Date Received: 2022-04-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ) working with HSBC Bank is assisting XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX in committing mortgage fraud. They are stating that the home is their primary residence but they have been leasing the home since 2018. I have reported them to other agencies as well. I tried contacting HSBC themselves but they stated that I need to contact the federal authorities.
Company Response:
State: CA
Zip: 91737
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX HSBC issued a online bill payment, as requested through their app, of {$5800.00} to XXXX XXXX This payment was cashed by another entity on XX/XX/XXXX that is not XXXX XXXX as evidenced by HSBC 's proof of payment ( see enclosed ). XXXX XXXX also signed an affidavit saying they did not receive these funds and sent this affidavit to HSBC on XX/XX/XXXX. We were forced to pay these funds again to XXXX XXXX since HSBC lost the funds. We are waiting for HSBC to respond. They have been claiming, since XXXX that they are " investigating '' and yet, it is now 2 months later and they have failed to reimburse us for these funds and are no longer responding to follow up calls or emails. Please help. I'm enclosing the proof of payment provided by HSBC showing that they paid the wrong entity. Thank you!!
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Previous complaint was unresolved. Account is listed as current, but I am unable to manage online. Payments are going through their collection office even though account is not in collection. Then they raised the interest rate without my knowledge from 12-13 % to 30 %. Calls, chats and emails are like chasing a cat. Collection office ( while not in collections ) says talk to customer then customer service WILL NOT HELP or answer the questions. TOTALLY BEING STONEWALLED. I want out of all business with HSBC and they will not entertain an offer to settle the account either. Saying that I have to be delinquent. Its an absolute JOKE. VERY FRUSTRATED
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Set up an online savings account with HSBC USA with a XXXX, NY XXXX XXXX XXXX XXXX ) in XXXX of XXXX. Mailed in a check of {$6000.00} to start my account. Made an ATM withdrawl of {$100.00} in XXXX of XXXX. That was the only transaction that I have made. I was notified in late XXXX by mail that HSBC was selling its savings section to XXXX XXXX. On XX/XX/XXXX I received a paper final statement of only {$50.00} that was transferred to XXXX. Also received from XXXX its first statement ending XX/XX/XXXX of a balance of {$50.00}. That was when I realized a large portion of my account was missing. After numerous calls with HSBS customer service call center, I was told that on XX/XX/XXXX, there was a wire transfer of {$5900.00} made to XXXX. I did not make any such transfer and I would like to know who authorized that transfer, and why HSBC never bother to contact me about that. HSBC has my hone address, Email address and phone number on file.
Company Response:
State: MO
Zip: 63108
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX caused an unlawful eviction to be executed upon my home, when they do not have a valid court order or valid legal reason to sue me in court period. Enforcement officers insisted that we take up this matter in court. But this is wrong. The officers should have applied due process or the Law first. They have shifted the burden of going to court to aggrieved citizens. 735 ILCS XXXX plainly states that possession orders older than 120 days are invalid and unenforceable. 735 ILCS XXXX ( g ) also says that orders of possession can not be enforced against residents generically named. And yet this is what happened. The order that was wrongfully enforced was entered without jurisdiction ( in violation of the federal False Claims Act, state consumer protection law, and Fair Housing Law -- among others ) XX/XX/XXXX is roughly 3 years old. And it fails to name XXXX XXXX, one of the residents who was threatened with arrest for trespassing and forced to leave XX/XX/XXXX. On this same day, XXXX XXXX had the locks illegally changed. This man is a house thief and is seeking to sell my property with all of our belongings in it, " As-Is '', with no guarantees, asking for cash up front. I spotted such an ad on XXXX and XXXX. Neither XXXX XXXX or XXXX XXXX XXXX XXXX were named as plaintiff parties to the unauthorized foreclosure-related eviction actions filed 3x under seal in the wrong municipal district of the XXXX XXXX Circuit Court . Yet they were on the scene when XXXX XXXX Sheriffs showed up. When I filed formal complaints with the CFPB respecting the illegal court actions filed by XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX parties denied any responsibility for the actions. XXXX shifted the blame to XXXX Mortgage XXXX XXXX. And in its response, it referenced the transfer of mortgage loans. So HSBCXXXX and in turn XXXX must have transferred a non-performing, securitized void mortgage created without the proper licensing to these real estate companies or professionals. Nobody in my household is indebted to any of these parties and my home-ownership can be corroborated by a title report and tax records. The parties ' claims spring from false and fictitious filings submitted to courts, land recording systems, and local governments. They need to be charged, because it is a crime to submit fabricated documents and evidence to peace officers or public officials ( See 720 ILCS XXXX and XXXX ). XXXX XXXX is currently trying to get us to abandon the property altogether by making arrangements to move our stuff, when he has no real rights in the property.
Company Response:
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: HSBC froze my assets without notifying me and this resulted in returned payments for my mortgage ( XXXX Bank ), credit cards ( XXXX XXXX and XXXX ), auto loan ( XXXX XXXX XXXX ), and electric utility ( XXXX ). I was unable to access my funds held by HSBC. When the payments were first returned, I was assured it was an error and that all automatic payments would go through without delay. Nevertheless, additional payments were returned. HSBC later informed me that HSBC provided incorrect information and that all payments would be returned. At no time did HSBC acknowledge the issue and instead dismissed me suggesting I should have simply used other bank accounts to pay my monthly bills. My entire paycheck is deposited with HSBC, and I had no other account or funds available. HSBC had no problem holding onto my paychecks during this incident. Altogether, I received late fees and interest charges amounting to several XXXX dollars. This could have been avoided if HSBC proactively communicated about the potential fraud issue rather than waiting for me to contact them after returning my automatic payments. Several HSBC representatives confirmed that I would be reimbursed and would receive a call back. I never received a call back. I placed another call today and the representative said I would not be reimbursed and should instead work with the merchants directly. The merchants have declined to assist and instructed me to work with HSBC as it was HSBC 's fault and HSBC should be held accountable. I have spent more than XXXX hours on the telephone with HSBC and the impacted merchants to resolve this issue with no result.
Company Response:
State: NH
Zip: 03801
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: This complaint is related to the difficulty in obtaining a deferral agreement or modification agreement from XXXX XXXX XXXX XXXX and HSBC. I am in the process of refinancing with a new mortgage lender to avail of a lower rate. Everything was going well until I came across this problem with obtaining this specific document. I have contacted XXXX multiple times since early XX/XX/XXXX. I was told to contact my former Mortgage lender Beneficial ( an entity of HSBC ) who originally issued this deferral. Beneficial sold my account to XXXX in XXXX. I have contacted HSBC in hopes that they will be able to provide me this document, but to no avail. Both lenders denied that they have this document. Meanwhile, this back and forth process with these two companies, XXXX and HSBC, caused my refinance to be put on a halt. As a result, I may lose my chance for a better rate. I am hoping that with your help I will get a much faster response and a positive outcome. Thanks.
Company Response:
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was a customer of HSBC for many years. On XX/XX/XXXX I called HSBC to pay off my outstanding balance ( I always paid all of the outstanding balances month after month ) and close off my account. After an hour of back and forth and a confirmation that my balance was paid I was also sent to the rewards department to cash out on the points balance, which was quickly done ( I received {$500.00} worth of gift cards ). XXXX months later I started receiving calls about my " outstanding balance ''. I've had XXXX conversations with XXXX XXXX and XXXX with fraud department and they still won't stop. This is a terrible business and I will never be their customer again. However, I don't know what I'm supposed to do with this other than suing them.
Company Response:
State: CA
Zip: 95050
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer 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: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened up an HSBC Checking Account online on XX/XX/2021. At the time, they were running a promotion where if you met the qualifying activities, you would receive a {$450.00} welcome bonus. The qualifying activities were to ( 1 ) open your new HSBC Premier checking account from XX/XX/2021 through and including XX/XX/2021 ; and ( 2 ) make recurring qualifying Direct Deposits totaling at least {$5000.00} per month from a third party to your HSBC Premier checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. I met the qualifying activities and even one of the representatives said, on XX/XX/2021, that I met the qualifying activities when I spoke to them over chat. The representative even said, " You will automatically receive the {$450.00} Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. XX/XX/XXXX direct deposit was received from there within eight weeks deposit will be credited to the account. '' During this time HSBC switched my account to XXXX. I followed up with HSBC regarding my {$450.00} welcome bonus and they informed me that I did not qualify for the welcome bonus because I did not sign up on the " landing page '' where I was supposed to sign up on. Although it was not one of their conditions for the {$450.00} welcome bonus, I did sign up on the landing page of the website where they advertised the {$450.00} welcome bonus. After some back and forth with HSBC, they are refusing to honor the {$450.00} welcome bonus they advertised and will not provide it to me.
Company Response:
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A