Date Received: 2017-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Several months ago I began looking in to purchase a home. It was XXXX of XXXX to be exact. When I spoke with a lender, they told me that my credit was fine except there was XXXX collection on XXXX credit bureau for over {$3000.00}. I did n't recognize what it was so I disputed it with XXXX 30 days later XXXX came back stating it was verified. It said HSBC under a collection company 's name of XXXX XXXX XXXX but I have never done business with either company. I re-disputed it with XXXX and again the results came back with " verified. '' XXXX finally came around and I was having family over for the Hollidays so I decided to hold off until after the new year to complete an investigation. Once XXXX came and all my family had left I went ahead and started investigating the account again. I looked up XXXX XXXX XXXX since the credit report did n't give me any phone numbers and I could n't find hardly anything on them other that they were in Texas and they only had a BBB file opened less than 2 years ago. I started calling them to ask about the debt they had on my credit report and they would never tell me what it was for. I asked for documentation and they never provided it. I would call over and over asking for validation and they would always give me the run around. Around XXXX I was fed up so again I tried talking to a mortgage lender and again I was told the same thing. This account was preventing me from buying a home. The lender even attempted calling herself on XXXX XXXX and the collection agency would give her the run around too. I then tried in XXXX XXXX and it was more of the same. Finally, on XXXX XXXX I had enough and was ready to sue but I decided to cool off a bit and go talk to a credit professional. I went to a company named XXXX XXXX XXXX . I explained the situation to them and they gave me a copy of an F.T.C. booklet on the Fair Debt Collection Practices Act and told me to study it so I can learn to protect myself from predatory collectors. H e also informed me that not providing me with documentation after asking for several months was a big offense in the collection world. I felt so comfortable with them that I hired them to assist me. My representative called XXXX XXXX XXXX at XXXX and informed them that he was representing me as my POA in this matter. After verifying with me that they had permission to speak with him, my representative asked them for verification of debt as I had done for months. Then and only then did the lady say that she was just the payment processor and she could n't tell us anything ... Her name was XXXX . She asked for a call back number and said that someone would call us back on Monday. Obviously things started seeming strange to my representative so he started asking questions. He asked what time their hours of operations were and the representative then saw the time and before answering said " they all left early for the day. '' Seriously? All t he collectors left 3 0 minutes before closing time and left only the payment processor at the office? I 've never heard of a collection agency being that generous and noble with their employees before. Regardless, I waited until Monday and sure enough no call was received. Today is Tuesday and the day is almost over and again there is no call.. At this point I am going to sue. I 've studied the F.D.C.P.A. and I 've learned that this company has broken it on many occasions. Subsections 807, 808, and 809 have all been broken as they have constantly lied and misled me and my representative of everything regarding this account. They have failed to provide any documentation of any kind for this debt and therefore are collecting amounts that are not expressed in any contract whatsoever. Furthermore, they have broken the F.C.R.A. by misreporting wrong information and then claiming that it was legitimate or verifiable when it really was n't. I am contacting you because my representative advised that you are notified into this collection agency 's illegal practices so that you may stop them from doing this to other consumers. If this does not get taken off of my report in 30 days I will sue them anyways regardless of the outcome of this complaint.
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2017-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX claimed that a credit card debt was mine, but neglected to provide documents to me proving that debt was mine, nothing with my signature, only documents showing statements and payments which I have never made XXXX took me to court and I was set to be able to provide my documentation, when I arrived for my court date I was told the case was vacated and it was found in XXXX favor based on the documentation the judge received from XXXX XXXX never received the documentation even after requesting it through the courts and paying a fee to file the request I also was not even able to state my case at all, never got to stand before the judge The court documents I received showed that the the court notice was sent to XXXX , but the box for " defendant '' was not checked, I wasted my time away from work to go to a court case that never took place
Company Response:
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2017-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Da y 1 : Received an " unknown '' phone call, asking where I was yesterday, XXXX XXXX , XXXX , in order to drop off some papers. I was very uncertain about what " papers '' these could be, and all the girl said, was, " They did n't call you and tell you? I can give you the number and you can call them first to see what it 's about before I drop off the papers. '' Stunned, I called XXXX . I was not introduced with the name of the office. Instead, I was prompted to give them my social and some reference number. I was transferred to XXXX XXXX , who pulled up a " complaint, '' in the county that I live in. I was stunned further, because I am an upholding citizen who does n't violate the law, so how coul d the COUNTY complain? He went further to state an old credit card company I paid off SEVEN YEARS AGO, in which it would have fallen off my credit ( and it has ), was SUING me after " multiple attempts '' to reach me. He was calm, cool, and collected, casually spewing off the name of the original bank, and then the debt collector it was sold to. I informed him that not only was this very old debt, but one I 'd settled with the bank years ago, and that they never contacted me since, and it was only until last year that I got threatening phone calls and " documentation '' of my original agreement. He advised me to get a hold of them to confirm the debt was paid off, and that if I did n't call him by XXXX XXXX the next day, he would have to proceed with the collection agency to take me to court. In a nutshell, I called both entities, the originator and the collection agency with no success. Da y 2 : Extremely perturbed from the day before, I called XXXX promptly to avoid delay. I asked him what he could do without having to go to court. He said the collection agency gave XXXX options of payment. I then proceeded to ask him what I could do if I was able to locate the documentation. He began stuttering and would n't give me a direct answer. He said that I would just have to keep trying to call the sources linked to my payment years ago, and that was it. He would n't inform me of how I could take reverse action if I located documentation of my payment. This debt is so old, it is n't on my credit report any longer. He said to call him back when I figure out a way to pay the debt off. My wonderful fiancee and I have spent HOURS today since getting off the phone with XXXX , and have come to find that this is an illegitimate practice. First, XXXX XXXX XXXX XXXX is not a public domain, one that is found online to research. They claim to be in a nearby city, but their name and number, again, ( XXXX ) XXXX , come up as nothing but scam, with hundreds of complaints against them. A true attorney and legal office would have viable public footing online, to where you can see and review their practice, for their benefit of acquiring clients. If a subpoena were going to be served, they would not call ahead of time to locate you. The point is to get you to accept the papers without prior notice. I am now at the point where I feel illegally harassed and threatened, and feel the need to take legal action myself.
Company Response:
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2017-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: THE COMPANY NAME WAS XXXX XXXX XXXX THEY WOULD NOT GIVE ME THERE ADDRESS ON X/XX/2017 THERE PHONE # XXXX REFRENCE # XXXX THEY TOLD ME THEY WERE GOING TO TAKE MY XXXX VECHICLES AWAY PLUS GARNISH MY WAGES WHICH IS SS.THE DEBT WAS FOR {$1600.00} FROM HSBC THAT DEBT WAS PAYED IN FULL THRU MY BANKRUPTCY IN XXXX DISTRICT OF ILLINOIS XXXX DIVISION. I HAVE ALL THE PAPER WORK CASE # XXXX
Company Response:
State: IL
Zip: 60013
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a card under the promotion of getting {$150.00} in cash back after spending {$500.00} in my first three months, and I have not received my bonus yet. After multiple calls and chats with customer service they kept saying they were going to open up a ticket and nothing has ever happened with it.
Company Response:
State: GA
Zip: 31404
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened a HSBC checking account with promotion {$350.00} opening bonus after complete following task, " Received at l east one qualifying direct deposit per month into your HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. '' ( Exact copy from terms ) In fact, I completed required direct deposit activities, but do NOT get my {$350.00} opening bonus, even after talk with banker as they still insist I do n't completed required activities. Timeline : XXXX / XXXX / XXXX Opening account XXXX / XXXX / XXXX {$500.00} Direct Deposit XXXX / XXXX / XXXX {$500.00} Direct Deposit XXXX / XXXX / XXXX {$500.00} Direct Deposit XXXX / XXXX / XXXX {$500.00} Direct Deposit XXXX / XXXX / XXXX {$500.00} Direct Deposit XXXX / XXXX / XXXX {$500.00} Direct Deposit
Company Response:
State: CA
Zip: 94085
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I had a Line of Credit for {$20000.00} with Beneficial of Florida and 5 years ago I stopped the monthly payments because I was renegotiating with them a Mortgage for my House. I XXXX of XXXX I renegotiated the Mortgage and in XXXX of the same year I received a Law Suit from XXXX XXXX and XXXX XXXX XXXX XXXX to collect the total amount of the Lines of Credit through its Attorneys XXXX and XXXX . I answered the Law Suit saying I did n't have any XXXX with XXXX and I had never received a Notification from Beneficial informing that my account had been sold. After one year they filed a Motion to Mediation but they did n't give me the opportunity to choose the Mediator and did n't follow the Procedures of the XXXX County Court to go to Mediation. The day of the Mediation I attended the meeting but I told them that I wo n't participate because the irregularities they had done. At the beginning of this year there was a hearing in XXXX , XXXX County Court, wh ich was not attended personally by XXXX and the Judge accepted an Order to compel to mediation by XXXX XXXX , XXXX .
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Other transaction problem
Subissue:
Consumer Complaint: I wired XXXX {$100000.00} transfers to an individuals bank account at the HSBC branch in XXXX , NY . The XXXX XXXX XXXX suspected fraud so they recalled the wires. They were put in the hands of the Fraud Department at HSBC bank. This took place on XXXX XXXX , 2016 . I have called numerous times to have the funds returned and have no success. The Fraud Investigator i s XXXX XXXX who I have called many times. I am only able to get his voice mail. It is urgent that I be re-imbursed.I need the funds to pay the real estate loans I secured to send this money. XXXX XXXX 's phone number is XXXX XXXX . The bank info.is as follows, HSBC Bank us Nat.Assn. XXXX XXXX XXXX , and XXXX , XXXX , NY XXXX US, tel. # XXXX . Please intercede for me. I have done all I can to retrieve my money to no avail
Company Response:
State: CA
Zip: 95404
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened an HSBC account checking account in XXXX , XXXX when HSBC had a promotion of {$350.00} for opening a new banking account with it. I received my bonus on XX/XX/XXXX after I fulfilled all requirements. However, I never received the IRS XXXX in XXXX XXXX XXXX when bank was supposed to provide to customers by XXXX . Customer service representative informed customers that HSBC wo n't sent out until XX/XX/XXXX Surprisingly, HSBC sent out the IRS XXXX form on XXXX XXXX XXXX with a letter admitting their mistake and oversight. They further offered customers the reimbursement of any cost of amending tax return filing. On XX/XX/XXXX , when I called the customer care number on the letter after I refiled my tax return. The first rep was not aware of this issue, and put me on hold while contacting her supervisor. The phone call was dropped after 37 min of hold. I called back immediately, and another rep answered and said she knew the issue. But she said there was nothing she can do and hang me up without any hesitance. The whole issue was caused by the " oversight '' mistake from HSBC side, and it sent out an apology letter and offered some assistance. However, its customer care reps instead of helping customers out as indicated in the letter but treating customers unprofessionally, and refused to honor its own company 's notice to help. Based on customers 's comment online including but not limited to blogs, social networks, what happened to me was quite ubiquitous.This is not acceptable.
Company Response:
State: TX
Zip: 77550
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-24
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I had both a checking and savings account with HSBC Bank connected with my HSBC debit and credit cards .. I was always watchful of my balance . Time after time I always had enough money and HSBC woul d always say my account balance was negative again and charged me expensive fines. I could never figure out why this was happening. SO in order to protect my self from HSBC 's totally dishonest practices I had to close all of m y HSBC accounts and pay them off in full! Even after I closed all of my HSBC accou nts and payed them off in full with a XXXX balance which was confirmed by HSBC on XXXX XXXX 2016 w ith the HSBC executive on the phone confirming that I have indeed paid in full and owe HSBC no thing and that the account was closed with a XXXX balance owed confirmation code provide ( XXXX XXXX XXXX ) to verify these facts. I continued to be billed and charged fines and fees. I was still being billed and fined b y HSBC and have been ever since. I need protection from HSBS. I am still always receiving bills from HSBC that are gaining interest. I had to borrow money to pay everything off in full just to protect my self from HSBC illegally scamming me with all kinds of charges and fines. I need Federal protection from HSBC. I payed everything off just to stop HSBC from trying to continue to bill me. I paid everything off in full owing HSBC nothing. And it was confirmed by HSBC them selves o n XXXX 2016 that I owed HSBC nothing and that the account was closed. Yet,, sure enough I received anothe r Bill y et again for interest owned which was fraud. I had just paid HSBC o ff completely just to keep them from trying to continue to steel from me. On XXXX / 2016 I cal led the HSBC offic e and registered a complaint. stating that I will contact the government to obtain protection from HSBC.. I was given a conformation number stating that all debts were paid off and that the account was closed with a XXXX balance. This is the conformation number they gave me assuring that my accounts were closed and that I no money was owned to HSBC. The HSBC executive st ated that she will correct the problem and close the account with a XXXX balance owed.. this is the confirmation code # she provide to me on XXXX XXXX / 2016 XXXX XXXX XXXX XXXX ) REFERENCE CODE # XXXX XXXX ). I felt this issue would be resolve Since the n HSBC HA S CONTINUED TO BILL ME INTEREST AND FINES FOR AN ACCOUNT WHICH THEY HAVE BEEN EXTORTING MONEY FROM ME FOR MORE THAN A YEARS TIME .. AT THIS TIME I NEED FEDERAL PROTECTION FROM HSBC AN D REQUEST A FULL INVESTIGATION FOR FRAUD AND DECEPTION TO OBTAIN PROFIT FOR SELF INTEREST PRAYIN G ON THIER O WN CLIENTS TO INTENTIONALLY DECIEVE AND DEFRAUD THEM OUT OF MO NEY. HSBC SHOULD BE F INED AND UNABLE TO DO BUSINESS IN TH E UNTED STAEES OF AMERICA. I NEED FEDERAL PROTECTION FROM HSBC. A TOATL INVESTIGATION SHOULD BE OPENED AGAINST THIS DISHONEST HSBC OP ERATION. I will take this to XXXX XXXX and contact all local media to obtain protection from HSBC trying to steal more money from me or from any one e ls! HSBC SHOULD BE PUT OUT OF BUSINESS TO PROTECT AMERICAN CITIZENS AND ALL OTHERS FROM SUCH UNETHICAL PRACTICES. WE NEED PROTECTION FROM HSBC T HEFT! Thank you Kindly!
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A