Date Received: 2023-11-30
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: HSBC XXXX XXXX XXXX XXXX XXXX XXXX ext. XXXX/ HSBC XXXX XXXX stated that a check for the amount of {$3000.00} was sent out XXXX XXXX. I XXXX XXXX informed HSBC XXXX XXXX that I did not receive the check. HSBC XXXX stated that she would reissue the check. I XXXX XXXX called XX/XX/XXXX and spoke to XXXX and asked her whether or not HSBC reissued the check. HSBC XXXX XXXX stated that she was out and she would contact me XXXX XX/XX/XXXX. I called HSBC XXXX XXXX and she stated that she was in a meeting and she would return my call later on today. I did not get a phone call from HSBC XXXX XXXX concerning the check for the amount of {$3000.00}. I'm waiting for a representative to call concerning the issue. I XXXX XXXX called and have requested a payment history for XX/XX/XXXX - XX/XX/XXXX. I XXXX XXXX have requested statements for year XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. A HSBC Rep created a workorder and the information should be sent to Fax Number XXXX. The HSBC Rep stated that the information should be available within two days
Company Response:
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am filing a complaint against HSBC Bank USA for gross mishandling of my finances, a lack of transparency, and a failure to locate my funds. I had over XXXX XXXX XXXX dollars saved in different HSBC accounts. Issues began when a new person assigned to me as financial advisor/FA, noted that I had several open accounts and, in an effort to simplify my money, the Financial Advisor stated that she would merge my funds into one account. I agreed because the FA promised that this would make managing my funds easier. Following this, I noticed that the funds in the account did not reflect the total amount of money she had prior to the merging of accounts, by a dramatic margin. As such, I requested clarification from the FA in order to locate the funds. The FA has refused to clarify where my funds are. At times, the FA has refused to speak with me altogether. Separately, when I expressed my disagreement with investing my money, the FA pressured me into doing so, claiming that it would help grow my money. To date, I do not know where those funds are. I have tried to seek assistance from other HSBC staff but unable to get far as the financial advisor interferes with my attempts to receive clarity. HSBC claims that I do not have an open account with them and can not locate any of my previous accounts. However, I have documentation/bank statements proving her several accounts with HSBC and the balance amounts. I am requesting an investigation into HSBCs handling of her funds and assistance recovering my lost funds which total over $ XXXX.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I made a transfer of XXXX XXXX XXXXXXXX the XX/XX/23 to an account of Wise in the XXXX using my premier account of HSBC. After ten days that the recipient did not receive the money and his bank confirmed him that the money was sent back to HSBC because they changed the account details I contacted my bank. I have already contacted them several times and they said they are investigating the issue but do not give me the money back nor does the recipient receive it. I asked the bank to give me back the money or send it to the recipient and close my account but they refused to do it.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: On XX/XX/2023 I paid off my mortgage XXXX # XXXX and never recieved my escrow deposit until XX/XX/2023 due to the fact that they mailed it to my old address where the property was sold. The check they send expired and was 90 days old. I tried to deposit the check but it was returned. On or about XX/XX/2023 I requested a new check and was told that a new check would be reissued to my current address On XX/XX/XXXX I was told no check was issued but they would process a new check which would take 30-90 days to process. XXXX in HSBC servicing department claimed that a new check was never sent but would request a new check which would take 30-90 days to issue. HSBC had 12 security questions and since I got one question wrong refused to service my request until my wife called and got all 12 security questions correct which were different than my questions. Getting HSBC to respond is difficult enough but they have not returned my funds to me and its been now 6 months since I paid off their loan.
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: This is for the HSBC XXXX XXXX Credit card ( website : https : //www.us.hsbc.com/credit-cards/products/elite/ ). One of the card 's benefits is : " {$400.00} in Travel Credits. Up to {$400.00} per year for all airfare, hotels and car rentals booked through HSBC Travel. '' The way it supposed to work is for every {$2000.00} in airfare you spend through the HSBC travel website, you get a {$100.00} credit, max {$400.00} a year. Well, this year I have spent over {$2000.00} and have not received the {$100.00} credit. It looks like a IT issue on HSBC side as one of the bookings is not reflecting on their website. I got email confirmation from HSBC for the flight and they can check my card statement, but no one is willing to help. I rang twice, they passed me to the Rewards department, and after waiting with the music they hang on me. Then I spoke to an agent about this and raise a complain but no one has come back to me. I feel it's a scam and they don't have any customer service.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My son received a call from a company, XXXX XXXX XXXX ( phone XXXX ) on XX/XX/XXXX - a lady named XXXX XXXX claimed she had been trying to reach me in regards a civil suit in which my bank accounts would be frozen by XX/XX/XXXX if I didn't respond immediately. The case number referenced was XXXX. I called back and was transferred to a XXXX who informed me that it was for an HSBCXXXX XXXX XXXX debt I owed in XXXX in the amount of {$20000.00}. I informed her I didn't owe any credit card debt or owned an HSBC account in XXXX. I did have a citi bank credit card at that time but it was paid off. The lady had details of my texas drivers license number and an old address- she claimed numerous letters were sent to my old address and they have decided to place a lien on my accounts by XX/XX/XXXX. I told her I was unaware of this debt and besides there was no delinquent information on my credit in which she stated it was no longer reported with the credit bureaus. She then proceeds to act empathetically towards my confusion and says she will request her boss to 'reinstate ' my debt to avoid the lien on my accounts. She asks what I am willing to pay ( because the debt was in my name and I was still liable for it ). I negotiated ( for a debt I didn't owe ). She said I would be receiving a document that I needed to XXXX and then make a one-time payment over the phone. That is when I decided to stop the discussions because I wasn't going to make any payments without receiving proof of debt, and I certainly was not going to give a stranger my card details over the phone. I am reporting this because I do not owe any credit card debt from HSBC but also most concerned that she had my details.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: After my last complaint in CFPB, HSBC replied to me that my account access was restored on XX/XX/XXXX after the review was completed, but I logged on and my account still was suspended, I want to know what's the reason for that
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received a call from HSBC Bank XXXX on XX/XX/XXXX stating that they have papers to serve me for a credit card that was issued in my name. I asked for more information, and they said the card was issued to me in XXXX by XXXX XXXX and the account was closed in XXXX. The account was sold to XXXX in XXXX. Well now in XXXX, they are Sueing me for {$5000.00}. I responded that I definitely know that this was not me because I have never had a credit card with a limit over {$500.00} dollars. But apparently with late fees, the highest interest rate possible and other fees that they made up. They are now trying to sue me for {$5000.00} dollars. They are also saying that the statute of limitations holds no precedence against this case. I have never received anything in the US mail about this, so that I could have the opportunity to dispute this claim. But when they called, they knew all of my personal information including my home address. I feel like they are doing this because I know longer live in the state of California and that HSBC bank is an online bank located overseas.
Company Response:
State: LA
Zip: 71270
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: HSBC DON'T WANT TO TALK TO ME, BUT THEY SENT A LETTER TELLING ME TO GET IN CONTACT WITH THEM, BUT I'M NOT GETTING NO RESULTS, I NEED CFPB TO STEP IN ... BECAUSE IM STRUGGLING, I PROVE TO THEM ABOUT THE IDENTITY THEFT AN THE DATA BREACH, I SENT ALL THE INFORMATION, THAT'S WHY THEY GAVE XXXX BECAUSE THEY KNOW IT WAS FRAUD ON MY ACCOUNTS, ALL OF THEM ... WHY GIVE ME XXXX IF THEY SAYING THERE WAS NO FRAUD, Y GIVE.ME ANYTHING, IT STARTED IN XXXX WHEN I OPENED THE ACCOUNTS, I REPORTED TO A LADY NAME XXXX THAT OPEN MY ACCOUNTS FOR ME, AN SHE ISSUED ME NEW ATM CARDS INSTEAD OF BANK CARDS, THAT'S WHEN THEY WERE LOCATED IN XXXX ON XXXX XXXX ... XXXX THEY MOVED IN XXXX I BELIEVE SOMEWHERE FURTHER ... .AN I COULDN'T GET THERE, HSBC NEED TO HONOR THE FACT, THAT THEY'RE WAS FRAUD AN THAT I NEED MY MONEY, I HAVE A XXXX SON AN A XXXX SISTER I TAKE OF, BUT HOW CAN I IF THEY ARE REFUSING TO GIVE ME MY MONEY BACK, THAT'S MY LIFE SAVINGS MY DAD GAVE ME, THAT'S ALL I HAD, THIS WAS TAKEN PLACE DURING THE PANDEMIC WHEN SCAMMING AN FRAUD WAS AT XXXX PERCENT, ALL THE BANKS KNOW THAT, IT WAS ON THE NEWS, FRAUD WAS EVERYWHERE, I LOST MY PROPERTY WITH ALL MY CREDIT CARDS, BANK CARDS, ATM CARDS, MY I.D . " s, WITH MY PIN NUMBERS, BECAUSE I WAS ISSUED SO MANY DIFFERENT CARDS, DUE TO THE FRAUD THEY WERE SEEING NOW THEY REFUSING TO RETURN MY MONEY, I WAS WITH THEM FOR A WHILE, A LOYAL CUSTOMER, HSBC DOCUMENTED ON BLACK AND WHITE ON THEIR LETTER HEAD, STATING FRAUDULENT ACTIVITY, BUT I HAVE NOTHING, XXXX, AN XXXX REFUNDED MY ACCOUNT, AN HSBC GOT TA REFUND MY ACCOUNT AS WELL OR SEND ME A CHECK FOR THE REST OF MY MONEY, I HAVE NOTHING DUE TO ALL THIS MISFORTUNE THAT'S HAPPENING TO ME, I CONTACTED THEM OVER XXXX TIMES, HSBC HAVE NUMEROUS RECORDED CONVERSATIONS OF ME CALLING THEM ABOUT THIS MATTER, AN I GOT ONLY XXXX BACK HOW IS THAT, IT WAS MUCH MORE, THEY'RE VIOLATING MY CONSTITUTIONAL AN CONSUMER RIGHTS, IM NOT THE ONLY 1 FOR SURE, AN I'M SO MAD THIS HAPPENED TO ME, BUT I PROVED IT WAS HAPPENING AN HSBC WAS SUPPOSED TO HONOR THAT AFTER THEY WROTE MY DOCUMENTED BANK LETTER HEAD PAPERWORK TELLING ME IT WAS FRAUDULENT, THEN TELLS ME ITS NOT BECAUSE MY PIN NUMBER WAS BEING USED, OF COURSE IT WAS IF MY PROPERTY WAS STOLEN AN ALL THAT INFORMATION WAS IN THERE, ON THE CARDS BECAUSE I HAVE SO MANY I COULDN'T REMEMBER ALL MY PIN NUMBER, S SO I HAD TO DO THAT SO I COULDN'T GET CONFUSED AN ALL THAT WAS STOLEN AN I REPORTED IT ... ..THIS STARTED IN XXXX UNTIL THE PRESENT AN BANK STATEMENTS PROVE THAT AS WELL, IT WAS PURCHASES FROM CLOTHING STORES, JEWELRY STORE, ONLINE ACCOUNTS IN MY NAME, I HAD TO GET A CONSUMER LAWYER, THIS IS OVERWHELMING TO ME, THIS NEVER HAPPENED TO ME NEVER, AN AT THIS MAGNITUDE, I CAN'T BUY FOOD, CLOTHES, I CAN BARELY PAY MY RENT, I'M NOT MAKING ENOUGH MONEY AT WORK, BECAUSE I WORK PART TIME, AN ITS NOT ENOUGH TO GET BY, HSBC NEED TO HONOR THEIR ORIGINAL INVESTIGATION AN THEIR PAPERWORK SAYS EXACTLY THAT, IM NOT CALLING THEM NO MORE BECAUSE THEY ARE LIARS, I GOT TAKE THIS TO THE COURTS, BECAUSE IM NOT GON NA STOP UNTIL I Get MY MONEY BACK THAT'S ALL I HAVE TO LIVE OFF TO MY NAME AN IT'S GONE, IF THEY COULD RETURN XXXX WHY NOT THE REST, ITS MY MONEY, NOT THEIR MONEY ... ..THIS IS NOT FAIR TO ME AT ALL ... WHAT AM I SUPPOSE TO DO NOW!! THIS IS OVERWHELMING, AN STRESSFUL, AN TIRING, AN EXHAUSTING, AN I NOT GOING TO CALL THEM ANYMORE, I GOT GET A CONSUMER LAWYER OR SOMETHING!! I DON'T KNOW WHAT ELSE TO DO AT THIS POINT, ITS LIKE THESE BANKS GETTING Away WITH THIS TYPE OF BEHAVIOR SN JUST LEAVE THE CUSTOMER HANGING AN CLOSE PEOPLE ACCOUNTS WITHOUT THEIR CONSENT NOR KNOWLEDGE, THATS UNCONSTITUTIONAL, THERE'S A REASON FOR EVERYTHING, AN THEY DIDN'T EVEN GIVE ME A REASON They JUST CLOSED MY ACCOUNTS, AN STOP TALKING TO ME OVER THE PHONE, THIS IS AMERICA, IM AN AMERICAN CITIZEN, I BEEN LIVING IN AMERICA FOR XXXX YEAR 'S, I NEVER EXPERIENCED THIS FROM A BANK!!! I'M GOING TO TAKE THIS TO THE MEDIA, AN XXXX IF I DON'T GET THE PROPER RESULTS FROM HSBC, BECAUSE I NEED HELP WITH THIS, I'M IN DIRE STRAIT 'S!!!!!!!!
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XXXX XXXX XXXX : I received an email sent by an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, asked me to clarify some of the details listed on my original application, " if you have any affiliation with a XXXX XXXX ''. I responded " No '' because I don't know this person or any connection with that person On XX/XX/ : I received a further inquires from above XXXX, asked me my funding source, " please clarify in detail why would funds originate from the XXXX if you live and work in XXXX '' I responded that the money is from my other bank accounts with XXXX XXXX XXXX XXXX XXXX XXXX salary Wired from XXXX. On XXXX XXXX XXXX, I contacted HSBC XXXX XXXX XXXX XXXX via phone, the customer services told me they will call me back, but no callback or email response. On XXXX XXXX XXXX, I found all my accounts are closed.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A