Date Received: 2018-06-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX, HSBC received a restraining notice on my account. As a result the decided to make my life miserable!! I spoke to the legal Departmemt 3 times and was promised and I have it in email that it didnt affect my credit card and my line of credit plus any amount in my account above the restraining notice can be used. However the situation was completely different!! They conducted deceptive business practice and criminal activity all on the basis that its in the terms and conditions and therefore theyre allowed to do whatever they want. HSBC simply fails to understand that terms and conditions can not override laws and consumer rights. Ive been abused, I can show proof from my phone call history and especially my chats how I was lied to every day hundreds of times. Im completely drained and suicidal, HSBC took away from my every appetite to breath on this world. Its illegal to play around and lie to a customer no matter what the condition is. I also received emails from consumer relations Departmemt that they are looking into this matter and will get back to me within 48 hours. But that wasnt the case!!! Everything is documented and I have proof of everything should I need to pursue legal action. Theres absolutely no way in this world they can make up the abuse they did to me! And abuse of power is a crime under penal law. I got an alert from the credit bureaus that my credit card and line of credit is closed which is was an adverse impact and I called in again and they told me without hesitation we see its not closed and everything is fine. Then they shifted gears and said all I need to do is go to a branch to verify recent activity and everything will be ok. I went to 5 branches and not only did they tell me theres nothing we can do but threw me out as I was begging them for help. This complaint is not about my money, I need answers!! I need to know why HSBC decided to make my life miserable and what sin did I do to deserve this!!!! Then lem me go to the Fraud Departmemt which called me on XX/XX/XXXX that I need to email them documents and then everything will be good and theyll call me within 24-48 hrs!! And again that was not the case, they never called me and I keep on emailing them and theres no one to talk to!! Im being transferred thousands of times and Im being made a puppet of!! Simply taking advantage of me for no reason!! On XX/XX/XXXX I spoke to a rep which finally helped me remove the restriction on the credit card and it worked for exactly 10 minutes. please HELP WHAT DID I DO WRONG ALREADY!!!!!! Im screeching from pain!!! Im chocking I just cant tolerate this corruption!!! HSBC is basically allowed to do everything weather legal or not by using their excuse that its either in the terms and conditions or its for ur own protection!!! And how in the world does this protect me.?????? Then they returned just this week 4 credit card payments I made!!! They simple arent happy that they ruined my life but now they want to ruin everything I have!!! I was now in a branch and the branch told me that the reason is the need to verify the source of the funds I told them in detail every penny from where it came from and I was shocked how every minute and every call they have a new reason, new excuse and new departments handling my account FOR MY OWN PROTECTION!!! The punchline is they see and know their not right as a result 90 % of representatives just hang up the phone call on me. I called in today another 100 times and told them I dont care anymore about my money, all I want to know is why in the world is HSBC doing this to me!!!??? I told them keep my XXXX as a donation and just tell me what did I sin and why are you doing this to me!! And again and again and again was I being transferred they transfer you nonstop its crazy!! I ask the CFPB to please investigate their deceptive business conduct and fine them for billions of dollars even they have terms and conditions The pain and misery they are able to cause someone wasnt heard in history!! Even world war 2 didnt go through the torture theyre able to pull off!!! I am definitely damaged for life and Ill never be the same. I ask the bureau for permission to record my next 100 phone calls to show rock solid proof how Im being treated!!! Should this continue Ill take legal action to the full extent of the law!!! Yes law!! Not terms and conditions!!!! Ive already had a consultation with a criminal defense attorney and he mentioned 4 counts of fraud HSBC did to me. And Im sure if their doing it to me their doing it to everyone. If its really true that all that want is to verify activity on my account all they need to do is verify it!!! But the problem is that excuse can no longer be used as I already verified it 100 times and was lied to and told that NOW YOIR account IS ALL GOOD!! Then yesterday I spoke to the Fraud Departmemt which told me they only need to very a XXXX transfer and I verified it and then was told ok wait 5 minutes and Ill be able to login to ur account and everything will be ok and again that wasnt the case!!! This can not be accepted!! The burea should look into them!!! And Im willing to anticipate with the bureau to fine them for billions!!
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2018-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XX/XX/XXXX, I mailed a check ( # XXXX ) for XX/XX/XXXX rent for {$3000.00}. My landlord never received check # XXXX. I discovered the check was forged and submitted an affidavit to my bank HSBC. I was reimbursed for the check on XX/XX/XXXX. However, since I was behind on rent for several months, I was required to appear in court on XX/XX/XXXX. My landlord charged me {$870.00} + $ XXXX= {$890.00} in legal and processing fees. In an email on XX/XX/XXXX an HSBC representative says they will not reimburse the legal fees. HSBC is liable for the fees because their mistake ( allowing a forged check to be cashed ) is the reason I had to go to court and pay the fees.
Company Response:
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made a purchase with my HSBC credit card, but cancelled the order with the merchant. Merchant accepted the cancellation : " XXXX-Sales Tue XX/XX/XXXX, XXXX XXXX Hello, We're so sorry to be losing your business and will submit your request to cancel. Is there something we could've done better to gain your business? Did you find a better deal somewhere else? Thank you, XXXX " Then I received an email nearly a month later : " XXXX-Sales XXXX Thu XX/XX/XXXX, XXXX XXXX Hello, I am reaching out to let you know that today we tried processing a refund for your order with us, and the transaction was declined. There has been a very big push on the Credit Card processors to not do business with companies who sell firearms, and they are not allowing us to process refunds at this time. This has caused a huge problem for us as well as our valued customers, and we apologize for the inconvenience. Since we are unable to process the refunds through the Credit Card processer we kindly ask that your credit card company cancels this transaction for your order. We know that this could negatively affect our company, but unfortunately our hands are tied. We are so very sorry Thank you for your understanding. We hope that you have a wonderful day -XXXX Bless- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX '' I requested an immediate reply from XXXX : " XXXX-Sales Thu XX/XX/XXXX, XXXXXXXX XXXX It looks like we tried to refund your purchase, however the credit card processor we were working with declined the transaction. We kindly ask that you contact your bank and ask them to do a credit reversal. If they need to speak to us please just give us the contact information. We are so very sorry for the hassle. Thank you for your time. XXXX " Still no refund, so I contact HSBC. HSBC keeps sending me different emails to submit these emails to them. Each email bounces back by their own server. One email given by email from HSBC was : XXXX. On the phone they said, " XXXX '' -- both can't be reached by XXXX XXXX or XXXX XXXX. HSBC is refusing to provide any support after multiple calls. Each email I send them ignores the information previously provided and given. Finally, HSBC suggested I contact the merchant. However, I have already provided the emails showing the merchant isn't being helpful AND HSBC has already tried contacting the merchant ( unsuccessfully ) while I was on their line with their dispute department. Thank you so much. I have
Company Response:
State: UT
Zip: 84121
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for an XXXX XXXX XXXX credit card and was informed on XX/XX/XXXX that I was approved. The card came, I used it at the post office on XX/XX/XXXX. On XX/XX/XXXX the card was declined. Thinking it was the machinery at the store, not the card, I tried again on XX/XX/XXXX. Again it was declined. On XX/XX/XXXX I called customer service at XXXX and after 55 minutes on hold was told I had to speak with Fraud Prevention. When I finally connected with them I was told they couldn't tell me why the card was declined - and that I needed to send proof of I.D . I snail mailed and emailed copies of my driver 's license and passport. I was given an ID : XXXX On XX/XX/XXXX I send them an email asking why I hadn't heard from them. My credit rating is XXXX and I have been denied two other credit cards I have applied for. I am sure HSBC is the reason. I have put {$56.00} on that card. I don't have access to the card to pay it. They haven't responded to my email or my letter. This is the worst, by very far, credit card company I've ever had experience with. Please help me find out why I am being denied access to credit cards. Please make HSBC contact me.
Company Response:
State: CO
Zip: 80214
Submitted Via: Web
Date Sent: 2018-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have had an HSBC account in the USA since XX/XX/XXXX and I opened it because I had an HSBC account in XXXX XXXX. I primarily opened it as a joint account with my son who was starting university there. My daughter too now is studying in the USA and I frequently transact on that account to send her rent and university fees. My XXXX TV and other paid apps are also connected to that account. The last transaction I did on it was on the XX/XX/XXXX and now they seem to have abruptly closed my account with no explanation and I had upwards of {$18000.00} in it. Funds that I need access to to pay for my kids in the US. I called everyday for the past week and I keep getting transferred to various call center customer service people who are not able to give me any definitive answers. The bank is HSBC USA and I am very very worried as have several payments to make for my daughter at university.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My name is XXXX n i have a checking acountt with hsbc.. i got debit and credit card both.. but i never knew that one mistake i made n which is very badly hustling me.. beacuse i m saying it, if i knew i would have never done that, cz i have a good transaction sith hsbc., Scenerio ... On of my friend advise me to do online survey.. i did to be honest.. and i got a check from them too.. i dont remember the company name but i got it USPS service at my home address.. n when i received thst i was happy n excited.. n also i never knew or know ehst is fake check n what is good check :. So i deposited thise checks in my account .. if i knew yhat the check eas fake.. i would never do that.. even when i saw that deposited has made, i promise i havnt spent a single XXXX from that deposite.. and so on.. i promise if i knew i would have never done that. So next day when i sit to make a payment for my husband, i saw that my card was block and my account was suspended.. so i called the bank in the main time n they told me that something fraud related happen so they r connnection me to them, more than 30/35 mins til todays date i call them but no respont.. after than inwent to bank n talk with a represtator, n she explain me .. what actually happen plz help me now with this.. plz its a request ...
Company Response:
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-10
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I purchased 2 XXXX dirt bikes using the XXXX credit card a line of credit provided by HSBC. I got behind on payments and HSBC sold the credit card debt to a third party debt collector. I was contacted by XXXX XXXX XX/XX/XXXX 2011 stating she was with XXXX XXXX XXXX XXXX and was collecting on the HSBC debt I owed. She stated the dirt bikes I purchased would be seized unless we could settle the debt. She stated that if I could pay a total of {$2700.00} which needed to be wired she would send the titles to me for the dirt bikes. I wired {$2500.00} on XX/XX/XXXX and the remaining {$200.00} XX/XX/XXXX only to find out that they did not hold the titles for the dirt bikes as they were still showing the lien holder as HSBC ( found out later ). I then realized that not only was the debt not settled but XXXX XXXX XXXX sold the debt to another debt collection agency XXXX XXXX who then started trying to collect for the same debt. I did not agree with the debt XXXX was trying to collect, XXXX filed a judgement against me which I then thought Bankruptcy was the only way out. I filed chapter XXXX bankruptcy which was converted to a chapter XXXX in XX/XX/XXXX. I feel like this was handled very wrong by HSBC who sold my debt to a third party debt collection company but has never released the liens on the bikes to these companies. Then I was lied to by the third party debt collector XXXX XXXX XXXX XXXX stating they would release the liens if I paid when in fact they did not hold the liens. HSBC has since sold the XXXX accounts to XXXX XXXX who has no records therefore I am unable to dispose of or get rid of these dirt bikes or even come to any type of settlement with them to release the liens.
Company Response:
State: UT
Zip: 84096
Submitted Via: Web
Date Sent: 2018-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX , XXXX Opened XX/XX/2013 {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. Balance {$390.00} Highest Balance {$390.00} Opened XX/XX/2013 ( 4 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX Company sold my account to XXXX XXXX. Prior to this happening I received a form that informed me I had to report the credit as income. I did. This happened prior to the account being sold to XXXX XXXX. It has been reported to XXXX and XXXX and it should have not. Primarily it should have not been sold. Why? Please have them explain what law allows them to do so. I am not a lawyer or aware of any laws. Furthermore they have not provided any information that includes why I received a form that indicates I have to report the form as income and what law allows them to do so. It came from HSBC. I believe. Please assist me the company has not responded and has not provided confirmation on how they are allowed to sell the account to XXXX XXXX at the moment I reported the balance as income. This is double dipping. Are there any accounting laws that prevent such infraction. I believe there is. Please enforce law. Please advise me of all possible routes to gather compensation for emotional distress.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-09
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I've had my XXXX Credit Card since XX/XX/2018 and paid my balance in full on time every month since inception. Recently I tried using the credit card to make a purchase at the grocery store and it was declined so I tried calling to find out what the problem was. I could not get through on the phone as it took well over 2 hours while I sat on hold for a representative so I tried emailing through the BankMail feature that the bank uses to communicate with customers and using the HSBC Chat option however no one would help. I was told that the only way I could use my credit card was to call the Security Dept. to unlock it. They wouldn't even allow me to pay my balance so I was in jeopardy of getting late fees and probably a blemish on my credit report. To avoid that from happening, I had to XXXX my check to some payment center in XXXX where they accepted and cashed my check. I continuously tried in vain to contact the security department at HSBC and was promised a call back numerous times however no one ever attempted to communicate with me. I've sat on hold for hours to be transferred multiple times and then mysteriously disconnected. I've had my father who is retired sit on hold because I couldn't afford to lose my job sitting on hold during work hours because I was told the department I needed to speak with is only open from XXXX XXXX to XXXX XXXX EST. I called every number in the credit department that I was told to call. My attempts were fruitless. I even called and sat on hold last Friday and began my call at approximately XXXX XXXX EST but exactly at XXXX XXXX on the dot, I was disconnected intentionally because the hours of operation ended and anyone sitting on hold just gets hung-up on like a piece of garbage. Yesterday, I sat on hold for 2 hours and 57 minutes before someone would talk with me and then they transferred me so I sat on hold another 1 hour and 42 minutes until someone else finally picked up in the correct department. Even with that horrible experience, it wasn't enough since they use some device which is supposed to instantly confirm an identity of the person based on the telephone number you provide to them and that didn't work with me for some odd reason even though I've had the same number for 10+ years. I then demanded that they close my account but they refused and told me they couldn't talk with me any further. I have a home phone and cell phone and neither was acceptable even though it was good enough for them to open my account to then subsequently freeze it and steel my CashBack balance. It sounds awfully familiar to alot of thee complaints I read on-line. It appears they are running some type of scam only to steal customer funds and not allow you access to your cashback funds. I provided my account number, social security number, 4 digit private pin that the bank assigned to me and 3 digit code on the back of my card and that still wasn't good enough for them to confirm my identity. I offered them copies of my drivers license, birth certificate and even copies of the utility bill but they wouldn't even consider that. The supervisor in the security department who finally took my call, had the ability to fix this mess with the stroke of a button but refused to unlock my account or accept my payoff even though she confirmed every bit of info that she requested of me to confirm my identity which I still can't understand why I have to do at this point. I can confirm anything in the world to confirm that my identity is who I am but that's not good enough for them. They have never called me even once to rationally discuss this even though I was promised numerous times both on the phone and through the secure Bank-Mail feature on-line that a supervisor would call me back. You can review my account and see there is no problems and has never been. Maybe it's because I'm young or maybe it's because they discriminate against women. I then asked for the overnight mail address to file a complaint and the woman refused to give me a physical address and said they don't accept overnight mail. Who doesn't accept overnight mail in the banking industry? I have now forwarded my complaint to you the NY Attorney General 's office is next. I hope an investigation of the banks credit card operations is initiated as a result. I also plan on contacting the Securities and Exchange Commission if they refuse to send me my money within the next 10 days. I'm sure they must be violating all sorts of banking and securities regulations and I hope they get fined to the max. Every single one of the people I spoke to or came in contact with on-line ignored my pleas for help. It shouldn't take an act of XXXX or my father having a stroke to get someone to help a customer that has nothing to hide or hasn't done anything wrong. I can't even close my account for gods sake. Please help me and thank you for your time.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2018-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/XXXX I filled an online application with HSBC Bank to open a Advance checking account and was declined with no explanation.The application reference is XXXX.I sent a letter on XX/XX/XXXX requesting the reason for the denial and have not heard from HSBC. I believe my application was declined for no valid reason.
Company Response:
State: CA
Zip: 90042
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A