Date Received: 2021-09-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Fraudulent transaction was posted on my HSBC card in XX/XX/2021. I reported it as fraud for the investigation. Account was closed and new account was opened with balance transferred to new account. After multiple calls over months I could get late charges and balance removed last month. I also got letter about collections. Now I see balance back on closed account and statement to pay balance of fraud transactions. Over months this is been very frustrating experience without any communication from HSBC about investigation or conclusion except for asking for payment. I feel this is not fair action from HSBC to collect money reported as fraud. I need help to resolve this problem. All my attempts have failed to resolve this issue. I have all the documentation of chat and mails.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am currently in the process of purchasing a home. On Saturday, XX/XX/XXXX, XXXX XXXX withdrew {$7000.00} from my HSBC XXXX Checking Account ( last XXXX XXXX ) for the deposit on my new home. On Monday, XX/XX/XXXX, I wrote a check to myself from my XXXX XXXX XXXX XXXX Checking Account ( last four XXXX ) for {$9000.00} to deposit into my HSBC XXXX Checking Account ( last four XXXX ) to replace the funds that were withdrawn for my home deposit and to cover any upcoming expenses that I may have in the home process. On Tuesday, XX/XX/XXXX, I attempted to log in to my HSBC XXXX Checking Account ( last four XXXX ) through my mobile phone. I was denied access as the page stated " Account Suspended. '' I contacted HSBC fraud services, and I was told that the check that I wrote to myself for flagged for fraud. I was then told that until my bank verified the funds that I would not have access to my HSBC XXXX Checking Account ( last four XXXX ). I offered to three way the bank. That was denied. I offered to send in proof of funds. That was, also, denied. I then placed a stop payment on the check as I did not want those funds to go into my HSBC XXXX Checking Account ( last four XXXX ) and become frozen. On XX/XX/XXXX, I called HSBC fraud services and told them that I have stopped payment on the check and what verification do I need to have my HSBC XXXX Checking Account ( last four XXXX ) unfrozen. I was told that there is nothing that I can do to prove that the funds are and were in my account on the day that I attempted the mobile deposit for {$9000.00}. On XX/XX/XXXX, I called into XXXXSBC fraud services because I was unable to stop my payroll direct deposit from being submitted into my HSBC XXXX Checking Account ( last four XXXX ). I asked what I would be able to do to access my verifiable payroll direct deposit, I was told that I could go to a local branch -- of which there are none within a XXXX mile radius of home -- and they may let me access my funds. HSBC refuses my access to verified funds that are not fraudulent and from a Fortune 150 corporation because their computer system found it odd that I would be conducting financial transactions from my HSBC XXXX Checking Account ( last four XXXX ).
Company Response:
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: Dear Officer-in-charge, I am involved in an investment/romance scam. The criminal groomed me to invest in an investment scam, thats when I borrowed XXXX {$300000.00} from the various banks, friends, and insurance companies to invest in this investment scam, it was after I invested in it, I find out it was totally fake. ( Basically, he proved a link to a clone app, which I clicked on ) I thought it was a genuine app, but after investing XXXX {$300000.00}, I later find out this app was cloned to impersonate the real app, as I couldnt log in to see my investment. Ive already lodged a XXXX police report and reported this scam, Report No : XXXX and have advised me that my bank should help me regarding this unfortunate matter. Looking forward to hearing from you. 1. Grooming started on XX/XX/XXXX via XXXX 2. Asked me to buy Bitcoins from the local cryptos via http : XXXX ( scammer made their own fake trade app ) 3. Then ask me to install this app on my smartphone so that I can trade Bitcoins, ( this app was given to me via a link, http : XXXX this was a cloned version of the XXXX trading station app. It was after Ill install the app and try to log in, nothing of my investment was there. The following details below are all the transactions involved in the scam : HSBCBank ( XXXX ) XXXX. Address. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. SWIFT Code, XXXX. Beneficiary account number : HSBC ( PERSONAL ) XXXX Beneficiary Name : XXXX XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a text message from a company threatening legal action. i called the number and they told me it was for an old HSBC account from XXXX that i have zero recollection of. They said they were XXXX XXXX XXXX. They told me i would be sued in 4 days if i didn't pay in full or set up a payment plan, giving them my credit card info. I asked but they could not verify the debt or send me any records of it. They sent me a docusign email to fill out, that's when i searched online and found they've scammed many people this way.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I received a text message from my brother, I'm copying and pasting it here. Someone called me to see if you were available to sign some legal documents. They said they were a courier and couldn't tell me more than that. Their telephone number is XXXX. Case number XXXX. I called and was told that they were XXXX a debt collection agency. He told me that they were going to garnish my wages if I didn't pay {$3000.00} for an old HSBC credit card from XXXX. I didn't trust the man on the phone so I started asking questions and he got angry started yelling my ss # and old address and said that he'll tell them that I want to go to court and then hung up. Ive read online and was told by XXXX XXXX XXXX XXXX that it's a scam. HSBC should be liable, sued and fined for allowing scammers to get access to people 's social security number. It's a breach of security and trust.
Company Response:
State: NY
Zip: 11692
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2021 a charge {$12.00} from park receipts in XXXX appeared on my mastercard HSBC. I live in XXXX. I contacted and reported disputing this charge 3 times. After waiting 3 weeks my card was closed but now I can view my statements and balances on line but can not make any payments or transactions. The disputed charge still remains. They sent me a letter attached asking for a response. On XXXX I faxed response and letter back. Attached. HSBC on XX/XX/2021 wrote me another letter saying attempts to contact me have been unsuccessful. SUCH XXXX! Instead of writing nasty letters and miscommunicating they should recognize an Obvious fraudulent charge. INVESTIGATE XXXX! Thats your job HSBC. WILL NEVER USE HSBC AGAIN!! It is illegal for me not to be able to access my account and pay these XXXX off! I have contacted you numerous times. HSBC has been unresponsive and negligent in bogus fraudulent charges and terms of agreement with card holder. Now HSBC has the balls to tell me 10 calender days or else. Unacceptable.
Company Response:
State: MI
Zip: 48088
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I have a saving account in HSBC Bank. I did an International wire transfer to a bank account in XXXX on XX/XX/XXXX. The amount has not yet been received by the receiving bank. They need wire details to see if the transaction actually happened but HSBC continuous to deny the details of wire transfer to me, indicating that they are hiding something and have taken my hard earned money. See below the response. I tried calling the number they have mentioned multiple times with no luck, it keeps circling and eventually hangs up. Clearly HSBC does not have good intensions about safeguarding my money. See below the communication I have received on XXXX XX/XX/2021. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear XXXX XXXX, Thank you for contacting HSBC Bank USA, N.A. We have received your BankMail inquiry with regards to the wire transfer initiated from your account on XXXX of XXXX for the amount of {$3000.00}. Upon checking we see that the wire transfer is processed from our end and the recipient should have had the funds credited to the account on or before XXXX of XXXX, 2021. Here 's the confirmation code for the transfer : XXXX. Request you to check with the recipient or the recipient bank once and if in case the funds have not been credited to their account, We recommend you to contact us at XXXX XXXX - XXXX M-F, during the wire room working hours, the team will transfer to the wire room so that they should be able to check this for you. You can also reach out to us via webchat as we are available XXXX. Beginning XX/XX/2021 we have made it faster and easier for you to get help with your service needs when you navigate to Messages in your HSBC Mobile App. Instead of sending us a BankMail/Message when you need help, you can now chat with us in real time. You will still have access to all of your incoming messages. You may still send BankMail/Messages in Personal Internet Banking at this time. Be sure to check your app store to ensure you are on the latest version. Thank you, HSBC Bank Mail Team HSBC Bank USA, N.A. 2021. All Rights Reserved.
Company Response:
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an advance checking account with HSBC on XXXX XX/XX/2021. I followed the link in the marketing landing page for a {$200.00} welcome bonus after certain requirements were met. I made a print out of the page which I used to apply for the account ( attached ). Met all of the requirements and the bonus was supposed to post on XX/XX/XXXX. I messaged HSBC via online messaging on XX/XX/XXXX to ask why it had not posted and they say I did not follow the correct link to apply for the account. I believe they have made an error as I applied via the " Apply now '' link in the offers landing page.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my account on XX/XX/2021 via this link : https : XXXX Headline was : HSBC XXXX 2 % Cash Back Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage. Terms was : You will automatically receive the 2 % cash back in your new HSBC XXXX checking account approximately eight weeks after completing that months qualifying activities. I have contacted support and opened a support ticket. Today ( XXXX ) the customer service rep said that I did not open the account with the offer attached, but I have only ever hit the signup page through there. I would never have considered opening the account without the offer. The offer has been pulled, but I can show a screenshot of my web history on the account open date that shows that I landed and progressed from the bonus offer landing site ( attached ). I have made $ XXXX in direct deposits monthly since opening then.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have our primary mortgage with HSBC, which is being service by XXXX XXXX. We have a contract to sell our house, and would like to close soon. I first contacted XXXX XXXX on Friday XX/XX/21 to request a payoff letter. I was told that it would take a few days to prepare, because my loan had been subject to a modification last year with the pandemic crisis. I said fine, no problem. But then 12 days elapsed without receiving a payoff letter, so I finally called again on Wednesday ( XX/XX/21 ) to request the document be expedited. After three phone calls on Wednesday requesting the document, I finally received a payoff letter from XXXX XXXX late Wednesday afternoon. Upon reviewing while I was the phone with one of their representatives, I informed XXXX XXXX that I objected to two amounts listed on the payoff letter : the Recoverable Balance of {$4900.00}, and the Property Inspection Fee of {$130.00}, for a total objection of {$5100.00}. I was told that somebody would call me back on Thursday ( XXXXXX/XX/21 ) to discuss, which never happened. I finally called Thursday afternoon hoping to speak with a supervisor at XXXX XXXX, and was told that I have to send an e-mail to XXXX, which I did. Quite frankly, it appears this was a continued effort by XXXX XXXX to run out the clock ( before the closing on the sale of my house ), without addressing my concerns. Last XXXX, when I was told our loan modification was approved ( again, due to the covid pandemic ), it was my understanding that all past fees and expenses were to be waived, which would have included the amount of the Recoverable Balance. I never once previously agreed with this charge, but did not press the issue further, since it was supposed to be waived. Please note HSBC has never documented or supported these charges, but thats really irrelevant at this stage, since all the fees and expenses were to be waived last year. The Property Inspection Fee first appeared on my HSBC XX/XX/21 statement, for no apparent reason ( since every scheduled monthly payment since my loan modification was activated has been on time ), and despite my repeated efforts to bring this to XXXX XXXX attention earlier this year, this charge was never removed. Given HSBC ( i.e. XXXX XXXX XXXX will not address or fix this problem, Im now asking the CFPB to help me get this straightened out. The combined charges of {$5100.00} represent a lot of money which I believe are being erroneously assessed and I feel bullied by such a large institution. I need your help. Thanks.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A