Date Received: 2018-07-21
Issue: Money was not available when promised
Subissue:
Consumer Complaint: on XX/XX/2018 i sent a wire transfer to a bank for {$4500.00} to help a friend with travel arrangements the beneficiary was the travel agency. my bank in hawaii and XXXX XXXX XXXX have traced the wire transfer to the beneficiary.that the wire was complete however the travel agency is saying the bank did not receive the funds. I have all the files regarding this transaction as well as all the evidence showing the wire was complete. I have tried to e mail it to you as well as faxed it but I have not heard from you confirmation that you recieved it. Could you please HELP me??????
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: HSBC, I am enclosing a response from XXXX XXXX XXXX XXXX stating an Account # XXXX from HSBC that is allegedly owned by me. Please verify this account as belonging to me along with date opened, date closed/charged off, date of 1st delinquency and amount. I have no records of this account that they claim has a date of delinquency or charge off of XX/XX/XXXX. I maintain that I have not had an HSBC card since XXXX and this account does not belong to me. Please read the response below from XXXX XXXX XXXX XXXX and verify the accuracy. Thank you : To Whom It May Concern : MrXXXX XXXX is referring to a different account number. XXXX XXXX XXXX, XXXX account number for HSBC is XXXX the open account is XX/XX/XXXX, and charge off account is XX/XX/XXXX. MrXXXX XXXX tried to remove himself from XXXX two times. Thank you In response to XXXX XXXX XXXX, I do not know what XXXX is and all I am trying to do is fix inaccurate information that may have been sold to you. HSBC is the original creditor and I will await their response to this matter. Thank you!
Company Response:
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXXXXXX XXXX XXXX continues to verify false information on my credit profile. They continue to dispute the accuracy of their own reporting. I have only ever had ( 2 ) HSBC credit cards ever. Both were charged off in XXXX and XXXX. XXXX continues to report that the first date of delinquency was XX/XX/XXXX on one account and XX/XX/XXXX on another account. Although XXXX XXXX services admits that I only have ( 1 ) collection account, they continue to verify with XXXX ( 2 ) collection accounts. I am asking XXXX to stop reporting the account # XXXX They are knowingly reporting ( 2 ) accounts falsely. I have continued to dispute XXXX XXXX XXXX on both accounts as being false as I have proof from the original creditor that these accounts were charged off in XXXX and XXXX. I am including HSBC into this complaint. Because XXXX continues to say these are different accounts. The account numbers do not match up because XXXX and HSBC use different account numbers from each other. In order to link these accounts, I need more proof that these accounts have been re-aged. I need from HSBC : All accounts associated with my name. I need to verify that I have only owned ( 2 ) accounts EVER. I need exact dates of 1st delinquency, charge off date, dates opened and amounts if you have them. I NEED THIS FOR ALL ACCOUNTS ASSOCIATED WITH MY NAME. Again, I need ALL accounts that I have ever owned with HSBC, the original creditor. I NEED HSBC IN WRITING TO STATE THAT THEY HAVE VERIFIED AND HAVE STATED ALL ACCOUNTS ASSOCIATED WITH MY NAME AND THAT THERE ARE NO OTHER ACCOUNTS OTHER THAN WHAT IS LISTED. Thank you for your cooperation.
Company Response:
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I purchased a XXXX XXXX XXXX convertible vehicle that I originally leased in the state of Ohio in XX/XX/XXXX. The original fiance company was : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, CA XXXX. The purchase price was {$8300.00} and the loan maturity date was : XX/XX/XXXX. I was mailing my payments at the end of the loan to Illinois and I believe that XXXX was purchased by HSBC? I received my title once the vehicle was paid off and put it in my lock box for safe keeping. Fast forward to XX/XX/XXXX. I sold the vehicle this week to someone and signed over the title. When this individual attempted to register the title and get plates he was told that the vehicle had a lien on it. He immediately called me. Here is the documentation and steps that took since yesterday to resolve the issue : Lien Issue : Immediately called XXXX Lease Trust who owned the vehicle and they are sending a lien release. ( Approx. XXXX ) State of Ohio XXXX title division- XXXX- pulled up my title and said that they shouldve been a signature from XXXX for a lien release and that I must contact XXXX XXXX to get it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX- called number online. It is now XXXX XXXX. You must know an individual extension number to reach someone. Dialing XXXX does not work. Called the FDIC : they do not cover XXXX as it is a finance company and they are not monitored by the FDIC. Was told to contact one of three agencies : CA Secretary of State, CA department of motor vehicles, or the Federal Trade Commission. Gave me phone numbers to all three. Called the CA Secretary of State re : XXXX XXXX XXXX XXXX CA : XXXX. Talked to a call center representative ( did not get her name as I was too upset at this point ). She told me that I have to call the Department of Motor Vehicles ( CA ) and speak to the field office. Gave me the phone number. She said that the Secretary of State does not monitor business closings and where information is transferred. Called : Department of Motor Vehicles- CA : XXXX ( XXXX XXXX est ) and received a recording that there were a high number of calls- was disconnected automatically. Called again. ( XXXX XXXX est ) was on hold for 1 hour and 10 minutes before I spoke to someone in the field office they were unable to assist after attempting to pull up my VIN number as they purge every 4 years- Asked where the information is purged to and she said the ether and that it is gone for good- no information. XX/XX/XXXX XXXX XXXX- Called XXXX at Ohio XXXX title- said the only two options was to try to track down the lien sale or to do a court order title. She said to continue using XXXX to try to track down company that purchased titles from XXXX and ask for the Title Administration office. Called XXXX ( XXXX XXXX ) and was told that they only go back 6 years for information and since payments were from XX/XX/XXXX that information is gone. No one is able to retrieve it. Asked about going into the bank to get information and she said they have the same info and would not be able to pull vendor information. Federal Trade Commission : XXXX XXXX am XXXX, unable to help but transferred me to.. ( XXXX XXXX ) - Consumer Protection Bureau : XXXX Talked to XXXX. File a complaint against XXXX XXXX XXXX XXXX ( consumerfinance.gov ) - upload the forms to the complaint They work to get a response to the company. It can take up to 15 days. Final response within 60 days. Case number : keep it handy if you need to call in and get an update. Filing a complaint should include : Most current company that held my title. I can also file with the Better Business Bureau I am seeking to find out who owns my title and the current company responsible for my title. I would also like to have my Lien release mailed out to me immediately.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-19
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: XX/XX/2014 I was used in court I never received notice or letter to go to court to defend myself, my bank account was garnished two time for a balance less than a dollar, the bank charged me a XXXX fee both times and placed a hold on my account. I didn't even get a notice from the bank, I received a letter by request from the company of triple charges and fees on 2 charged off credit card accounts, false signatures, and no full validation of these debts, I started making payments out of fear of my bank account being over draft or placed on hold, I have checked with the credit bureau and there is no listed debt or delinquencies.
Company Response:
State: MS
Zip: 39180
Submitted Via: Web
Date Sent: 2018-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I made an early payment of {$50.00} to be applied to my account over the phone with a representative for the XX/XX/XXXX. My payments are not due until the XXXX of every month. I got a confirmation number of XXXX. Recently I called to question my rewards and found out my payment was rejected!!! I asked why and the representative could not give me an answer! I said it can't be insufficient funds there is money in there! I said why did they give me a confirmation number and ALSO why was I not notified through an email? I spoke to XXXX and XXXX on the XXXX and I was told someone would get back to me and no one has! I then got fed up and called back again to find out what was going on. XXXX XXXX, another " supervisor '' has to be the rudest, most unprofessional customer service rep I have ever spoken to! She told me it is not their responsibility to let me know my payments are rejected. Well it surely is if I got a confirmation number and since it's not a problem with insufficient funds it's definitely THEIR ERROR which means it's even more of a reason for me to get notified!!! Her attitude is HORRIBLE and I let her know that she is not fit for her job. She did nothing but talk in circles and repeating that someone is investigating this and will get back to me and still no one has called me with an answer! I think this credit card company is shady and wants me to accrue late fees and their customer service is the WORST!!!!!!
Company Response:
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-18
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Our remittance of US {$170000.00} from XXXX dated XX/XX/2018 still not received by Beneficiary. The Fund remitted from XXXX To XXXX XXXX - via USA. But HSBC USA holds the fund from more then a month without any intimation to us. Pls find herewith attached SWIFT copy of remittance for your reference & follow up.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2018, I transferred USD XXXX from my brokerage account at XXXX to my bank account at HSBC XXXX XXXX. The bank delayed my transfer for quite long time. After my complain ( Case # XXXX ) on your website, we got the money on our HSBC bank account on XX/XX/2018 and got apology letter from HSBC customer service as attached. But on XX/XX/2018, HSBC Bank suddenly returned my money to my brokerage account without any notice. We called XXXX XXXX XXXX customer service and the customer service person replied that she can't do anything and the relevant department didn't want to give any explanation. I also sent following email to the customer service manager of HSBC XXXX XXXX twice but got no reply : " On Sat, XX/XX/2018 at XXXX XXXX, XXXX XXXX
Company Response:
State: CA
Zip: 94303
Submitted Via: Web
Date Sent: 2018-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 1st complaint : HSBC sent me a credit card that I hadn't applied for. I've spent over five hours on hold with HSBC in an attempt to report the ID Theft and ensure that the card has been coded as such and for them to remove any related reports from my credit reports. I wasn't able to get a person on the phone until today and then they refused to connect me to the department that handles fraud/Id Theft and refused to provide me with an address or fax number for me to send a police report and affidavit to report the ID Theft. The associate said that she can not assist me that I will have to be placed on a " lengthy hold '' to speak with someone who could assist me. I told them of my 5 hours of hold times and frustration to report the Id theft and they said they couldn't assist me. I asked for their manager and they refused. I advised that I am filing a formal complaint against HSBC and the associate wasn't concerned and they placed me on hold. 2nd complaint : After I formally communicated and provided proof of my victim status as a victim of ID Theft to HSBC and having received HSBC 's acknowledgement of the receipt of the unauthorized application that they've " Denied the application '', HSBC has now communicated to me that they approved the application and are reporting it to my credit reports. Since I've received this information from HSBC I contacted them and requested a fax and or address to resend the police report and FTC Affidavit for them to investigate and resolve the issue and the associate refused to assist me or transfer me to someone who could assist me. I advised them that I am filing a complaint against them and the associate placed me on hold until I discontinued the call because they failed to pick the line back up.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/18, I initiated a wire transfer from my account as HSBC USA to my own account at XXXX XXXX in XXXX for {$35000.00}. I logged into my HSBC account and initiated the transaction using a template that I set up in XXXX when I successfully transferred {$70000.00}. On XX/XX/18, the funds had not arrived. I contacted customer service and they confirmed that such a transfer should only take 1-3 business days. I was then told that my relationship manager had to provide additional information. This struck me as strange as I had no relationship manager ; had never been contacted by a relationship manager ; and that this was never a requirement in the past. Eventually, the representative took the required information on behalf of the non-existent relationship manager - the information was the exact same information as the wire instructions. The only additional information I supplied was the branch number, information that XXXX XXXX assured me was not necessary for funds to be delivered. HSBC said the funds would be wired that day. On XX/XX/18, I called again and was told that there were security issues and system issue so that the funds had not been wired, but that they would be wired that day. XX/XX/18, I called again and was given a series of excuses why the funds had not been delivered, but that an investigation was underway. After XX/XX/18, the communication switched to email ( attached ). I have been emailing the relationship manager and customer experience team ( who is in charge of the latest investigation ), but all email responses have ceased since XX/XX/18. I have called both teams, but no one picks up the phone. Conclusion : my account was debited on XX/XX/18 for {$35000.00}. As of XX/XX/18, the funds have not been delivered to my account in XXXX and HSBC is unable to tell me where the funds are. And HSBC does not respond to email or phone calls any more.
Company Response:
State: CA
Zip: 94127
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A