Date Received: 2023-01-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a home equity credit line on a fully paid house in XXXX XXXXXXXX XXXX after a provisional approval I was denied credit on the basis of : -Temporary or irregular employment -Value or type of collateral not sufficient I believe the Bank did not treat me fairly and did not take into account all the information. On the temporary employment issue : I worked non stop from XXXX when I came here to the XXXX to XXXX a master in real estate which I successfully completed. In XX/XX/2022 I joined XXXX where I am currently employed with a respectable position and salary. On the collateral issue : The Home equity line I subsequently requested, was for XXXX secured by a house value by the Bank at XXXX. Furthermore, I hold assets with the same Bank overseas in excess of XXXX therefore their reasons are not very solid hence my claim of unfair treatment. Please do not hesitate to contact me for any questions.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I filed a fraud claim with HSBC XXXX XXXX for unauthorized charges on my debit card for some international charges from a merchant named XXXX in the amount of {$1900.00}. I spoke with the fraud department on XX/XX/XXXX and was told I would be issued a provisional credit within XXXX to XXXX hours. Days later I contacted the fraud department again and I was told that the credit was canceled and that they had reached out to the merchant and I had to wait until the merchant responded which can take up to 45 days. I asked why had the credit been canceled and agent could not give me an answer. Since then I have called several times to speak with a supervisor from the fraud department and I continue to get the same answer, which there is not one available and that I would get a call back from a supervisor. I have never received a call back! I have XXXX payments declined, and I have had to now switch direct deposit to another bank because this inconvenience. I was finally able to get in contact with an supervisor from the fraud department today, XX/XX/XXXX. The supervisors name was XXXX, and he told me that the credit was never issued on XX/XX/XXXX and that I had to wait for the merchant to respond. That is completely untrue because I have spoken to several agents which all showed in the notes that the credit was issued then pulled.
Company Response:
State: LA
Zip: 70592
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received the following e-mail regarding a " delinquent '' account for my mother who has been deceased since XX/XX/XXXX and who was in a care home with XXXX for 5 years prior to that. The address on the account is one she has not lived at for more than 8 years. Thus, this is an impossible debt in the first place and second, if there were a legitimate claim they should have made it before the estate closed. From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Your statement is available for HSBC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX is a debt collector. We are trying to collect a debt that you owe on your HSBC XXXX XXXX XXXX account to XXXX XXXX. We will use any information you give us to help collect the debt. Our information shows : Your Account is now owned by XXXX XXXX from HSBC XXXX XXXX XXXX with account number : XXXX As of XX/XX/XXXX you owe : {$5800.00} You do have the option to settle or you can click on our portal link and customize a payment plan that fits your financial needs. The information that you'll need to create an account and view your information is as follows : Reference Number : XXXX Last name : XXXX View your account through our online portal : XXXX XXXX XXXX Portal If you have never logged into our website before then please click here to create a new account : New Account Registration Contact us by phone : XXXX To Unsubscribe from further emails please click here : Unsubscribe Federal law requires we notify this is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View your Account Unsubscribe Unsubscribe Cancelar la XXXX How can you dispute the debt? Call or write us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. If you write us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX What else can you do? Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we must stop collection until we send you that information. You may use the form below or write us without the form. We accept such request electronically at XXXX Go to XXXX to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. Contact us about our payment options. Pngase en contacto con nosotros para solicitar una copia de este formulario en espanl. ________________________________________ Disclaimer : The information in this email is sensitive information intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
Company Response:
State: CA
Zip: 93401
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2022, my company fell victim to two multi-layered scam operations run by someone who created a mirror site of XXXX XXXX XXXX ( the Scammer ) which involved me making deposits for a total amount of XXXX USD from my HSBC XXXX account to HSBC US at the instructions of the scammers.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have repeatedly asked HSBC USA through HSBC XXXX to reverse the {$120000.00} transaction I sent through them after falling victim to a scammer. However, this bank has taken no action, and I received an email informing me that they can no longer assist me because they have sent the funds to the recipient already. HSBC USA and XXXX abandoned and disregarded me when I required assistance.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Last payment was sent in XX/XX/2020 which was right before the pandemic went worldwide, All government offices were closed and I did not have any means to pay since i was out of work for a few months. After I went back to work many government offices were still closed so I waiting until I received a statement or letter from them which never arrived until recently. Now they are charging the wrong amount for non payment. I was owing {$700.00} and now they are charging me {$2000.00}. I do not owe this amount which would have me paying the debt all over again. Please look into this for me since I am not owing the amount they claim. I have no problem paying what I owe but I can not afford to pay the debt again from the beginning amount. They have already collected over {$3000.00} in interest from me XXXX was more than the debt. Thank you XXXX XXXX
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been a victim of identity theft in the past I have tried to open a account with XXXX XXXX numerous times I get approved get my card then all of a sudden I can't access it and it's closed therefore leaving anything that has been deposited never returned and the fees that I have accrued when I never had access to my account for no more then a week
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: I made an agreement with and individual to buy a XXXX XXXXXXXX XXXX XXXX XXXX We were to use a broker/shipping company to do the transaction. I sent {$13000.00} to the account given to me by the company ; XXXX XXXX, from my bank XXXX XXXX XXXX XXXX, to HSBC UK. XXXX XXXX was to arrange for shipping and when I received the car I would inspect it and then notify XXXX XXXX and HSBC that it was in acceptable condition and they could release the funds. The car was supposedly destroyed during shipping and XXXX XXXX said they would tell HSBC to refund the money to me. There were delays from them on the return of the money that they said was caused by multiple things but in the end there was no refund. I was in continuous contact with them and the seller but then after a couple of weeks there was no response. I tried to contact HSBC directly but they would not give me any information about the account and told me to have my bank contact them. I contacted my bank and they worked through XXXX XXXX ( the wire transfer company ) to get the refund back. Today, my bank said XXXX XXXX closed the case because HSBC already released the funds to the recipient ( without my permission ) and there was nothing else they could do. My bank ( XXXX ) says there is nothing more they can do since XXXX XXXX is the transfer company. I have been trying for over XXXX months to get my funds returned. The agent at XXXX XXXX was XXXX XXXX and the seller was XXXX XXXX and the bank was HSBC UK.
Company Response:
State: FL
Zip: 32563
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/XXXX I sent a transfer from my bank XXXX, XXXX, to HSBC HONG KONG, using HSBC US as intermediary bank for the ammount of XXXX and the money never reached the benifeciary. Swift Messages were sent by XXXX on XX/XX/XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX XXXX received a message from HSBC requesting remmitance information and it was sent by XXXX the same day. After getting no answer I got in touch with HSBC US to find out why the money has not ben deposit into the beneficiary account and they say that I had to get in touch with HSBC XXXX XXXX. I called HSBC XXXX XXXX and they claim they don't have any infomation about this transfer, the beneficiary has also called HSBC XXXX XXXX many times and there is no reply. XXXX has sent over 10 messages requesting confirmation without getting anything, and yesterday I asked for a reimburment and there's no reply form HSBC US and the money has not been sent back. Today I was on the line with HSBC US for over 2 hours and they didn't have any answer and advise again that I get in touch with XXXX and with HSBC XXXX XXXX at the end the money is not back into my account and has not been deposit to my beneficiary and it's been a month since the money was debited from my account. I need HSBC to send the payment back ASAP
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I asked the credit bureaus for a accurate credit report and I did a thorough investigation myself and I still had false. dates, addresses and personal information about myself. I would like for these items to be removed due to my unauthorized decisions. XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX Unverified Account XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Account
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A