I spoken to in front of my son made me really upset. I asked why do you guys not give temp cards XXXXl XXXX and XXXX give cards on the spot then I was told maybe it is best I transfer to that bank. After being with you guys since XXXX I am so upset for the treatment of my own money. Almost a month later XX/XX/XXXX I received my HSBC replacement card. I activated in the morning the same day used the card the same day with no problem. I went to ATM to find out my pin has been changed which I did not request, was not commutated my pin will change and did not received any type of mail about been change. Last night XX/XX/XXXX I had an emergency and went to with draw money which I could not do because my pin was not working. I contacted HSBC bank I was hung up on with firs rep when she said she could not find the card in the system. Called a different rep and I told I was my card is blocked for 24hrs. I explained I needed my card and then I open the app I was charged {$35.00} insuffient funds which is inaccurate I check my account almost everyday and never seen negative or under amount I need to use I am highly upset and I do plan on now leaving HBSC.
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2018-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a checking account with HSBC on XX/XX/XXXX with a with a large initial deposit. The account was approved and the HSBC withdraw the funds from my external account. On XX/XX/XXXX I attempted to login to my account and received a notice that the account was suspended and to call a certain number. I called the number and after 30 minutes was told that I was speaking to HSBC XXXX, not US. I called a different number and was put on hold for 1.5 hours and had to hang up. I tried again at XXXX XXXX and was on hold for 2 hours before the call was disconnected. I am just trying to figure out why the account was suspended and how to fix it but I can not get through to anyone. While I am waiting I do not have access to my money.
Company Response:
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2018-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XX/XX/18 Someone named Mr. XXXX called me and told me I was being sued and to gave me a fake court date. He gave me my ssn and my wife 's ssn. Then claimed that I needed to show up in court unless I settled the debt today. I asked which account it was for, how much, and who was he filing on their behalf. He wouldn't tell me. He then said I needed to be a decent human being and pay this debt today. After I asked him what account and when was it from, he began to launch personal attacks. He mispronounced my wife 's name and then just used her middle name. Then said that my wife could have done better than marrying a dishonest person like myself. And then he hung up on me. I called him back 4 different times. He continued the personal attacks and hung up on me each time. He then called my wife and continued the personal attacks. Not once did he say he was calling from a collection agency. Instead he claimed to be an attorney from XXXX XXXX. XXXX. He has now called my work numerous times. I told him not to call me there and call me on my cell. He purposely keeps calling my work and my wife.
Company Response:
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2018-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My credit card was blocked by HSBC while i was having my vacation in XXXX. I have made a complaint regarding this issue and CFPB has closed the case after the company responded. However, I am very disappointed and dissatisfied with the respond and answer given by HSBC.The previous complaint case is XXXX. I have received the HSBC replied letter on XX/XX/2018 and followed their instruction by signing and sending back the document on XX/XX/2018. On XX/XX/2018 I finally received a call from HSBC which mentioned that their call was to unblocked my card. The staff verified me by asking me some questions and i got transferred again and put on hold on the line for more than half an hour. They're really treating their customer as XXXX by transferring here and there. Finally, my card was unblocked after i made a call on XX/XX/XXXX again which i have to gone through another round of verification. I totally dissatisfied with services and treatments that HSBC ( who claimed they're world class bank ) treating me. Firstly, before HSBC approve my card, isn't the company has done all the necessary verification and checking? As a huge and world class bank, i have doubt their policy and compliance. Secondly, If i did not made a complaint through CFPB, I think my card still is under status blocked which nobody from HSBC cares. Consumer like me is totally disappointed with this kind of treatment. Thirdly, from the letter that HSBC replied that they mentioned they unable to compensate me the bonus points as it is still under the promotion period which ends XX/XX/2018. This is totally unfair to me as the promotion period supposedly to be three months. However, HSBC has blocked my card and do not care to take up my case for more than two months. Yet they replied me that my card is still under promotion which is from XX/XX/XXXX where my card was finally got activated until XX/XX/2018. How ridiculous is this. Last but not least, I was unable to shop and buy the items i wanted during my vacation in XXXX. It was really a very negative memory and disappointed two weeks vacation which i have to kept calling the so called word class bank and spent on my limited cash on hand. In addition, if the HSBC has done their checking and compliance properly, on XX/XX/2018 I could have spent more than XXXX dollar at the XXXX outlet. Which means, I have qualified for the bonus points on XX/XX/2018 and I have the evidence that I got rejected due to my card was blocked. It was so embarrassed that I kept trying and got rejected in the jewelry shop where everyone looking at me.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: In XX/XX/2016 I left a job in XXXX XXXX. I went to my bank ( XXXX an affiliate of HSBC ) and withdrew {$17000.00} as a demand draft ( see attachment ) in preparation for leaving. The demand draft was drawn on XXXX XXXX, XXXX. Upon arrival in the XXXX I deposited the demand draft. It was returned without explanation by my XXXX XXXX ( XXXX ) and stamped " refer to maker ''. They issued me a check in lieu of the original ( see attachment ), which I then attempted to deposit at XXXX XXXX XXXX. The teller accepted the check and said it would not be a problem. When the money did not appear in my account after several weeks I called and was told that the check was returned and since they destroyed the original I would have to contact the original bank for another one. Since I was no longer in XXXX XXXX, I hired an attorney in XXXX XXXX, and they went to the branch with copies of all the attached documents as well as a POA. They were told that my demand draft was in fact returned, and the money deposited into my account. However since it had gone dormant, the money was transferred to the XXXX affiliate of XXXX, XXXX XXXX XXXX. I called the HSBC help lines and since I don't have an active account the customer service reps can not help me. I have searched various states ' abandoned property listing and come up empty. I get no response when I email the HSBC addresses on their website.
Company Response:
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX keeps reporting the same time barred debt on my XXXX Credit report I have disputed several times and XXXX says they verified it was mine and leaves it on my report XXXX XXXX changes the open date and account number so that XXXX claims it not to be a duplicate Debt. This is a HSBC account that has has no payments made previous to XX/XX/XXXX. That is the last email confirmation I received from them before the debt was charged off so obviously payments were not being made months previous to this date. I have contacted XXXX and they refuse to remove the Debt even when I sent them proof thats its time barred and they can no longer report. XXXX XXXX claims they do not have to follow California 's guidelines. I have asked for proof that this is a new debt as they are reporting an open date of XXXX and XXXX and they do not provide anything because they don't have it. XXXX at XXXX XXXX even admitted over the phone it was a old HSBC debt. XXXX also admitted they changed the dates to current dates to be able to report in hopes to get some money. My other credit cards are decreasing my limits and I can not refinance my house to pay my medical debts from XXXX XXXX do to XXXX XXXX incorrect reporting of this time barred debt. It is crucial that this gets taken care of correctly
Company Response:
State: CA
Zip: 96001
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-31
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: i called hsbc to get a refund of {$2.00} owed to me, they have now put me on hold, told me they have to review it ( i received this credit owed on my bill ) and every time they call to go over the account???? they have kept me on hold 20 minutes hung up then 25 minutes and hung up. unable to reach a person. i just want to cancel this and write a bad review somewhere, terrible customer service over {$1.00}
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2018-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-31
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I applied for a checking account at XX/XX/2218 with HSBC with a reward of {$750.00} if I maintain a certain balance for 3 months. They rejected my application because they could not run my credit report??? Its currently frozen due to the XXXX breach. Interesting that they would turn my money down to open an checking account without seeing my credit report? My wife then applied on XX/XX/18 whom does not have frozen credit. She applied and at the completion they told her to wait. Its now XX/XX/18 and HSBC is still making us wait after more then a week?? This just sounds fishy?? HSBC has all our sensitive information in both applications and we are not happy. I almost feel as if they are gathering our personal information for future endeavors without going forward with this program.
Company Response:
State: CT
Zip: 06820
Submitted Via: Web
Date Sent: 2018-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-31
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new HSBC Advance checking account with {$350.00} new account promotion online in XX/XX/2018. I fulfilled all the promotion requirements by applying the account online and maintaining over {$10000.00} balance. The latest time when I would receive the {$350.00} bonus, based on the promotion terms and conditions, should be before the middle of XX/XX/2018. But till now, XX/XX/2018, I still did not get the bonus. I tried almost 10 times to contact the HSBC customer service. After checking the promotion 's terms, all the representatives agreed that I satisfied all the promotion 's requirements. They even told me my case was reviewed and the bonus credit was approved by a manager. The latest date, when the bonus credit was promised to be posted on my account, is XX/XX/2018. BUT, today is XX/XX/2018. In addition, most of the representatives asked me to wait and promised that somebody was working on my case. BUT, waiting after waiting, nothing was updated for my account balance. All in all, I met all the new checking account promotion 's requirements. But HSBC Bank USA did not give me the bonus as promised. The bank wasted a lot of my time without correcting their fault, even though I had contacted them for almost 10 times.
Company Response:
State: CA
Zip: 95054
Submitted Via: Web
Date Sent: 2018-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A