Date Received: 2018-05-29
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I believe a business bank account has been opened in my name using my social security number # XXXX or my tax id number associated with my social security number " XXXX XXXX XXXX '' XXXX. My mother XXXX XXXX and Brother XXXX XXXX have used my tax id numbers to open bank account without my knowledge. Can you please close any account related to my social security number or tax id number and send all closing balances to my current address
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XX/XX/2018 To : Federal Reserve Bank, XXXX consumer finance This is a complaint Against HSBC Bank. USA, N.A XXXX XXXX XXXX XXXX, XXXX XXXX. In the last few weeks I experienced difrential and unfair treatments by HSBC bank caused me great stress and aggravations. I tried to reach the bank for a number of days to close the recent card sent me without any success. ( card No : XXXX ). I applied for a credit card about 6 weeks ago. I received the approval and the credit card thereafter. I activated the card successfully. Days after a found that a block was done on my credit card. When I called a representative requested identifications of my address and my driver license which I did send them to the website they provided they emailed to me. Days later a representative told me that they did receive them and under review. For about three weeks I tried to find out if I can use the card without success. Every time I called, the agent, I was transferd me to other agent. In each transfer, I waited 20 to 40 minutes without response. On XX/XX/XXXX, I called the following listed HSBC numbers : XXXX ( XXXX ) XXXX at XXXX, XXXX ( XXXX ) XXXX XXXX at XXXX, XXXX ( XXXX ) XXXX at XXXX and XXXX ( XXXX ) XXXX atXXXX. And again was not able to connect to any agent. Finally, the agent of the number XXXX ( XXXX ) XXXX informed me that my card is activated and ready to be used. Later, I tried to charge {$100.00} to XXXX, the charge was declined. This caused me real anguish and distress. Therefore, I decided to call to cancel the card using all available HSBC numbers without any success. Every time the agent tells me that he will transfer me to the team who handle my Account. And every time I wait and wait and did not get a response. Therefore, I decided to cancel my card and get confirmation that my credit card is canceled and the account is closed. That to be sure that my account will not be hacked. Until today XX/XX/2018 I was not able to. These practices by this bank represented unfair treatment and disregard of the consumer rights. Again, this would create risk of hacking my credit and hurt my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX
Company Response:
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a credit card from hsbc bank. I had issues was not working and received a debt release or credit release indicating since I had not paid my debt, It would be added to my income. Since it was added to my income then it became as a debt that was paid. They should not be reporting to the credit agency as not paid. XXXX, XXXX and XXXX. I have already reported the debt as part of my income and was taxed on that incomed. This appears to be a form of accepting payment twice for credit that was added to my w2 form as a form of income. Is this a legitimate business practice. If it is please explain the law or statue that allows it. Not a business policies. Policies are not laws. Please assist me. My complaint is with the merchant I will file a dispute with the creditor after I get a response from the merchant.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: HSBC has created a burdensome and layered system to access your account and make electronic payments. It requires a paper form to establish an automatic payment and it requires pre-established pin to access your online account. I attempted to request a temporary access and I was a 20 number temporary username. These steps and requirements are said to be placed for security reasons but further insight into these practice can show an attempt to lock out older or less engaged account users.
Company Response:
State: AZ
Zip: 85298
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Short version is there is a hard pull being erroneously reported to XXXX by the bank ( HSBC ). XX/XX/XXXX - I downgrade my creditcard with a phone agent named XXXX, she confirms that there will be no hard pull for this downgrade XX/XX/XXXX - hard pull appears on my credit report, HSBC agent tries to convince me that it is a soft check, I provide evidence showing it's indeed hard and not soft XX/XX/XXXX - HSBC agent XXXX admits erroneous hard pull, provides nominal handout XX/XX/XXXX - HSBC agent XXXX requests the inquiry on XX/XX/XXXX be removed, and that I should wait 60 days for this change to reflect with the credit bureaus. Hard pull still being erroneously reported, HSBC tells me that " it only affects my score up to 90 days so who cares. ''
Company Response:
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: We kindly refer to the previous correspondences with CFPB and FDIC pleas see attached our Description and requests as follow : -- -- - Forwarded message from " XXXX XXXX ''
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Complaint against HSBC, NA Good morning, an Assign and Release Form between the POAs and HSBC, HSBC is to wire in the amount of {$8200.00} to mothers account which funds were fraudulently taken. When this agreement was drawn up we didnt return it right away due to taking care of mom, and finally getting her to sign the agreement which was no easy task. HSBC did not include a date for which this document was to be returned. As recently as XX/XX/2017, HSBC has requested the swift # to wire the funds again. Request from XXXX XXXX via e-mail to myself and communication with the other POA. We are seeking funds be credited to mothers account as stated in the agreement. We have made financial decisions contingent on these funds being sent to mother to cover expenses she is incurring at her senior facility. Every time one of us contacts HSBC, they claim the swift # was not supplied. It has been supplied. My last communication to XXXX XXXX, she was to check that the swift number was correct. It does not take weeks, days or months to verify swift numbers. Thank you for your time.
Company Response:
State: FL
Zip: 33618
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My XXXX-year old godmother opened a joint account with me for the purpose of saving money for her funeral. ( I have accepted responsibility for planning her funeral when the time comes. ) She deposited a total of $ 14,000+ in the account and the funds sat there untouched for several years. In the summer of XXXX, an individual presented the bank with a Power of Attorney purportedly signed by my godmother. In fact, the PoA was never notarized by the signature purporting to be hers. Further investigation by the local law enforcement agency shows that the supposed Notary Public does not even exist. The bank was careless in accepting the PoA. The bank was careless in not noticing the account being totally drained in a 2-month period after having sat inactive for many years. This was a total disservice and disservice to an elderly person. The local law enforcement agency is actively investigating this matter but we do not expect to ever be able to recoup the money from the man who stole it. I have written to HSBC in XX/XX/XXXX and asked them to restore the missing money. The bank has ignored my complaint and request. The bank has possession of my original letter, the Power of Attorney and all the monthly banking statements showing the activity on this savings account.
Company Response:
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Attempted to request for a workout option to keep home with lender and was denied for only one option ( modification ). Was told there was no other option and could not reapply for a modification. Lender requested that 50 % of past due amount would have to be paid upfront before any consideration of a repayment plan. The amount was estimated to be over {$7500.00}. I do not have that amount of money. I have attempted several times to negotiate with the lender and have provided all requested documents. I want to keep my home after residing there for XXXX.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX ( XXXX ) is in violation of Forced Placed Insurance, lying and deceit. On XX/XX/2018, XXXX stated, " Lenders Placed Insurance In your inquiry, you question XXXX adding Lender Placed Insurance ( LPI ) to the account. XXXX does not show that any LPI has been added to the account. '' However, in correspondence ( certified mail ) from XXXX dated XX/XX/2018 and received XX/XX/2018, XXXX states, " This is your second and final notice that our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property ... ... ... ... ... .. The insurance we buy : Will cost an estimated {$1100.00} annually, which may be significantly more expensive than insurance you can buy yourself. '' On numerous occasions I have explained to XXXX they have no legal security interest in the property they now claim to be placing forced placed insurance on. The legal description in all notes and mortgages do not coincide with the property they are now fraudulently trying to place insurance on. XXXX continues to conduct business in a fraudulent manner and continues to go unchecked by appropriate authorities. I demand appropriate action by the CFPB.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A