Date Received: 2022-01-17
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 XXXXXXXX XXXX XXXX Over the last 45 days i have been called daily by an automated system from an unnamed firm threatening " legal action if I don't respond to the complain. '' On Thursday XX/XX/XXXX i hit number 1 on my phone and was routed to a woman who stated her name was XXXX XXXX from the " firm XXXX XXXXXXXX XXXX XXXXXXXX and had been retained by the plaintiff to legally collect or pursue action for the debt. '' XXXX stated her " firm '' was collecting for HSBC credit card that charged off in XXXX and that i needed to " pay the balance that day to avoid being sued, reported to XXXX and all of my current accounts frozen and my wages garnished. '' I advised XXXX that the statute of limitations had long passed on this account, it was no longer on my credit even due to age and that she cant threaten me with legal action. XXXX replied that " every time a creditor sells or hires someone to collect the debt the creditor enters a new contract and extends the statute of limitations. '' XXXX XXXX also stated that " I had made payments on the account in XXXX '' which was completely false. XXXX got very agressive demanding payment or she was going to report me to XXXX that day the XXXX, have HSBC sue me and then terminated the call. Friday XX/XX/XXXX XXXX again called back offering me a " last chance '' to resolve it before the " complaint was forwarded for legal action. '' I again stated it was out side of limitations and that she was violating the FDCPA by misrepresenting the debt and threats of action. XXXX again got very aggressive and stated that i had to pay it that day or " pay the consequences. '' XXXX XXXX stated that HSBC never charged it off and that they are who is going to sue me. XXXX then emailed me a demand letter from an email of XXXX with a letter head of " XXXX XXXX XXXX '' which all appear to be tied to a XXXXXXXX XXXX XXXXXXXX XXXX XXXX utilizing address XXXX XXXX XXXX XXXX, XXXX, FL XXXX for both the XXXX and Personal use. XXXX XXXX called again Monday XX/XX/XXXX demanding payment and was confronted with factual dates, AZ law on statute of limitations and the fact that XXXX is only for bad banking issues, rental and mortgage issues/default. XXXX XXXX again reiterated that I would be reported to XXXX and that her firm would have HSBC pursue me in court for the debt. I advised XXXX that the call was being recorded in accordance with AZ law and she didn't care, kept threatening me. I then confronted her directly asking what the consequences were if I didn't pay it to which she would then only say " complaint will be forwarded. '' XXXX again terminated the call once she realized that I knew she was continually violating the FDCPA. This was aggressive, misleading, false threats and clear violation of FDCPA. Threats of legal action, garnishment, and credit reporting of old accounts that can not be pursued in court or reported on credit is unfair and illegal. Misrepresenting as a law firm threatening legal action falsely is illegal.
Company Response:
State: AZ
Zip: 85143
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My car rental company processed a refund to my Debit card, however, they sent it it to my original debit card which was closed due to fraud. So the bank issued me new debit card number, but still tied to the same checking account. The refund was processed on XX/XX/2021 under XXXX : XXXX. To this date, my bank, HSBC USA has not found the money and they have not credited my account. The car rental company says they sent the money under that XXXX, and Bank doesn't know how to look for the transaction. They have given me the run around, they are too busy, it's XXXX, it's XXXX, it's XXXX... everyday there is an excuse and I'm tired of it. Here is the confirmation I have from XXXX Car Rental : From : " XXXX '' XXXX Date XXXX Wednesday, XX/XX/2021 at XXXX XXXX To : XXXX XXXX XXXX : Re : FW : Your XXXX Invoice XXXX from XXXX for I. XXXX Dear XXXX XXXX, Please accept my sincere apology for the delay in response from XXXX and XXXX. I will certainly further address. I have checked with our accounting team and they have confirmed that the refund was processed to the form of payment on file, Visa ending in XXXX on XX/XX/XXXX in the amount of XXXX XXXX. According to documentation your banking institution accepted the refund. With this being said I kindly ask that you partner with your banking institution and provide them the following confirmation code of your refund : XXXX : XXXX. Should you have any further questions or concerns feel free to reach back to us.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: we sent a wire on XX/XX/2021 for {$60000.00} dollars to our supplier in XXXX XXXX, XXXX have sent them over the years hundreds of wires, this particular one was never delivered to them since then, we have contacted our bank numerous times, finally back in XX/XX/2021 HSBC bank who is the reciver bank requested more info, we provided everything immediately but neither us or our bank XXXX bank have gotten no reponse,, we finally decided just to call back the funds in XX/XX/2021, and even with that no response, the reciver has gotten in touch with HSBC XXXX XXXX but they are sayin g HSBC usa must answer, we are stuck and need help, ive attached the original wire documents and i will povide all reference numbers, reference # on the recall XXXX original transaction number XXXX original reference numer XXXX
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Two accounts were opened in XXXX in my name in XXXX. I have never been to XXXX. The accounts are reporting as a collection/Charge Off on my credit report. Name of account XXXX XXXX Bank HSBC Bank ( XXXX accounts )
Company Response:
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: This complaint should be submitted to the following financial institution under the federal regulations of the FEDERAL TRADE COMMISSION and XXXX 'S THE XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to be filed on the following financial institution : HSBC Bank XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Tower XXXX XXXX XXXX. XXXX XXXX This complaint is in nature to the following transaction initiated by XXXX XXXX XXXX, XXXX. Please review the detailed information below produced and provided by XXXX XXXX XXXX, XXXX. This complaint can be used for EDUCATIONAL PURPOSES ONLY for teaching those that need to know and learn about online investing and investing within and with a country like XXXX for all the evidence that will be produced will be truthful information in accordance with the Federal Trade Commission and XXXX Federal Trade Commission. How can anyone go wrong when one place trust in the system or in the process of both countrys rules, regulations, policies, procedures, applicable laws and statutes, and the receiving bank or institution does not and does not or can not answer or respond to the sending banking institutions request for recall and return such funds due to fraud and money laundering. We must validate and see if the receiving bank did surrender an answer or response to the sending bank or institutions request XXXX XXXX XXXX XXXX, XXXX. ) and now everyone must get involved to police these events and activities from ever happening again. Now lets take a look at the proof of such transaction performed by XXXX XXXX XXXX, XXXX. ( PLEASE POST THIS FOR EDUCATIONAL PURPOSES ) WIRE TYPE : XXXX XXXX XXXXXXXX XXXX ET XXXX SERVICE XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : HSBC XXXX XXXX XXXX ) XXXX ID XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RELATED Review the information submitted to XXXX XXXXXXXX XXXX, XXXX. XX/XX/XXXX Amount : XXXX Type : Withdrawal Description : WIRE TYPE : XXXX OUT XXXX XXXX ET XXXX SERVICE XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : HSBC BANK XXXX XXXX ) XXXX ID : HSBCXXXX PMT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-RELATED Merchant name : XXXX XXXX Merchant information XXXX XXXX category : Cash, Checks & XXXX : Other XXXX XXXX currencies in XXXX : ( new ) ( {$5000.00} XXXX {$1500.00} ) HSBC Bank ( XXXX ) XXXX XXXX XXXX Name : XXXX XXXX ( Broker w/ XXXXinancial licenses ) Beneficiary account number XXXX XXXX Shortcut code/bank transfer account number ( shortcut code ) : HSBCXXXX Bank XXXX : XXXX Bank Address : No. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Post date : XX/XX/XXXX Amount : XXXX Type : Withdrawal Description : WIRE TYPE : XXXX OUT XXXX XXXX ET XXXX SERVICE XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : HSBC BANK XXXX XXXX ) XXXX ID : HSBCXXXX PMT XXXX XXXX XXXXXXXX XXXX XXXXXXXX RELATED Merchant name : XXXX XXXX Merchant information : Transaction category : Cash, Checks & XXXX XXXX XXXX Expenses -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Now please contact HSBC BANKING and ask for their official license and certification under the Federal Trade Commission and XXXX XXXX Commissions regulations to receive funds that should be under strict rules XXXX regulations, policies, and specific procedures under both country statutes and laws. When another Bank in Good Faith transfers funds to another financial institution in Good Faith and under good purposes and intentions should the receiving bank or institution too should receive and accept such funds in Good Faith and do exactly what the funds are set out in the disclaimer to do? If funds are for TRADING PURPOSES, then such funds are to be placed in a FOR TRADING PURPOSE ACCOUNT and to be pooled for TRADING PURPOSES ONLY. The receiving bank should have Trading purposes licenses or certificates in their system in accordance with the Federal Trade Commission and Regulators requirements. The receiving bank or institution too should have the true name of the person or accountholder name, date of birth, address for an immediate request by the bank in accordance with Federal Trade Commission Regulations. When a sending bank or institution send out something in good faith and there is an issue or an alert of illegal events or activities should the receiving bank or institution immediately respond and respond with proper documentation that such account or transfer was proper and is in accordance with the Federal Trade Commissions regulations. Should the receiving bank alert the sending bank that such funds have been received and arrived for the intended purposes such as trading? When the receiving bank can not answer the sending bank request to recall such funds or perform a reversal and a Hold Harmless Letter or Letter of Indemnity claim do we have a breakdown in the process so set up and established by the Federal Trade Commission and the XXXX Trade Commissions regulations? When the receiving bank can not notify law enforcement on their end to report this illegal bank account and to report such receiving account as a money-laundering account should we say that such receiving bank is not operating in GOOD FAITH and is aiding and abiding in money laundering? Does the Money Laundering Statue read and states as follows? The Money Laundering Control Act of 1986 ( Public Law 99-570 ) is a United States Act of Congress that made money laundering, a federal crime. It was passed in 1986. It consists of two sections, 18 U.S.C. 1956 and 18 U.S.C. 1957. It for the first time in the United States criminalized money laundering. Section 1956 prohibits individuals from engaging in a financial transaction with proceeds that were generated from certain specific crimes, known as " specified unlawful activities '' ( SUAs ). Additionally, the law requires that an individual specifically intends in making the transaction to conceal the source, ownership, or control of the funds. The law states that there is no minimum threshold of money, nor is there the requirement that the transaction succeeds in actually disguising the money. Moreover, a " financial transaction '' has been broadly defined, and need not involve a financial institution, or even a business. Merely passing money from one person to another, so long as it is done with the intent to disguise the source, ownership, location, or control of the money, has been deemed a financial transaction under the law. Section 1957 prohibits spending in excess of {$10000.00} derived from an XXXX, regardless of whether the individual wishes to disguise it. This carries a lesser penalty than money laundering, and unlike the money laundering statute, requires that the money passes through a financial institution. [ 1 ] [ 2 ] Now after reading the above paragraph should the receiving bank should have acted and responded to the sending bank XXXX XXXX XXXXXXXX XXXX, XXXX. ) in a timely manner to reverse the transaction and immediately notified the local law enforcement agency in their jurisdiction and reported the account holder to local law enforcement. Do we live on the general principles when you see something, you say something? With the above-noted paragraphs in nature to HSBC Banking ( International ), The CFC should immediately contact such financial institutions and ask for the records in response to XXXX XXXX XXXXXXXX XXXX XXXX. request and why such financial institution has not answered or responded to XXXX XXXX XXXXXXXX, XXXX. I the complainant have done everything I am supposed to do, and these funds should be still within the banking system for they should not have ever gone out if the Trading disclosure has not been met. By now the receiving bank should have notified the Federal Trade Commission and the XXXX XXXX XXXX of these crimes to prevent others from falling victims to this criminal network. Any failure on other parts and not my parts is not my fault or responsibility. I paid XXXX XXXX XXXX, XXXX. to perform a legal transaction for legal purposes only and without any intent to mislead such transfer for other purposes. The Disclosure says for Trading Purposes only under the XXXX XXXX XXXX under a licensed agent that XXXX XXXX XXXX should have on file and in their system to be able to set up and establish a trading account. Since such receiving bank will not answer XXXX XXXX XXXX, XXXX. now they should immediately answer Consumer Financial Protection Bureau, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and THE FEDERAL TRADE COMMISSION showing proof that this complaint is not legal, accurate, or truthful. They must produce FACTS on what they sent back to XXXX XXXX XXXX, XXXX. and to show proof to the Consumer Financial Protection Bureau and the Federal Trade Commission and XXXX XXXX XXXX what records they produced and provided to XXXX XXXX XXXX, XXXX, and the local law enforcement agency. To contact the Federal Bureau of Investigation you can go here to file such IC3 Report so that such event of activities can match up. https : XXXX # If I can file a report to local law enforcement and other agencies so should the banking institutions and the alleged people names that are on or associated with these accounts. Everything must iron out and equal out for funds are still missing and still outstanding in accordance with the Federal Trade Commission and XXXX XXXX Commissions regulations. Funds were to be deposited into this XXXX XXXX and XXXX XXXX Trading account under the physical address listed for the record of : XXXX XXXX and XXXX Trading CEO : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXXXXXX XXXX XXXX XXXX ________________________ XXXX XXXX and XXXX Trading XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX No. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX https : XXXX _________________________ Senior Broker/Trader Instructor name is XXXX XXXX her name should be in these records and it is her is the one that can vouch that this trading took place under the Country of XXXX 's Trading Regulations. If XXXX 's law enforcement needs her information, I will assist in whatever is needed for them to deal with her directly. The financial institution should have all legal account information and sworn affidavit and police report showing that such was reported to their local law enforcement agency or agencies and something showing date and time when responding back to XXXX XXXX XXXXXXXX, XXXX. in nature to why these funds were not returned back to XXXX XXXX XXXXXXXX, XXXX. on XXXX XXXX XXXX, XXXX. recall such funds or perform a reversal and a Hold Harmless Letter or Letter of Indemnity claim do we have a breakdown in the process so set up and established by the Federal Trade Commission and the XXXX Trade Commissions regulations? By now everyone should have something on this public matter or request for the safety of consumers in accordance with the Federal Trade Commission Regulations in both countries.
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I've had a credit card with HSBC for a few years with a {$6000.00} credit line with no payment incident or anything. I hadn't used it for a while and there was no balance due. When I tried to use the card recently, it was declined. Yet, when I went online, my account appeared OK. When I contacted HSBC by chat, I was told that they had closed my account for no activity. They said that they had sent me notices to that effect but it can not be true since I did not receive any and yet I keep receiving their Credit Card Newsletter and in addition there is no mention whatsoever of my account being closed on their online banking. I asked them to please reinstate my account and they refused. Then I looked closer and saw that, although my account wasn't closed ( and is still not closed as of today XX/XX/XXXX as you can see on the screenshot attached ), my credit line was reduced to {$0.00}. Upon checking XXXX, I discovered that HSBC had declared my account closed as of XX/XX/XXXX, hurting my credit score for no valid reason. I placed a complaint with XXXX for false information but haven't heard yet. This behavior from HSBC doesn't seem correct, perhaps not legal. I hope you can intervene to stop HSBC in their dubious behavior.
Company Response:
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have an HSBC advance checking and direct saving accounts open in XX/XX/XXXX. I close my checking and saving account on XX/XX/XXXX, but before I close all my accounts, The HSBC representative told me I can still have access to my accounts statements after account closing. Since all my statement is e-statement so I don't have any hard copy. Now I need to check my HSBC statement but I can not access it online since my accounts have been closed. I am giving misleading information before I close my checking and saving accounts, otherwise, I will save all my statements.
Company Response:
State: AZ
Zip: 85710
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Approximately XX/XX/2021 I opened a checking account with HSBC USA. I was eligible for an account opening bonus approximately XX/XX/2021. To date the bonus has not been paid. I have made several inquires and each time I am told it is being investigated and should be resolved in four weeks. Most recently I was advised if I did not continue qualifying transactions that I would not receive the bonus. This is misleading as I should have received the bonus shortly after qualifying in XX/XX/2021. I have learned HSBC USA is selling some of its retail banking to XXXXXXXX XXXX. I suspect this is any attempt to delay payment of account opening bonuses until bank ownership changes.
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Beneficial/HFC never released from the title of my home the lien that was discharged in Bankruptcy on XX/XX/11 for years we have been trying to refinance our home and still can not do anything as we have no way of contacting them.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: On XX/XX/2022, I received a telephone call from ( XXXX ) XXXX a XXXX XXXX they were law enforcement and I needed an attorney to immediately call them back or there would be a warrant issued for my arrest. She said her direct line is ( XXXX ) XXXX. They refused to give me their business name. They said it was in reference to HSBC. I have never received anything in writing from anyone about HSBC. I asked for them to send me proof of anything they had and I gave them my address. They refused to give me their address or fax number or email. They used threatening and profane language and are NOT complying with federal law pertaining to the Fair Debt Collection Practices Act. Within 5 minutes of hanging up my son, XXXX called me and said they had called him saying they were sending the police after me unless he paid them over the telephone. Within 10 minutes of that call my elderly sick mother, XXXX received a call from them demanding that she send them over {$3000.00} or I would be " XXXX XXXX XXXX ''. The telephone number they called her from is ( XXXX ) XXXX but again said it was HSBC. I see online that others have been abused by this " company ''. Please call them and make this stop and please ensure that my rights, and those of others, are enforced and that this company is made to comply with Federal Law. I am XXXX battling XXXX and I don't need to be abused by this " company ''.
Company Response:
State: MD
Zip: 21742
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A