Date Received: 2022-05-16
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I applied a XXXX Account at HSBC XXXX XXXX. I met all the criteria and waiting for a meeting call. I ended with a declined email from XXXX XXXX. I just want to open an XXXX XXXX account and transfer all the stock fund compounded since the year 2000.
Company Response:
State: GU
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, HSBC Bank Account # : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid {$800.00} on my credit card and the company has cashed the check but did not post to my account and keep hanging up on me or acting like they can't hear me. Have set up 2 appointments for them to call me and they say they called but they never have
Company Response:
State: KS
Zip: 67207
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: The account in question has been paid and the debt settled prior to the purchase of my first home in XXXX. Since then this company has continued to file fraudulently on my credit report every few years demanding payment of this settled debt. Every time I have disputed this debt and it has been removed from my credit report. Now I am being contacted by a third party on behalf on HSBC bank attempting to sue for this settled debt from 17 years ago in XXXX ( date of when the account was closed ).
Company Response:
State: CA
Zip: 93727
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Yesterday, a man attempted to contact me by calling my brother. I called this person.. He says that he is attempting to collect a debt. He said that he has sent mail to my home repeatedly regarding a debt I owe to HSBC bank from an account held 2009. I never received this mail. The man told me that if I don't pay him {$500.00} by the end of the business day toward a balance of about {$1500.00}, he would subpoena me at my job. He said that in the event that I do not pay, my debt would increase to about {$5000.00}, I would have a ding on my credit score, and I would receive a subpoena at my job this Monday. My court date he said will be XX/XX/XXXX. I have not received a summons or any mail from HSBC. I contacted my credit bureau and there hasn't been any sign off from HSBC.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was solicited by your company XXXX XXXX XXXX XXXX, operating under the web address XXXX XXXX, XXXX ( XXXX and XXXX ) ... to wire funds to a false and fictitious trading account. You are part of a global network of cybercrime known as the XXXX XXXX XXXX XXXX XXXX XXXX. I have accessed your Internetbased platform available under ( XXXX and XXXX ) ... You did not 2 provide a contract ; however, the terms and conditions contained on the site are intended to govern the relationship and responsibilities of the parties. Therefore, all information on the website is relevant for determination of the services and the rights and obligations of the parties. You claimed to be a financial services provider dealing with regulated financial products, such as CFDs, indices, binary options, commodities etc. In addition, the officers and employees of XXXX XXXX XXXX XXXX are presented as experienced brokers ( a designation that requires licensing ). Evidently, you are advertising and promoting yourself as a provider of financial services and are trying to influence third parties decisions to undertake financial commitments and to invest in the offered financial products. All these activities require you to possess the required licensing. The website of XXXX XXXX, XXXX contains clear statements that your team consists of professional brokers. Persons claiming to be properly licensed brokers apparently contacted third parties and communicated with them the possibility of making an investment, which is strictly prohibited by the law where there is a lack of the appropriate license. Only a licensed broker can contact persons with the intention of advising them how to invest their money. To be able to act as an investment intermediary, or broker, or similar i.e., in order to have the capacity to offer financial advice and to provide access to regulated financial products to third parties one has to be registered with the relevant supervisory authorities. It is the common rule that financial products such as CFDs, indices, binary options, stocks and commodities exist, are regulated, in most of the rest of the world, including in the United States ( where our client resides ) and in XXXX ( where your money services business is registered ). Our investigation in the case has shown also that there are warnings from Government Regulatory Authorities for operating and providing financial services without having the proper required licensing. You claimed to have the ability to trade regulated financial products. You provide a fictitious and malicious software which does not execute any trades and is not connected to any recognized exchanges. It is manipulated by your staff to exhibit your own desired figures. You have left a trail of victims who have fallen for this sophisticated and well-crafted scam and who have lost their entire life savings. Acting in good faith and in full reliance on the website information, our client was instructed in writing by your staff to wire funds to your firm, XXXX XXXX XXXX XXXX, to an account at HSBC, XXXX. Based upon the above facts, the following violations of law occurred : a ) You were trading regulated financial products without the required license ; and you employed persons that were providing financial services without required license. b ) Neglect of your duty to actively prevent fraud and to identify abnormal payment patterns. c ) Neglect by your firm of the legal provisions for measures against money laundering. d ) Theft/fraud.
Company Response:
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: 301XX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: HSBC Bank, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with XXXX and XXXX. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already. I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against HSBC Bank, XXXX XXXX XXXX. I previously disputed this erroneous and inaccurate information with XXXX and HSBC Bank, XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed. HSBC Bank, XXXX XXXX XXXX sold the charged-off account to XXXX XXXX XXXX XXXX Who notified me on XX/XX/2022 by letter attached as a Collections agency. Pursuant to FDCPA Section 809. Validation of debts ( 15 USC1692g ) requires validation of debt before reporting information on my credit file. I demanded validation of debt from XXXX XXXX XXXX XXXX XXXX When XXXX XXXX, XXXX failed to validate the debt, they informed me that the account was transferred back to HSBC Bank, XXXX XXXX XXXX.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: The company called me today, XX/XX/2022 stating that they have filed a judgement for a debt that was unknown to me at the time of the call. They told me that I would receive a certified letter in the mail. When I called them back to get more information the person I spoke to mentioned a debt that I settled over 15 years ago. He told me that they sent me a letter last week, which I did not receive. To prove his point, he repeated my social security number over and over to me. I asked him to stop and to give me a contact email, fax number, or address to send my settlement letter to. He again repeated my social security number and then hung up without giving me further information. This company then proceeded to call my immediate family requesting to confirm my mailing address for the certified letter they will send me.
Company Response:
State: MI
Zip: 48867
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: At XXXX, I received a phone voicemail from my XXXX XXXX to call back. " Please do not disregard this message... I'm calling to verify a current address as were as a place of business address to proceed against you at this time. You are forfeiting your right to take care of this matter. We will contact your human resource department to follow proper protocol and procedure to move forward with the next steps. Again, the client is willing to rectify this matter they hear from you today, their number is XXXX and reference your client number XXXX XXXX and ( XXXX ) this my final attempt. You've been officially notified '' At XXXX on XX/XX/XXXX, I received a phone message from XXXX from XXXX XXXX XXXX immediate contact about an outstanding balance with HSBC XXXX XXXX XXXX. I called the number and spoke with XXXX XXXX from XXXX. XXXX and he stated that I had an outstanding balance of {$1500.00}, with the option of litigation and collections of garnishment of wages. He provided me with only XXXX option, pay {$1000.00} within the end of the day or receive garnishment litigation. I informed him that I didn't have any money to make any payment until XX/XX/XXXX, but he didn't want to accept and instead informed me that litigation will proceed. I then contacted HSBC, or which I never had any account, and confirmed that my personal information was not in their databases. No social security number, no phone number reference, and no address cross reference. I then contacted XXXX XXXX and the phone went directly to XXXX. He said that the reason why the information from HSBC was sold to XXXX XXXX already for collections. I asked him for documented mailed announcement before a review of the claim, and he stated that I was to provide a credit card number before he would provide the documented information. I then did a quick credit history and there was no information of HSBC on my credit history. I then informed him that I had discussed the matter to HSBC and he informed then that litigation and garnishment will proceed and told me to have a nice day. I see this as a scam, because I haven't been eligible for any credit cards since pre XXXX 's. I've used only XXXX Debit card from XXXX bank since XXXX and do not see any validity to the claim that I am owed any about because I didn't have any account with HSBC. The person is XXXX at XXXX XXXX at XXXX.
Company Response:
State: CA
Zip: 93117
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I purchased an airline ticket with XXXX XXXX and the last minute the flight was canceled by by XXXX XXXX. I was promised a full refund by XXXX XXXX and after waiting for over two weeks I contacted my credit card company HSBC to see what is my best options. And the HSBC Representative told me its best to file a dispute, which I did. I had no outstanding payment due. I received a credit alert telling me my credit score decreased. When I look at my credit report it started : We noticed a change to the remarks listed on your XXXX credit report regarding your HSBC BANK XXXX. My score decreased XXXX point because I contacted HSBC about the purchase I made for a service I never received and I wasnt reimbursed.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A