Date Received: 2018-05-06
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: We were notified that an XXXX XXXX credit card in wife 's name only was delivered by USPS to a former address. We did not apply for the card, however, our credit monitoring service recorded a hard credit inquiry from HSBC on XX/XX/XXXX. We have 7 year extended fraud alerts posted with all credit bureaus that don't expire until XX/XX/XXXX. Apparently HSBC Bank opened an unauthorized credit account or approved an application for credit without contacting us per the fraud alert statement. We contacted HSBC via the number on the back of the credit card and determined the account had a XXXX balance, advised them it was issued fraudulently, and requested they close it immediately, which they claim they did. We are unable to determine whether the account was initiated by HSBC themselves or by an identity thief ... they would not supply applicant information. Our main issue is that they opened the account without contacting us despite our long standing fraud alert statement with the credit bureaus ( we have maintained extended fraud alerts with all 3 credit bureaus for over 18 years ). And, by the way, HSBC customer service is horrible ... apparently utilizing foreign call service centers and workers with extremely poor English language skills.
Company Response:
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2018-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: XXXX XXXX ( XXXX XXXX with HSBC Bank ) sued me for an old debt that I didn't know I could dispute and requested payment of exempt funds ( Unemployment Insurance of the State of NJ ) for approximately {$1000.00}. It seems to be a fraud among HSBC, their representatives, XXXX XXXX and their people. This is not a duplicate. My problem had never been solved.
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a checking account on XX/XX/XXXX using a referral code from my friend. The offer that came with this code was to get {$250.00} bonus after depositing {$10000.00} and keeping it for 8 weeks. I have completed this requirement, but never received {$250.00} bonus. I contacted HSBC in XX/XX/XXXX and they promised that bonus would be deposited within 8 weeks. So I waited 8 more weeks, but again received no bonus. When I contacted them again they started telling me weird stories. First they told me that I don't qualify for this bonus because I had a credit card opened with HSBC. In fact I never had any credit card with HSBC. Then they told that I don't qualify because I had HSBC debit card opened as of XX/XX/XXXX, but offer required no opened account with HSBC as of XX/XX/XXXX. Yes, I had a checking account with HSBC before, but it was closed on XX/XX/XXXX, which is 5 months before XX/XX/XXXX, so I couldn't have any active debit card on XX/XX/XXXX. I had to explain that several times, but they still refuse to issue {$250.00} bonus without any reasonable explanation. As a result, I had to keep {$10000.00} on this checking account for almost a year hoping to receive the promised bonus and I lost an opportunity to earn interest in other banks.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They said I owed a bank of hbc bank I dont remember having this card and if i did is was pay for. In XX/XX/2007 ending of the card they said is XXXX and they saying they trying to take me to court to pay this off. I need help because i think this is a fraud company trying to take my money.thank you the amount is XXXX and the name of the company is XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2018-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a card from XXXX on XX/XX/XXXX that I never applied for or approved. I called on XX/XX/XXXX to cancel the card and have the hard inquiry performed on my credit removed. I have yet to receive any confirmation that the card was cancelled or that my creidt score will be restored.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened the Choice checking account ( Account # XXXX ) at HSBC bank onXX/XX/XXXX. There was an opening bonus of {$200.00}. I have met all the requirements to qualify for the bonus but the bank is not posting the bonus of {$200.00} to my account. I talked to them and they say that since I had an credit card account prior to opening the checking account I do not. qualify for the bonus. The two are entirely different products and the two are not related to each other. I printed the offer terms when I opened the account and I have created the following attachment 'HSBC Choice Checking bonus {$200.00} promotion -Old Offer '. It is a .jpg document and it shows that under the terms there is no mention of any credit card account being the reason for disqualifying the bonus. These were the terms at the time of opening the checking account. it does say that the offer is for opening a new checking account which it was since I never had any checking account with HSBC before. I have created another attachment 'which is the current offer 'HSBC Choice Checking bonus {$200.00} promotion -New Offer '. This document is a text document and ithe terms are very similar to the similar to the other document ( the Old Offer ) showing that there are currently offering the same promotion and again in the new offer there is no mention of the credit card account being the problem. The following attachments are the bank statements form XX/XX/XXXX through XX/XX/XXXX showing that I have maintained a minimum balance of {$1500.00} all this time. This was their main requirement for the qualification of the {$200.00} bonus HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement All these documents show that I have met and satisfied all the requirements for the {$200.00} bonus offer according to the bank terms in the offer. The {$200.00} bonus should be posted to my account as soon as possible. If the bank still claims that I do not qualify then their offer was very misleading. Please let me know if any additional documents are needed in support of my compliant.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: HSBC Bank sent us credit cards that we did not request. I called them and they said they would cancel the cards. They could not tell me who applied using our name or why they sent us cards. About two weeks later we received a welcome packet in the mail asking us to activate the cards. I called HSBC Bank again, the cards had not been cancelled. Once again, th ey have promised to cancel the cards. This time I requested an email confirming action on there part. I will call them back if I don't receive the requested email promptly.
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was closing on a property on XX/XX/2018. On XX/XX/XXXX I requested a wire be sent from my account at HSBC. On XX/XX/XXXX, my account was charged. The money was never received by the escrow agent. I had to take an emergency overnight margin loan to cover the {$170000.00} that was transferred out of my account. I've been in contact with the HSBC Premier Representative and Branch Manager who have been very uncooperative. Its been 9 days and I am still missing the funds. I almost lost the purchase of the house, which I would have, had I not been able to obtain emergency funds from other sources.
Company Response:
State: CT
Zip: 06824
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I received a text message @ XXXX ( Free hSBC Fraud Msg : Did you charge XXXX {$1.00} SQ? Reply YES or NO. HELP for help or call XXXX. STOP top all card fraud alerts. I did not respond to it due to receiving hacked messages stating the message was from XXXX. I received the same text at XXXX, and that is when i decided to contact the bank. I called XXXX and asked to be connected to the Frauds dept. They cancelled my XXXX credit card, and instructed to call XXXX ( which was the wrong phone # for the credit card frauds dept. I also inquired the dates, times, amounts and location XXXX XXXX ) that the card was used. I was informed that the charges started on XX/XX/XXXX. XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XX/XX/XXXX {$77.00} All of the above charges went through XXXX charges were dropped from the account ( i think they'd max 'd my XXXX out. XXXX XXXX {$760.00} XXXX XXXX {$160.00} ( i Did receive a text regarding this last charge via text Free HSBC Fraud Msg : Did hyou charge XXXX {$160.00} XXXX XXXX XXXX? Reply YES or NO. HELP for help or call XXXX. Or STOP to stop all card fraud alerts. I contacted all the business 's ( except XXXX XXXX, you had to go on line for that one ) that my card had be illegally used and informed them that my bank would be in contact with them, I also contacted XXXX XXXX Police Dept XXXX to inquire what i would have to do to fill criminal charges. The desk officer informed my that the bank would need to acquire a Fraud affidavit from my bank. I went to the branch office in XXXX & requested a copy of my credit card charges on XX/XX/XXXX and spoke with XXXX ( XXXX ) & XXXX XXXX XXXX XXXX, District Manager stated that they would being the paperwork. ( XXXX. I had to made serveral calls to obtain the report, and the Branch manager had to intervine in my behalf. XXXX sent XXXX charge ( XXXX XXXX ) and the manager after XXXX XXXX on the phone with the frauds dept. XXXX XXXX stated that the customer came into the branch and obtained a copy of her XXXX charges. Only after this information was disclosed to the rep, agreed to e-mail XXXX XXXX a updated Fraud claim form, and i was instructed that i would be able to take this form to the local police dept. I filled the form out and, went to XXXX XXXX Police dept. only to be informed that the enclosed form wasn't the correct form. I also received ( see copy of a promotional APR offer dated XX/XX/XXXX 3 days after cancelling the credit card account ( with enclosed blank checks ) in the name of XXXX XXXX ( which is not my legal name ) I brought this to the attention of the Branch Manager, and XXXX @ the frauds dept ( via 3 way call. Both employee 's informed me that i would not be entitled to that offer on my new XXXX #, however, i would be able to use the blank checks ( on the closed account, and to sign the checks as XXXX XXXX. I also want to include that i had opened up a saving account in XX/XX/XXXX, and was given a passport saving booklet, however the account belonged to another customer ( but in my name, XXXX XXXX XXXX ), and after calling XXXX to obtain the interest earned, i was informed that that account # belonged to someone else. I returned the booklet, and was given another account ( i was a little leary because the account # re-issued to me had my whole date of birth XXXX # XXXX XXXX. And lastly, in XX/XX/XXXX I was informed that all of my personal information regarding my Home Equity loan had ( by error ) been sent to the cyber world. I have also contacted my Life Insurance company, and my union ( XXXX XXXX ) to have alerts put on my accounts ( so no money can be assessed, and i will be contacting all of my store credit cards to put an alert on them. I will be going to XXXX XXXX Police Dept on XX/XX/XXXX to file criminal complaint. Enclosures : 2 copies of HSBC Fraud Claim Form ( s ) 1 copy of Promotional APR + the 3 blank checks copy of Chargeback information ( XXXX 6 pages, which includes thief 's cell phone # - this is a pre-paid account, and was opened on XX/XX/XXXX @ XXXX )
Company Response:
State: NY
Zip: 10552
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX current creditor XXXX XXXX XXXX oringal creditor XXXX XXXX XXXX XXXX oringinal account # XXXX XXXX ref XXXX XXXX phone number XXXX ext XXXX i do not know what this is it has been on my credit report for a least 10 yrs or more i am XXXX and do not know what to do thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2018-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A