Date Received: 2017-02-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: HSBC mortgage services did not report my on time payments from XX/XX/XXXX through XX/XX/XXXX.
Company Response:
State: MI
Zip: 491XX
Submitted Via: Web
Date Sent: 2017-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-17
Issue: Billing disputes
Subissue:
Consumer Complaint: I 've recently contacted the merchant in regards to the travel voucher that I 've purchased in XX/XX/2015 via my Credit Card. I was informed that the purchase was charged back and the voucher is invalid, the merchant advised me to contact my bank to clarify the situation. I 've contacted my bank for further information, I recall initiating a dispute it was never completed as I never received the credit back so I thought that the travel voucher remained valid since then. I 've been contacting back and forth between the merchant and my bank since then trying to resolve the issue. Finally, the merchant provided a document that is to approve the charge back. I 've forwarded it to my bank hoping that they will provide me a resolution ; however, they continuously advising me the information that I already know. 1. The credit did n't credit to the account 2 years ago 2. this charge back pass the time range to initiate the dispute as it 's 2 years ago I 've been trying to contact my bank further for the explanation on why my bank did n't complete the dispute when the merchant already authorized / approve the charge back. The merchant had already expressed that they ca n't assist me any further after providing me the related document and advised me that the money is no longer in their account. I do n't know what else I can do in order to resolve the issue anymore as my bank only advises me that the credit never arrived to my account ( which i knew by basically reading the statement ) and the transaction was long time ago ( which i knew as well so that I raised the dispute 2 years ago ) yet my bank never advised me of the rationale of the incompletion of the dispute i raised 2 years while the merchant agreed to charge back. Now I have paid XXXX USD and I do n't get to have my vacation ; neither my bank nor the merchant was able to assist me further
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: HSBC I 've received your XXXX/XXXX/17 response and there has been no reply to the complaint..Please address a letter from HSBC to XXXX with authorization to be signed and dated, to have this account researched. The fact that I 'm not a signer on the account is not my fault, therefore does n't justify you ignoring the the complaint.Please provide the document you are requested or my Attorney will.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2017-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-16
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX XXXX XXXX XXXX HSBC Bank USA has information on my credit report. They claim that I had an account with XXXX and purchased items in XXXX2012 in the amount of {$220.00}. I have never had an account with XXXX, I do n't even shop there. In the past when I asked them to produce documents with my signature for purchase affixed, they were not able to. I should not be charged for something I did not sign for. This is fraud or a serious mistake! Please help me clear my name and restore my credit.
Company Response:
State: MI
Zip: 48204
Submitted Via: Web
Date Sent: 2017-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-16
Issue: Billing disputes
Subissue:
Consumer Complaint: i have tried calling emailing no response. i want to know why i was charged XXXX cents interest aand a payment was returned on card ending XXXX. i am not paying interest. i am not arguign about its validity just questioning why i paid it in full. cusotmer here 30 years and still get scripts. bottom line calling in you cant understand the person from XXXX and i dont have time to waste. i was told " its only XXXX cents '' well why? i know you will not refund interest and i cant use the card as a result since if i could pay in full i would. and loyalty means after 30 years it could be refunded. since not i cant use the card need no card agreement tell me why payment was returned. again i called and emailed no response. When you can be loyal to me i can then use the card until then i stick with banks that are loyal and dont care about interest because they know they make more when i use the card and lose more on bad customers. also no need to remind me how much has been credited. without credits for interest i cant use the card no more how valid it is. plerase dont retalaite. i am so sad how i am treated here. all the scripts all the lack of XXXX and all the problems
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2017-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-14
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: I received a voice message from an unidentified caller from an unknown phone number regarding potential legal action. I was going to ignore the message until my father notified me that he too was called on his mobile phone regarding this potential action. I called the phone number left in the voicemail and identified myself by the case number given along with verifying my name and address. I was informed that this was an attempt to collect a debt for an XXXXOrchard Bank Mastercard ending in XXXX. Not immediately being familiar with the account, I asked to be provided with a statement or additional documentation. The representative claimed that I was sent a notice 45 days ago and asked why I did n't respond .... I never received any correspondence regarding this alleged debt. When I again pressed for written documentation, I was told that I could only receive it during a court proceeding, so would I like to be served? I said sure and she said " see you in court '' before hanging up. After the call I found information on the account - a welcome email from Orchard Bank and a Closed Satisfactory Account on my XXXX credit report. Not only was this account properly closed, but it was in XXXX. Orchard Bank ceased to exist in XX/XX/XXXX when Capital One purchased their accounts. Under the California XXXX XXXX Title XXXX - Fair Debt Buying Practices, this debt would be time-barred since it is well past the four ( 4 ) years of statute of limitations : XXXX ( d ) ( XXXX ) A debt buyer shall include with its first written communication with the debtor in no smaller than XXXX type, a separate prominent notice that provides : " You may request records showing the following : ( XXXX ) that [ insert name of debt buyer ] has the right to seek collection of the debt ; ( XXXX ) the debt balance, including an explanation of any interest charges and additional fees ; XXXX XXXX ) the date of default or the date of the last payment ; XXXX XXXX ) the name of the charge-off creditor and the account number associated with the debt ; XXXX XXXX ) the name and last known address of the debtor as it appeared in the charge-off creditor 's or debt buyer 's records prior to the sale of the debt, as appropriate ; and XXXX XXXX ) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt. " A request for these records may be addressed to : [ insert debt buyer 's active mailing address and email address, if applicable ]. '' ( XXXX ) When collecting on a time-barred debt where the debt is not past the date for obsolescence provided for in XXXX XXXX XXXX a ) of the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. XXXX ) : " The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, [ insert name of debt buyer ] may [ continue to ] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. '' ( XXXX ) When collecting on a time-barred debt where the debt is past the date for obsolescence provided for in XXXX XXXX XXXX a ) of the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681c ) : " The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency. ''
Company Response:
State: CA
Zip: 90712
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-11
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: On or around XX/XX/XXXX, I open a checking account at HSBC Bank USA, XXXX. I opened this account online because there is not a HSBC local branch in the area where I live. I am writing CFPB because HSBC did not follow through with the offer they promised. HSBC promised to deposit a promotional bonus of {$350.00} into my account once certain conditions were met. There were XXXX options ; I chose to make 2 bill payments for three consecutive months to qualify for the offer. Twice in XX/XX/XXXX, I called HSBC to find out when I would receive the promotion. XXXX supervisors on two different occasions told me that I had met the conditions of the promotional and the funds would go into my account by XX/XX/XXXX. When XX/XX/XXXX past, the funds were not in my account, I called HSBC to find out why. I was told that since I had a credit card with them, I did not qualify for the promotion. HSBC never mentioned anything in the promotional material about having a credit card with them to qualify for the promotional bonus. They indicated that one could not have had a checking account with them within the past year ( they tried to use this excuse at first to deny my bonus ). I told HSBC employee that this was not true. HSBC never would have opened my account if I had an account with them within the past year. I am requesting that CFPB look into this matter. HSBC has reneged on its promise. This is an unethical act on the behalf of HSBC.
Company Response:
State: TX
Zip: 77088
Submitted Via: Web
Date Sent: 2017-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-11
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I thought that I had an online banking account in XXXX XXXX but unfortunately, bad people used the name of HSBC and all money was stolen.On XX/XX/2017, a called from HSBC XXXX confirmed that I am a victim of a blow. Sorry, I can not spell her name, it is a greek name, but it is the phone number:XXXX. She explained me that HSBC does not work with this kind of account number even that, it is an online banking account. This website and Account number do not belong to the true HSBC bank, and XXXX XXXX XXXX is not a Manager employee in HSBC XXXX as she told me. XXXX Account number XXXX In XXXX, we have a limit in sending money abroad, for this reason, to send all fees required, it was sent in my name, my sister and mother name and XXXX friends too. The total is XXXX dollars. For that, we asked loans from banks and financials. I have all receipts. XXXX XXXX XXXX sent me her ID, the address of the HSBC branch : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I checked all resources available like XXXX and Social Media and all of them were ok. The laid who called me told me that HSBC can not do something for me. It is not true. IF HSBC HAS ANSWERED MY EMAILS SINCE THE BEGIN, IT COULD BE AVOIDED. Since I started to feel that something was wrong, I started send emails to other employees from other branches in XXXX XXXX but NEVER, I am repeating NEVER no one answers me back. In the last weeks, HSBC XXXX XXXX answered me back due to the high number of people who I contacted by XXXX and XXXX. Unfortunately, It took 6 months. Six months without answers and no consideration for me.I want to be clear that is not my intention in prejudice HSBC employees in XXXX or anywhere in this world. I read the newspaper and watch TV and the economic situation in the world is not so simple. However, this blow could be avoided if since the begin someone has given attention and answered my emails. Can you understand my deeply disappointed with HSBC XXXX? I had an online account but I have never accessed it. XXXX XXXX XXXX and XXXX XXXX XXXX, my supposed managers, always asked for fees and more fees and she always said that after paying that, it would be the last fee and it never happened. The Last fee was XXXX XXXX, I did not pay it. What let me deeply down and disappointed with HSBC XXXX is this total disregard to me. This blow could be avoided but it wasnt due to total negligence from employees of XXXX XXXX have never got answers back and due to it, I am a victim of blow using the name of HSBC. I would like to avoid to expose HSBC in XXXX XXXX or something else. After such scandal, How many people would not do business with HSBC? How many customers would close their account and investments would be transferred to another bank due to such disregard to me? Believe me, for others banks, such scandal is a gift but just HSBC can avoid it I do not want prejudice someone but I will not just forget XXXX dollars which were sent to pay fees and charges to HSBC, plus others expenses. I am repeating again, All of it could be avoided if since the begin my emails were answered but it didnt happen and now the consequences. I am trying to settle it in a friendly way but it will depend now on HSBC. I will not give up about this money and I believe that HSBC will be reasonable enough to send me an extra compensation for this last six months without answers back ( soon XX/XX/XXXX it will be a year ) .Even now, I have asked them to answer me back, no one has answered me yet. I can send you all emails that I have been imploring for attention and solution. As I said to you before, I do not want to prejudice HSBC image and or business. I just want what belongs to me. HSBC XXXX XXXX was negligent. They can not treat people like that.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: submission, [ Case number : XXXX ] I received a response from the HSBC, it was inadequate, they were sued and I was a victim of HSBC failures. they want to hand this issue off to another servicer, as if I was n't serviced by HSBC, repair their image. I asked for a VA loan, HSBC promised me a principle reduction, my loan is in a modification. I did n't see any paper work in the terms of the modification, which I understood my rate would not change they lied, I did n't see anything about a principle reduction they transferred my loan. please forward my case to the legal department the was recently awarded a settlement HSBC. My case should be awarded like the many of their customers that were caught up with the Mortgage practices of HSBC. please forward my case. I was also kept from doing HARP, by HSBC. I am experiencing a hardship due to HSBC practices.
Company Response:
State: AZ
Zip: 85202
Submitted Via: Web
Date Sent: 2017-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-09
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I closed my bank account at HSBC & was told on the phone & sent a letter saying it was closed with a balance of zero. I noticed a late charge from them on my credit report & called. They said they would fix the issue since it was their fault for including a sneaky {$10.00} charge on the account after I closed that then turned into a bigger XXXX from late payments. I never received a letter or call saying that I owed them & I could n't check the status of my account online since it was closed. They did n't resolve the issue & it was then 60 days late. I called again & was assured they would fix it & then it turned into a 90 day late payment. They finally resolved it but never would take that mark off my credit score. I filed a dispute with them through XXXX XXXX multiple times but the late payments remain on there.
Company Response:
State: CA
Zip: 94123
Submitted Via: Web
Date Sent: 2017-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No