Date Received: 2023-02-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Had credit card with HSBC. Card service was transferred from HSBC to XXXX XXXX by HSBC. Original credit was {$2500.00}. Now amount due, per XXXX is approximately {$2900.00}. Payments were being made and a total of {$2500.00} was paid to HSBC, excluding any late fee ( s ). In addition, have sent XXXX {$520.00}. ___ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ph : XXXX
Company Response:
State: WA
Zip: 98499
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: HSBC was holding my money and would not give it back. I filied a complaint with you. XXXX HSBC responded quickly, they closed the case, but now they have collection agency calling me constantly.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I purchased a motorcyle in 2006 and the dealership financed it through HSBC. I paid it off in XX/XX/XXXX and sent a small refund for overpayment on XX/XX/XXXX. In XXXX of XXXX I decided to sell my motorcycles and get duplicate titles. I learned the HSBC still has a XXXXien on my bike and I had to have then issue a " lein release ''. have called HSBC repeatedly and sent the letters for the lien release. I have not had any response from my letters and I have been repeatedly put on hold then ultimately disconnected. The last letter I sent via their instructions has also been met with no response. HSBC has not only been unhelpful they have been dismissive as well.
Company Response:
State: IN
Zip: 46112
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XXXX, I opened an HSBC account checking with my wife XXXX, as well as an investment account for my ROTH IRA. The checking account came with two debit cards ( one in each name ). XXXX has never used her card and it has never left the house, but we were just contacted by HSBC about potentially fraudulent charges. There have been two charges at an XXXX store in XXXX, CA first on XX/XX/XXXX, and a second that shows as posting XX/XX/XXXX. These were accepted by the bank, but then an attempt was made to charge a hotel room ( XXXX XXXX ), and this was blocked by the bank, triggering a call.. We know that the card has never left the house, and has been locked away in a drawer in our desk. It has never ben used online, and has never been attached to any payment service etc, and we have never recorded the card number in any written or electronic document. We are certain that the card information has not been stolen from us so I have to conclude that somehow the information came directly from HSBC bank, or some affiliate. I have told them this, but I have no confidence that they intend to investigate this. The amounts were small, but if this information leaked from the Bank, then this is potentially a very serious issue.
Company Response:
State: CA
Zip: 95020
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Lost or stolen check
Subissue:
Consumer Complaint: In XXXX I filed this complaint and and it still has not been resolved. I submitted the forms through and HSBC affiliate in XXXX and never heard back from XXXX or HSBC. My original complaint number is : XXXX In XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX an affiliate of HSBC ) and XXXX {$17000.00} as a demand draft ( see attachment ) in preparation for leaving. The demand draft was drawn on HSBC Bank, XXXX. Upon arrival in the XXXX I deposited the demand draft. It was returned without explanation by my US bank ( XXXX ) and stamped " XXXX XXXX XXXX ''. They issued me a check in XXXX of the original ( see attachment ), which I then attempted to deposit at Bank XXXX XXXX. The teller accepted the check and said it would not be a problem. When the money did not appear in my account after several weeks I called and was told that the check was returned and since they destroyed the original I would have to contact the original bank for another one. Since I was no longer in XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX, and they went to the branch with copies of all the attached documents as well as a XXXX. They were told that my demand draft was in fact returned, and the money deposited into my account. However since it had gone dormant, the money was transferred to the XXXX affiliate of XXXXHSBC XXXX HSBC Bank XXXX XXXX I called the HSBC help lines and since I don't have an active account the customer service reps can not help me. I have searched various states ' abandoned property listing and come up empty. I get no response when I email the HSBC addresses on their website.
Company Response:
State: CO
Zip: 80921
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A fraudulent personal loan was opened under my name with wrong address. I requested HSBC to delete account # XXXX with a Balance of {$20000.00} and reported it as fraud but HSBC refused to do sure, and still with the help of the XXXX XXXX XXXX XXXX they are holding me XXXX and damaging my credit report. I submitted the Identity thief report and police report to both HSBC and XXXX but they refused to follow the law and still kept the incorrect information on my credit report. The fraudulent account mentioned above, was deleted from XXXX and XXXX, but XXXX refused to delete the account from my file after I disputed the account more than 10 times. XXXX would do whatever it takes to have the banks use them for their business needs, and it doesn't matter who gets hurt on the way. XXXX does not follow the law instead they are acting as if they are the law.
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have lived in this home for over XXXX XXXX my XXXX XXXX XXXX in XXXX and prior to that she moved from the home in XXXX when we lived here together and I have live here since. She left the house in XXXX to me when she XXXX XXXX in XXXX at this time with the last payment I made on the mortgage there was only {$84000.00} left on a home equity line of credit because the house was already fully paid for and my mom took out a home equity line of credit that was what I was paying back the {$84000.00}. I have been trying to deal with the bank since XXXX through hiring several attorneys and none of them ever helped me XXXX even XXXX XXXX I hired another attorney back in XXXX who has the case now. Since then I have been trying to get him to stop the foreclosure, he did nothing for XXXX then finally I requested my Loss Mitigation package prior that the attorney who left his firm got for me please, be sent to the bank - sitting on it and had not done anything for over a XXXX and a half. This other attorney who handle my case there, he was really solid on my but left the firm back in XX/XX/XXXX. Even with most of the work done by this former attorney the owner of the law firm has refused to do anything to help me the way he should be. He's non-responsive, I have requested meetings, my emails are ignored, my calls are ignored, I even received " block '' email response from XXXX of my emails to a law clerk where she stated she would relay my messages to him and help me. Who did that response with the whole XXXX XXXX wondering why this happened that it was unprofessional that I needed some answers that I feel stagnated what's going on completely ignored me. I've asked for replies, updates - nothing. I had to literally find out that my lost mitigation package was not accepted by the bank attorneys themselves ( as I was left to go seek answers on my own receiving a XXXXXXXX XXXX LETTER notification that the house was up for auction ) and they told me they had reached out to my attorney XXXX prior to tell him that my loss mitigation was denied and I didn't know why it was denied. Couldn't even understand why I was now even paying for a home that was actually gifted to me. Nonetheless I kept seeking answers to try to get to some resolution to protect my rights but no one is talking to me and seem to just be moving ahead with their own agendas. I'm just confused and the attorney is not even stepping in to help me and they now do not even want to speak to me because of hiring an attorney and being represented by -- -- so it seems as if my attorney is just holding me XXXX. I can not reach him to even fire him and now they have set a date for this to take place which I'm just finding out about the response was XXXX ago to set a date for the auction sale in XXXX. I have tried everything and it's not fair how the bank is trying to basically steal this home from me ( the bank even has a notarized copy of the XXXX since XXXX showing my name and the address of the home in detail specifically stating it is to come to me upon her XXXX ). I sent it to them all of my personal information all everything my social security number it's not as if they're in the dark about who I am, I provided all of that that they asked of me. Prior to this, when my XXXX left in XXXX I have been always diligent my XXXX payments always paid even before time, I kept the house up, everything was cared for. I never had any problem with taxes, since the bank has denied trying to deal with me everything has gone to XXXX they even sent me letters stating that the tax bill is accumulating but they're putting money in an escrow to pay the tax bill but yet I keep receiving tax bills that are not that it's not paid so I'm not sure what's going on with that either. I think they're just taking a bunch of money all of the equity out of the home and making up reasons for it and now they want to just throw me away and take the remainder of it but they've put me in a real precarious position of not even being able to do anything about it because my hands are tied I don't know what to do and it seems as if they're really trying to rip me off and XXXX XXXX XXXX XXXX XXXX XXXX from my own family home that I have inherited in XXXXXXXX XXXX XXXX Please help me. Thank you.
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I logged into my HSBC online banking account on XXXX. After the bank verified my identify via text message to my phone, they came back with an error message asking me to chat with one of their customer service reps. The rep informed me that they had transferred my account to XXXX XXXX in XXXX. It was the first I had heard of this. HSBC had sent regular monthly emails to my email address through XXXX informing me that my e-statements were available to view. At no time did they inform me by email or phone that my accounts would be moved to XXXXXXXX XXXX. The customer service rep simply gave me an XXXX number to call XXXX XXXX if I wanted more information. I expressed my incredulity that HSBC had done this without notifying me. Upon further investigation, the customer rep informed me that HSBC had actually closed my accounts and sent my checking and savings account balances to the State of California as unclaimed funds. Again, at no time did HSBC contact me via my email address or my phone, both of which they had on file and were still current in their systems. I had moved my physical address within XXXX XXXX XXXX, California several years ago. The rep claimed that HSBC may have sent mail to me at my old address, in spite of the fact that HSBC had encouraged me to shift to e-statements and e-banking instead of physical mail. The fact that HSBC can unilaterally close or transfer accounts with minimal or no effort to notify their customers is frankly unbelievable to me. I am now in the process of attempting to reclaim my funds from the State of California.
Company Response:
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a line of credit, /credit card with HSBC . I lost my credit card XX/XX/2023. I called to speak to a customer service representative to report the card post. I spoke with a representative to review a list of charges before sending me a new card. I lost my card XX/XX/XXXX. When the respresentation went to review the summary of charges they found that for XXXX from XXXX XXXX was charged on my card which I did not authorize on XX/XX/2023. ( XXXX days after it was noted that my card was lost which was XX/XX/2023. HSBC initially went through with my fraud claim, but later rejected.This is my 1st fraud claim with HSBC. I have not ever made CC charges with the XXXX XXXX merchant in the past. The unauthorized fraud charge of XXXX from XXXX XXXX is back and still on my HSBC CC account.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an HSBC US personal checking account in XX/XX/2023 and deposited funds from another US personal checking account in the same name. When I attempted to withdraw the deposited funds back to the original external US personal checking account, all online and mobile banking services became restricted on my account and no customer service member could explain or outline what I needed to do to unlock the account and access my funds. HSBC eventually unlocked my account and allowed two instant payments back to the origin account but the stopped the remaining ACH transfers I requested ( I had to do multiple because of the arbitrary limits they put on each one ). They called me multiple times asking the same questions surrounding, " Why are you withdrawing the funds to the same account they came from? '' I explained it was because HSBC account functions were locked previously to me, the entire funding process was taking longer than expected with the lockouts, and I needed to use my funds that week. HSBC then froze the account and advised me they would keep the funds for 60 days while they " figure out what is going on and where the money should go. '' This is my money caught between two basic US checking accounts owned by me. It is a very simple consumer situation yet they are keeping my large amount of personal savings for 60+ days and not allowing any access to my account details or funds and refusing to offer any explanation. This is extremely financially damaging for a customer in my situation and who was told ACH transfers would take a maximum of 5 business days. I am missing out on making timely payments and on earning interest on my funds all because HSBC decided to take their sweet time to review what is happening while keeping me locked out. This is not what any reasonable consumer would sign up for. Why doed HSBC get to keep my funds for 60+ days without my consent? This is a very basic ACH transfer situation that was handled extremely poorly by HSBC and damages my ability to make payments and rely on financial services as advertised. I am out a lot of money because of this surprising lockup of my funds and forced to wait an unreasonable amount of time to access my funds. Any consumer could easily get into my situation, all I did was transfer money in and out from the same account via ACH, and there seems to be no accountability for HSBC to honor my requests nor return my funds in a reasonable time. They won't even send them back to the origin! Please help return my funds ASAP.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A