Date Received: 2023-03-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Yesterday, XX/XX/XXXX, my husband was contacted by someone asking for me by my former married name. I called the number back at XXXX. I spoke with XXXX XXXX who talked very fast and told me that they are prepared to file suit against me in my home county of XXXX on XX/XX/XXXX. I live in XXXX, now. XXXX XXXX gave me file # XXXX. He proceeded to tell me that they are going to get a judgement against me to garnish my wages from the State of XXXX and place liens on my assets. I was shocked and explained that I do not have any idea what he is talking about. He said that they had mailed something to me back in XX/XX/XXXX. I explained that if they sent this in my former married name, it was probably thrown away because I only get junk mail in that name these days. I asked XXXX XXXX to slow down many times so I could take notes. He stated that I agreed to arbitration when I signed up for the card and with that, it allows HSBC Household/XXXX XXXX to pursue this debt for up to 15 years and that it went to collections in XXXX. I again, stated that I have no idea what he was talking about and that I haven't had any defaulted credit cards since I left my ex husband in XXXX or XXXX and that he was supposed to have been paying the credit card bills. XXXX XXXX stated that that is about 90 % of what he hears. XXXX XXXX stated that they have not yet filed a complaint, but are prepared to do so on XX/XX/XXXX. He stated that the debt owed is {$2200.00} but if I make a XXXX time settlement, they would knock {$1000.00} off so I would only pay {$1200.00}, but if they take it to court, it will cost me over {$5000.00}. He also offered me a payment plan of $ XXXX, but that I would be paying the full amount, if I chose that option. I asked XXXX XXXX what company he's with and he stated that he is with XXXX XXXX in XXXX and they are mitigating this debt on behalf of XXXX XXXX in XXXX XXXX, XXXX. I explained that I needed time to talk to my husband and someone else about this and he stated that he would need to get permission from an " administrator '', ( I believe ), to put this on hold. He placed me on hold and came back and told me that he would need to hear back from me by the end of the day. I explained that I and my husband both work and I need more time than that. He stated he would give me until Friday or Monday and he would email me a " Validation of Debt ''. He gave me an outdated email that I haven't used in over 10 years. I gave him an updated email address and he sent me a form that I was supposed to initial and send back via XXXX. XXXX XXXX then gave me call back phone # XXXX ext. XXXX. The first document I was sent, asked me to respond by XX/XX/XXXX. I called XXXX XXXX back at the phone number on the document, XXXX XXXX, ( a XXXX XXXX, CA area code ), and stated that I needed that date corrected and XXXX XXXX stated that he would get that changed to XX/XX/XXXX as it is now on hold. I received that corrected document and will attach it if able. I've reviewed this document and can not sign something that I do not know anything about. IF I owe this debt, the last payment on this would have been around XXXX and it doesn't make sense that they would wait until XXXX to put it on my credit. I've done research and obtained advice from an attorney who recommended that I file this complaint, that the debt is time-barred by the statute of limitations, and that it is illegal for them to threaten to sue, garnish, and place liens or to actually take these actions. I have tried to obtain addresses for XXXX XXXX, XXXX XXXX, and XXXX XXXX, but was unable to find them in XXXX, XXXX, nor XXXX. I do not have any kind of address for these people and am beginning to wonder if this might be a scam altogether, which is worrisome as they have my personal information such as SSN and DOB.
Company Response:
State: KS
Zip: 670XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Well HSBC bank hold my wire transfer I send from my business account end not give back
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am very concerned because this company XXXX is sending me a bill that I do not recognize for the amount of {$500.00} with an account number # XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. Their telephone number is ( XXXX ) XXXX. I think someone stole my information.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX, collection agency telling me that I had an outstanding debt due to breach of contract with HSBC bank for approx approximately {$1800.00}. In XXXX I started down a path of receiving a loan from HSBC bank and got pretty far along until I realized they were trying to sign me up for a business loan. When I realized this I let them know I did not own a business so I shouldnt qualify. They quoted me a much higher interest rate for a personal loan and then nudged me to continue with the business loan since if I freed up some debt with the business loan I could potentially start a business making the loan legal. I told them I was not interested in that and discontinued pursuing the loan with them not was I interested in their offer for a personal loan. I never received any loan from them and our communications ceased at that point. They would periodically send advertisements to me for other loans mostly through the mail but other than that I never heard from them again. Then yesterday XX/XX/XXXX I heard from this credit collection agency. They stated there had been numerous attempts to contact me which as far as I know there were not. I felt it could be a scam so I immediately checked my credit reports. First of there was no indication of collection from either XXXX or HSBC nor was the loan I had started to peruse in XXXX on my credit report. Then I noticed on my experien credit report a hard inquiry for that very day XX/XX/XXXX from a consulting company called XXXX XXXX Partners. This was an unauthorized credit check. I immediately put fraud alerts on my credit reports and disputed the hard credit check. This complaint is against all parties mentioned HSBC bank for trying to give me a business loan well knowing I did not own a business then possibly selling my information to a collections agency without ever contacting me. XXXX collections for intimidating me and making me think there was a lawsuit pending in courts and pursuing collection of debt I believe to be false. And XXXXXXXX XXXX partners for running an unauthorized hard credit inquiry.
Company Response:
State: WA
Zip: 98335
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened an account with HSBC on XXXX XXXX I moved all my payments to go into that account I had a payment that was due to go into the account on XX/XX/XXXX for XXXX and XXXX both payments have not gone into the account as the imitations team have put a hold or block on the account I have been to the branch 3 times and provided XXXX XXXX statement and proof of adress they have on there system currently I have phoned on multiple occasions also as I need the money to pay rent ( now overdue and bills also over due ) and for food my partner is XXXX and so is my daughter who are both vulnerable the bank have encashed the payment and told me to wait 3-4 weeks for the check and then the money would be credited to the account how ever I asked for the payment to be bounced back to sender so I can be paid a different way which they refused and want to hold onto the money for 3-4 weeks which is illegal. I had a 20 payment from a family member sent to the account but that bounced back as no money can be credited or debited to the account at this current time due to the hold how ever they did not return the money in question and think they can hold onto it leaving me without any food for me and my young family and no money to live or pay bills and rent they dont care and people in branch also didnt seem to care either.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Other service problem
Subissue:
Consumer Complaint: This is an append to my previous complaint : XXXX - I am not satisfied with their poor answer and unprofessionalism to avoid all the problems that i have already raised around the issue. The HSBC financial institution didnt respond to all my concerns and the horrible customer service i have met along this journey. Here are a summary of why i am submitting new complaint : 1. The poor service of their customer services on phone and through the online chat 2. The ticket that i opened to get guidance on my issue, and no one did provide the feedback 3. The call of the manager that i did not receive as confirmed with the agent on call 4. During the process of investigation, i sent more than one email to someone called XXXX. She was sending template emails without answering my concerns. I need to escalate his unprofessional behaviour of using template avoiding to take time to reply in a customized response to my concerns. 5. The wire transfer didnt work before and they are not even aware of this issue in their response. They confirmed the contrarily 6. The time, efforts and money that i lost because of the above poor performance client service Please i need to re-escalate this complain to re-investigate again these pending issues
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX XXXX sent me a letter 3 months ago saying I owed {$6000.00} on debt that I made payments from XXXX to XXXX and that I still owe {$6000.00} and that if I can pay them {$2900.00} immediately that would take care of it I threw and I thru the letter away. They called last week demanding I pay this money immediately or they're going to take my house and car they also name dropped XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in trying to shame me into paying. They ( XXXX XXXX XXXX said it was a credit card through HSBC XXXX and when I called HSBC they informed me that they have no record of anything. It's been too long and it's been dropped. These people are scammers and won't leave me alone please help they took pictures of my house with me and my car I caught them one day they know what kind of car I drive and they threaten to take it from me it's a XXXX XXXX and they mention that specifically so anything you can do would be a great help thank you so much please get in touch.
Company Response:
State: IN
Zip: 46241
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. The HSBC BANK USA XXXX account reporting on my credit report as Closed is incorrect, inaccurate, and false. Additionally, the impact of the Closed account as a Charge-off and Balance is reporting wrong credit utilization. The HSBC BANK USA XXXX account reporting on my credit report as Charge-off is further incorrect, inaccurate, and false. XXXX responded " Trade : HSBC BANK USA XXXX THIS ACCOUNT IS CURRENTLY REPORTING AS CLOSED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY. '' I did not sign any such credit contract agreement with HSBC BANK USA XXXX containing my full social security number and accurate signature where I granted permissible purpose for a credit application and to Open an account with HSBC Bank USA XXXX that would be enforceable to Verify, Close, or Charge-off an account with a Balance in my name to be reported on my personal credit report. HSBC BANK USA XXXX has no right nor authority to transfer or sell this account to XXXX XXXX XXXX, to enforce payment from me, or to collect on a debt owed to HSBC BANK USA XXXX. XXXX XXXX XXXX fails to validate how debt is owed by me to HSBC BANK USA XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. XXXX XXXX XXXX has no right to collect any debt for this account from HSBC BANK USA XXXX that was transferred or sold.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was given fraudulent wire instructions for the closing costs on a new home purchase. I submitted the wire transfer request with the bank who did not call me to authorise a $ XXXX wire transfer request. It was sent without them contacting me to verify the details on such a large transaction.
Company Response:
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX HSBC Mortgage Account # XXXX Company involved-HSBC, XXXX, and XXXX To CFPB : XXXX XXXX XXXX received funds from XXXX XXXX XXXXor my mortgage. The amounts were XXXX, XXXX, and XXXX. I XXXX XXXX contacted HSBC XX/XX/XXXX to confirm that they received the letter and the funds. HSBC Loss Mitigation informed me XXXX XXXX stated they received the funds. The HSBC Loss Mitigation Rep. informed me that they received the funds and it takes time for them to apply it to the mortgage account. The HSBC Loss Mitigation Rep stated that the HSBC State Fund Team handles applying the Funds to the account. The HSBC Loss Mitigation Rep. informed me that she has sent a number of emails to the HSBC State Fund Team concerning why they have not applied the funds to the mortgage account. The HSBC Loss Mitigation Rep. informed me she sent emails to the HSBC State Fund Team on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The HSBC State Fund Team did not respond. XXXX XXXX XXXX informed the HSBC Loss Mitigation Rep that HSBC told them that the past due amount was XXXX. The State agency on XX/XX/XXXX paid the amount of XXXX and XXXX XXXX and XXXX XXXX. HSBC State Fund Team received all three payments and did not apply the payments to the account to pay my mortgage. I XXXX XXXX contacted my worker and informed her that the HSBC Loss Mitigation Rep informed me that it would take some time for HSBC State Fund team to apply the funds to the account. The HSBC Loss Mitigation Rep stated that you know how HSBC State Fund Team works their slow. The HSBC Loss Mitigation Rep informed me that they have not responded to her emails. The HSBC Loss Mitigation Rep stated that it is a internal problem getting in contact with HSBC State Fund Team. XXXX XXXX XXXX asked if you received the funds XX/XX/XXXX and your HSBC State Fund is holding the funds and it is growing interest for your company HSBC. XXXX XXXX XXXX informed the HSBC Loss Mitigation Rep that I contacted my worker from the state of CT and I have a letter stating the funds amount and requesting that you apply it towards my mortgage account. The HSBC Loss Mitigation Rep. instructed me to email it to the Research Dept. XXXX and informed the Research Dept send the letter from the State of CT to the HSBC State Fund Team. The HSBC Loss Mitigation Rep. stated this should resolve the issue. The issue and problems still exist with HSBC Loss Mitigation and HSBC State Fund team. HSBC Loss Mitigation and HSBC State Team have not resolve their communication problems internally and did not apply the funds to my account for my mortgage. HSBC is also threatening foreclosure against my house. HSBC received the funds XX/XX/XXXX from the state of connecticut for the amounts of XXXX, XXXX, and XXXX and have not applied it to my mortgage. The HSBC Loss Mitigation Rep. informed me the funds are unapplied and in suspense. HSBC Rep are supposed to be certified and knowledgeable and not give inaccurate information. HSBC Rep. do both. HSBC Rep. are not knowledgeable and give inaccurate information to their customers. This company is also XXXX, XXXX, and HSBC it has reported inaccurate credit reporting, credit reporting errors, Inaccurate payment history, causing people to not qualify for loans, payments not accepted, causing customers not to be able to finance, lose customers payments, and harassing customers on phone call trying to get customers to feel frustrated. I XXXX XXXX have provided you with both letters from the state and I could also provide you with records. HSBC has done all of the above to me and other minorities and we have submitted our complaint to your agency. HSBC is affecting our credit and we are forced to extend our loan for more than 30 years. Due to a number of errors HSBC has caused. Please get in contact with me as soon as possible. This is a huge problem that needs to be broadcast around the country. Thank you!
Company Response:
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A