Date Received: 2017-05-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: When I came back from my mission field on XXXX , XXXX , somebody from XXXX XXXX XXXX called me to insist pay off the balance of unknown credit card. I came to know that a wrong person stole my personal information and made at least XXXX credit cards under my name and spent a lot of money. I did not know until that time. I have never received any bank 's statements of the fraudulent credit cards. I asked a credit agency, XXXX , to send me my credit card records, then, I found somebody stole my ID and made cards from at least XXXX more banks. I wrote each bank to dispute the credit and finally, HSBC and XXXX did not solve the problem. Particularly, XXXX XXXX XXXX continue to send emails to insist pay off even though I sent my clarifications of the transactions of the fraudulent cards. At the beginning of disputing on XXXX , the bank sent me statements of several months, of which card 's ending is XXXX . I do n't know this card. I never received the card nor bank statements. I send them that the card was not mine. But the bank send me another numbers two times and transferred the balance of the fraudulent card , XXXX XXXX . They did not intend to correct the statement. They reported to credit agencies a very starance credit card number under my name. I do n't know how to do it.
Company Response:
State: NM
Zip: 87112
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an offer in the mail from HSBC XXXX XXXX for balance transfers at 0 % interest for 12 months with {$0.00} transfer fee. I used XXXX of the checks to pay another credit card in XXXX . On XXXX XXXX , transfer was processed by HSBC, transaction reversed on XXXX XXXX . I received no notification ( mail or e-mail ). When I called to inquire where the balance transfer was in the process, they directed me to security to answer some questions, this was supposed to release the balance transfer but did not. For four months and many calls they were unable to process the balance transfer without a fee, finally a manager processed the transfer and refunded the fee in XXXX XXXX . But now HSBC failed to honor the 12 months at 0 % and would only provide the offered rate until XXXX XXXX . After repeated calls in XXXX , XXXX and XXXX they were unable to extend to honor the 12 month offer. The end result is I was offered 12 months at 0 % with {$0.00} transfer fee, after a tremendous amount of effort on my part, they provided 8 months. Institutional incompetence is no excuse for false advertising and fraudulent behavior.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2017-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I paid off my mortgage on XXXX XXXX , 2016. HSBC Mortgage has not recorded mortgage satisfaction to this day.
Company Response:
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2017-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: HSBC is the worst, do n't deal with them. Opening account, giving their info, they told you something is wrong, and then hold tax, using your account without your agreement. HSBC did not do bank duty, also violating the US law. How dare they are, g ot to get an to attorney to work on the case.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2017-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a threatening voice mail from an XXXX XXXX stating that she was from HSBC at XXXX . She threatened me with the following statements : That they will find my employment, freeze my assets, and that my " personal finances will be interrupted '' in 72 hours if I did not contact them. When I called her back, she became extremely argumentative and when I asked for her supervisor, she refused to transfer my call. She hung up on me. I called her back and when I asked the lady who answered for a supervisor, she indicated that she was one. When I told her I wanted to know why they had threatened me, she became evasive. I asked her for her supervisor and she hung up on me. All in all, I tried 4 calls to find out why they were calling me, or if the call might have been for my mother. These people were rude, threatening, and should be stopped from making threats. I have attached the voicemail recording for your information and review.
Company Response:
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: To Whom It May Co ncern : I XXXX XXXX am filing this disputed complaint against multiple affiliated entities such as XXXX XXXX XXXX , and C/O : XXXX XXXX XXXX , and HSBC Bank/ XX/XX/XXXX , i n regards to their fallacious reporting 's to XXXX , entity. In Between XX/XX/XXXX , and XX/XX/XXXX , I contacted the original lender o f HSBC Bank/ XXXX , t o advised them of my immediate financial hardships and extenuating circumstances that would prohibit me, from making continuous payments going forward. As such, they advised me to enter into one of their affiliated credit counseling programs of which I complied and comme nced. As such, about a month thereafter, I received a call from a gentleman stating that he was just calling to see if they were any changes in my financial status, and of which I said no. As such, he continued on by saying your almost a year behind on your mortgage and still under water with many other financial payments and companies. And right thereafter, to my surprise he proceeded by saying that as of today he no longer would be pursuing this matter, and therefore, this debt will be made nullified as under cease and desist order and will be shared with all of their affiliates, to comply with going forward as well. However, to that narrative in XX/XX/XXXX , while I was residing in the east coast w hich is a bout XXXX states away a friend of mine had informed me about coming in contact with a subpoena order of which she founded on her door. So, I requested that she scan and e-mail such documents. Upon reviewing such documents it turned out that it was XXXX XXXX XXXX , who had filed a lawsuit by utilizing a law firm based out of XXXX XXXX Michigan suing for court costs, attorney fees, and other additional bogus charges other than the original left over debt balance of {$6 30.00}, range, and with theirs showing {$820.00}, from HSBC Bank XXXX , and with the lawsuit debt showing {$920.00}, stemming from XXXX XXXX XXXX , and affiliates, that they were currently utilizing to place judgement against me, in a cunning, and gravalicious attempt. So, right after revising such documents I decided to contact the courts and shared to them the same sentiments of what was said, to me verbally and also advised them that I was also, no longer residing in the current state and county of whe re such lawsuits were filed and in further, advised the court clerk that It would also be difficult for me to make it there, as I was l ike XXXX states a way. I also said, to the clerk, that if there was a way for me, to do the hearing over the phone on the date specified for such specific times as that would work out for me just fine. She replied by saying no, and that the information that I had provided her with was good enough to record down and proceed with. And in further, she also provided me with an email address and link to give such, shared verbal statements in writing of which I executed and completed, with also a follow up call to make sure, that such, request was received and of which was also verified out accurately. And that was that. In further, I also contacted the law firm and spoke to a gentleman and shared the same sentiments of what was said to me verbally over the phone stemming back from XX/XX/XXXX . That same gentleman at the law firm took my statement and replied by saying okay. Again, that was that, and to this day I have n't heard from any of the sources that I had called into about the shared sentiments and statements in general. But as such, I have been noticing constant reports being made against my credit under XXXX , enforced b y all XXXX entiti es of XXXX XXXX XXXX , an d C/O : XXXX XXXX XXXX , and HSBC Bank/ XXXX and on many numerous occasions that I have made constant contacts with XXXX , and shared the same sentiments, and to no avail, to this day no such, actions of deletions has been made by any of the affiliated entities that 's reporting all such negative and derogatory reportings. And as such, in my closing out analysis and conclusion surrounding this entire matter. I for one have d etected that these XXXX e ntities is full of ethical fallacies that supports their unethical behavior for how they all conduct their businesses with no good reputation or credibility behind them, and in further, they all utilize such disturbing approaches to entrap and take advantage of past and present customers that perhaps, would have never catch on to such undermining events, and for which many would deem as an act of non-de minimis attempts, which also supports acts of extortions on so many unjust levels. And as such, again, I therefore, request that all the se XXXX en tities cease, and desist all such reportings against my credit with XXXX , as one of your associates had already declared the aforementioned over six years ago which supports all my shared statements and sentiments with all the appropriate parties and entities here by in general. And as such, as it relates to the subject matter, I am requesting that very stiff penalties of swift acts of justices by the body of government that oversees, and regulates al l XXXX entities as their ways of conducting businesses at all levels demonstrates nothing but an act of deeply disturbing business conduct in general in the marketplace. And lastly, please see info on XXXX XXXX XXXX , law website regarding XXXX XXXX XXXX , and XXXX XXXX XXXX .
Company Response:
State: IN
Zip: 46725
Submitted Via: Web
Date Sent: 2017-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a series of erroneous, credit-damaging late fee payments reported by HSBC on an overdraft account dating back to XXXX -- that I did not know existed. HSBC has, for 7 months, stated that they would resolve the issue and instruct the credit reporting agencies to remove this erroneous information from my account. ( See HSBC communication attached. ) They have failed to do so, and my credit report still carries a major delinquency in the form of a 180 day late payment -- which never existed and was generated by HSBC a s a " processing error. '' The damage to my credit has not been resolved nearly 1 year later, causing me higher mortgage rates, car payments, and the potential loss of a job.
Company Response:
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2017-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: HSBC MORTAGAG XXXX : is my lein holder or owner of my loan, I XXXX XXXX have been dealing with serious medical conditions, which has cause loss of income, I had to file chapter XXXX in XXXX XXXX , did not reaffirm my home, I have been working with HSBC on a loan modification. Talk to them in XXXX XXXX told them what was going on and why filed loss mitigation medical hardship, Have been going back and forth, and now there are offering a 24 month mod. with a {$200.00} saving on a {$1400.00} on XXXX XXXX saving on the second {$540.00}. I have requested permanent modification, my medical condition will never get better only worse. Hoping to recover enough to get back to work, I am on short term XXXX getting {$320.00} a week since XXXX / XXXX / XXXX . having XXXX XXXX on the XXXX of XXXX . I ask for the lowest payment. for if I had to go on total social security XXXX . I could keep my family home. they are just being unforthcoming to help me in my situation.
Company Response:
State: WI
Zip: 53149
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Money was not available when promised
Subissue:
Consumer Complaint: This is the second claim I have submitted on the bank, HSBC. I sent XXXX wi res to customers of the bank, totaling XXXX from my XXXX XXXX XXXX account. We suspected fraud so they XXXX wires were recalled but the funds have not been returned. The first complaint that I submitted were met by a response from HSBC that called for a letter for indemnity from XXXX XXXX XXXX . The lady in charge of the Fraud Dept at XXXX XXXX XXXX informed me that they are not able to provide such a document. If they wish, I will sign such a letter for them, if it will help get my funds returned. My prior complaint # is XXXX . Please recontact them for me and urge them to cooperate. I urgently need my money. I took out home equity loans to take part in this scam.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: HSBC Bank Nevada, N.A. Charter Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX Account Name HSBC BANK NEVADA N.A. RC Account # XXXX This company needs to remove any items related to my PERSON from ALL credit agencies. If not I will record a perfected security interest in this entity for 3x the bo gus balance amount plus damages plus fees.
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A