Date Received: 2022-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XXXX XXXXXX/XX/XXXX, I received a voicemail from a local telephone number at XXXX XXXX. The voicemail told me that someone was filing a civil suit against me : Hey this is an urgent message intended to contact you in reference to a complaint. If you have any questions or concerns regarding a pending access that are being filed against you you will need to contact the issuing firm at XXXX again that number is XXXX to discuss, this requires your immediate attention and it is imperative that we speak to you or they will be forced to make a decision without your consent again this is an urgent message. When I called the number me time, a man answering said it was a law office, and I hung up. The second time, a woman answered and said it was someplace like XXXX XXXX. When I gave her the reference number in the voicemail, she put me on hold for 3 minutes and then told me that HSBC was filing a civil suit against me for {$760.00} that was owed between XXXX and the last contact they made was in XXXX She asked what was going on in my life then that I chose to not repay my debt. Then she said that HSBC would be taking legal action and would also collect interest fees dating all the way back to when the debt was made, so 17 years of fees plus court filing fees.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This is an urgent matter, as I am unable to link a bank account to my HSBC account or complete a bank to bank transfer, which I need to pay rent and bills, into my account. HSBC is closing its US accounts this week, and has completely stopped responding to any contacts, and has known about the issue for six weeks, and it has only gotten worse. In XX/XX/2021, HSBC placed a completely negligent fraud alert ( multiple calls from multiple departments that do not coordinate ) on my checking account, and I wasted almost a day trying to get through to them or get an explanation, as it sounded like my rent check had been stopped. I was repeatedly cut off, lied to, given completely contradictory explanations -- it was beyond belief. I eventually got hold of XXXX XXXX, an alleged executive, who eventually acknowledged the alert was negligent ( placed only because I used two inks on the check, even though it was fully initialed and signed ) and promised she would quickly look into the matter and get back to me ( that was on XX/XX/XXXX of last year ; she has done literally nothing since ). The response from HSBC fraud abroad was insane -- it was like dealing with the deranged ( there's no nicer way to put it : that description is inadequate ). Instead, I got yet a letter about fraud ( but not specifying even what it was about ) from HSBC weeks after XXXX swore she had resoled the issue ( but she was still allegedly investigating and never provided any update after that one initial assurance the check would clear ). When I emailed XXXX to tell her she needed to tell me immediately what the new fraud letter involved, she did not respond. She did nothing week after week, usually not replying, and when she did, she offered absurd excuses and stalled again. She has literally done nothing for six weeks, and has not responded at all for more than a week, and barely at all before that for weeks. Now there is another negligent urgent matter ; XXXX placed some wholly insane fraud alert on my bank to bank transfers when I tried to link an outside checking account. I tried for hours to get them to fix it ( via online chat and phone, only in each case after hours to have the agents say they couldn't do it and to call back ). I have emailed XXXX every day for more than a week and gotten no response, which, on top of the prior negligence, is a new level of criminal negligence. I also have left at least 5 phone messages with HSBC 's executive office ( not with XXXX ), none of which have been returned. It is clear that because HSBC is closing its US personal account, it could not care less. I have spent days trying to deal with their negligence and recalcitrance, which has reached unbelievable levels. XXXX 's contact information is XXXX XXXX XXXX | Customer Relations | Executive Office HSBC Bank USA, N.A. XXXX XXXX XXXX XXXX, NY XXXX XXXX
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-30
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: My CD was classified as a dormant account and I am unable to access my funds. According to HSBC, an account is classified as a dormant account if there is no activity on the account in 3 years. My CD account was rolled over in XX/XX/XXXX. On XX/XX/XXXX, I transferred {$340.00} out of the CD and rolled the balance into a 1 yr CD. Upon maturity of my CD on XX/XX/XXXX, I discovered that my CD account is classified as dormant. I filled up the relevant forms to remove the dormancy status on XX/XX/XXXX. I was told that it should take 2-3 days. I have called customer service a few times and each time, I am told that the account is still dormant. As of XX/XX/XXXX, my account is classified as dormant and I am not able to access my fund.
Company Response:
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2022-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: COMPLAINT No.1 : In early XXXX, my wife ( XXXX, mortgagor ) and I ( XXXX ) agreed to a mortgage modification agreement with HSBC Bank USA N.A . in connection with a property consisting of four lots located at XXXX XXXX XXXX XXXX. in XXXX, NY that they had purchased in XXXX of XXXX. As a condition, HSBC exercised its right to set up an escrow account for the payment of property taxes and insurance on the property. Although we then made timely payments from XXXX through XXXX of XXXX, we learned in XXXX from their purchaser that three of the four lots securing the mortgage had been sold at auction by the county for non-payment of the full amount of property taxes due. Considering this to have been a material breach of contract by HSBC, we notified HSBC that we were suspending payments and began trying to engage it in a substantive discussion of the matter. COMPLAINT No.2 : In XXXX of XXXX HSBC XXXX fully aware of the status and condition of the property - offered to take title to it by deed in lieu of foreclosure and promised us a {$7000.00} relocation payment if we vacated the property and left it broom clean by the end of XXXX of XXXX. We accepted and performed to HSBC 's documented satisfaction within the time period specified, only to learn in XXXX of XXXX that HSBC would not honor its commitment due to a question of title marketability raised by XXXX, which was based on an erroneous assumption by that agency. All further attempts by us over the next two years to arrive at a mutually acceptable resolution were met by responses by HSBC that can only interpreted as a complete unwillingness to further discuss the matter in a substantive manner. COMPLAINT No.3 : In an attempt to explain the grounds for HSBC 's unwillingness to take responsibility for neglecting to pay the full amount of property taxes due back in XXXX, HSBC Vice President/Head of Customer Relations XXXX XXXX, in a letter to us dated XX/XX/XXXX ( copy provided by her to CFPB ) made a materially false statement to the effect that HSBC has advised us that it was making payments on only " the lot that contained the home '' ( her words ), and not " the other three lots. '' To substantiate this claim, she referred to a letter from HSBC to us dated XX/XX/XXXX ( predating by over a year the coming into force and effect of the mortgage modification presently in effect ) which contains no mention whatsoever of HSBC 's actually separating the lots or treating them differently for any reason or purpose. Furthermore, neither the mortgage modification presently in effect, nor any correspondence or notice from HSBC associated with it makes any mention of HSBC 's intention to escrow for taxes and insurance on only the one improved lot. COMPLAINT No.4 : Counting our down payment, loan and escrow payments, improvements, and the cost of vacating, we have invested close to {$100000.00} in this property. The best HSBC has been able to come up after five years of inexcusable delays and its effective denying us of the use and enjoyment of our property for that entire time is to increase our relocation payment by {$3000.00} to {$10000.00} for a deed in lieu transfer of title. COMPLAINT No.5 : Finally, our cost of living has been higher over these past several years due to our inability to recover any of our investment in the property thus far and the derogatory credit reports HSBC has been submitting to the credit reporting agencies. Both my wife 's credit score and by extension, mine, are so low that we can not qualify for anything but the highest interest rate credit cards and are unable to borrow for any kind of refinancing on the property we presently occupy.
Company Response:
State: FL
Zip: 34231
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Date : XX/XX/XXXX To Whom it May concern I would like to bring following facts to your attention and request amicable solution. My company ; XXXX XXXX XXXX XXXX is US based organization doing export business especially with XXXX. During first week of XX/XX/XXXX, I approached HSBC to open Business Account and met XXXX XXXX XXXX Vice President XXXX Relationship Manager XXXX Spectrum Center, XXXX XXXX XXXX . I explained to her the reason to open Account with HSBC which was International Banking and I also emphasized that Transactions will be involving collection of payment against the documents from Overseas. She confirmed that the bank provides this facility and this was the reason I opened my account with HSBC, otherwise I had Business Account with XXXX XXXXXXXX XXXX. On XX/XX/XXXX via Email, I was confirmed that new business checking account is open and I was provided all the details truncation fees etc. I start operating the account and on XX/XX/XXXX I received wire transfer from my overseas and another wire transfer was received in my account on XX/XX/XXXX. I visited XXXX XXXX office around XXXX XXXX and asked her the fee for the transaction to collect funds from Overseas Bank. She sent me the charges schedule via email on XX/XX/XXXX. On XX/XX/XXXX, I requested via email to XXXX XXXX about the procedure to submit the documents, I received the automatic reply that she is away and will be back on XXXX of XXXX On XXXX XXXX, I sent another email with the idea that she might have returned but again received automatic answer that she is away. I visited the Branch to discuss around XX/XX/XXXX XX/XX/XXXX and met XXXX XXXX XXXX, Manager and asked him about the procedure for submitting the documents. His answer was that we do not do this kind of transaction, which was very disturbing to me as my shipment was ready to leave the next day. I tried to approach thru customer service to find the right person and finally I was successful to converse with XXXX XXXX and advise that someone from relationship team will advise you further. ( Copy attached ) On XXXX XXXX, XXXX I received email from XXXX XXXX in which he asked structure and amount of transaction, as well Name of Bank, which I provided. On XXXX XXXX. I received reply from XXXX XXXX that we do not have any corresponding relations with this bank. ( Important thing to note that XXXX XXXX did not object on the size of Amount but only on corresponding Bank ). On XXXX XXXX, XXXX I requested XXXX to provide XXXX name of banks on HSBC Correspondence list. On XXXX XXXX, XXXX, XXXX XXXX provided with two names of the Banks as HSBC Corresponding Banks in XXXX. On XXXX XXXX and XXXX I requested confirmation, if my client can use those Banks. On XXXX XXXX, XXXX, I was informed via email by XXXX XXXX that we are unable to help you with the transaction based on Volume.
Company Response:
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX XXXX ( Owner and Servicer ) and I had a HELOC agreement on XX/XX/XXXX. HSBC USA Bank, HSBC Holding PLC, which owns XXXX XXXXXXXX, was found guilty laundering XXXX XXXX and other financial crimes. The DOJ DC signed an Adjudication Agreement with them for Money Laundering and Other Financial Crimes with a {$1.00} XXXX in fines, dated XX/XX/XXXX. On XX/XX/XXXX, I sent my last payment and invoked my XXXX XXXX XXXX to protect my home from sale or seizure. HSBC USA could not profit from a convicted crime. HSBC USA closed all their Mortgage Service Division by XX/XX/XXXX, per the XXXX XXXXXXXX Report. HSBC entered into a Consent Judgment Agreement ( XXXX ) for their customers who were threaten with acceleration foreclosure during that period if litigation. I was threatened with Acceleration for Foreclosure but did not receive a notice to file a claim since my HELOC was fraudulently recorded with the Property Clerk of XXXX XXXX Texas to be owned by XXXX XXXX Participation Trust ( which is an entity not registered with Texas XXXX ) and XXXX XXXX XXXX XXXX XXXX, the Servicer in XX/XX/XXXX. I believe HSBC sent the notice to XXXX XXXX XXXX XXXX XXXX XXXX HSBC sent out electronic letters on my HELOC account # XXXX stating the transfer to XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX. However, those letters were a part of a Class Action Lawsuit Against XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. as Trustee for XXXX XXXX XXXX XXXX, etc. in XXXX. They violated the FDCPA, FCRA, TILA, RESPA rules for transfer, assignment, purchase of a trust/securities/mortgages. In the State of Texas, XXXX XXXX XXXX XXXX is not registered to do business and initiate litigation. Therefore, XXXX XXXX does not own my property. I am a Protected Member of that XXXX. I was protected from any litigation toward my property. XX/XX/XXXX, Securities Instrument # XXXX was filed with the Property Clerk stating that XXXX XXXXXXXX was the Owner and XXXX was their Servicer had transferred/assigned my property to XXXX XXXX XXXX XXXX ( Owner ) and XXXX XXXX XXXXXXXX XXXX XXXX ( Servicer ). There was a break in the filing of securities instrument because XXXX XXXXXXXX did not file a security instrument changing the servicer to XXXX XXXX XXXX XXXX XXXX XXXX EVER! I never received correspondence from XXXX XXXXXXXX notifying me that they were no longer the Servicer of the HELOC. I sent a QWR to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and with ever notice of transfer. XXXX XXXX did not respond to the Qualified Written Request to send a copy of the contract and/or Trust Agreement Page between XXXX XXXX and XXXX XXXX XXXX XXXX They did not respond to the included request for fiduciary accuracy. Since XXXX XXXX XXXX XXXX did not have an address, only a c/o XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX did not respond for XXXX XXXX I refused to accept that I had a contract with XXXX MPT. XXXX continued to harass me with collection letter and phone calls. for months. XXXX would never send a contract proving that a legal transfer existed. XXXX XXXX did not own the debt ; it couldn't because it is not a registered entity in Texas. FDCPA prevents the harassment I suffered for years when XXXX XXXX continued to lie that a contract existed with XXXX to be their Servicer when they could not do business in Texas. They had no contract and could not own the debt. XXXX XXXXXXXX would not return my phone calls for proof a sell to XXXX XXXX XXXX XXXX in XXXX, XXXX, XXXX, XXXX, XXXX. On XX/XX/XXXX, XXXX XXXX XXXX " On Behalf of HSBC US MTG Servicing Oversight '' sent an email at XXXXXXXX XXXX, with an account ledger detail displayed a Balance of {$0.00} as of XX/XX/XXXX. I requested more detail of the accounting and if the property was assigned. I received no answers to all of my emails to HSBC XXXX XXXX, HSBC US MTG LIT, and XXXX XXXX. I have a copy of a letter from Attorney XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 's Debt Attorney which stated " Our file was closed on XX/XX/XXXX, due to the payoff of the loan. Please contact XXXX XXXX XXXX XXXX XXXX directly at ( XXXX ) XXXX for any additional information ''. I also have a XX/XX/XXXX statement from the XXXX Website Accounting Department which states the loan balance was XXXX. XXXX XXXXXXXX did not respond and allowed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to knowingly file a frivolous lawsuit against me for a debt I did not owe in XX/XX/XXXX. In XX/XX/XXXX, a federal court awarded my property to XXXX XXXX XXXX XXXX XXXX XXXX There were many improprieties in the juridical administration of the case. XXXX has no record of being the owner of my contract with the property clerk. I believe XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXXHSBC USA are part of a XXXX in which they conspired to defraud me of my legally protected homestead property with hundreds of thousands to launder money into the XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Registered with the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was Global Head of Real Estate for HSBC since XXXX. He retired in XXXX. HSBC USA closed their Mortgage Services Department by the end of XX/XX/XXXX. XXXX XXXX became a member of XXXXXXXX XXXX XXXX in XXXX. I believe with his, XXXX, assistance/connection, XXXX and HSBC were XXXX to become predators to defraud XXXX XXXX Mortgage/HELOC Customers of their legally protected homestead property when they withheld vital QWR information proving the transfers were not legal and filing fraudulent securities with the Property Clerk and a frivolous lawsuit. XXXX XXXX and/or HSBC USA should have sent a " Release of Lien '' and a check to XXXX XXXX XXXX XXXX, it was sent to XXXX XXXX XXXX, in XXXXXXXX XXXX XXXX did not respond to any inquiries because providing those records would be evidence that a conspiracy and fraud existed by those parties. XXXX XXXXXXXX did not invoke the XXXX XXXX XXXX # XXXX which I included in the XX/XX/XXXX payment letter. It should have been invoked for all of XXXX XXXX Mortgage Customers. Corporations are withholding required documents in order to defraud Homeowners of their property. The QWR must be enforced. Corporations lie to the Court with hearsay testimony and do not provide contracts of assignments and fiduciary accuracy.
Company Response:
State: LA
Zip: 70503
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Back in XX/XX/XXXX I receive a letter from HSBC Bank USA that all my accounts with HSBC Bank USA will be transferred to XXXX XXXX due to a recent acquisition of HSBC US by XXXX. Since then I have got several letters with information how all my accounts incl my XXXX XXXX Account will be transferred to XXXX by XX/XX/XXXX. We are now getting closer to the actual date of transfer to XXXX XXXX which will take place around XX/XX/XXXX. Despite what all the information letters I have gotten from both banks shows, I now yesterday and today by coincidentally speaking with HSBC customer service on other mattersXX/XX/XXXX find out that my XX/XX/XXXXAccount with HSBC will not be moved to XX/XX/XXXX something I have not been informed about elsewhere. HSBC can not give me any explanation why this is now the case and they tell me they can not change this. This is a very unfortunate situation to put thousands of clients in ( I am sure I am not the only one in entire US having this problem now ) because I will now have to deal with two banks in my daily life going forward instead of one which is completely against my will and might also more long term affect my credit scores negatively. A negative effect on my credit score from this potentially could have substantial economic impact on me due to an acquisition and joggling of clients bank accounts between HSBC and XXXXXX/XX/XXXXwhich is completely out of HSBC clients hand and we have no say against it. I find this random joggling with trusted and good customers bank accounts and credit cards between two banks very critical and completely unacceptable and can impact bank clients substantial negatively both short term and long term. Therefore I kindly file this compliant which I very much hope and would be very thankful if FTC would take up, go into and try to solve so HSBC clients do not end in this bank account and credit card limbo being randomly split from one bank into two banks in the daily life.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Attached is letters from a supposedly law firm trying to collect money. I viewed my credit reports and found no such debts. Account # XXXX Client : XXXX, XXXX, XXXX & XXXX XXXX LLC Claim # XXXX Amount : XXXX, XXXX offer of XXXX. I called and asked who the company was and they only gave me " HSBC bank ''. They also gave me a date of 2018 and the name XXXX XXXX XXXX. I have never heard of this company and the date doesn't coincide with any action or purchases I have ever made. Again, I searched my credit reports and there are no coincidences. They're phone number is XXXX ( XXXX ) XXXX Website : XXXX This is the only correspondence I have received to date. Thank you for your help,
Company Response:
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have called over three month to close my account with HSBC. They confirm the account is closed, but later I again discover is was not closed. It is a dispute for {$4.00} pending, but this should not stop the account closure. HSBC XXXX XXXX Mastercard Change account Card number : XXXX
Company Response:
State: CA
Zip: 95121
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A