Date Received: 2017-04-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a savings account with HSBC bank that is now in dormancy because there was no activity on it for a period of time. The account has funds in it which I would like to access. I 've called HSBC three times over the last month to have them send me a form to release the account from dormancy status so I can access it. I live in a state where there are no HSBC branches, so I ca n't easily get access to the form. I also sent HSBC a notarized letter asking them to release the account from dormancy. To date nothing has been done. HBSC has been unresponsive when I ' ve called, telling me I just need to wait for the form in the mail. When I called on XXXX , I spoke with someone named XXXX . The second time I called on XXXX , I spoke with someone named XXXX . The third time I calle d ( on XXXX ) I spoke with someone named XXXX . They have refused to email me the form, or send it to me via expedited shipping where it can be tracked.
Company Response:
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-21
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I signed up for an HSBC Checking acc ount which offered a {$350.00} welcome bonus after completing requirements. I have no received the welcome bonus.
Company Response:
State: NJ
Zip: 07042
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Recieved several calls from XXXX XXXX regarding a file number and account in my husband 's name. They called him, me, and his ex-wife. I called them back and spoke with a representative named XXXX XXXX at XXXX . He told me that my husband had and XXXX mastercard that was opened in XX/XX/XXXX in XXXX County that he was active with and making payments on until XXXX of XXXX but then had an outstanding balance left of XXXX . He gave me his social security number and his former addresses, including one that w ould be accurate at that time. Figuring it was a legitimate debt I agreed to pay it, he emailed me a contract and I signed that electronically and then gave him information to make the payment. I then contacted my husband to follow up. He never had a credit card at that time, it was not his debt. He also checked his credit report to verify that this charge was not on it. I called XXXX back and told him that it was not a valid debt and that they were not allowed to collect those funds. He was able to list everything on my husbands credit report and claimed that that the account he told me about was the same as the account listed there, however I paid that account in full a couple months ago, and the amounts and dates did not match up. He told me that i was committing a breach of contract, that he has me on a recorded line agreeing to pay the amount, and that they would file ligation against us to collect the amount and more because of that breach of contract. He back pedaled and tried to claim that if i provided him with the paid in full information they would just clear the debt, when i told him that the account on the report is not the one he is claiming to collect on he said that there is just a discrepancy in the amount, he also said that they pulled the charge off the credit report to pursue it. So not only was there just a discrepancy in the amount, but it was not really even there. He called me idiotic, rude and argumentative, and consistently contradicted himself. I explained that we would not be paying that amount, contacted my back to ensure that no charge would be approved by them and informed him that I would be reporting them for fraud.
Company Response:
State: CA
Zip: 93304
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: XXXX XXXX out of North Carolina is trying to collect on a debt that they state was charged off by HSBC Card Services Inc XXXX XXXX I moved from XXXX to XXXX XXXX XXXX . They have no legal right to threaten me with a law suit based on XXXX XXXX six year Statute of limitation regardless of the type of debt. And XXXX has a statute of four years for all debts. I received the same letter from this law firm in XXXX . And yet they are threatening me with a lawsuit and trying to intimidate me with a law suit. They are breaking laws and being a law firm they know this.
Company Response:
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mother sold her home in XXXX XXXX . The home was located in XXXX NY, XXXX . My mother owned the home free and clear of any debt at the time of the sale. During the title search it was found that there was line of credit for {$28000.00} taken out against the home in XXXX . The line of credit was paid off sometime on the late XXXX 's. My mother can not find a copy of a release letter, or statement indicating the line of credit was paid off. Due to outstanding line of credit on the title search, {$30000.00} was held in escrow ( by the attorney ) pending receipt of a lien release letter. The line of credit was initially taken out with XXXX XXXX XXXX , which was ultimately acquired by HSBC Bank. I have tried numerous times contacting HSBC regarding this issue. I would estimate I have called th em 20-30 times and emailed/mailed/faxed at least 10 times. I have also had an attorney call them several times and send at least 2 or 3 letters . I do have extensive documentation and timelines that I can provide.
Company Response:
State: NY
Zip: 14450
Submitted Via: Web
Date Sent: 2017-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: The mortgage complaint that I have is with Household Financial Corporation ( HFC ). My parents ( XXXX and XXXX XXXX ) had a mortgage account with HFC ( XXXX ) for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX. Both XXXX XXXX ( deceased date : XX/XX/XXXX ) and XXXX XXXX ( deceased date : XX/XX/XXXX ) are deceased and I ( XXXX XXXX ) have been designated as the Executor of the Estate through court. In XX/XX/XXXX, the property listed earlier went into foreclosure. On XX/XX/XXXX, the total balance of the mortgage was {$69000.00}. Before the property went into the final foreclosure process, the property was sold on XX/XX/XXXX. According to the Settlement Statement and HFC Payment History, HFC received {$83000.00} for the payoff of the first mortgage loan. According to HFC Payment History, this left an over payment and credit of {$14000.00}. Before leaving for a XXXX, I began the process of requesting the over payment/credit of {$14000.00} be compensated to the XXXX XXXX. In XX/XX/XXXX, when I identified the over payment and illegal practice of HFC, I began the process of having the XXXX XXXX compensated of the {$14000.00}. HFC admitted to their negligence of the over payment and claimed that HFC paid the property taxes on a property in which HFC did not have a mortgage on ( XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ). At the time of the HFC 's negligent act, I was renting this property and did not have any ownership in this property. In XX/XX/XXXX, HFC claimed that the company will begin the Erroneous Tax Payment Process and claimed that the compensation of {$14000.00} will be return to the XXXX XXXX. Since my return to the United States in XX/XX/XXXX, I have yet to receive the reimbursement check totaling {$14000.00}. In addressing this illegal practice, throughout the years, I have been in constant communication with HFC attempting to collect the {$14000.00} due to my family 's estate. HFC admits to their negligent act an illegal practice ; however, HFC has not corrected their illegal act by compensating the XXXX XXXX. Throughout the years of me attempting to seek justice for the XXXX XXXX, HFC has continued with their illegal practice and continues to cover up their illegal practice with their negligent act. This is evident in the most recent HFC Correspondence for their representing attorney ( XXXX XXXX XXXX ). In a HFC Correspondence dated XX/XX/XXXX, the HFC Attorney threatened me by saying " As I stated in my XX/XX/XXXX letter to you, to the extent you wish to further pursue the {$12000.00} on behalf of the Estate of XXXX and XXXX XXXX, please know that my client will likewise reinstitute its demand for the same amount from you. '' The HFC, the attorney went on to state, " My client remains unwilling to reimburse the Estate of XXXX and XXXX XXXX for this expense. '' In this case, the illegal practice of HFC failing to compensate the XXXX XXXX with the {$14000.00} does not have anything to do with HFC negligent act of erroneously paying the taxes on a property in which HFC does not have a mortgage on or any interest in the property. I am requesting the Consumer Financial Protections Bureau to assist in correcting the illegal practice of HFC and paying the amount due to the XXXX XXXX.
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2017-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-15
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Sub : Reg. Account opening bonus {$350.00} Enquired and Verified several times with HSBC customer service through bank emails, phone calls and chat. I have been advised that the bonus promotion {$350.00} will be credited to my account by XX/XX/2017. So far it 's not credit yet on my checking account. Even discussed several times with customer service, the team is not knowledgable circling and not providing solution on my case. Hence, raising this complaint to resolve my issue : Few case history reference for the investigation : Checking Acct Inquiry ( XXXX ) Date : XX/XX/2017 We are pleased to inform you that our Online Processing Team has reviewed your request and confirmed that your account is eligible for the {$350.00} promotional offer. Your Checking Account should be credited with the {$350.00} by XX/XX/XXXX. Checking Acct Inquiry ( XXXX ) XX/XX/2017 Upon review, we notice that the {$350.00} Bonus is scheduled to be credited within the XX/XX/XXXX. Checking Acct Inquiry XXXX XXXX XXXX XX/XX/2017 : You will receive your {$350.00} bonus into your account within the next 7-10 business days. Checking Acct Inquiry ( XXXX ) XX/XX/2017 : Upon review, we notice that you have successfully set up two bills per month from your new HSBC Checking account via HSBC? s online Bill Pay for three consecutive months within 120 calendar days of your account opening. Please be informed that the last payment was initiated on XX/XX/2017. As such, you will automatically receive a {$350.00} welcome deposit into your account approximately within eight weeks from XX/XX/2017. Checking Acct Inquiry ( XXXX ) XX/XX/2017 : We have submitted a case to have the status of your promotional deposit investigated. Please allow us some time to look into this. Now, I have been told that about the eligibility criteria investigation again, which was investigated and confirmed by customer representative in XX/XX/2017 itself. Checking Acct Inquiry ( XXXX ) XX/XX/2017 : Thank you for your patience while we researched your promotional deposit eligibility. Since the account open date was after the Fall cut off date we are reinvestigating your eligibility. Please wait until the next month 's results are out. You will receive the gift by XX/XX/XXXX if all the criteria are met. I have lost my patience and faith with HSBC and it 's poor customer service, hence I 'm raising this compliant. Please investigate and resolve my issue at the earliest. Regards, XXXX XXXX
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2017-04-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-13
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I received an invitation from HSBC bank to open a new checking account and if I make two bills pay for three month, I will receive bonds of {$370.00}. I went to branch and open the account back on XX/XX/XXXX. I met the requirements but I did not receive what I was promised. I called the XXXX # three weeks ago I was told we will investigated and get back to you in 24 hours. I never heard back. I stooped at branch I spoke with XXXX and XXXX the person who open the account for me. I was told it take three months after I met the requirements I told him that passed a few month ago. She called the XXXX # and was asked to submit a request to investigate the mater and I will get a call in a day or two. Two weeks passed by never heat back. I called again XXXX said that I did not meet the. I have been make bill payment more than XXXX times. Some one has to hold those people accountable for the misleading services. PLEASE SEE BELOW. XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX PYMT {$100.00} XX/XX/XXXX PAYMENT TO XXXXELEC PYMT {$59.00} XX/XX/XXXX DEPOSIT {$2800.00} XX/XX/XXXX ONLINE PAYMENT TO XXXX XXXX PROCESSED ON:XX/XX/XXXX REFERENCE NUMBER : XXXX {$460.00} XX/XX/XXXX PAYMENT TO XXXX-XXXX {$1400.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$65.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX {$84.00} XX/XX/XXXX PAYMENT TO XXXX ONLINE-PAYMENT {$250.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX-ELEC PYMT {$52.00} XXXX/XXXX/XXXX DEPOSIT {$2800.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$62.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$77.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$740.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$370.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$16.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$180.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$51.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$54.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$570.00} Debit ( - ) Credit ( + ) XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$200.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$540.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX {$360.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$570.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$70.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} THANKS
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-13
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: After receiving on XX/XX/XXXX mail solicitation from HSBC Bank promoting their Checking account service with {$350.00} promotional bonus for opening new checking account I 've decided to participate in it and see how the new HSBC service would benefit me. I 've opened account online by filling online application at XX/XX/XXXX. Somehow, it took HSBC around a month to really open my account, so I have finally received confirmation email of my account open on XX/XX/XXXX. {$350.00} promotional Bonus requirements : " include paying at least TWO Bill Pays per month for THREE consecutive months within 120 calendar days of account opening ''. Following promotional Bonus requirements after account was opened I 've immediately scheduled 3 consecutive monthly payments on HSBC.COM site to 2 of mine regular bill payment recipients ( overall 3*2=6 payments ). Such payments were properly made for 3 consecutive months starting XX/XX/XXXX and finishing on XX/XX/XXXX. However, to my surprise, instead of receiving promised Bonus I was hit by XXXX Service Fee charges ( {$15.00} each ) And after that discovered through HSBC XXXX XXXX XXXX that somehow : " Upon review of your account we notice only one Bill Payment in XX/XX/XXXX, two Bill Payments in XX/XX/XXXX, two Bill Payments in XX/XX/XXXX, and only one Bill Payment in XX/XX/XXXX '' Therefore, HSBC refused to owner there promotional obligations only due to the fact that they count months as either calendar months and/or statement period months, but not as timespan months ( contrary to their paper written promotion that does n't mention " calendar '' or " statement '' months ). I 've spent a lot of time/efforts trying to resolve this issue directly with HSBC Customer Experience Team, but with no success. I feel, I was treated unfairly and even feel sick. I feel, HSBC is using unfair, confusive and deceptive promotional and business practices. I want HSBC to officially acknowledge there " mistake '', my {$350.00} promotional bonus be paid, as I properly fulfilled all promotional obligations.
Company Response:
State: CA
Zip: 90275
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was paid in full XX/XX/XXXX. ( I have receipt and canceled checks ) Was called and ask to pay XX/XX/XXXX I explained the debt was paid. Told debt is cleared. Contacted again XX/XX/XXXX, explained debt was cleared. I was told is was a mistake after I explained and I would not be contacted again. But 2 times after pay off debt???? Something is wrong.
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2017-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No