Date Received: 2021-12-31
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Dear XXXX, I opened HSBC Premier Checking Account under a {$450.00} Welcome Deposit Bonus offer on XX/XX/2021. In order to receive the Welcome Bonus, HSBCs offer required me to make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to my HSBC Premier checking account for 3 consecutive calendar months from the second full calendar month after account opening. At the time of application, I saved a printed PDF of HSBCs offer that mentions date of application : XX/XX/2021, and lists HSBCs website/URL listed at the bottom of the PDF where I submitted this application. Please see HSBC Checking Account Welcome Deposit Offer - XXXX PDF attached with this complaint. I have already met the Direct Deposits totaling at least {$5000.00} from a third party to HSBC Premier checking account for 3 consecutive calendar months requirements by XX/XX/2021, and therefore, I qualify for the Welcome Bonus as promised by HSBC as of XX/XX/2021. Please refer to HSBC Account summary and transactions- XXXX PDF as evidence. However, HSBC has been constantly denying my welcome bonus by alleging that the account was not opened using the correct promotion code, even though their own websites HSBC Checking Account Welcome Deposit Offer - XXXX PDF clearly instructs the applicants to submit an online application using Apply Now button shown on the PDF which I used to open my account. Over the past 3 months ( from XX/XX/2021 till the end of XX/XX/2021 ), I have made repeated attempts to resolve this issue by contacting HSBCs customer support at XXXX, but HSBC has been denying the bonus even after following up with Customer Support for mor than 10 times over the last 3 months ; and even after HSBCs customer support representatives themselves confirmed that I have met all the requirements of their bonus 3 months back. Their representatives keep telling me that they have followed up with the concerned Marketing department and that they will follow up with me in 3-5 business days, but I have never heard back from HSBC in the stated time frames or have been given any concrete response to my requests. I would be highly obliged if you can please push this matter through with HSBC and please have them issue a {$450.00} bonus to me as promised in their offer shown in the printed PDF HSBC Checking Account Welcome Deposit Offer - XXXX under which I opened my account using their online application system. Many Thanks for your kind attention to this matter!
Company Response:
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX I tried to log into my HSBC account only to see I was unable to log in and getting an error being told to contact customer service. Upon contacting them I was told something about the account being closed and I would need to call again today XX/XX/XXXX to see if they were closing my account. I have been unable to transfer my balance to a different account or do any transactions with my account causing missed payments on some accounts.
Company Response:
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was contacted by " XXXX XXXX XXXX '' regarding an old debt from 2008 in my name with XXXX XXXX. They said they attempted to serve me at an address I haven not resided at in 7-8 years and that they are attempting to file a judgement with XXXX for {$3000.00} ( including legal costs ). I was told the attorneys name was XXXX XXXX and to expect a XXXX agreement which I did and screenshotted. Since they failed to know my current address I looked up the company and attorney name. That name is NOT a legal attorney in California. I also called XXXXXXXX XXXX They stated they DO NOT contract out collections and do not have any account in my name open, closed, or in collections. Also I was living in XXXX when that debt was signed for but also resided in XXXX since. Both states statue of limitations have been not only exceeded but almost doubled XXXX XXXX
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: HSBC is selling it's branches on the XXXX XXXX to XXXX bank effective XX/XX/22. They are keeping depositors that have at least {$75000.00} in their accounts with HSBC instead of transferring them to XXXX if the account is labeled as " XXXX ''. I have more than the minimum in my accounts with them in an " Advanced '' account. HSBC states that the account must be labeled as " XXXX ''. I have asked them to change the account to XXXX and they have refused saying it is too late. I did this early in the year when they announced the sell off of their branches. My complaint is that they should not have kept the date to switch to " XXXX '' secret. This would have allowed depositors time to make the switch. Also, when I ask details about my existing automatic deposits and payments, 7 year history of transactions and my list of payees for checks and if all of that would transfer to XXXX bank, they state they are not sure. They want me to wait until sometime before XX/XX/22 for that information to be provided. This is completely unacceptable and is a poor way to treat depositors who have been with them for decades.
Company Response:
State: NY
Zip: 11223
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Received a voicemail stating I have been officially notified. I called the number XXXX ( XXXX ) XXXX that came up on screen. XXXX said I owed a debt to HSBC for a credit card from 2017. I do not. Said I was being sued for fraud & now I owed {$5000.00} because I hadnt responded to their letters. No letters Said they were going to take everything & garnish my XXXX & annuity. Said she could, possibly, have me call a number & get the sum reduced. I hung up on her & proceeded to call HSBC. They have no records for me. Bank person suggested I check my credit report. I did & nothing there. But, the scam lady read off my social security #. What do I do?
Company Response:
State: SC
Zip: 29488
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: We wired {$80000.00} on XX/XX/XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX, the receiving Bank is HSBC BANK USA, NA. The beneficiary didn't receive the founds {$80000.00}. Then, we asked XXXX XXXX XXXX to recall the founds back, they send three recall message to HSBC bank USA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, But HSBC BANK USA never responds.
Company Response:
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: HSBC has an illegal lien on this property, they charged off the note 10 years ago and sold the account. Since then the note has been sold several times. At this point due to the last co to own the note went bankrupt, and now no one has any information on it. I had the house sold but it fell though because hsbc would not release the illegal loan they they still hold My lawyer requested a release and they refused. Ct Statute say an illegal alien is when the party has now legal claim Which they do not I a XXXX veteran on a fixed income and can not afford a lawyer for This Please make them release the lean I get offers every day for this house but can not sell.
Company Response:
State: SC
Zip: 29526
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I use a credit monitoring service. This morning I received an email from that service that my credit line with HSBC BANK USA was closed without my knowledge. This account has been open since XXXX of XXXX and has been in good standing the entire time. The account had no balance. I was on the phone with HSBC last month on XX/XX/XXXX. At that time the company pulled my credit history and gave me a credit line increase to {$8200.00}. Speaking at some length with XXXX different people this morning I was told that the line was closed for lack of use and that I should have received a letter warning me to use the line or it would be closed in the subsequent billing period. I never received such a letter. I wasn't given any such notice during my call on XXXX. Part of the reason for my call last month was that I knew that I'd be using more credit in the following month to take advantage of some generous offers on other cards and I was adding more credit to not XXXX up my credit utilization ratio. Assuming that this was all a mistake I gave each of the XXXX people I talked with a chance to remedy the situation. None did. Indeed they all told me that I'd need to apply for a new card. The final person said that HSBC wasn't accepting new card applications at this time. This company is terrible. I did all the things I was supposed to do. I monitored my credit. I over-communicated my credit usage in advance. I use their app. I open their emails. I read my mail. I didn't get any notification on the phone with them a month ago, and they admit they didn't bring the subject up. I didn't get any notification by email and they admit they didn't send any. I didn't get any push notifications on their app and they admit there wasn't one. All of my contact preferences on their site are ( and have been for years ) set to email communications and online statements. There are no communications listed from them digitally in their own system for this period. ( see attached screenshots ) For these reasons I find it highly dubious that at a time when they're not accepting new applications, they claim to have sent out a physical letter in the most congested logistical environment in the history of the country. As a consequence, my credit will suffer. It will b e more difficult to get credit. It will be more difficult for me to make investments in my business I had scheduled for the new year. It will be more difficult to replace the credit line in part because they made a hard pull of my credit just last month. It will be harder to get credit because a mature line of credit is no longer on my report. This credit line should be reinstated.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My name is XXXX XXXX. I have a checking account at the HSBC USA ( XXXX ). On XX/XX/XXXX I logged in and realized that many unauthorized payments and transfers were made on XX/XX/XXXX and XXXX. without my knowledge for around XXXX XXXX dollars. I reported it to the bank, and they freezed my account. Since then I couldnt reach a customer service rep. And no communication received since then. I really dont what else to do, my account and my money have been freezed for 2 weeks and nobody from the bank seemed to care.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Please be apprised that XXXX XXXX/ HSBC Bank XXXX XXXX XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/XXXX, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. XXXX XXXX HSBC Bank proceeded to completely ignore my validation & continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You also failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. XXXX I would also like to know why is there a Two-year payment history reporting for this account that is in collections, also why is the payment status reporting late 120 days? Both XXXX and XXXX re-aged this account, date opened was XXXX of XXXX, last payment XX/XX/XXXX & closed XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment is n/a & closed date XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment XX/XX/XXXX & date closed XX/XX/XXXX. This account was aged by 20 years by both XXXX XXXX XXXX & both bureaus are reporting false information on my credit report. You are in violation continuing to report. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from both bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. Thank you for your time * In this complaint accompanies proof of my certified receipt, Validation and my credit report.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A