Date Received: 2022-12-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am addressing to you this email after many trials I did to resolve this issue with HSBC Bank. I communicated with them through all channels : by emails, I reached the client service by chat several times ( XXXX ), I called them also by phone.I asked recently to talk to a supervisor. The agent notified that the supervisor will call you back ( XX/XX/XXXX- the day after of my call ) at XXXX XXXX, but unfortunately this didnt happen. I am not able to use my money from the US HSBC Account. I tried the wired transfer, it didnt work also I tried the global transfer I am getting the same error since more 2 weeks ago ( e.g., there will be 2 working days before you can perform your transfer ) and the same error is always there till the time i am writing this complaint I reached also the financial advisors assigned to my profile and who worked to create these accounts, unfortunately no feedback and no support. Please note I am paying interests on late debts as well as lost many investment opportunities because I am not able to use my own money under the HSBC US accounts. I need to investigate this issue, and all parties that are responsible of all this late and unprofessional services must be accountatble and the bank have to recompensate me in times, efforts and money i spent to resolve my problem over all their communication channels.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I kept receiving calls from XXXX XXXX Stating I owe them for a credit card that was removed from my credit report. They stated that I still owe {$3000.00} and some to them. In requested for the original paperwork from HSBC and they told me I had To contact HSBC directly to get original paperwork that was signed off to XXXX XXXX. I then told them that I was looking to buy a car in the next year and they suggested that they arent saying it will be reported to my credit report but without a payment plan set they cant guarantee they wont report it.
Company Response:
State: AZ
Zip: 85029
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XX/XX/2022 my account was inaccessible when I attempted to use my debit card. In looking at my mobile app it said my account was suspended. I never received a letter, an email or a phone call stating why this occurred. I called in and was told my account was under investigation for a check I deposited on a closed account. This was a check for a class action suit .. how was I to know it was closed. It was a check for less than XXXX. This consideration to close my account went on for XXXX MONTHS!! During that time I had no access to my funds, my direct deposits and could not pay my rent or bills. I CALLED HSBC OVER XXXX times and never once received anything in writing or my funds until I filed with the FDIC. I LOST EVERYTHING IN THOSE XXXX mos!!
Company Response:
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: HSBC failed to honor the {$600.00} sign up bonus for the checking account I opened, even though I have doing monthly {$5000.00} direct deposit as the requirement for receiving the sign up bonus. I have contacted HSBC previously but no one is following up with me and my issue never resolved.
Company Response:
State: WA
Zip: 98008
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Many years ago, XXXX, I had an account at the XXXX XXXX XXXX in XXXX, New York, which has been dormant since that time. That Bank no longer exists and I have no idea who took them over, how much was left in that account, or where those funds are now. Can you help me recover those funds?
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I contacted HSBC concerning payments not being applied to my account. The three payments were {$10000.00} paid XX/XX/XXXX, {$710.00} paid XX/XX/XXXX, and {$710.00} paid XX/XX/XXXX. All three payments were received by HSBC and I have an attachment to prove that they received the payments but did not apply them to my account. Each payments has a label suspense / unapplied. I spoke to a HSBC Supervisor and asked could she explain why my payments were not applied to my account. I informed the HSBC Supervisor why and where this money is being held and if she or someone else could explain. I informed the HSBC Supervisor that I sent a letter to the research dept and have not gotten a response. I asked her to get someone else to explain where my money is located and why it is not applied to my account. I informed the HSBC Representative that I was given a deferment in XXXX XXXX and it is not listed on the paperwork and the previous representative from HSBC asked me if I could prove that I made the {$10000.00} payments and the other two payments. I informed the HSBC Rep. that is the reason I paid you with a papercheck and sent it by certified mail. I wanted to find out why you were reporting to the credit bureau that I was two payments behind and owe {$55000.00}. I informed the HSBC Representative that when we started out the principal balance was a total of XXXX. The {$29000.00} amount included lawyers fees, insurance, and taxes that you paid. I wanted to find out why and how the amount get {$55000.00} and two payments behind. I called today XX/XX/XXXX and spoke to customer service and she gave me three balances : Principal balance XXXX Deferment balance XXXX, Escrow balance negative XXXX, and Corporate advances of XXXX. The total of everything added together is {$38000.00}. Im trying to find out how and why is the figure higher than what we started and where is my three payments that are in suspense.
Company Response:
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have had this savings account for almost 2 years. On the XXXX I linked an external bank account to my checking account at XXXX ( a XXXX Bank that is either part of or uses XXXXXXXX XXXX for its services ) and then 2 days later verified 2 trail deposits that HSBC made to my XXXX bank and the linked bank was activated and then I transferred-in funds from XXXX into my HSBC account on the XXXX. The following day I received an email from HSBC efraudprevention department with Reference Number : - XXXX - they also disabled my online access to my savings account so I could not login. I called them and they verified some information and after several minutes of hold then transferred me again to some other call center possibly in XXXX ( because of the terminology used by the agent ) and was connected to " XXXX '' - he said I was on a recorded line ( would be nice if HSBC can get the recording and hear the recording so I don't have to type the details ). He verified my information again by sending a code to my phone but the texting doesn't work and he called and sent phone by voice and then called back to ask the code and after verifying it and my information asked me for the bank name and I when I told him the amount and the bank name - he seemed confused ( obviously ) because of XXXX combination and I explained him that XXXX is XXXX XXXX company and they use another bank for their services, I provided him the amount of the transaction and he asked if I was the owner of the account, then he asked me for my account number at XXXX but I declined to provide the full account number and he said I could provide the last 4 digits, which I did. Then he said he was not getting some verification from XXXX and I told him he could just cancel that transaction but he told me that if he cancelled the transaction my funds will be on hold for 60 days at their " Partner Services? '' and when I asked him what " partner service '' is and where exactly are my funds now and if they will be at HSBC or not he said they are at the " XXXX? '' When I asked him what that means and I don't understand where my funds are ( whether they are at HSBC or not ) and he was repeating the same info and that he needs to verify but is not getting verification. I asked him how long that will take and he provided some vague info like " if it was a debit transaction we could cancel it but since it is a credit transaction they have to verify it and it could take 3 days '' and I said fine I can wait for 3 days but then he said he was not getting verification from the bank- I also could not understand what he was trying to say at this point. Secondly, I could not understand how the funds will be on hold if the transaction were to be canceled and I asked him where the funds are/will be on hold ( whether at HSBC or XXXX ) and he seemed agitated and told " that is what he was telling me '' and kept repeating the same info " if it is debit it could take 3 days ... etc., '' and if he canceled the transaction it would take 60 days and that I should call XXXX and ask them to cancel the transaction. I told him that it is not possible to cancel an income ACH ( no bank does that in the XXXX, he should know this ) and the bankXXXX not only will be able to cancel it ( I told this to him twice ) but they will not likely entertain me because I am withdrawing funds from their account - add to it that XXXX only provides support by chat. Then he said he could call XXXX and I told him that they don't seem to provide phone support and only by chat but he said he has their phone number XXXX and he tried to call them but they did not answer and he said may be they closed because it was XXXX XXXX XXXX and that I can call back tomorrow at XXXX. Since I was not getting anywhere I asked if I could speak with a supervisor and he said the supervisor would tell me the same thing. In the meantime I logged in to my XXXX account and noticed that funds had already been transferred out and I told him that. I said ok, and I asked him for name and ID or any other number and said his name is " XXXX '' ( I hope is the only XXXX there and that does not help by just giving the first name ) and there was no ID - well, that helps a lot. NOTE : If HSBC wants to verify that I am the account holder by calling XXXX, they can do so by themselves and release funds but I can not call their ( XXXX ) number on the website there is no option to speak to a live customer service and only via chat - if HSBC wants to call them while I am on the phone with HSBC then they need to get proper contact number for XXXX and their hours or whom/to talk to and then call me or email me and let me know so they can properly connect with a rep at XXXX while I am on the line and not waste my time further ( I already wasted almost 5 hours on this issue, obviously each time I call the automated system will ask for my debit pin for the account that I don't have a debit card, and when connected to an agent, I have to explain everything, and go through multiple verification steps, etc., ).
Company Response:
State: CO
Zip: 80214
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 I entered into a purchase agreement with an individual who contracted with XXXX XXXX limited for the sale of a vehicle. I was advised to register at the company 's website, I was contacted via email by XXXX 's agent and was supplied all documents related to the transaction. Per the company 's directions, I wired funds on XX/XX/2022. Upon receipt of my funds, the XXXX agent stated they supplied me the wrong account number as the one supplied was for domestic transfers within the XXXX XXXX. The stated they would return the funds accordingly. I advised them to send me the vehicle or return my funds. It has been over XXXX days since they stated my funds would be returned. They will not respond to inquiry at the email address of XXXX and their website no longer interacts/brings up my transaction.
Company Response:
State: MI
Zip: 48178
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX is selling property she owns in XXXX, Virginia. A judgment entered on XX/XX/XXXX in the sum of {$1500.00} against XXXX XXXX, in favor of XXXX XXXX XXXX, I XXXX, XXXX HSBC XXXX XXXX XXXX XXXX showed up on a title search. We have both been trying for about XXXX weeks to secure a pay off letter to pay off this judgment but have never received a pay off letter. XXXX XXXX and I have spoken to representatives at HSBC over XXXX times and sometimes they say they will fax the pay off letter and sometimes they tell her it is in a research department. We have also tried to secure a pay off letter from XXXX XXXX XXXX as well. It has been well over a month and we have not been able to secure a pay off letter to pay off this judgment. We are seeking a pay off letter good thru XX/XX/XXXX. I am sending you a copy of the judgment and client authorization. The judgment, authorization and request for pay off has been faxed to HSBC as well numerous calls have been made, all in an effort to secure a pay off letter. thank you, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have an account with Hsbc and they without notifying me I guess decided to lock me out of my account my wife XXXX the joint owner has access still to her online portal and she tried to transfer the {$3800.00} in funds that we still have in the account Over to another account that we verified using the Hsbc website with two deposits which they did deposit into the second bank account which would be chime and then they withdrew it. This all happened very quickly. And then we initiated a bank to bank transfer to withdrawal our funds because they told us they were closing our account because I mistakenly deposited an old check and it did not clear I did it completely on accident and this is the first time anything like this is ever happened since opening the account, but they are refusing to give me my money in any way other than a cashiers check and they say that it could take 60 days but XXXX XXXX XXXX XXXX XXXX and at first somebody told me I could go to a branch which is XXXX XXXX XXXX away or I will wait to 60 days in the person. I just got off the phone with now tells me I have to wait to 60 days and theyre not gon na allow me to transfer my phones out and I believe this is unfair practice and I hope that you guys could help me to resolve this issue. All I wan na do is remove my funds. They can close my account, and I will be happy to no longer do business with them ever again I learned my lesson..
Company Response:
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A