Date Received: 2022-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX ) is attempting to collect a debt from HSBC that was discharged in bankruptcy. They have called me and several members of my family. They have threatened to serve me legal papers at my home or work, but they don't know either address. Their only information is out of date ( 10+ years ). When I contacted HSBC about it, they said they haven't heard of the company and they didn't hire them.
Company Response:
State: MN
Zip: 55417
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: Around XX/XX/2021 we noticed a balance transfer from our credit card and reported it right away to the credit card company HSBC. They said they would take care of the matter i had to ask them for a replacement card they wouldn't of replaced it if i asked them which you would think they would if i just reported a fraudulent transaction. So we asked them to investigate and there investigation was a copy of the check which was cashed on XX/XX/2021 9 days after we reported the transaction plenty of time to stop payment.the transaction was for {$1500.00} plus balance transfer fees and monthly interest we are 7 months into this now the police investigated and found it to be fraudulent notified HSBC every time we call HSBC they tell us they check and call us back. Because of this my credit rating dropped XXXX card closed our account and XXXX others lowered our credit limits causing my score to drop due to debt to ratio we lost {$10000.00} worth of credit from the other cards. Can you please help apparently they don't care when even the XXXX, pa police dept. found it to be fraudulant.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I lost my credit card, someone stolen and charged a small amount that is much less than {$75.00}, I reported to HSBC, HSBC replace my card and credit me back the false charge. However HSBC kept asking me for late fee, etc that is {$75.00} for 2 years. I talked to HSBC 5 times, agents all agreed that is a wrong late fee etc, so they will cancel. I also wrote to them, no reply. On XX/XX/2022 I received another notice from HSBC and asked for {$75.00} that they have agreed 5 times to cancel the fee that I did not make it. Thanks. XXXX XXXX
Company Response:
State: CA
Zip: 91801
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XX/XX/XXXX, there was an overdraft transaction of {$52.00} done on my Checking Account ( as a line of credit ) that did not show up on any forms of statement online banking or phone banking. Further, the paper statements were not sent to my address as the bank did not use the correct address. Despite being an HSBC XXXX Customer, the bank, customer care or the Relationship Manager did not care to call on my phone reminding of such transaction and non-payment of such amount for over 60 days. Given that I was not aware of the transaction, nor was made aware by any statement or communication, it would not have been possible for me to make any payment for such a small amount. Eventually in XX/XX/XXXX, HSBC closed the Line of Credit Account and again no information or statement was provided. In XX/XX/XXXX, while reviewing my credit report, I noted HSBC has reported my payments being delayed by over 60 days thereby impacting my credit rating significantly. I then worked with HSBC phone banking representative to deduct the amount from my checking account and refund various late payment changes. While talking to customer care for XXXX Banking for multiple times, I was assured this will be rectified as the issue lies with the bank system and of no fault of mine. All late payment fees, and charges were thus reversed by the bank acknowledging this issue was with the Bank. I was asked to send my credit report to HSBC Business Service Division via Fax which I did per the instructions. Earlier this month, On XXXX XXXX, I received attached postal communication from HSBC Cards and Loans Customer service Team dated XXXX XXXX stating that HSBC is unable to remove the delinquencies.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have received several phone calls from a company called XXXX XXXX over the last few weeks stating they are attempting to collect a debt. When the calls come it is not a real person on the phone it is a prerecorded message it doesn't indicate who the call is for it just is telling me to visit there website or call them back, but they never leave a phone number to call them back at. when they called on XX/XX/2022 the call went to my voicemail so when i listened to my voicemail I had the option to call the number back that called me which was an automated system asking me to enter my SSI # which i did not do as I don't know who this company is. After calling them back and since that time they have been sending me text messages demanding me to go onto there website or call and make a payment through their automated system. There are 3 agents send me text messages XXXX, XXXX and XXXX. After asking multiple times who this debt is from they finally stated that it is from HSBXXXX ( which I have not had an account with HSBC for XXXX years ). I contacted HSBCXXXX and they stated that they have no collection case that they have turned over to XXXX and that they are not a client of XXXX. I was directed by HSBC XXXX department and the fraud department to ask for a Validation of Dept. I have asked for this several times from all 3 XXXX rep and have been told me that they will not provide this to me until I provide them with payment. The phone numbers that are texting me are XXXX, XXXX, XXXX & XXXX. The phone numbers that have been calling me are XXXX, XXXX and numbers that come up as scam or XXXX ( scam Likely ). The Rep XXXX keeps stating that I am stalling by asking for a Validation of Debt and that he is escalating this to the bureaus. He has stating in his messages that once he does this it would effect my credit and abilities to get future loans.
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I filed a complaint with the case number XXXX. However I received a response letter from the business for another case XXXX for someone else. I attached the response letter to this complaint. I can not believe this is the way HSBC treat their customers. Here is my original complaint : My HSBC accounts including checking account and two credit account were blocked by HSBC. I contacted HSBC premier customer service and fraud department to discuss the issue. All the agent told me my account were blocked by another department, and I can not contact that department directly. They can send my request to remove the block or close the account to that department. However, that department did not response. As a bank customer, I have the right to close my account, to deposit and withdraw my own money. HSBC refuse to provide that kind of service. I need the money in my checking urgently. All the customer service agent asked me to wait, but I can not wait indefinitely. I want to get my money back.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Constantly calling me at all hours of the day and night. Very combative person threatening me my property threatening to attach my Social Security my bank account if saying that if I dont pay theyll get me they made threats against the property and I have no clue who these people are they refused to give their name. A firm name or a company name. Then they want to hang up on me.
Company Response:
State: WA
Zip: 98055
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: We have reached out to the carrier USPS in regards to this missing item. ( The lamps for {$300.00} from XXXX I was eventually transferred to a supervisor who advised me that although the package was marked as delivered they could not provide me with the geotracking information to prove this. I was also told that because of seasonal workers ( temporary workers that were new to the company ) it was likely that my package was lost or accidentally delivered yo the wrong address. I was security camera footage from the front of my house and my porch and I can provide proof that no one came during the entire day USPS claimed the package was delivered. I have tried to work out the issue with my merchant many times Ive also contacted the carrier who admitted the package was most likely lost or delivered to the wrong address. We will sign any legal document stating that these facts are true. We contacted HSBC who DENIED our claim. I believe we contacted them around mid XXXX. They were extremely rude, with one agent yelling at me accusing me of being a lying woman who just wanted the item for free. I was SHOCKED and sickened. We have never disputed fraud with this bank EVER before this never late on a payment. They also lowered my credit limit down from {$8000.00} to only {$500.00} as a result of this. Please assist us in this matter we spent a lot of money and never received the product we ordered. Its not right and weve tried to do everything the right way to resolve this issue. We expect to receive the full credit of {$300.00} since we NEVER received the items and we have video proof of this. Thank you
Company Response:
State: FL
Zip: 32960
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Mortgage Back Securities Fraud from XXXX XXXX TO ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX all are guiding of securities fraud, mortgage and deed and assignment of mortgage and pooling fraud.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am filing a formal report against HSBC Bank because HSBC Bank has performed a wrongful derogatory remark against my credit reporting file without ever giving me a billing statement. There is a long and quite intensive correspondence to go along with this. In the month of XX/XX/XXXX HSBC promised to remove this derogatory mark from my credit report. After having gone through our entire case in extensive detail they said that there was a submission to both XXXX and all the other credit reporting bureaus to remove this derogatory mark. HSBC stated that this would only take 30 days to occur. Now it is two months later, and the derogatory mark was never removed from my credit report. HSBC has agreed to remove this as they have also removed the late payment fees from my credit reporting balance. I am submitting this complaint to request that HSBC take the most speedy actions to remove this derogatory mark. As it has been over two months in request, I can no longer wait forever for no performance to push for this action to be taken in my favor. If HSBC does not take action to remove this within the next 15 days or follow up with me within the next 15 days, I will be suing the company with a court summons. I was told and informed that yet again they will want to take up another 30 days to extend and prolong the process for an investigation. This is unacceptable and illegal. This lack of action that HSBC has not taken to perform on their promise has left me in both economic stagflation as well as stopped me from being approved for other economic benefits that would work for companies that I am in the ownership of. This is ridiculous and malignant. {$17.00} to keep an account open should never have cost me so much in economic grief. This one-act cost me XXXX points on my credit reports. There will be dramatic legal action taken if this is not fixed.
Company Response:
State: CO
Zip: 80014
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A