Date Received: 2017-09-20
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I received a voicemail stating I needed to call back immediately. When I called back I spoke with a XXXX whom wanted all of my personal information before telling me what the call was in regards to. When I told him I did n't feel comfortable doing that, he became very hostile and disconnected the call. I called back and spoke with another representative, who was able to tell me they sent out information to a very old address but could n't tell me why they called because she did n't handle the file, XXXX did and so she transferred me back to him. XXXX then told me he was calling about a credit card I took out with HSBC back in XXXX which had a balance of {$4000.00}. I told him I never had a credit card from XXXX and he became hostile again. I told him I want something sent to me about this " debt '' so I can have an attorney look at it as it is n't mines. That made him even more upset and he proceeded to tell me they already sent me something in the mail. I told him the previous representative told me they sent something to an old address and he told him she was mistaken. I said it sounds like you do n't want to send proof of this debt and per FDCPA I am allowed to request proof of the debt. I told him the XXXX credit card I received was close to XXXX and he stated " well that 's not what your credit report says ''. He stated he was no longer going to argue with me and disconnected the call. I check my credit report very often and there 's nothing on my file in regards to what he 's claiming I owe. He was very hostile especially after I explained to him the laws I knew in regards to debt collection practices.
Company Response:
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2017-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In 2007 the HSBC account went into collections due to my XXXX and XXXX XXXX XXXX from my military service during the XXXX XXXX XXXX. I contacted the company and made payment arrangements which I successfully completed as agreed. I was recently contacted by XXXX XXXX XXXX, again, about this 12 year old past debt, and filed a dispute. Their investigation yielded account information that was not only 10 years old, it did not reflect the payoff agreement, and subsequent paid status of the account.I again contacted XXXX XXXX XXXX by phone and was told they were still investigating the dispute and would not talk about the account. I again refuted the status of the debt, and apprised the company I would be seeking legal remedy.
Company Response:
State: VA
Zip: 228XX
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-18
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I opened an account with HSBC bank because of the {$350.00} offer they mailed to me, real simple, deposit {$10000.00} into a new account and get the bonus. Well that was four months ago, no bonus, and the reps for HSBC are saying two things, that even though it 's been FOUR MONTHS since I opened the account, that is n't 8 weeks, and that the account that I opened was n't eligible for the bonus either. So I want the account closed and do not feel I should have to pay the early closure fee since they did not live up to their end of the deal and this is clearly fraud that they invite people to open an account that they know is n't eligible for the bonus only to trap their money in HSBC. I want the account closed, no fee, and nothing more to do with HSBC bank.
Company Response:
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2017-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt was resolved years ago. I have confirmation on my credit reports and from the original collector this has all been taken care of. I 've been since contacted by two companies about this debt that no longer exists, the latest being " XXXX XXXX XXXX '' The voicemail I was left ( attached ) threatens to contact my employer, garnishing wages and freezing assets. They 're also threatening to sue. The representative I talked to when calling in refused to provide me their name and a suitable address. The number they called me from was XXXX and the email address the provided was XXXXXXXXXXXX I 've attached the original agreement that I paid and got confirmation along with snapshots of my credit reports. See below for the original confirmation email and transaction ID : XXXX XXXX, Per your request, your confirmation number for your payment made today ( XXXX XXXX, 2014 ) in the amount of {$800.00}. Transaction ID : XXXX XXXX XXXX XXXX XXXX.
Company Response:
State: IL
Zip: 60068
Submitted Via: Web
Date Sent: 2017-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company continues to report incorrect data. I continue to fight with them on removing this debt. I located a screen print of data that shows the re-aged the first delinquency of this debt. HSBC has not been in business since XX/XX/XXXX. I called XXXX XXXX, who I have current debt with, state they no longer show this debt as it has been closed for 7 years. This company is attempting to pass this on as new debt. It is not, which is a violation of the FCRA. In additional Texas Finance code ( Texas Finance Code Section 392.202 ) states it goes by the date of first delinquency. The company has yet to provide me a copy of the surety bond, which is required to collect in the state of Texas per the Finance code. Texas Surety bond information as required by Sec. 392.101. This company continues to just close my complaints with some bogus generic response. I pray you force this company to provide a copy of the surety bond and the initial records of my last payment to HSBC, which will prove they re-aged this loan and violated the FCRA reporting requirements. I want all my billing statements from HSBC to reflect this is not new debt and this company violated my rights under FCRA. I expect to receive these statements from date of origination to date to XX/XX/XXXX. I also want a copy of the welcome letter and the purchasing agreement and records reflecting the last payment of this debt and the amount this company paid for the debt. I demand all of this within 15 days of submitting this request. I will continue to open a complaint until I get the information I am requesting and this is removed from my credit report. This company has yet to provide the requested documents. They are ignoring my requests completely. This debt was not opened in XX/XX/XXXX or XX/XX/XXXX. And XXXX XXXX who took over HSBC verified this information. I give the CFPB permission to call XXXX XXXX to verify this information and verify this company is reporting wrong information and refuses to remove it off my credit report.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Mortgage company HSBC/XXXX XXXX reported a late payment XXXX XXXX. The payment was not late and was submitted electronically via bill pay on XXXX XXXX ( I have bank proof ). I also received a letter/voicemail from XXXX XXXX that this would not be reported late, the late charges were even removed. The payment somehow was lost in their system and it took days and countless phone calls to retrieve it. After filing an investigation via Equifax, XXXX XXXX denied it, claiming it was late. I have evidence to the contrary. Also, Equifax has XXXX credibility anymore and should be dissolved
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2017-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # XXXX XXXXXXXXXXXX Ph : XXXX I have been getting calls as well as my family members that I owe debt to this company and my credit report does n't show that I owe anything to any collection agency/creditor or I 'm delinquent with any creditors. They mailed a letter to my mom that I am past due with the amount of {$4000.00}. This is the information on the letter : Client : XXXX XXXX XXXX File : XXXX Original Creditor : HSBC Account : XXXX Please see collection agency information below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Riverside, CA XXXX Phone : XXXX Fax : XXXX
Company Response:
State: CA
Zip: 94044
Submitted Via: Web
Date Sent: 2017-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a XXXX credit card account with HSBC Bank USA, N.A. ( Bank ). During XXXX and XXXX XXXX, the Bank launched a new account servicing website for its personal ( consumer ) banking services. The website permits consumers to access and take action regarding numerous products, including deposit accounts and credit card accounts. As of XXXX XXXX, XXXX, at least, if not for the entire time since it 's launch, the new website effectively buries the option to make or schedule a payment toward a credit card account. It can only be accessed by clicking a small, inconspicuous " View Details '' hyperlink on the account servicing page to launch a legacy website that contains the payment option. See attached screen-capture. This is not obvious in any way. Additionally, the View Details hyperlink will only launch the legacy website IF the consumer 's web browser 's pop-up blocking option is disabled. I did not sustain any injury as a result of this extremely notable design choice or defect, but only because I was willing to wait over 40 minutes to access advice ( via telephone and " Live Chat '' ) from a customer service representative who explained how I could access the payment option on the legacy website. Other consumers, however, might have sustained injuries by not being able to make or schedule a timely payment toward their credit card accounts. It is inconceivable that the Bank could have launched the new website without including a clear option by which to make or schedule a payment online.
Company Response:
State: MD
Zip: 20912
Submitted Via: Web
Date Sent: 2017-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received a mailer from HSBC offering me {$300.00} if I open an Advance account. On XX/XX/XXXX, I opened an account and by XX/XX/XXXX, I have satisfied all the terms of the promotion. The mailer said that I should receive the bonus " approximately 8 weeks after completing all qualifying activities, '' which is the end of XXXX. On XX/XX/XXXX, I contacted HSBC by phone and the agent opened case XXXX. I checked the status of the case on XX/XX/XXXX and was informed that the " specialist '' has denied the bonus. Different agents gave me different explanations. The live chat support agent told me that " the payment was denied for not having the balance of {$5000.00} plus with direct deposits before XX/XX/XXXX. '' I deposited {$5000.00} to the account on XX/XX/XXXX. I received at least 5 direct deposits : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, in the amount of {$500.00} each from my employer. The relevant part of the promotion terms ( part 3 ) unambiguously states : " For purposes of bonus, you must have at least one direct deposit in calendar months of XXXX and XXXX ''. The supervisor of the live chat representatives asserted that i failed to maintain {$5000.00} in combined consumer checking and savings balances from XX/XX/XXXX to XX/XX/XXXX. However, my CD account had {$5000.00} in it from XX/XX/XXXX to XX/XX/XXXX. Finally, the phone agent told me that my direct deposits did not exceed {$3000.00}. However, the terms did not specify the minimum amount on the direct deposit. A bank obviously can set up this requirement but not after the customer accepted the original terms of the offer. I am under the impression that the bank is trying to deceit me as a customer and is trying to find a reason to decline the bonus.
Company Response:
State: NY
Zip: 10012
Submitted Via: Web
Date Sent: 2017-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an account but did not get {$350.00} bonus as advertised : XX/XX/XXXX I submitted the application online to open my choice checking account XX/XX/XXXX I completed the bill pay requirements for 3 months within 120 days acct opened XX/XX/XXXX about 8 weeks after requirement completion, I did not get {$350.00} in acct XX/XX/XXXX contacted CSR for 35 min and XX/XX/XXXX with another CSR for 85 min with extensive holds & wait by the CSR, still without proper resolution to this date. The ineligibility of personal account held was confusing and the company did not clarify in its term the definition of personal account or show example. In the marketplace when people open personal account it normally means banking product, but the verbal explanation of CSRs say it included mortgage acct that the bank previously sold to another service provider without client 's choice is misleading and confusing to the consumer.
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2017-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A