Date Received: 2018-02-03
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: XXXX XXXX purchased a credit card debt from XXXX XXXX XXXX, assignee of XXXX XXXX and hired XXXX XXXX to represent them in the Court of law in order to collect on the debt. On XX/XX/XXXX, a lady named XXXX who claimed to be with law enforcement agency and wearing a " badge '' and shorts, t-shirt, flip flops, came to my place of employment with her XXXX small children. She was asked to leave by human resources and to contact me at home. She left and then immediately called my place of employment again, being harassing. She left her number and I called her to try and set up an appointment and all She stated was someone would be out next week to my home address, which I verified with her, as I believe she was trying to give me Court papers. Instead, On XX/XX/XXXX, she showed up again at my place of employment. I asked her to please wait outside as I was getting ready to leave work and I would meet with her. I came out and she was still inside. I told her I needed to use the restroom. She said " really '' I said yes. Then when we got outside she continued to stand by the employee entrance area. I said this is embarrassing and why didn't anyone come to my residence. She accused me of avoiding her and threatening to fine me. They took me to court and Sued me and unfortunately the judge sided with them which I disagree with. Not only violating the FDCPA, the company failed to provide evidence that I owe the debt and that they have a claim in the debt. I asserted lack of standing not to mention being threatened, harassed and humiliated at my workplace.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account with HSBC, responding to an offer to get a {$350.00} bonus. More information about the bonus can be found here : XXXX XXXX XXXX I apologize that this link is to a third party, but I no longer have access to the promotion on the HSBC website . The terms described on this website matched those that I saw on the HSBC site. As you can see, the bonus required me to make 2 bill payments in each of 3 months in the first 120 days after account opening. HSBC dragged their feet about opening the account, but I received a Welcome to HSBC email on XX/XX/XXXX and I promptly established online access to the account. I made two bill payments in XX/XX/XXXX, four in XX/XX/XXXX, four in XX/XX/XXXX, and four in XX/XX/XXXX. I tried to space them to ensure that two would be before the statement close date each month and two would be after. The {$350.00} bonus never posted. On two separate occasions, I asked via online chat about the bonus. In each case, I was promised a review and a decision by mail and email. I never received any decision form HSBC. The bank has been non-responsive, and I no further interest in banking with them, but I'm afraid to close the account out of fear that it would then be impossible to get the bonus.
Company Response:
State: NC
Zip: 27403
Submitted Via: Web
Date Sent: 2018-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I received two threatening telephone calls today from XXXX ( " XXXX XXXX XXXX XXXX '' out of Michigan ) regarding a credit card bill, which was charged off over 7 years ago. They acquired ( purchased the file ) onXX/XX/2018. They said they were going to serve me papers between the hours of XXXX and XXXX regarding a lawsuit filed against me. When I contacted them with questions, I was hung up on several times, told to " pay your bills '' and " XXXX '' twice. I was also called a " XXXX XXXX ''. When I told them not to call me at work, they said they had no choice but to serve me. When I asked what my address was they began giving me several, all of which they obtained by doing a XXXX search. The representative confirmed this and told me that if " you are going to mention the company, get the name right '' ( I said XXXX because of nerves ). She then hung up on me. Representatives from Law Firms that specialize in collections leave false information and threats ( I've had this happen previously many years ago when I lost my job ) and contact any person with the same last name, always leaving the same messages for family members regarding the person they are trying to collect from. Their behavior is unethical, unprofessional, and completely disrespectful. Additionally, they threaten and give unlawful information. This company, in particular, needs to be fined and shut down. Their communication practices are unacceptable and unlawful.
Company Response:
State: IL
Zip: 61701
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX has taken old debt that was discharged in bankruptcy and added onto my credit. I spoke to different representatives and they stated the this account was purchased in 2016. However, any accounts with HSBC were filed under bankruptcy. Also, XXXX XXXX purchased accounts from HSBC and while account was on my Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX HSBC BANK NEVADA XXXX. XX/XX/2016 {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX credit as XXXX XXXX, XXXX XXXX as reinstated the debt to read HSBC.
Company Response:
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have just been reading about the HSBC Advance Checking Maintenance Fees ( that have been deemed illegal in some countries ) and checked my own checking account to discover they have been charging me $ XXXXmonth for years. I never use this account ( other than for transferring money between US and XXXX HSBC accounts ) and they have charged me an incredible amount of money. The search function on their website only goes back as far as 2016. But I think these charges go much further back. This account was mis-sold to me. I had no idea I would be charged a fee for going below a certain amount. If may have been buried in the Terms and Conditions but I was not properly made aware of that. I have other Checking Accounts with XXXX XXXX and XXXX, which do not charge me a fee. I feel very XXXX for not checking my statements but I have also not been told before/during the opening of this account that I would need to pay a fee ( for literally no service ). These " packaged accounts '' have been deemed unethical in many other countries : XXXX XXXX XXXX I am happy to adhere to the policies of the account in the future ( now that I have been informed of them ) but this taking thousands of dollars from my account is not acceptable.
Company Response:
State: CA
Zip: 94123
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-30
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: In XXXX I lost my job and couldn't pay on an unsecured installment loan from HSBC. I had been making payments up until the point I lost my job so the balance owed was only {$2900.00}. It went into Collections where XXXX XXXX XXXX ( XXXX XXXX XXXX ) took over for recovery. They then put a judgment on me. I had signed a confession of judgment which I would it was my bill and made arrangements with them to take {$50.00} a month out of my check. This went on for 5 years from XXXX XXXX. I had paid them {$2700.00} over that time and they stopped taking money out of my bank account so I thought the bill was satisfied. It was only until this month XXXX when I tried to refinance my home that I found out they had put a {$4000.00} lien on my property. I called XXXX and tried to find out why. They had advised me that I defaulted in my payment arrangement by not recertifying with them to take money out of my account which I have never done for the 5 yrs they were doing it. They said I was sued ( with no notification or summons for me to appear in court ) and pre-judgment, post judgment plus other fees were added totally now {$4600.00}. I was very upset since I cooperated fully with repayment and was doing my part to clear up this debt. I am also very upset that paying in good faith they could not settle the balance owed as paid in full as a lot of creditors do since the left balance was only {$280.00}. I tried to explain that I DID NOT default in my payment arrangements but THEY DID by stopping my payments. They were uncooperative as to helping me rectify this as I pleaded since the balance was only {$280.00} I would pay and they could take lien off and they told me they could not do that because now the creditor wants all their money. I am very upset and would so like to clear this matter up. I do not have {$4600.00} and feel THEY defaulted me and THEY SHOULD clear this up for me. Please help.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2018-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-30
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: this is a continuation of complaint # XXXX now today I get a phone call on my cell phone from a man who says he represents XXXX XXXX XXXX XXXX who now have this account from XXXX XXXX. Stating again they are representing HSBC. this man openly admitted the account is 9 years old and when I asked him what Statue of Limittations were in California couldn't give me an answer. he wanted me to accept a XXXX for the debt in which I refused and hung up. I would like action taken against this company and XXXX XXXX. for selling my personal information. I constantly have to worry about Identity theft due to HSBC 's lack of following good collection practice.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my checking accout with a promotion coupon ( To summary : can get {$350.00} if {$10000.00} deposit and maintain 90days ) on XX/XX/2017 but havent received the bonus after timeline passed. I contacted HSBC and they said I have to contact the branch where I opened at. I contacted the branch. They said I have a history of opening/closing a checking account before so I am not eligible to get the bonus. However, the banker checked the history and proceeded when I opened my account. The banker ( I can give the banker information if you need it. I didnt enclose due to personal information ) confirmed that HSBC has no record of my previous checking account history in their system after researching it. If the banker would informed that I was not eligible for the bonus when I tried to open a checking account, I wouldnt open and wouldnt maintain my money there over 6 months so far.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2018-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted XXXX XXXX XXXXXXXX several times, in person, over the phone and through email for almost year starting XX/XX/XXXX. This company refused to fix the error made on my credit report. Despite this company admitting their errors ( please see attached documents ), the refused to remove the item from my credit report. They have damaged and still is damaging my credit causing me to lose a lot of opportunities. I have filed a complaint with CFPB before Complaint ID : XXXX and through BBB ( complaint ID : XXXX ), but this is to no avail. This is my last effort to fix this issue and I am attaching a copy of my XXXX which I am ready to file if this company still refuses to fix their errors on my credit file. Please see all attached documents that I will use as proof of this company 's negligent actions.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2018-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I habe had this debt removed over and over. Its not mine. I have been giving letter from hsbc and already sent to you several times. Company keeps calling and harassing. Telling me I better pay my debts from 2005. Wouldn't get calls if I was paying my debt.not mine tired of you allowing people to rtepeatedly sell false information regarding myself
Company Response:
State: FL
Zip: 32129
Submitted Via: Web
Date Sent: 2018-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A