Date Received: 2021-11-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had two credit cards with HSBC credit card services ... ..one of which HSBC for some reason showed I had a XXXX balance online for several months, only to reportit as charged off, in which I contacted them to inquire, and they made an error on their part, and said they would fix the credit report error and restore the account so I could continue making payments. I attempted to log in and was unable to setup payments, sent them an email, only to have them AGAIN report it on my credit as a charge off. Contacted them AGAIN, only to have them admit error again, and they would correct everything, in which they sent me a response issue was fixed, I log in to my account to attempted to make a payment AGAIN, and unable to do so, and I send them another email advising I'm unable to setup a payment online, and a few days later, again they reported a charge off on my credit report ... ..to which I sent them an email, and haven't heard back at all.. I have all email correspondence, screenshots showing the balance was XXXX for several months, and screenshots showing records on the same account showing it was charged off three times within 6 months. I'm currently seeking legal counsel as this has impacted my ability to apply for credit to purchase a home, and caused multiple credit cards to increase my interest rates, causing me further financial stress, which has caused stress, resulting in XXXX XXXX XXXX and several trips to the hospital with the cost of prescriptions, and potentially damage to my long term health as a result. I don't care how many of the best lawyers they have, I will unleash this information on every media outlet online and post names of the individuals from emails who said they would fix the issue but failed to over and over and over again.
Company Response:
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Hello, On Wednesday, XX/XX/XXXX I began receiving repeated calls ( at least 4 ) to my personal phone number with an automated message which is as follows ; This message is intended for ****. We've been retained to process and facilitate a civil complaint. Which means you as responded. It is protocol to locate you, either your place of employment or your residence in order for you to be served prior to our client taking legal action. We are attempting to contact you first directly in order to give your statement of descent through mediation. Please contact the mediation department at ( XXXX ) XXXX XXXX. Otherwise, we'll have to list it as a direct receivable. And you'll be notified to appear. This is your official notification. I returned the call the same day, no answer, no company name, no option to get to different departments. They called again on Thursday, XX/XX/XXXX and I answered. The caller identified me by First/Last Name and last 4 of my Social Security Number . They recounted an old credit card through HSBC ( no account number ) that they state was closed off in 2016, I do not have a credit card closed in 2016, nor do I have any charged-off, or in-collection credit card debt. The caller stated that I would be served to appear in XXXX County Court and would provide no information, including account number, or even their full company name, the caller only answered the phone with " XXXX ''. These are the numbers they called from ; XXXX XXXX
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: debt was started with HSBC in form of credit card approximately year XXXX. After financial difficulties I was no longer able to pay debt. I owed XXXX dollars or so as balance. After communication with XXXX XXXX in XXXX, I stated debt was old and uncollectable however XXXX agent stated that the clock to recovery was reset due to my communicating with agent. Phone calls are daily on home phone and cell phone. I recently checked my credit and XXXX is not listed but I still get harassing phone calls.
Company Response:
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Here is my original complaint #, with XXXX satisfaction :. XXXX The " company response '' was to send me a another " late '' bill with an added XXXX " late '' fee. They still can not accept payments online, through their app, or via phone.. I am not paying any of these fees, they're all as a result of their payment processing failure/non-existence, seems like a pretty good scam to me.. I want the account closed and their illegitimate fees withdrawn.
Company Response:
State: OR
Zip: 97702
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Consumers are provided the opportunity to freely dispute inaccuracies on their credit reports as reported by creditors without retaliation. On XX/XX/2021 I reviewed my XXXX credit bureau and noticed that HSBC Bank USA, N.A had incorrectly reported my balance due on my open card ending XXXX. I submitted a request for an online investigation via the portal of XXXX 's Credit Dispute system. After carrying a balance on my account for ~6 months and making monthly payments, often in excess of the monthly minimum payment due, I paid the entire balance off in full. I also paid the balance of ALL my other credit cards off at the same time so that my balances reflected a - $ XXXX. After submitting my payment, HSBC failed to update the status of my account to reflect my payment history and the now current balance. I submitted my dispute for them to review the payment history and HSBS subsequently retaliated against me for using the dispute option and they reduced my credit limit from {$6500.00} all the way down to {$500.00} and sent me a letter that states the following : ( All of which are inaccurate based on the PAID IN FULL status of ALL my accounts ) 1- Amount own on revolving accounts is too high. ( False ALL balances were XXXX at time of letter generation ) 2- Proportion of balances to credit limits on revolving accounts is too high. ( False ALL balances were XXXX at time of letter generation ) 3- Proportion of balances to credit limits on revolving bank/national revolving accounts too high. ( False ALL balances were XXXX at time of letter generation ) 4- Length of time revolving accounts have been established. ( Account was approved with {$6500.00} limit with lesser credit history prior to my dispute ) I have called multiple times to speak to agents who are allllllllll to incompetent to understand what happened and provide a blanket statement of " We mailed you a letter '' ( mentioned above ). It is 100 % clear that HSBC Bank as retaliated against consumers for utilizing the options afforded them by regulatory agencies such as the CFPB. During first contact with HASB customer service the agent indicated that upon review of my complaint they have taken action on my account. CLEAR DISCRIMINATION for filing my complaint for their inaccuracies.
Company Response:
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Everything started off with a check that I received in the mail. I received an email telling me to expect one for the contract I signed up for months ago that offered me money for putting advertisement vinyls on my vehicle. They said the amount they were sending me would be for the cost of putting the vinyl on my car. I receive the the check, deposit it into my HSBC checking account via mobile deposit around the middle of XXXX. ( I dont have the exact date, youll see why later. ) 2 days go by and nothing has been deposited in my account. I go to log in through the mobile app and an error message pops up saying that my account was suspended. I called the next day to talk to customer service. The customer service team could not help me because the security team is only open from XXXX to XXXX. I call the next morning at XXXX XXXX and speak to customer service again and they forward my call to the security team. The lady on the phone confirms the deposit I made and said that my account is under a 5 day review and that I do not have access to my account during this time. She mentioned that it was a fraudulent check. I signed up for an advertising company and had no clue that this was going to be a scam. After 5 business days, I call back and ask for an update. Customer service team forwards me to the security team again and a different lady tells me that my account has been recommended for closure. I did nothing, but as long as I get my money, I dont care. ( The money thats previously in there, not the deposited check. ) The lady that I spoke to said that as soon as the account was marked recommended for closure the closure team receives a notification and a check is immediately made out with the remaining balance of whats in the account. She said to wait until Wednesday to receive the check. Then, on Thursday ( due to COVID-19, I gave the USPS an extra day ) I called back asking if they sent my check out yet. I was forwarded to the security team once again and the lady told me that after the closure protocols take up to 30 days. It went from 5 days to check written immediately, to up to 30 days. I call in today ( XX/XX/2021 ) and ask to see if it had happened to be sent out yet ( 15 days into the review ) and they said no and that they are still completing their closure protocols. After asking how long that takes just to confirm I would get the same answer, the agent tells me she doesnt have a clue. I asked if she could give me estimate, a day? A year? She said not a year but couldnt narrow it down any more than that. When I started asking her more questions, she forwarded me to the agent that was handling my closure account process. All this did was let this member of their team tell me how irresponsible it was to deposit a check that I didnt know the funds were good for. Im sorry, but no one calls the bank to make sure EVERY check is good before depositing it. Every time I asked him a question he would continue to ridicule me about how reckless I was for depositing that check in which I said I have clearly learned my lesson and that I would just like my over {$2000.00} dollars in my account to be sent to me. He said it takes about 30 or more BUSINESS days. Again, no definite timeline, but with the added business element to the date. So from 5 days, to immediately, to 30 days, to I havent a clue, to 30 OR MORE business days. I just want the money that is owed to me. This is causing my bills to be late and will inevitability cause credit score issues. I just want my money. I dont care about this fraudulent check with this fraudulent advertising company. I just want HSBC to send me my money. I sent in a complaint via cfpb and they replied with something that didnt give me ANY information really. Just an apology for the frustration basically. UPDATE : I called today ( Monday, XXXX XXXX ) and they are telling me it could take up to 90 DAYS???? Is this even legal???? So now, from 5 days, to 10 days, to 30 days, and now its 90 days! Seems convenient. Next time I call in Im sure it will be 180 days. I dont know how a bank is allowed to do this.
Company Response:
State: IN
Zip: 46202
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX and HSBC Bank are reporting false information in my credit report. I disputed the information. They sent an email saying they had changed it. However they will not let me see my credit report nor will they let me login to the website. I requested they send the information by mail as required by the fair credit reporting act.
Company Response:
State: MI
Zip: 49418
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was been paying a no interest debt every month and my statements do not accurately reflect the outstanding loan balance as XXXX XXXX XXXX continually bills me monthly with a higher balance then I owe. I've tried to contact numerous times both by email and phone number and given the run around every time. The last time I spoke to XXXX XXXX XXXX XXXX XXXX was XX/XX/2021 and most recent email was XX/XX/2021. When I'm able to speak with XXXX or other assistants, I ask direct questions regarding contact the XXXX XXXX XXXX directly and given an entry level contact email that in turn puts me through the same run around as she said : " The attorney is in trial, but I spoke with him and I don't have authorization to give you his email ''
Company Response:
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/XXXX I received a voicemail that stated ( XXXX XXXX ) not my name. They were reaching out to me due to a pending notice of action that came out of the XXXX XXXX area. His name was XXXX XXXX. He was contacting me on behalf of XXXX XXXX, so due to no contact on my behalf I am instructed to call XXXX with reference number XXXX. They have another number from XXXX California ( XXXX. This number is not active? They also called my mother in Arizona, threatening to sue. If I did not respond by XX/XX/XXXX ( yesterday ) they are taking aggressive action to sue me for {$1000.00}, from HBSC Bank for a mortgage or credit card from XXXX. I have been on XXXX since XXXX. I have already filed a scammer report with the XXXX XXXX XXXX
Company Response:
State: CA
Zip: 95624
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I signed up for a HSBC checking account with a {$450.00} dollar bonus offer. I waited and completed all of their qualifying activities. I called to inquire about this and HSBC said I never signed up for the bonus. They took my hard earned money and defrauded me out of an offer. This bank is engaged in fraud and should be investigated for misleading customers. Their own system timed out when I was filling out the application. Then I filled it out again and was approved. They refused to honor my bonus because of their own technical issue and I had to put all my direct deposit on their account, but they never gave me the bonus I deserved. This bank gave the worst feeling I've had with an institution, I felt cheated.
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A