Date Received: 2021-10-15
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Second complaint. Company changed numbers. I was contacted XX/XX/XXXX. Called back 3 times XXXX with no answer. They called my wife at work today threatening a lawsuit they say i owe {$1300.00} from an old HSBC credit card. I asked to please provide me a letter of explanation they got smart rude and obscene then hanged up. I have no way of communicating with them they don't answer my request for documentation. The number belongs to XXXX XXXX XXXX in an XXXX XXXX. They seem to have my last 4 digit social, name and they also know my wife first name. I honestly dont know of this debt and if it ever was true we could be talking decades. Also they keep calling themselves a law firm without explaining who they are and their number does not falls under any business. Please help!!!
Company Response:
State: OR
Zip: 97123
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
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.
Company Response:
State: IN
Zip: 46202
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: HSBC Bank USA, NA Gold Master Credit Card customer made a {$1000.00} payment on XX/XX/XXXX electronically through a bank to bank payment ; the minimum payment requirement had been met previously ; the outstanding balance posted at the online website for the HSBC bank USA gold master credit card showed a reduction of the current balance by the {$1000.00} ; however, the available credit did not reflect the payment several days even after having cleared the customer 's own bank account that made the electronic payment. The customer called and spoke to representatives both in the XXXX XXXX location and the XXXX XXXX location and was told that the payments made would not be reflected in availability for at least 10 business days and that that was due to " afloat. '' Customer flummoxed by this policy with regard to an electronic payment also was advised that in the written terms of the agreement this policy was stated ; however, the customer checked the written documents and couldn't find an applicable section of the agreement and requested that a copy be mailed to him. More egregious was that the sequence of steps that were necessary to make an online did not reflect this policy and only referred to " payment submitted after a particular evening Eastern time will process of the next business day '' " payment can be scheduled after 30 days in advance. '' " Terms and conditions " did not reflect any hold or reminder caveat, as a consequence even though I had made sufficient payment to cover recurring payments that would've been covered by the {$1000.00} payments and would be within the province of the online current balance, since the {$1000.00} payment was on hold and not actually available, new transactions would be rejected and render the MasterCard unusable for the duration of the hold. When this customer called and spoke with the various locations for the credit card department, no remedy or recourse was provided nor was there a sense by this customer that the bank would follow-up and contact me. I advised the HSBC bank representative in my most recent call on XX/XX/XXXX with a Ms. XXXX in the XXXX XXXX location that the website needed to be corrected and that the payment transaction protocol online was deceptive and misleading. HSBC Bank USA, N.A.MasterCard 's online communication is also problematic : calls that I placed to the XXXX location often dropped out ; the website surprisingly is unstable : this customer while processing an online transaction got an error message and an apology that the website couldn't process the payment during the afternoon of XX/XX/XXXX ( error reference # XXXX XXXX XXXX ) Also the " terms and conditions '' rectangle on the make -a -payment section of the website has confusing authorized recipients, for example a recent trial payment using the website has the following terms and conditions : " by clicking the submit payment below you authorize XXXX XXXX card services to debit your account in the amount listed above on the indicated date. '' When I asked the credit card that : " who is or what is XXXX XXXX card services? '' the HSBC credit card rep had no idea ; I queried whether there were a technical support division and was told that " No, '' simply with whomever I spoke that person would create a ticket. ( Providing the customer with no sense of having a meaningful recourse to reporting a problem. ) Furthermore, when this customer wanted to make a " trial {$1.00} payment '' online so that the customer could print out what is seen, the terms and conditions section reflected a different authorizer surprisingly XXXX -- - which is indicated as the company that would be authorized to debit the account. In fin, the holder float policies employed by HSBC bank MasterCard are deceptive and misleading -- - both the written orally stated terms as provided by the bank representative when one calls -- - but more egregiously by the format provided to the customer when making a payment online. This customer plans to discontinue using HSBC Bank USA MasterCard services. Customer found communication options quite limited : the 800 number only defaults to the department located in either the XXXX or XXXX ; there is no fax or direct telephone number or email to the USA division located in XXXX New York and one is provided only with a po box address. ( Customer noted a chat function available at the web page ; however customer preferred to speak with someone rather than getting caught up in typing text, etc. '' ) please note that based on the cautionary advice provided by the service, this customer did not upload the payment section of his MasterCard account.
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My HSBC bank accounts have been suspended with my life savings ( approximately XXXX ), since XXXX My online banking is also suspended. There were several unauthorized ACH charges, which occurred in the months of XXXX and XXXX of 2021. I have never heard nor do business with the merchant, and the beneficiary/receiver of the payment is not me nor someone that I know of. I disputed these fraudulent transactions on XXXX and filled out the written statements. There has been no communication from HSBCs back office since. Whenever I called in, I get the same generic message which states the transactions are in dispute, and theres no estimate time when my accounts will get restored. I would like the management team can escalate this issue, since my living expenses are locked up in limbo. I need a time frame on when the issues can be resolved. Further, I would like to get updated on the current disputes with the person ( s ) thats handling my case, as well as reinstating my bank accounts.
Company Response:
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I contacted HSBC on XX/XX/ because I was unable to add a credit card account ( with another institution ) to their bill pay service. As of XX/XX/ their bill pay service has not be fixed and I have not been able to link the bill pay service for credit card account. Additionally, I signed up for a promotional account opening bonus using a promotional link on XX/XX/. Terms stated that I would be required to make a direct deposit of {$5000.00} for three months ( XXXX, XXXX, XXXX ). The {$5000.00} direct deposit was made every calendar month from account opening to today ( XX/XX/ ) and I have not received the account bonus yet. I have contacted their customer support on XX/XX/ and they claim that I did not use a promotional link. I know I used a promotional link because when signing up for the account using the promotional link, I was able to save a PDF of the terms and conditions of the promotional account opening. I followed up on XX/XX/ with HSBC customer support and was still denied the promotional bonus. I have a transcript of my conservations with the customer service agents.
Company Response:
State: CA
Zip: 91706
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that under no condition am I making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX XXXX XXXXXXXX Fair Debt Collection Practices Act : XXXX : XXXX CREDITOR CONTACT INFORMATION : HSBC BANK NEVADA NA 1 ) This account is so old, that it not only exceeds the legal timeline for collection, but there isnt an address for the actual account posted on a hard copy credit report. That is because the account is over 10-years old, and HSBC has not been in business in my area for over 20 years. The account information was picked up by a debt information pool by XXXX XXXX XXXX illegally. 2 ) The account must be deleted as the necessary timeline to be maintained on my credit report. 3 ) All files held by HSBC Nank Nevada NA must be purged, and any reference to such credit listings must be deleted from XXXX, XXXX, XXXX XXXX and XXXX respectively. Please be advised that this is not a dispute, but a request to review the above listed tradeline, collection or item of public record. I realize that your job as a subscriber to the affiliated credit reporting agencies is a valuable service to the credit community, but as there are over XXXX, ( XXXX ) individuals just in the United States alone that depend on fairness on credit reporting, and mistakes do happen. At no time consider my objective to be a dispute against any of the bureaus, XXXX, XXXX, XXXX XXXX and XXXX respectively. I believe all medical collections if applied against me, should be removed without exception. However, I will negotiate any of those encumbrances if the collection is legal on its merits. I also request the deletion of tradelines if any prior payment histories have been removed or cut from my credit bureaus. In most cases, the 84-month timeline is valid, and my account, if showing a late payment within that 84-month timeline means under FCRA that the account should be removed, or if still a current account, brought to positive status. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act by-laws as mandated. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX XXXX
Company Response:
State: MA
Zip: 01104
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: HSBC do not want to increase my credit limit for my XXXX ending under the pretext I would have " returned checks ''. However, and to the best of my knowledge, I never ever had any NSF check in my life. ( NSF = non-sufficient-fund ) If the bank got a wrong information it must disclose its sources for giving us a chance to correct it and unlock the credit limit in a fair manner. Attached is the HSBC letter showing they have an erroneous information in their data bases.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Again, and as it happens in the beginning of this year, and as reported in XXXX yet, my XXXX Mastercard payments and my good standing with XXXX past due since XXXX have disappeared in the latest XXXX credit report and on balance statement. It is to be well noted that this was fixed for a while after escalating it to CFPB in May, but now the problem comes again. Attached are the XXXX report showing the right data and the XXXX report with a blank section for my HSBC Mastercard. Attached are also the card statements of XXXX and XXXX. In the HSBC Credit card XXXX statement there was not any FICO yet printed because the problem was just resolved. Later on in the XXXX statement, it ended-up to appear but just for a short time as transmission and/or processing is interrupted again. On XX/XX/XXXX I filed a complaint as XXXX had stopped computing and publishing my XXXX score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my FICO scores for more than 7 months. After investigating with HSBC US NA Bank, where I do have a Premier Mastercard account since XX/XX/XXXX with XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX from HSBC US bank certifying that they do properly report to XXXX all my financial payments. In addition, I can see some of my financial data appearing within my online XXXX account where the year XXXX and XXXX are fully missing. This is the proof that XXXX knows about my account at HSBC US but do not investigate on the failure root cause and do not show enough willingness resolve the issue once and for all.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a HSBC credit card and they are charging me 22.99 % interest rate. I pay the monthly bill on time. My credit rating given to me by XXXX XXXX is XXXX. How can they charge me this high interest rate, especially during a pandemic?? This is interest gouging. I asked them several times to lower the rate, but they said no.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I'm trying to cancel an HSBC personal credit card account. The last couple months, the website payment function is not working, so I try the app, but that doesn't accept payments, so I tried calling, several times, and each time I go through their long menus and finally choose the payment option, it disconnects. I've even tried the other options fraud and stolen/lost card options, and NONE OF THOSE WORK. I have a {$30.00} balance, which is all " late fees '', and I just want to close the account. The " late fee '' is not fair, but I'm at the point I just want to pay it anyway, and close the card/account. How can this scam be allowed? Not having an option at all to pay my bill, and then hitting me with late fees?! I'm XXXX, and can not even get a rep from HSBC on the phone.
Company Response:
State: OR
Zip: 97702
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A