Date Received: 2021-11-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I stopped using one of my XXXX account in 2020 and did not think to deactivate it, but just recently I went back on that account to check some orders and I noticed that there was a strange expired bank credit card HSBC Revolution Visa Platinum Credit Card under my name and address that I never made. I tried calling the bank but no one answered so will try again tomorrow. I went back to XXXX account and tried looking for more details to find who has been using it and discovered a name and address. This person ordered some stuff in 2020 and had been deleting his order history so it took me a while to find his info. I managed to find a invoice with his name : XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, NC XXXX United States XXXX I do not know if he is still located at the address since the last item was ordered in XX/XX/2020. I do not know if he still has the credit card that has my name on it so I want to report everything before he uses my information for anything else. I reported this to XXXX today and they are currently in the process of looking into it because I have been charged for XXXX prime for almost a year since this occurrence. I have another XXXX XXXX account that I have been using so I did not think to check that I have been being charged for two XXXX XXXX membership.
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have credit card issued with HSBK BANK for two years, perfectly paid and few time used. Line of credit {$4200.00}. Now with out communication or letter they process to reduce the line of credit from {$4200.00} to {$950.00}. That means from 22.12 % balance to 95.28 %, that was reported from XXXX and my FICO going down unfortunately. This really unfair for every customer that have a good relation and proper payment in any credit card they act unprofessional and playing with the financial situation from everybody. I would like to know if I have any consumer right from this type of situation or not!
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have rec 'd several calls from a company and they have contacted former family members to locate me. They told that member that I owed money to them. The company said that they are XXXX and they claim that the debt is from HSBC for a {$500.00} credit card that was never paid. When I refused to give them my social, they became belligerent and said they would take me to court. I told them that I pay my debts and if it truly is my debt I will pay but I must see proof, asked them to mail via the XXXX Mail. I have not rec 'd anything but they have called several times since. On XX/XX/2021, XXXX rec 'd a text referring to phone # XXXX, XXXX # XXXX. I called the number and spoke with XXXX XXXX. She repeated my birthdate and my social. She then told me they were suing me and I would be responsible for cost of over $ XXXX. When I repeated that I wanted proof she said they had mailed proof and then she said 'Good Luck in Court ' and hung up. I do not have a credit card with HSBC. I checked my credit report and there is no indication that I have had or have a retail card listed with HSBC. My credit is in good standing and I pay my bills. I have no reason to believe this is my debt other than the phone call. There are so many scams out there that I don't know if this is a scam or not. If I owe the debt, I have no problem paying but I am not going to pay without proof.
Company Response:
State: SC
Zip: 29341
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have checking account and credit card in HSBC bank USA from XXXX. This year ( XXXX ) I noticed there was one time annual fee XXXX $ charged on my credit card account for first time. I did not see annual fee for my credit card account for past eight years ( XXXX ~ XXXX ). I chatted with HSBC on XX/XX/XXXX and got the information I will get XXXX $ back if I close my credit card account. I closed my credit card account and three weeks after, I did not received the check then chatted with HSBC on XX/XX/XXXX again, I got the information XXXX $ will be deposited to my checking account in 2~3 business days. After 2~3 business days, I did not receive it and chat with HSBC on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, every time in chatting, I was told the fee would be deposited into my account in 2~3 business days, but never received it.
Company Response:
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: I sent a wire transfer from my HSBC account to my XXXX XXXX XXXX XXXX account on XX/XX/XXXX, the XXXX is XXXX, XXXX XXXX checking was not able to process this wire on XX/XX/XXXX due to the wrong routing number input for some reason. Subsequently, they initiated a return/refund with XXXX XXXX. I'm submitted this complaint end of business day on Friday XX/XX/XXXX after back and forth with HSBC for several days, they're still not able to provide any information with regard to the dangling wire transaction ( in the amount of {$5000.00} ) and the fund has not yet been deposited back to my account.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Affirmative Complaint Against HSBC FOR FRAUDULENT DECHIEVING BUSINESS CONDUCTS- LURING PEOPLE TO OPEN BANK ACCOUNTS FOR THEIR OWN BENEFITS On or before XX/XX/XXXX, we noticed the HSBC bank promotional web advertising Little step, big money with up to {$600.00} Cash Bonus. On or about XX/XX/XXXX, we opened the bank account through their promotional website link. On or about XX/XX/XXXX, at XXXX XXXX, we called the HSBC bank at XXXX and talked to one of their customer service representatives, XXXX, double checking this account opening promotion. He said to meet any one of the accounts opening qualifying conditions : 1. Balance of {$75000.00} in combined U.S. consumer and qualifying commercial U.S. Dollar deposit2. Monthly recurring direct deposits ( see attached their printed letter page 2 ) and after eight weeks, which is around XXXX of XXXX. On or about XX/XX/XXXX, seeing no bonus funds, we made a few calls, talking to XXXX and other customer representatives, and were informed that we needed to wait six months plus eight weeks to receive the funds. It means that they will hold our money till XX/XX/XXXX. Not knowing all these requirements, we had to wait till then. On XX/XX/XXXX, at XXXX XXXX, again not seeing anything, we called and talked to XXXX and XXXX. They told us that they would talk to their back office and investigate this matter and called us back. On XX/XX/XXXX, not receiving any calls from them, we called at XXXX XXXX. We talked to a lady, XXXX, and were connected to XXXX. They said this issue had been resolved and we would see the bonus in a few days. On XX/XX/XXXX, at XXXX XXXX, still not seeing anything, we called and talked to a person named XXXX. He promised to check and call us back. On XX/XX/XXXX, received no call from them, we called and talked to Ms . He at XXXX XXXX. She said she would talk to the people in the back. We gave her what we had got from their rep. XXXX. She said XXXX was no longer working there. On XX/XX/XXXX, we called again and talked to a persona named XXXX. She denied all and said we must do direct deposits to be qualified. We want to file this complaint and believe that it is serious fraud and deceit.
Company Response:
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2020 hackers accessed my XXXX account and three unauthorized orders of cell phones from XXXX were purchased using my HSBC debit card. None of these orders were authorized. See all three orders attached. Note that one was caught as fraudulent and canceled by XXXX ( when they froze my account as it was hacked ), one was disputed and refunded, and the last was not refunded. Another order was refunded after I initiated a dispute. The third order, for {$960.00}, was disputed, but denied in dispute by HSBC. It should be very obvious to HSBC that I would not purchase 3 phones in the span of 2 minutes at XXXX in my local time. This is why XXXX recognized my account had been accessed without authorization and froze my account and reset my password. In HSBCs response to me, HSBC made note of the sellers response, but did not reference my letter or evidence provided to HSBC previously. This is very obviously a fraudulent purchase and should be refunded in full, as I noted in my many letters to HSBC. No refund was given. Im attaching multiple conversations with XXXX customer support, and the merchant, where I alerted them to the fraudulent purchases. Refunds were issued for the {$1000.00} and {$690.00}, but not for {$960.00} as the merchant has been uncooperative. HSBC refused to refund the amount and ignored my many letters and didn't return my many phone calls and voicemails.
Company Response:
State: WA
Zip: 98118
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was a loyal customer of HSBC for many years, however, my account was closed without any notification recently. I received their eStatement on XX/XX/2021 and was told that the account was closed on XX/XX/2021 due to no activity. I used their mobile apps occasionally to check my balance. I also have their email confirmation that they have my correct address. They just closed my account without any notification and turned over my money to the state abandoned property. Their excuse is that they tried to reach me with different address. However, as I mentioned that I have proof that they have my updated address. I can not believe that a bank treating their customers like this will survive.
Company Response:
State: IN
Zip: 46074
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I reached out to both the creditor ( HSBC ) and XXXX concerning the debt that isn't mines. XXXX was noticed via USPS certified mail with returned receipt on two occasions starting 3 months ago. I'm yet to get a reply in the mail. I have the returned receipts in my possession as evidence dating back to XXXX and XXXX respectably. Today I decided to contacted XXXX, this time by telephone since I'm yet to receive any documents with a plausible explanation or results concerning my dispute. The representative from XXXX claimed they removed the item but it was placed back on my credit report by the creditor ( HSBC ) and moreover, that they could not remove it again and I couldn't dispute the account again. The representative refuse to accept my request to dispute an inaccurate account. After explaining to her I've contacted the creditor. She claimed that it was nothing she could do for me. I'm dumbfounded by the red tape here. I need your assistance.
Company Response:
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not confident that XXXX Credit Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX is reporting inaccurate information on HSBC BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A