Date Received: 2018-08-30
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: XX/XX/XXXX : I noticed by reviewing my credit report that a new credit card account had been opened, without my consent. I did not open the account, nor did I receive any credit card in the mail, and therefore did not have an account number to refer to. XX/XX/XXXX-XX/XX/XXXX : made several attempts to contact HSBC and close account, with no success. XX/XX/XXXX : wrote letter to HSBC demanding the account be closed and a letter mailed to me stating such. I filed a police report. XX/XX/XXXX : I still have not received any correspondence from HSBC, and have never received anything from HSBC.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2018-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: HSBC sent a letter of intent to foreclose on a property that was sold to and being serviced by another lender, XXXX XXXX. HSBC would not return my calls. I sent a letter to the local attorney by certified mail, responding to a notice ( asking who owned the loan, who serviced the loan, and total amount due on the loan ) and the attorney never responded in writing or returned any of my repetitive messages. HSBC filed a document with the XXXX XXXX XXXX XXXX XXXX with someone else 's name as an owner on my mortgage foreclosure documents. Someone named XXXX XXXX was signing off on my mortgage foreclosure and I don't even know her. The proof of affidavit was delivered and signed by XXXX XXXX. She was never on the loan that I acquired and never on the deed. Something wrong has gone on which is why I am unable to get any answers. Please help us.
Company Response:
State: OK
Zip: 74133
Submitted Via: Web
Date Sent: 2018-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: 1.On XX/XX/2018, I received a telephone call from my relationship XXXX at HSBC Bank USA where XXXX had been a customer for over 18 years advising me that she had been instructed by the Compliance division of the bank to " exit the relationship '' and that it would be closing my accounts on XX/XX/2018. The full back ground which appears to have led to that decision is summarised in an e mail dated XXXX XX/XX/2018 which I sent to XXXX XXXX XXXX, my Relationship XXXX at the bank. A copy of that e mail is attached to this complaint. 2. For the reasons which are fully set out in my e mail to XXXX XXXX I was wholly bemused by the decision. But I am aware that the decision can not be challenged, nor can I be advised of the reason for it. So I shall have to make alternative banking arrangements. 3. But I regard the amount of time afforded to me to make alternative banking arrangements - seven working days - as wholly impossible to achieve. All banks have KYC procedures and I am aware that these can take between fourteen to twenty eight days to conclude before an account can be opened. So the time scale for closure specified by HSBC will leave me without a bank for as a minimum a period which I estimate to be three weeks ; and will inevitably result in : a ) regular payments from the account I have mandated to third parties being unpaid, resulting in, among other things, a negative impact on my credit score ; and, b ) regular payments into the account being bounced back, since given the inadequate period of notice for the account to be closed, I shall not have time to re route these payments to the new account 4. I have requested that the bank extend the period for closure for a minimum of period of a month. To date they have not confirmed they will do so
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2018-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: hsbc had offer to open a cking acct, they ask questions that did not relate to me, like loans from banks i dont deal with.
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2018-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: HSBC advertised that I would receive {$150.00} in cash credit on my credit card if Charged {$500.00} within 3 months. I spent this amount within the 3 months. I tried repeatedly to receive the {$150.00} credit! I wrote 2 letters to the bank president. No answer! I was given the executive offrice telephone number. No answer! I left a message and a computer voice said I would receive a call withi 24 hours. No call! I tried again! No call! I was given a consumer help number! But it was not a working nunber! I wanted to know my PIN number bipartisan this was impossible to get as aforementioned!
Company Response:
State: NJ
Zip: 07090
Submitted Via: Web
Date Sent: 2018-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: In 2007 my husband and I took out a loan from Beneficial for {$10000.00}. This loan was not paid in full. Beneficial charged it off. Today, XXXX XXXX MY FATHER was contacted and was told they were going to put a lien on HIS property because he co-signed on this note. HE DID NOT CO-SIGN ON THIS NOTE. My husband did. This was from XXXX XXXX XXXX. Phone # was XXXX. They have upset my XXXX year old father and have made him feel like he was going to lose his property when he didnt even co-sign on this note to start with. They evidently looked up his background and saw he had perfect credit and land.
Company Response:
State: SC
Zip: 29526
Submitted Via: Web
Date Sent: 2018-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: The debtor filed bankruptcy in 2013 of the debt. The debt was later filed as a lien against me from XXXX XXXX XXXX, XXXX in XXXX County Court, Docket # XXXX. The debt was Discharged in Bankruptcy earlier yet XXXX WILL NOT properly communicate, address and release the lean. In contacting the company on XXXX, and XX/XX/XXXX, the department I am told that should address the issue has a phone number that leads to a machine where a message can not be left. They will not transfer me to anyone that can help, but state simply I must talk to the Bankruptcy department which is perpetually unreachable due to the phone number they transfer me to. Spoke to a supervisor on XX/XX/XXXX who encountered the same issue, but was unable to transfer the call to ANYONE who could help, but simply said they would send an email. So I'm to just sit here and wait?? I am in the process of trying to purchase a home and this has become a roadblock that I can not resolve. Please help me today!
Company Response:
State: TN
Zip: 37921
Submitted Via: Web
Date Sent: 2018-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Fw : XXXX Confirmation Number : XXXX - Dispute Received HSBC has engaged in a deceptive business practices related to my dispute. Where HSBC blocked my capabilities to make payments and at the same time commenced charging me interest. Since my initial complaint to HSBC nearly 4 months ago, I have received XXXX ( XXXX ) letters from XXXX XXXX, XXXX, Customer Relations dated XX/XX/2018 ; XX/XX/2018, XX/XX/2018 and XX/XX/2018, the latter received today, XX/XX/2018 all of which informing me that my complaint was being investigated. However, HSBC sent another threatening letter dated XX/XX/2018, HSBC Collection and Recovery Department, demanding a payment of {$140.00} believed including interest for which I do not believe I owe given the fact that HSBC created an inability to continue monthly payments. The interesting fact is that the two HSBC entities do not seemingly know what the other is doing and possibly the root cause of this entire mess created by HSBC. One of HSBC XXXX sends a letter dated XX/XX/2018 confirming prior letters that this matter is under investigation while HSBC XXXX and XXXX Department on XX/XX/2018 between the HSBC XXXX, XXXX XXXX, letters of XX/XX/XXXX and XX/XX/2018 sends an HSBC Letter of Demand on XX/XX/2018? XXXX See Attached letters ) In closing, to resolve this matter three ( 3 ) things must take place : ( 1 ) re-establishment of my HSBC in-line capabilities for making credit card payments and the reinstatement of my previous credit line ; ( 2 ) removal of all interest charges commencing XXXX, 2018 ; ( 3 ) written apology for having to endure HSBC Maltreatment and obvious harassing business practices. Respectfully, Signed on this the XXXX day of XX/XX/2018 XXXX image
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2018-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: We closed our HSBC Platinum MasterCard credit card account on ( or shortly after ) XX/XX/XXXX. The card still had a balance at this time. Upon closing the account, we were forbidden from making payments online. However, no paper statements were ever mailed and no payment address was provided online. We repeatedly called and asked to be sent statements. On XX/XX/XXXX, we made a monthly payment over the phone and requested again to be sent a monthly statement ; in response, the statement for which he had just paid was sent, but no further statements were sent and no due dates or amounts due were ever provided. On XX/XX/XXXX, we were charged a {$25.00} late for failing to make a payment, even though we never received a bill and were not allowed to pay online. Our account, which previously carried 0 % interest until XX/XX/XXXX, is now incurring interest daily. Furthermore, our credit score is potentially damaged due to the late payment. All of this appears to be a deliberate attempt to extract fees and interest from customers by forcing them to miss payments on their account.
Company Response:
State: IL
Zip: 60187
Submitted Via: Web
Date Sent: 2018-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dear CFPB, I am XXXX XXXX. My email address is XXXX. My phone number is XXXX. My wife and me took two cruises with XXXX XXXX from XX/XX/2018 to XX/XX/2018. I used HSBC credit card. This is a copy of my ship card. ( See attachment ) I got a bill from HSBC, they requested me to pay {$410.00} to XXXX XXXX and {$150.00} to XXXX XXXX XXXX. ( See attachment ) I paid them, but I filled out a dispute form. ( See attachment ) I got a letter with HSBC, they said " After careful review of your dispute, we have determined that we do not have sufficient documentation/information and are unable to pursue this matter further. '' I wrote a complaint to you. Please help me to refund back my money {$150.00}. Thank you.
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A