Date Received: 2022-02-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened an HSBC Credit Card back in XX/XX/XXXX and used it on Vacation that same month. When I returned i did not receive a statement and was not able to login online to make a payment. Got errors saying login failed, and could not reset password. I tried several times, and still could not access my account. A month went by and I get a call from HSBC saying that my account has been closed for non-payment and that is why I could not access the account, and demanding payment in full. After arguing that my account should not be closed because HSBC made no attempt to contact me to tell me I was late, HSBC responded that it was not their company policy to contact customers if late, via phone, mail, text, nor email. I conveyed that I was not able to pay the full amount, but I would gladly make payments. I set up a payment arrangement and the payments continued for 6 month, and then HSBC called back saying I was late again. I asked how I was late when we had set up a payment arrangement and they were taking payments from my bank account. The HSBC rep said that their system only allows payments to be set up for 6 months at a time. So I set up another 6 months and this continued with no communication from HSBC for over a year. I recently got a call in XXXX saying I was late again and needed to pay a late fee and a past due amount. I made an arrangement to pay {$41.00} and then pay a one time payment of {$78.00} on XX/XX/XXXX, and then {$75.00} on XX/XX/XXXX thru XX/XX/XXXX. Two days later I noticed that HSBC had charged my checking account the planned {$41.00}, and also two additional Charges of {$78.00} each, which overdrafted my checking account. I called and demanded they reverse the two {$78.00} charges that I had not authorized, and refund the late fee, which they did. Then I set up the 6 month payment arrangement again with them on the phone and was assured that it would come out as planned this time. On approximately XX/XX/XXXX, HSBC called me to inform me I was past due by {$110.00} and demanded payment then. I explained that I had a payment arrangement and why did HSBC not take the payment as agreed on XX/XX/XXXX. They reviewed the notes and explained that they made an error and would correct it if I paid the {$110.00} that day. I refused and told them I would pay the {$78.00} as agreed and that normal payment XXXX should resume on XX/XX/XXXX in the amount of {$75.00}, and continue on the XXXX of each month, now thru XXXX as they could do 6 months at a time. We agreed and she assured me that normal payments would continue on the XXXX thru XXXX and no further arrangements needed made. Now on XX/XX/XXXX, HSBC calls me at work ( on my cell ) and notifies me my account is past due and I need to pay {$110.00} and I have missed my XX/XX/XXXX payment, so a late fee on top of my regular payment is due them. I was angry and told the woman that I had an arrangement that XXXX constantly screws up and to check the notes on the account as I am not paying a late fee because XXXX did not process my payment. Today I got an Credit report alert that HSBC has marked my account 30 days past due, causing my credit score to drop by XXXX points on one bureau. I would like HSBC to honor the payment agreement, remove the late status on my account and remove late fees, and correct my credit report.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Dispute is towards HSBC Initial fee was for {$45.00} at XXXX XXXX XXXX XX/XX/2021 XXXX late fee was for {$25.00} on XXXX @ XXXX 2021 XXXX late fee was for {$37.00} on XX/XX/XXXX Payment made for both late fees and initial purchase on XX/XX/XXXX for {$100.00} When i attempted to pay my debt i set up a payment date so the money could come out of my account at a certain date but apparently something went wrong so my payment did not come out the date i thought i scheduled the payment for and i was unaware of this incident. I did not go back in to check if the money had come out of my account or not because im so use to it working i did not think twice about going back in and checking my account for conformation. I dont use my credit cards everysingle month i try to rotate them and use them all periodically. I emailed them a goodwill letter and got no response in a timely manner and im trying to have the 2 late payments removed so i can start up business credit and start my trucking company but these 2 very small late fees are hindering that process and i have no other derogatory marks on my entire credit file and i have even paid the fees in full and have still had no help from them whatso ever. I had a score of XXXX and the 2 late fees they added to my file dropped my score XXXX points
Company Response:
State: IN
Zip: 47303
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Other transaction problem
Subissue:
Consumer Complaint: This compliant is created by XXXX XXXX XXXX, which is a furniture retailer/company in XXXX XXXX XXXX In late XX/XX/XXXX, XXXX made XXXX payments to their manufacturer XXXX XXXX XXXX XXXX XXXX which bank account is with HSBC XXXX. The amounts were XXXX paid on XXXX XXXX, XXXX and XXXX paid on XXXX XXXX, XXXX. It has been more than one month that these XXXX payments have still been holding by HSBC Bank USA and not released to XXXX XXXX XXXX yet. As required by HSBC USA, XXXX provided related documents to proceed a security check for these XXXX payments on XXXX XXXX and XXXX XXXX separately, and then never heard back from HSBC USA ever since. Although XXXX has been sending update requests to HSBC USA for numerous times in last month.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am trying to close my HSBC checking and saving accounts because I do not want to be migrated to XXXX XXXX. Unfortunately there is no way to contact HSBC. I have been on hold with hold with all three available options ( phone, chat and apple messages ) for an hour now. I strongly suspect that they have shut down communication to avoid mass exodus of accounts in order to boost their sale numbers to XXXX.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: HSBC claims they disbursed funds for a closed account ( which still had a balance of {$490.00} ) but I never received any check. I've made numerous phonecalls including a 2 hour call today. Two times they tried transferring me to a wrong number. I still do not have the funds.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Hi there, Sub : XXXX XXXX XXXX XXXX XXXX causes trouble for my personal checking account. XXXX has been my bank account for many years. The recent merger and move of my accounts to XXXX XXXX has been fraught with problems. For a start XXXX XXXX has high charges for maintaining an account with them. I am trying to close the account. The related problems I face unable to close cause great mental duress. I am unable to contact any customer service personnel to speak or go to a branch, since they closed the branches near me. Their customer service help line is non existent. I spent more that 3 hours listening to music. I am anxious that they will keep charging me a maintenance fee for no service. Please assist me in closing this account. I will be glad to provide additional details as required.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Yesterday, XX/XX/2022 I received the first notice from a card issued by the bank HSBC. This notice was an issue saying that there was a late payment pending. And that the payment required a {$35.00} minimum payment. This was the first notice issued by the bank including any receipts and debts to be repaid. However, the bank decided to take on legal action ahead of requesting payment. This resulted in a XXXX deduction on my XXXX XXXX. These funds have been since paid off in full and would have been if the bank had sent out a regular notice for payment. I'm a citizen of good standing and I have never had a derogatory mark on my credit file. I would have paid this as normal if the bank had sent me a notice or bill.
Company Response:
State: CO
Zip: 80014
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: To start, ( A ) signing in is made difficult by the company rushing the security code process. Once signed in, ( B ) the website no longer allows me to pay. Recently the automated pay by phone has been made difficult by 1 ) rushing the security code process 2 ) removing stored bank information. 3 ) Rushing the confirmation number which is twice as long as any other card and not giving the chance to listen again to confirm the number is right. This lead to ( C ) excessive wait times to talk directly to a representative who after 1 ) rep took payment failing to give confirmation number. 2 ) rep did not send my payment. 3 ) non payment lead to a late fee with interest. 4 ) lack of taking payment also lead to a lowering of my credit limit which put me instantly over the limit. All this HSBC sent to the credit bureaus that smears and lowers my XXXX score which in turn they use as a weapon to extract more money from me. Also HSBC credit card customer service is a fraudulently put me on wait for 2 hours holding for the Disputes Dept then cut me off. Another time after hours of wait, another HSBC rep transfered me out to a medical insurance provider. Another time I was told that the disputes dept. is not contactable, only to have disputes contact me 3 weeks later as if to start a dispute I spent days already talking about. My balance remains uncertain, blame and costs have been shifted to me unjustly under the cover of valid reasons
Company Response:
State: CT
Zip: 06704
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Other transaction problem
Subissue:
Consumer Complaint: CONSUMER FINACIAL PROTECTION BUREAU URGENT. SUBJECT : STOP HSBC UNAUTHIRAZED TRANSFER MY BANK ACCOUNT TO XXXXXXXX XXXX HSBC Bank have agreement with XXXX XXXX transaction and transfer my all accounts, direct SS deposit account, saving account ( XXXX ) checking. ( XXXX ) Creditcard ( XXXX ) final transfer on date XXXX. I did not have knowledge about until HSBC letter I received on XXXX XX/XX/2022, But Hsbc letter was dated XXXX XXXX .HSBC letter which I received on few days before transfer account XX/XX/XXXX. XXXX. HSBC did not inform before the agreement and I have not received any information regarding my Bank account transfer from HSBC and XXXX Bank. I can not witdrow or transfer-wired to other Banks on line internet banking. I have Hsbc Security device is block-disable. Du to PANDEM I can not travel.I need money to daily expenses. Hsbc still in business in USA and not close for business.But they sell my Privacy, name and my bank account to XXXXXXXX XXXX without my Permission and knowledge. BY law HSBC responsibility consumer banking stransactions with my SS direct deposit, saving, checking, debit and credit card accounts safe and secure in HSBC Bank. by law HSBC without knowledge transfer and unauthorized to sell my bank account to illegal business transactions with unethical bussiness profit. Stop my Bank account unauthorized and illegal transfer to XXXXXXXX XXXX. Sincerely. XXXX XXXX
Company Response:
State: CA
Zip: 94070
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Problem when making payments
Subissue:
Consumer Complaint: Since early XX/XX/2022, I have been trying to get ahold of the right department to inform them that I am unable to make minimum monthly payments due to my employer cutting back hours and seeking a temporary payment arrangement. I keep being put on hold and keep being redirected and with a result of being hung up on. Due to this continuous cycle when I call, I have been charged a late fee. I need someone to help me with hardship monthly payment options until I find a full-time job, I do not want my account to be reported to collections and impacting my credit score.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A