Date Received: 2023-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On Monday, XXXX XXXX XXXX XXXX XXXX I received a phone call from XXXX. The man informed me he was with XXXX something and that I had a debt owed from HSBC aka Household Credit Services. I explained I had discharged that debt in bankruptcy and he is not allowed to call me on it. He said that wasn't true and I still owed the money. I said that is not true and hung up. I discharged this debt on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been 16 years since this was discharged and they should not be calling me.
Company Response:
State: AR
Zip: 72205
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I reached out to HSBC US due to concerns about widespread account closures. I was assured by your representative, that my accounts ( a XXXX checking and a XXXX savings account, ending in XXXX ) were in good standing and there were no indications of them being subject to closure. Despite this assurance, I was shocked to discover that my accounts have been closed without any prior notice or explanation. This abrupt action by HSBC US has severely impacted me, as I recently attempted to transfer {$2000.00} to my Interactive Brokers account, only to find out that the transaction failed due to the closure of my HSBC account ending in XXXX. I am extremely concerned about the whereabouts and safety of my {$2000.00}, and I demand an immediate and detailed explanation for the following : 1. Why were my accounts closed without any prior notification, especially after receiving assurance of their good standing? 2. What is the current status of my failed transaction of {$2000.00}, and how will HSBC USA ensure its safe return to me?
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My credit card expires in XX/XX/2023 and Im trying to pay my XXXX bill in the month of XXXX and the bank told me that I need to activate a new card before it will allow me to pay my bill electronically
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I use HSBC services. on XXXX XXXX XXXX a PREAUTHORIZED payment of {$29000.00} XXXX was made to an unknown amount in XXXX extracted from my SAVINGS account. I called the parties involved ( HSBC & XXXX XXXX ) ; HSBC told me they didnt know to whom this payment was sent to and asked me to contact XXXX, while XXXX said they can not do anything if i am not a customer of theirs, and that I should talk to HSBC.I have never in my life preauthorized such a payment nor have i used XXXX XXXX XXXX before. Please help, this is almost my entire savings thank you
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: HSBC refuses to return {$10000.00} sent to them from XXXX XXXX 's XXXX XXXX XXXX Account on XXXX. They have received the information requested on XXXX. ( see attach ). A call was made on XXXX to their Customer Relations number XXXX inquiring status, but call was never returned. I don't need any assistance from XXXX XXXX XXXX at this time, for the funds remain with HSBC, so the assistance I need is from HSBC.
Company Response:
State: MI
Zip: 48071
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: ( 1 ) THE FRAUD EVENT On XX/XX/2023, I withdrew cash from an HSBC ATM in XXXX XXXX, using my XXXX XXXX XXXXXXXX XXXX XXXX XXXX debit card. I requested XXXXXXXX XXXX withdrawal, and at the final step on the ATM screen I was presented with a choice to ACCEPT or DECLINE the transaction. I was surprised to see that I would be charged XXXX pesos in surcharges in order to withdraw XXXX XXXX (! ), so given the option to ACCEPT or DECLINE, I pressed DECLINE. Nevertheless, the ATM machine dispensed XXXX XXXX ( XXXX XXXX notes ) and gave me a receipt showing the XXXX in surcharges ( total, XXXX pesos, image attached below ). In USD terms, I got about XXXX USD in local currency from that ATM, and my XXXX account was charged XXXX USD! A Scam!!! It is noteworthy that an on-line search ( which I did after becoming a victim ) reveals that others have experienced this same fraud at HSBC ATMs XXXX XXXX. ( XXXX ) ACTIONS TAKEN On Monday, XX/XX/XXXX, I went to an HSBC branch to complain about this problem and implore them to check their surveillance footage. I got nowhere ; they said I must take up the issue with my bank. I therefore called XXXX on that same day and spoke with the fraud office. After many phone calls, I was told that the problem would be investigated and that I would meanwhile be issued credit for the amount lost in the scam. I felt reassured. And on XX/XX/XXXX, I saw that the amount of {$460.00} was credited to my account. I had no further communications with XXXX and saw no further messages in my XXXX phone app or on my phone or email account. I continued my travels in XXXX. ( Cash withdrawals at other bank ATMs were unremarkable, involving " normal '' expected surcharges. ) In late XXXX, I noticed in my phone app that the credit of {$460.00} was reversed ( taken back ) by XXXX on XX/XX/XXXX. I found, via my app, that the claim had been closed ; XXXX 's response letter attached an ATM transaction log from XXXX XXXX XXXX. The transaction log proved what I was saying -- that XXXX XXXX were dispensed to me, and that XXXX + XXXX XXXX in tax and surcharges + XXXX XXXX in banknote delivered = XXXX XXXX ( {$520.00} USD ) was charged to my account. XXXXXXXX XXXX case review consisted entirely of punting the issue to XXXX XXXX XXXX, and the reviewer at XXXX XXXX XXXX ( the person who made some annotations on the log ) did not even comment on the extreme surchages shown in the log. In fact, the reviewer seemed to claim ( despite the evidence in the log ) that I received the entire amount in XXXX banknotes. The log and the reviewer comments did not prove that I did not press DECLINE when presented with this extreme surcharge. But I really feel that I would be in the right in calling this a scam even if I had pressed " accept '' at the final step of the ATM transaction. ( But again, I didn't ; I pressed DECLINE. ) IN SUMMARY : - Did this monstrous and ridiculous ATM surcharge fraud occur, at my expense? YES, IT DID OCCUR. I told XXXX that on XX/XX/XXXX, and they did not need XXXX XXXX XXXX to tell them that again. - Did I explicitly approve this fraudulent transaction? NO, I DID NOT, and the investigation does not show anything to the contrary. - Would such a monstrous surcharge be legitimate in any scenario ( approved or declined )? NO, IT WOULD NOT. - Did XXXX XXXX XXXX, acting as XXXX consultant, add value to the investigation? No, the ATM log confirmed that only XXXX XXXX was dispensed, and their annotations written on the log -- suggesting that XXXX XXXX in various banknotes were dispensed -- were fabricated and not derived from the log itself. - Did XXXX do any investigation of its own with regard to HSBC, the bank responsible? APPARENTLY NOT. They might have asked for their surveillance camera footage, as I did without success.
Company Response:
State: CA
Zip: 93311
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Im trying to open a Premier HSBC checking account and savings account with HSBC. I had a Premier account with them many years ago which I decided to close and was closed with no issues, no negative balance or any problems at all. When I went to open an account today online, the website stated the system recognized me as having a current or past account, and asked me to call a number XXXX. When I called them and explained the problem, they were able to get my info and found the previous closed account. They informed me they couldnt help me over the phone, and that I had to call a local branch to ( and I quote ) have my profile deleted so I could then apply for the account. I contacted my local branch and I was told thats not how it works and that they had no idea what that was about. I was advised to call back that number and ask for a supervisor. I called back and asked to speak with a supervisor and was told there werent any. The agent on the phone did not offer any solutions to my problem.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem when making payments
Subissue:
Consumer Complaint: XX/XX/XXXX - I made a payment of {$1500.00} being payment due for XXXX and XX/XX/XXXX on the HSBC 's website. XX/XX/XXXX - I was contacted on phone by a customer service from the bank asking for payment to be made on the same loan account. I confirmed that I had already made payment online a few days back. The customer service representative asked that I can make over the phone since the earlier payment I made had not posted to my account. I confirmed with the representative that my earlier payment will be cancelled if I make a payment over the phone, to which the representation confirmed that the earlier payment will be canceled. I requested the earlier payment be canceled and made another payment of {$1500.00} over the phone. In XX/XX/XXXX, I noticed that both payments were taken from my XXXX accounts. I called back HSBC to complain and have them refund me. I was told a refund was not possible, so I agreed that the over-payment be applied to the payments due for XXXX and XX/XX/XXXX. HSBC did not do as agreed and resulted in my monthly payment due to double. Future payments became impossible as I could not make part payment. I made several calls to resolve this issue and they have tickets open as far back as XX/XX/XXXX. HSBC has not resolved the issues but rather has sent my account to debt collection, impacting my credit score negatively.
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: HSBC closed my checking and savings account on XX/XX/2023 for no reason, I asked the reason for the closure and was told that there was no reason, I did not do any illegal operations, I hope to verify, thank you!
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Dear CFPB officer I am writing to express my deep concerns regarding a significant issue with HSBC US Bank and to request your assistance and intervention. In XX/XX/2023, I opened a checking and savings account with HSBC US, which I have been using for normal financial activities. However, recently, I received a letter dated XX/XX/2023, from HSBC US Bank, informing me that my account will be closed after XX/XX/XXXX, with no explanation or reasons provided. I am extremely puzzled and dissatisfied with this abrupt decision. I have been consistently following HSBC US Bank 's policies and regulations in the use of my account, and no violations have occurred. My account is an integral part of my regular financial life, primarily used for investments through platforms like Interactive Brokers and XXXX XXXX. I have always complied with relevant regulations and maintained sufficient funds in the account. Therefore, I find it highly perplexing and inconvenient that HSBC US Bank has decided to close my account suddenly. I request the CFPB to investigate this matter to ensure that my rights are not infringed upon. I hope HSBC US Bank will reconsider their decision to close my account, as it will cause significant disruption to my normal financial and investment activities. If there are any concerns about my account activity or usage, I am willing to cooperate by providing any necessary information and explanations. I kindly ask the CFPB to promptly intervene and investigate this matter to ensure the protection of my legitimate rights. I greatly appreciate your assistance and attention and look forward to a swift resolution. Sincerely,
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A