Date Received: 2022-03-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Nevada XXXX Re : department collections attempt that is staturiel time barred To Whom This May Concern, I, XXXX XXXX, received several phone calls regarding a debt that is being claimed against me. I sent this company 3 certified letters, Re : CEASE AND DESIST ADDENDUM, attempt that is staturiel time barred and requested a verify the total debt amount, including any fees, and who the original party that is making the claims, Its successors, and - or assigns. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) called me and Threatened to sue me they refused to talk with my lawyer. the creditor told me that I had till Monday to respond other wise they are taking me to court. XXXX XXXX XXXX XXXX XXXX told me the dates of this dept was from. XXXX, XXXX and XXXX. The earliest point at which you could have sued for the full balance owing to this debt was more than six years ago. I told them this account is staturiel time barred. On XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) I called back and I told XXXX that the call was being recorded and that I needed i needed more information, She told me that after our conversation that this account has been moved to the fraud department. She said that she didn't have much information regarding my account. I asked for the mailing address. I do not admit liability for this alleged debt, and I do not intend to make any payments to for the following reasons : The earliest point at which you could have sued for the full balance owing to this debt was more than six years ago No payment has been made to this debt by me, any joint account-holder, or any third party acting as my agent for a period of more than six years No written admission of liability for this debt has been made by me, or any third party acting as my agent for a period of more than six years. This debt is therefore Statutory time barred and any court claim to recover it will be defended on this basis. If you have evidence that this debt isnt statutory time barred, please send it to me within 21 days from today. Otherwise, please confirm in writing that you wont pursue me any further for this debt Thank you for your help.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: For the past 30 days, a mediation company identified as HR Management has called several times XXXX threatening to file a judgment for an alleged HSBC debt dated XXXX paid in XXXX XXXX XXXX XXXX through Stipulation. This paid HSBC debt was paid and is currently today beyond of XXXX statute of limitations.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX | Reviews | XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. ( XXXX ) XXXX. XXXX XXXXXXXX & XXXX. This business is not XXXX XXXX. I paid XXXX XXXX XXXX XXXX XXXX XXXX in XXXX for a HSBC XXXX Bank credit card debt ( Card XXXX XXXX XXXX XXXX ). A new collection agency contacted me saying they are going to file a legal suit ( A & XXXX management ). I contacted XXXX XXXX XXXX XXXX at the above information to procure a paid in full letter to give to the new company. The person at the ( XXXX ) XXXX took my name and the last four digits of the card. I gave both. He said yes, we show that as paid. He then asked what is the available balance on the card. I said it was closed and charged off in XXXX. He said you have to tell me the available credit. I said : Well, okay then zero. In order for us to send out that letter, you have to get a HSBC Security Card. I asked for him to explain how I would get that. He said go a store that sells cards ( grocery, department or drugstore ) and buy it. I will wait on the phone. I said I am not in town. Please explain the process. H said you go in the store, go to the cards and get an XXXX card. I said with money on it? He said yes with {$200.00} on it. I said : All I want is a paid in full letter I shouldn't have to pay {$200.00} for that. He said : Why are you so negative? We will put the money toward the account. I said : I already paid the account in XXXX. He said, yes, I understand but let me tell you what happened : Someone used the account. You have been hacked. They did a lot of shopping on XXXX. For security, you send the card and we can close your account so that you do not have to go to court and it all gets settled and we can send the letter. I responded : You're a law firm and you are asking me for {$200.00} to send a paid letter for a debt you already collected? He responded : Whatever and hung up. I called back the XXXX XXXX XXXX XXXXXXXX and am now paying them again to avoid civil litigation. XXXX XXXX XXXX settled for {$300.00} in two payments which I am paying because they say that the debt is still viable for civil litigation even though the last payment was made to HSBC XX/XX/XXXX and it was sent to collection XX/XX/XXXX and then paid to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX never sent a paid letter or email, but I do not still owe this HSBC debt and am now paying a second time. I wanted to see what would happen when I called back XXXX XXXX XXXX XXXX XXXX. Another man answered 'Microsoft XXXX. I explained that I had just spoken to someone about getting an XXXX card to release my paid letter from an old debt on a HSBC credit card He asked : Did you purchase the card? I said : No, I need to understand the process. He hung up.
Company Response:
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I logged into my HSBC USA account to make a credit card bill payment. I have XXXX cards with the bank, one I use regularly the other I use minimally. Upon logging in I noticed the balance on the card I use minimally had a balance of {$2700.00} cleared charges and multiple pending charges. The cleared charges were clearly made at businesses outside of the United States and were made during an 11 day duration. They also surpassed the credit lime on the card by {$20.00} or so. HSBC Bank claims to have an automatic fraud alert system that notifies customers via text or email when suspicious charges are made yet I received absolutely nothing. I reported the issue to the bank immediately. I was told the balance on the card would be reported to the credit bureaus as fraud and that my score would not be affected as I am actively looking to purchase my first home and my rates and purchase price are primarily based on my credit score being excellent. HSBC reported the balance to the bureaus but failed to identify them as fraudulent. Having a such a high balance in addition to it being over my credit limit caused my XXXX score to drop by XXXX points and my XXXX to drop by XXXX points. My XXXX score has not been updated as of XX/XX/XXXX but is sure to. I immediately called HSBC to inquire about the fact they didn't specify the charges being fraudulent on the reports and they had no reasoning nor could they explain why I was not notified via text, email, or phone call about suspicious activity on my account. Due to all of this I am unable to purchase a home until everything is resolved which, according to HSBC and my lender, could take up to 60 days. This leaves me in a position of losing opportunities to buy a home within my price range because of prices rising but also forces me to lose the opportunity to take advantage of low interest rates due to them skyrocketing. This will, in the end, cause me to spend hundreds of thousands of dollars over the years. It has left me emotionally and mentally distressed.
Company Response:
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/XXXX a wire was sent. The recipient did not receive. The bank has been useless in resolving this matter and basically said just to wait. I have followed up multiple times over the span of 2 weeks. Review the e-mails please. Provide customer service.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: HSBC CALLED ME 6 TIMES ON XX/XX/2022. I AM BEHIND ON MY PATMENTS. THEY CALL AND HANG UP. I HAVE TOLD THEM TO NOT CALL ME BEFORE XXXX AND AFTER XXXX. THEY REFUSED TO LISTEN. THEY HAVE PUT EXTENSIVE AMOUNT OF FEES, INTEREST AND LATE CHATGES ON MY ACCOUNT. I HAVE TWO CARDS. ALL OF THE FEES AND EVERYTHING COME TO {$400.00}. THE BIG THING IS THEY KEEP CALLING ME 8 TIMES A DAY. I HAVE NOT GOTTEN A BILL SINCE XXXX.
Company Response:
State: AZ
Zip: 85297
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I opened a XXXX Checking Account with HSBC Bank they have several safety screens to log on. At the time I opened the account it was not apparent that their physical branches do not support their online customers. After trying several times to get in touch with the bank online I did not know I had the wrong number to reach them. It was only after going again to HSBC that someone wrote a number by hand and said this is the only way you will get through. I was finally able to get through after a long wait. During this time the bank was deducting a $ 50 monthly fee the deducted {$500.00} I asked them to review as I had no access to the account and they acknowledged that reversed only {$250.00}. I placed a complaint on their site it says they will take 10 days to review XXXX has been reviewing for over a month XXXX was filed. I at that time requested my account closed and my money returned they were supposed to send me a check instead they kept my funds now charged another {$50.00} fee for XXXX this is closing in on XXXX and I fear another charge.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: Transfer of funds via online ( transfer of personal funds with verified personal accounts ) not executed for a very large amount Sequence of events : 1. I had money in 2 accounts in HSBC as of XX/XX/XXXX : 2. I transferred the money from both the accounts to my own trusted account XXXX on XX/XX/XXXX after talking on the phone with an HSBC associate that helped me. ( Attaching the electronic transaction confirming the disputed request ) 3. I called XXXX, and they assured me that both the money was transferred it was reflected on my statement as of XX/XX/XXXX XXXX. On XX/XX/XXXX I called HSBC again. The associate assured me the money was transferred and helped me close the account. 5. On XX/XX/XXXX I was told by XXXX that HSBC recalled the money due to insufficient funds 6. I have been calling XXXX every day to find out where my money is starting from XX/XX/XXXX. They assured me that they will look into it. 7. I again called HSBC on XX/XX/XXXX, and was told it will take 3 to 5 business days to get my money back. 8. I again called HSBC on XX/XX/XXXX and was told that the money will be overnighted to me. 9. I again called HSBC on XX/XX/XXXX asking my call to be transferred to a manager. The escalation XXXX, XXXX, spent XXXX hours updating on the situation. He informed me that back office is closed at XXXX EST, and he will call back the next day at XXXX pm EST personally. 10. I did not get any call back from XXXX, so I called again on XX/XX/XXXX at XXXX EST and talked to XXXX XXXX Escalation Manager, ID # XXXX and spent more than an hour. She called Exemption team who informed her XXXX team has the money. XXXX, Manager of XXXX team, has access to the holdover account, which the fund will be drawn from to refund to me. I escalated the issue to XXXX manager, XXXX, a Team Manger to call me with an update. I never received a call back. Currently I do not have my money, and am not sure when or if at all I will get it. Please treat this as an urgent request from a customer trying to get her savings of 10 years back from HSBC. I can provide other details on request
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: A 14 year-old debt attempted to be collected upon. I did at one time have an account with one of the companies he'd mentioned ; However, it's been settled for over a decade. It doesn't even show on my credit report any longer.
Company Response:
State: UT
Zip: 84084
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a credit card with HSBC. Their advertisement even today on XX/XX/XXXX on their web site stating " Rewards with no limit or expiration ''. All my points worth {$910.00} as of XX/XX/XXXX are no longer there. I want the money back. Please help me
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A