Date Received: 2018-04-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: This is concerning my credit card I have with HSBC. On mystatement dated XX/XX/2017, a payment in the amount of {$2900.00} was due on XX/XX/2017. I made a payment for {$2800.00} on XX/XX/2017. I missed one item that was charged later and did not have a statement. Since my full payment was not received by the payment due date reflected on my billing statement, an interest charge of {$48.00} was assessed on my account. I requested a refund or reduction, because the amount charged for a simple mistake is inappropriate.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2018-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I deposited a check in my savings account which HSBC claims they send back to drawer the check was never sent back andbI want a copy of the return check company states in last complaint it was enclised which it wasnt i need proof to proceed in legal actions. Please provide me a compy of return check that was processed on my savings account.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2018-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-05
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 get a call from a private number the girl on the line says that she is trying to serve me papers and needs to know when I will be available. I tell her im not and ask what it is for. She tells me she does not know provides me thw phone number XXXX and gives me case # XXXX. I call the number and anothet lady answers the phone and says she an answering service. She asks for my case # and the calls my by my first name and xfrs me ( if your an answering service how do you have my name ). A guy named XXXX answers the ph and takes the case number and asks how he can help. I advise I want to know why they are trying to serve me. I advise him that ive been scammed before and the previous girl gave me no details he said servers dont have that information he confirmed my name had me confirm my dob year he then gave me my month and day of dob and then my current address he said my file was down the hall with the attys placed me on hold while he got the file. Comes back on the phone and tells me that they are pursuing me for an old auto loan with HSBC for a XXXX XXXX that I had on XX/XX/XXXX that had a left over balance of {$7000.00} and that it is now up to {$17000.00} and they are going to file a 10yr judgement against me. My red flags are all over so I begin to ask him about thr collection practices as this debt was charged off with HSBC as they sold the car at .. He said you still owe the debt and charged off doesnt mean anything. This is not true as I work in a XXXX and I know the collection laws. I then ask him why have I never gotten notice he says that the address the company sent it to which i have not lived in over 6yrs ... He also states he mailed me a letter to my current address in XX/XX/XXXX of course I never got it. I ask him who he works for he states XXXX XXXX XXXX XXXX office is in Kansas but they are all over. I advise that i will be having an atty look into this and he states to have the atty call him at the same number I did ext XXXX. I went and did a search of the company and there is no such company .. I also did a search of the XXXX # and it comes back to scams ... So i call him back and ask why I cant locate the company he says that they dont publicly advertise and that the letter that i never got has the info. I ask who the atty is on the case he said one has not been assigned until i am served and they have not filed yet. I asked who thw debt buyer was he stated XXXX XXXX .. And then tells me technically he no longer can talk to me since I have an atty and will place a cease and desist on my number and that my atty can contact him. I go back and search the debt buyer who I have never heard of and it too has scam red alerts all over it. I have reached out to a law firm to cover my basis but I am also filing here as the FTC and AG both advise to file.
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2018-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have been receiving calls from XXXX XXXX XXXX, XXXX within the past couple of months everyday, at least twice a day regarding an account that I had with XXXX XXXX ( I believe this is the creditor ) in XX/XX/XXXX or XX/XX/XXXX. I believe the original amount was about {$2400.00}. The business has been closed for several years and I received calls from the law office a couple of years ago and started making payments. When I requested a copy of my original loan documents and totals of payments made directly to the law office, I believe XX/XX/XXXX or XX/XX/XXXX, I never received documentations. Around XX/XX/XXXX, I spoke to a representative and explained that I did not owe any monies to XXXX XXXX and requested that they stop calling me. Since that time, I have continued to receive numerous calls daily. No voicemail messages are being left but the calls continue to come in. I received a letter on XX/XX/XXXX, dated XX/XX/XXXX, from the law office stated that the letter was in regards to : XXXX XXXX XXXX, XXXX vs XXXX XXXX XXXX, Index Number : XXXX. I am guessing this is for the old account and have no idea who XXXX XXXX is. It states that I owe {$9900.00} with daily interest rate of {$1.00} which is insane to me. I want them to stop harassing me for monies that I do not owe to them. Again, XXXX XXXX do not even exist so I am not sure why after all these years, the law office has starting calling me again.
Company Response:
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2018-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an HSBC account on XX/XX/2017 when there's a promotional bonus offer of {$350.00} dollars if open a new account and maintained the balance of {$10000.00} in my new advance checking account for 3 months. I have also chatted with several agent multiple times to confirm my eligibility for the account bonus and also that I have met all the requirements to qualify for the bonus. However, the bank told me that their Campaigns and Promotions Team has determined the HSBC Checking account is ineligible for the promotional bonus due to the previous open account within one year of the campaign start date. I don't remember seeing anywhere saying this when I opened my account please I also chatted with agent multiple times to confirm I was eligible for the bonus and the agent confirmed I was. Now the bank doesn't want to honor the bonus and telling me I am not qualified. Why do all the agents confirm i met all the requirement and don't double check and tell me I can not qualify when I opened my account. They keep delaying me and locking up in money in their bank and not telling me right away. They locked up my money there for over 5 months making me thinking I will soon receive the bonus as confirmed by each agent i talk to but in the end still won't give me the bonus I deserve. I don't think this is fair for the customer who followed all the rules and requirements and in the end got trick by the bank to keep the money in there for a long time. If the bank don't want to honor the bonus, they should train their agent to tell customer the truth right away and not trick them into opening an account because of that bonus and maintaining the money I could have put into other higher interest earning banks. Thanks.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2018-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a phone call from a company called XXXX XXXX XXXX, phone number XXXX-XXXX-XXXX. A guy said he was calling about a debt from HSBC about an account that had been charged off in 2016, they had tried to contact me but I did not respond and in 48 hours he would start legal action against me. I told him I never had an account and asked for the account number he said it would be on the written complaint, which I would receive. He said I could settle the debt for a smaller amount but would not give me the account number. I called the company and they did not an account in my name and then I checked my credit report and called XXXX and I have never had an account with them. I am very concerned because they have all my information and I want to put an end to this scam.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2018-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: HSBC BANK HAS HIRED DIFFERENT DEBT COLLECTORS TO COLLECT ON A DEBT THAT WAS DISCHARGED IN BANKRUPTCY IN XX/XX/XXXX. I HAVE BEEN THREATENED AND TOLD I AM A PIECE OF XXXX. THE LATEST ONE STARTED ON XX/XX/XXXX FROM XXXX XXXX. I ADVISED THEM THAT THIS WAS DISCHARGED IN BANKRUPTCY AND THEY DIDNT CARE. THEY CALLED ME ALL SORTS OF NAMES AND THREATENED TO SUE ME.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2018-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-25
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: HSBC Bank sent UNSOLICITED " Prescreened-approved Master Card credit card that advertised 0 % APR forRef. : Master Card acct # XX/XX/XXXX On XX/XX/XXXXmy referenced account was charged with {$18.00}. I called their Customer Service and to my surprise and dismay I was informed that it is interest on my balance of my card. I opened this account only because they UNSOLICITED, mailed me an offer with 0 % APR. Nowhere in that offer it was mentioned the interest rate for purchases but ONLY that 0 % APR on Balance Transfers only misleading me to believe that 0 % applies on purchases as well. This is a masterful technique to mislead the consumer to believe so by omitting the proper information and it is misleading, immoral and borderline fraudulent. After receiving my Credit Card, I again called Customer Service to verify that 0 % APR as well as its expiration date, in order to proactively protect my self from any deceitful, well by now aware of such practices through my past experience with financial institutions, and I was again notified of the 0 % APR, again with no disclosure or distinction to purchases. As a result, on XX/XX/XXXX I electronically paid the amount of {$2800.00} effective due day. This amount paid off and in full my credit card account/balance re reference with the exception of the {$18.00} of the improper, deceitful, and fraudulent Interest Charge. This practice is not only immoral but illegal and I reserve the right to report this practice to the proper authorities and/or regulatory agency/ies. I sent to the Bank a registered letter disputing the charges due to deception. They have now sent me a bill with balance of {$37.00} including outrageous penalties and denying that they ever received my letter mailed to them registered Tracking # XXXX on XX/XX/XXXX. This Bank is practicing deceptive, illegal and immoral promotional practices to lure consumers in and charge outrageous fees.
Company Response:
State: TX
Zip: 77380
Submitted Via: Web
Date Sent: 2018-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: HSBC credit card trying to pay over 1 month and they dont accept my payments the charge me twice late payments and more charges and interest without me using the credit card
Company Response:
State: NJ
Zip: 07107
Submitted Via: Web
Date Sent: 2018-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-24
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened a promotional account as a brand new customer at XXXX XXXX on XX/XX/2017. I deposited XXXX and was supposedly to get XXXX in 3 months now its been 4 months. I called up HSBC and the guy said they will review my case for another 3 months and then deposit the money if Im eligible but on their promotion they said 3 months not 6!
Company Response:
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2018-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A