Date Received: 2018-07-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I tried to open a HSBC Advance Checking Account on XX/XX/2018. HSBC withdrew {$10000.00} from my XXXXXXXX XXXX checking account as opening deposit on XX/XX/2018 but failed to provide any information on how to access the HSBC Advance account. I contacted HSBC several times via online chat, phone call and email, HSBC still did not provide me access to the HSBC Advance account. I was never given EBN ( Electronic Banking Number ) to register my account. HSBC also falsely advertise 24x7 service for HSBC Advance banking. When I called XXXX after XXXX ET, no one was available to answer the call. https : //www.us.hsbc.com/XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94404
Submitted Via: Web
Date Sent: 2018-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-28
Issue: Other features, terms, or problems
Subissue: Problem with convenience check
Consumer Complaint: On XX/XX/XXXX, I made a payment online to HSBC Bank in the amount of {$1300.00} from my XXXX checking account. On XX/XX/XXXX it was credit to my HSBC account and showed an available balance of a little over {$2200.00}. On the same day, my XXXX checking account showed the {$1300.00} had left my account and paid to HSBC Bank. On XX/XX/XXXX I wrote a balance transfer ( convenience check ) to XXXX XXXX for {$1300.00}, that were issued to me by HSBC when I first received my credit card with them. On XX/XX/XXXX, XXXX 's stated the check was returned and to " Refer to Maker ''. When I spoke to XXXX 's, they stated that HSBC did not honor the convenience check and to speak with them. XXXX 's charged me {$37.00} for the returned check. I contacted HSBC 's customer service and they didn't understand why it was returned because my account showed I had sufficent available credit to cover the check. They stated that they should that my payment in the amount of {$1300.00} on XX/XX/XXXX cleared and posted to my account on XX/XX/XXXX and that the convenience check written on XX/XX/XXXX to XXXX 's should have cleared without any issues. They stated they would investigate the matter and that they would reimburse me for the {$37.00} returned check fee that XXXX 's charged me. After a few weeks with out being reimbursed, I contacted customer service again and was told that even though my {$1300.00} payment posted and was credit to my account on XX/XX/XXXX, that it really didn't clear until XX/XX/XXXX and that is why the check written to XXXX 's on XX/XX/XXXX didn't clear and was returned unpaid. When I questioned them on this they stated that its in my terms and conditions that payments made may take up to 14 day 's to post. I explained to them that my payment didn't take that long and that I have proof from XXXX and my online account with HSBC that shows it cleared and posted on XX/XX/XXXX, they still refused to admit fault and reimburse me for the {$37.00} returned check fee that XXXX 's charged me. After that, I requested to speak to a manager 3, being put on hold for well over 30 minutes each time and after being on the telephone for well over 2 hours, they hung up on me without ever letting speak to a manager.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received the letter I have submitted today from a company called XXXX. It says the original creditor is Beneficial ( which I have never had an account with ), and I owe them over XXXX. I would like to see the original credit docs that I signed to obtain this debt.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I believe that the HSBC bank is needlessly engaging in conduct that enables identity theft. I have not to my knowledge been victim of any fraud yet, but I feel I need to escalate this, since it is my impression that a large number of customers could be exposed through this leak. The issue is this : HSBC asked me for my mother 's maiden name, and SSN upon opening my account, and asks for them when I call them on the phone, all of which is of course customary. However, what I discovered is that having logged in on their online banking website, the browser shows me my mother 's maiden name, and the last four digits of my social security number ( on the " Apply for Credit Line '' subpage ). There is no reason for the website to show that information to me, on the contrary, if a hacker manages to get a key-loger on my computer, to lift my login and password, they would be able to leverage the HSBC leaking my last four of SSN and mother 's maiden name to be able to impersonate me on phone calls to HSBC or other banks. I am not familiar with the law, but I would expect it to state that one can not propagate personal information of customers except if there is good ( business ) cause, of which there is none here. Also, I would expect that banks are under obligation to make a good faith effort to verify my identity, if they get a phone call from me asking to make a wire transfer, but I can not see how HSBC can claim that asking for my mother 's maiden name satisfies that obligation, when their website leaks that piece of information to anyone with a keylogger. I have pointed this out to HSBC representatives in no uncertain terms, but the response I got was that they would " pass on '' the information to their web development team, without acknowledging the seriousness of the situation.
Company Response:
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2018-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-23
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I WAS TRYING TO CLOSE MY CREDIT CARD ACCOUNT WITH THIS BANK ON XX/XX/2018.THEIR CUSTOMER SERVICE WAS VERY BAD. I WAS ON THE PHONE MORE THAN ONE HOUR. MY CALL WAS TRANSFER FROM ONE DEPT. TO OTHER. MORE OVER CALL CENTER WAS IN XXXX & THEY DID NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.I COULD NOT CLOSE MY ACCOUNT.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2018-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-22
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I tried to open an HSBC Advance Checking account on XX/XX/18. I was declined. I think I failed the Auth Interview questions. I tried multiple times to contact HSBC and see what could be done toverify my identity ( i.e. send in SS card and Driver 's License ). I was told to call my local branch, so I called the XXXX, DE branch who said they can't do anything to open the account with the same terms ( {$350.00} reward ) for opening it online. I am looking for someone competent at HSBC to assist me with opening this account and honoring the {$350.00} reward if I deposit {$10000.00} within 30 calendar days.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The debt collector ( XXXX ) has falsely " parked '' old debt on to my credit report that was found to part of identity theft from XX/XX/XXXX. They have tried to " reage '' this debt onto my credit report as being opened XX/XX/XXXX and owing {$1200.00}. They have also falsely and illegally reported twice on this same account for another {$1200.00}, and have falsely said this was opened XX/XX/XXXX. XXXX recovery services has illegally harmed my credit on a debt that is not mine. XXXX and XXXX cleared this identity theft over XXXX or 4 years ago. I have written XXXX with no response. I have asked them to remove this from my debt as I do not owe on this debt. Not only have they refused to give me information on this debt, they have now double reported on my credit report in an effort to collect more money from me. My next step is to sue them in court if this is not resolved. I have attempted to get this fixed for almost 2 years now with XXXX. They have falsely reported wrong information on my credit report with XXXX, with the sole purpose of keeping this debt " alive '', when it should have been removed from statue of limitations in XXXX and when this was found to be used from identity theft years ago. Because this information was removed over 3 years ago from my credit report I did not keep that paperwork as I thought it was final. Then XXXX parked this old debt after purchasing it wrongfully after the fact when it had been removed from my credit report. The original debtor was HSBC and had been removed from my credit report only for them to sell this wrongful debt to XXXX after it had been found to be part of several accounts used as part of identity theft. I have asked for any signatures of mine, driver license, proof that this was my account and have yet to receive anything back. Please help me get this matter resolved as I feel extorted to pay two debts on an otherwise clean credit profile while Im looking to purchase a home. After an inquiry on a mortgage is when the 2nd reporting of the {$1200.00} debt was added to my credit report. Thank you for your assistance.
Company Response:
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: About a month ago, I opened a credit card account with HSBC - it is a XXXX, cash rewards card. Then, a week ago, this card was declined at XXXX XXXX store. I have excellent credit score and have never had something like that happen without any communication from the bank. I tried calling the customer service number : multiple times I was placed on hold for " security department '' for over one hour and the call never got answered. Last week, I have called daily - same situation, call is picked up by someone who " doesn't have access to the account '' that tells me that account is blocked but not able to see why, and informs me they are going to transfer me to " security department '' - again after being on hold for over an hour the call does not get answered. On friday XX/XX/18, after spending 2 hours on hold, I looked up the local branch address and drove there while I was still on hold. There was one desk and one person there who informed me they do not deal with personal accounts, only with corporate ones and I need to call customer service. After multiple hours on the phone and demanding to be connected to someone who can explain the reason for the block, I spoke with XXXX in security department who was helpful in sending me an email with request of information need to confirm my identity. I emailed requested information back yesterday monday XX/XX/18. Again, no call back or any communication from HSBC. Today, my wife set her alarm for 30 minutes early to call early in the morning ( XXXX our local time ) because that is when I was told wait times are short. After being on hold for almost 90 minutes, XXXX from security department picked up the phone and said that they requested information from me but she can not tell her why the card is blocked until they received information. My wife told her that information was emailed yesterday, after that XXXX put her on hold and then came back to say that it was unacceptable because on the paystub copy ( for address verification ) I have blurred out my amounts and salary. My wife proceeded to say that we felt uncomfortable sharing any more financial information after not knowing why our card was blocked and already sharing SS number. XXXX said she can not help then. My wife asked if she can close the credit card account then, XXXX replied that " no, and it is not even your card ''. My wife said that she will get me on the line to speak directly with me to which XXXX replied - " Thank you for alling HSBC, good bye '' and hung up the phone. That is after being on hold for 90 minutes .... for multiple times. And the scary part is, when I log in online, I am not able to make any payments on the card and it does not show minimum payment due and total payment due. I am worried that I will end up with late fees and interest rate. This is not how I handle my financial life. Myself and my wife have excellent credit score ( about 850 ), we pay off all credit card balance by the end of each month and have never ever come across such unacceptable customer service and security concern. I could have been traveling with this card and been stranded ... When I asked if someone could actually call ME back o explain and review the account, I was informed that they are " not able to call out ''. I am at a loss of how to get this resolved after today 's hang-up. My trust has been violated and I WILL be closing this card as soon as I find out how. I would appreciate this company 's unethical practices being examined. And really, I just want to be sure in my financial security. Thank you
Company Response:
State: CO
Zip: 80004
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: HSBC sent me a letter by mail, offering me to " Get a {$350.00} Welcome Deposit with a new HSBC Advance relationship and qualifying activities. '' I satisfied all of the conditions for the {$350.00} Welcome Deposit months ago, but HSBC refuses to pay without any reason.
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2018-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I, XXXX XXXX, wrote a XXXX XXXX dollars check to my relative, XXXX XXXX XXXX on XX/XX/XXXX. She successfully mobile deposited the check on XX/XX/XXXX with her XXXX XXXX XXXX checking account. However, it seems like her check was lost or stolen and someone else deposited the check again in XX/XX/XXXX. HSBC denied to provide any helpful information regarding the deposit on XX/XX/XXXX. Instead, they simply request credit from my relatives bank account and credit my account. Clearly, my relative was not at fault. HSBC shouldnt allow a forged check to be processed. HSBC should honor the deposit on last XXXX and go after the one on last XXXX and return the fund to my relatives account immediately. Thanks.
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2018-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A