Date Received: 2018-03-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: HSBC Claims that they haven't taken care of my issues and send me a letter that i'm no responsible for my frad case but as of yesterday i gotten an email stating that it's not over, i dont know what is the issues with this company i have to feel stress and lose more of my time so now i'm here again and want the world to see how horrible this company really is and i don't think people should bank with this company at all!!!
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2018-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This complaint to CFPB is about wrong doing in customers service of XXXX XXXX. My son XXXX XXXX and his wife XXXX XXXX are XXXX XXXX customers for many years. For same period of time I have XXXX in their account. Special complaint about bad customers service in XXXX XXXX was mailed to HSBC XXXX XXXX in XXXX in XX/XX/XXXX. As it became known the letter was remailed for response to XXXX XXXX. So far XXXX XXXX response is absent. The facts of XXXX XXXX wrong doing violating customers financial rights are following : 1. From XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is not clear who are main managers in this bank. 2. It was requested three months of phone, chat, emails communications to get new debit card in exchange of one which was announced by bank as invalid. Such outrageous procedure is a good illustration to bank fraudulent and humiliate policy. The person XXXX who is named as XXXX XXXX President and CEO didnt response on my letter about debit card problem. 3. Look at XXXX XXXX XXXX XXXX ) On this website there are only phone contacts when bank agents are factually irresponsible for the information given by them and try to record only what is said by customer. There are no any written forms of contact fax or email which can make bank agent be responsible for all information given to customer. Only way of contact is postal mail to XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX, NY XXXX. The headquarter address XXXX XXXX XXXX, NY, NY XXXX is not published. b ) Bank agent in chat has very limited rights to really help to customers. Copies of chats were applied to letter to XXXX. c ) Phone of headquarter XXXX is fraud. Real phone XXXX is XXXX. But by this phone it is impossible to reach anybody. You can check yourself. d ) Customer Feedback is fraud and really cant be provided. You can check yourself that there is no any opportunity to send feedback. 4. Only opportunity to contact with bank agent by email is to open account ( so any other person who is interesting to become bank customer has no any opportunity to contact the bank in written form without ugly mailing ). They name it Bankmail. But to get such opportunity it should look at account website on really invisible micro envelope picture and click on it. After clicking you will see View all messages. That is fraud. Customer can see texts of messages sent by HSBC agents. The messages you printed and sent to bank it is impossible to see. That is another fact of irresponsible XXXX XXXX service policy. Only for XX/XX/XXXX I received from bank agent 7 messages as responses on my 7 emailed requests and questions about renew of debit card. That is example of last bank response on XX/XX/XXXX : XXXX : Possible Account Error ( XXXX } Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX, XXXX. We are sorry to hear that you have received service that has been less than satisfactory. Your comments was previously forwarded to our Management Team for further review and future enhancements to the level of customer service we provide. With regard to your replacement Debit MasterCard, we notice that some information has to be verified. As such, you may contact our XXXX XXXX Department XXXX between Monday - Friday XXXX XXXX - XXXX XXXX XXXX. The option to view the BankMail which are sent by you is unavailable. You may only view the BankMail response which you have received. We apologize for the inconvenience and delay caused by this matter. Thank you, HSBC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. All Rights Reserved. There is no any reaction from Management Team which is factually not exist. XXXX As an example of service with respect to legal rights of bank customer as me is XXXX XXXX. Look at https : XXXX. Text of this website is applied to letter to XXXX. In conclusion to letter to XXXX it was stated : Conclusion : Considering XXXX XXXX actions with such customer as me and my son shown above as actions of gang of scams, I request : 1. To replace current main managers of XXXX XXXX on more responsible persons who know what kind of respectful service should be provided to XXXX XXXX customers with great amount of attention to service experience provided by XXXX XXXX about feedback, complaints, email addresses and fax XXXX for written contacts with real and potential customers. 2. Immediately to order to XXXX XXXX to deliver to me by my address in XXXX, NY, mentioned above, not by mail but by bank messenger, new debit card and manual of XXXX XXXX policy which should be exampled from XXXX XXXX manual. ( The card was finally delivered to my son after great efforts described above ). 3. Immediately to order to XXXX XXXX to provide in contact with customer through account website ( Bankmail ) the texts of messages sent to bank by customer.
Company Response:
State: NY
Zip: 112XX
Submitted Via: Web
Date Sent: 2018-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX trying to collect a debt not owed by me but they have put a negative identity on my credit reports on XX/XX/2018 this debt was paid a long time ago
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2018-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discharge of Third Deed of Trust with XXXX XXXX XXXX. In violation of California Code, Civil Code - CIV 2941 ( c ) and ( d ). ( c ) For the purposes of this section, the phrases cause to be recorded and cause it to be recorded include, but are not limited to, sending by certified mail with the United States Postal Service or by an independent courier service using its tracking service that provides documentation of receipt and delivery, including the signature of the recipient, the full reconveyance or certificate of discharge in a recordable form, together with payment for all required fees, in an envelope addressed to the county recorder 's office of the county in which the deed of trust or mortgage is recorded. Within two business days from the day of receipt, if received in recordable form together with all required fees, the county recorder shall stamp and record the full reconveyance or certificate of discharge. Compliance with this subdivision shall entitle the trustee to the benefit of the presumption found in Section 641 of the Evidence Code. ( d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person the sum of XXXX XXXX dollars ( {$500.00} ).
Company Response:
State: CA
Zip: 90022
Submitted Via: Web
Date Sent: 2018-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/2017 we received a Notice of Servicing Transfer for account # XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, with an effective date of XX/XX/2017. Per the law our present servicer ( Beneficial ) is required to send a notice at least 15 days before the effective date of transfer or closing. Given the time it takes to send and receive mail, we did not receive this notification until XX/XX/2017. Therefore, Beneficial failed to meet the time requirement of 15 days per the law. Therefore, the notice of servicing transfer for account # XXXX should be null and void and Beneficial should be fined the appropriate fine as per the law.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-14
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 would like to file the complaint as the way XXXX XXXX has worked on the dispute. Merchant provided the proof of payment but not the proof of service but still HSBC has settled the dispute in merchant 's favor. I bought attraction ticket which were not activated and had a mishap at the ticket window when the associate at the ticket window of attraction park told me that tickets have not been activated. I approached the merchant stating the same thing and they mentioned to me that they are investigating. After waiting for many days, I filed the dispute with the credit card company HSBC and explained them the situation with letters in details explaining the scenario. But, HSBC settled the dispute in merchant 's favor based on the payment receipt which is in no way able to confirm if the valid tickets ( merchandise in this case ) were provided.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX bought my account from HSBC Bank and I reached an agreement with them and paid the account. They refuse to take the account out of collections on my credit report and it is the only collections account I have and it keeps getting me denied credit even though the account is paid. I have sent letters, called and emailed them to please just remove it from my credit report as a collections account. They can leave it as a closed account but not as an active collections account but they refuse. I want this account removed from my credit report as a collection account. How can it be a collection account with it marked paid and a {$0.00} balance. It should not be listed as a collection account just a closed account. Please help me with this.
Company Response:
State: TN
Zip: 37615
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-11
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Dear reader, I am with HSBC since XX/XX/XXXX and got my social security nr on XX/XX/XXXX. since then i was told that i would have to wait to get my credit score but I never had it. When I contacted XXXX and XXXX, they both answered that I was unknown to them. On XX/XX/XXXX i started communication with my account representative informing him that i didn't have the possibility to see my Credit Score. He told me to wait 3 months as my Social Security nr was too young and i had to give time to the system to generate enough history. Since then i have been in contact with the Branch Manager at HSBC XXXX, then with the Manager, Executive Office | XXXX Customer Relations | XXXX XXXX XXXX XXXX, with no more results ( all emails available between XX/XX/XXXX and today ). They told me that they report the history of my credits properly and the problem is at XXXX side so i had to call XXXX. I called but after many hours of discussion with different people it ended that they give me a list of information that HSBC had to provide me to be able to trace the reporting. When sending those details to HSBC they told me there were some internal nr they can't provide me with and asked me for the name of the person of XXXX that i had on line but obviously call centers never give their name. I have all emails to HSBC but not for experian those were only phone calls. I am really desperate to find a solution to this problem as obviously i am stuck without any possibility to buy a car or a house. Thank you for your help
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-10
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hi, there, I opened a new HSBC premier checking account on XX/XX/XXXX in response to a bonus offer of {$750.00} welcome deposit. The offer stated that {$750.00} will be automatically deposited to my account eight weeks after a minimum balance of {$100000.00} has been maintained for 90 days ( as attached ). Early last month I asked about the welcome bonus by web chat, and an agent asked me to call. I called and another agent promised to investigate but I received no deposit or response for another week. I contacted HSBC by web chat on XX/XX/XXXX and the third agent said he/she would issue a request to investigate. Several days later I asked again the fourth agent promised yet again to investigate and gave a response within 48 hours ( the chat transcript attached ). I received nothing after 48 hours, and contacted them the fifth time. The fifth agent said he/she would issue another request to investigate. So I don't have an answer about the welcome bonus 7 months after I opened account and five inquires. Hope that you can help me with this matter. thanks XXXX
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2018-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-08
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
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}.
Company Response:
State: PR
Zip: 00729
Submitted Via: Web
Date Sent: 2018-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A