Date Received: 2021-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello. Back between XXXX I had a mastercard, ending in XXXX with HSBC. This was paid off over 8 years ago. We have filed disputes with all the bureaus back in XXXX because HSBC kept sending it to collections agencies and we had to have it removed from our credit long after it was paid off. The last time we sent our information in was back in XXXX and again in XXXX. The files were removed from our credit and listed as paid off. I received a call on XX/XX/XXXX from XXXX XXXX XXXX XXXX company ph XXXX, saying they were about to garnish my wages, put a summons on my door step, contact my employer, will take strick action, file suit in court and file the collections unless I pay $ XXXX balance to them immediately. I explained it was paid for, explained the years that it was paid off, that it was removed from my credit back over 8 years ago and they said they would be putting it on my credit report unless I paid them that day. We've gotten NO notice this was even trying to be collected. Looked them up and they have a current " XXXX '' rating with XXXX and have MANY other consumers have been affected exactly the same way over the last 3 weeks, specifically with HSBC trying to collect on paid for debt, and old debt, the complaints are public on XXXX. XXXX XXXX XXXX XXXX filed an illegal collections account on my XXXX credit report on XX/XX/XXXX and listed a falsified charge off date of XXXX. Tennessee statute of limitations states it must be collected within 6 years of the last payment. This account was paid off over 8 years ago, removed from my credit once for being paid off and now is back on my credit report through XXXX on a collection, way beyond the SOL and falsely listed because it's paid off AND has a false date. Please help me correct this. Please look back at my XXXX, XXXX and XXXX reports and you will see that it was removed over 8 years ago and this is a false collection under the SOL. I am trying to find my original paid off letter, but we lived in XXXX XXXX from XXXX and were victims of the XXXX XXXX Floods, so I'm having difficulty finding it. Please punish them for all this horrible illegal activity they are committing, both HSBC and XXXX.
Company Response:
State: TN
Zip: 37205
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As these 5 transaction aren't mine and when i reported it to you guys, you guys quickly denied my claim through a letter, this is no help!! I'm not sure why you guys are treating me this way!!! i called back to you guys and you guys told me that you guys would investigate but nothing ever happened but only denied me for no reason what the deal!!
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: HSBC Bank provided misleading bonus advertisement. It sent me an email on XX/XX/2020 saying that I would receive {$15.00} per month for 6 months if I made 10 debit transactions. From XXXX to XXXX I made at least 10 debit PURCHASE transactions each month, but HSBC refused to pay out the {$15.00} per month bonus, claiming that these didn't qualify. All of the transactions I am referencing coded as Purchase on my statements. They did not code as cash advance, ATM withdrawal, or balance transfer as HSBC claimed. They can see the statements themselves. email from HSBC To qualify for the Card Transaction Offer ( " Card Offer '' ), up to {$90.00} ( {$15.00} max per month ), you must have an Eligible HSBC Mastercard Card ( " Eligible Card ( s ) '' ) issued to you by HSBC Bank USA N.A. and complete at least 10 eligible new purchases per calendar month using your Eligible Card ( s ) during the Promotional Period. Eligible Card ( s ) includes HSBC Debit Mastercard card ( s ) linked to your HSB XXXX checking account and/or HSBC Mastercard credit card ( s ).
Company Response:
State: VA
Zip: 23113
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received a concerning call today from an unknown NY number. I picked up and the lady asked " Is this HSBC? '' and I was puzzled. I said " No, are you HSBC? ". She replied " No, I'm an HSBC customer ... I was given this number to call by an HSBC employee. '' It is very, very concerning that my personal phone number was supposedly given out to another HSBC customer. Error or not, that is an absolute violation of customer privacy and potentially illegal. The lady did NOT ask me any questions or try to get ANY information from me, which leads me to believe she was not a fraudulent caller or scammer. I've had my fair share of scammer calls and I know when something is an accidental call vs. a scammer and this was certainly the former. HSBC needs to be investigated immediately for their practices on using consumer information.
Company Response:
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello, you close a complaint # XXXX - XXXX Here my answer for the bank : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I received your letter that disrespect you are a lying bank. The denial of the secured credit card, according to his staff, " was part of a process they do, first they deny it and then they approve it '', that's what XXXX told me, after that excuse, XXXX said and write me : " it had been a mistake ''. I have everything in writing. Your answer for me is : " If you don't like it, close the account '' HSBC should be respect the users, you sold me a lie. You offer me : " if I opened the account they gave me the secured card '' The truth was you denied it, that's the point. I do not share your lying answer. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CFPB - How can they close a case when the bank lied and nothing happens about it? What is the protection from you?
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX contacted me by phone and said I owe {$2000.00} for a delinquent credit card balance. I have excellent credit and have never missed a payment so this sounded fishy. I called HSBC and they did a search under my SS # and have no record of me at all. They threatened me that if I didn't pay I would have to take it up with the judge. I never received any certified letters at all from them witch is probably the first step to recover a debt i'm sure. I was very close to paying a {$1300.00} settlement when I decided to check to see if the debt was real because I never recall having a HSBC credit card.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XXXX a check payment to XXXX XXXX in the amount of {$500.00} cleared my account- screen shot attached. Other payments came into my account AFTER this payment cleared that caused an overdraft. Rather than returning a payment that caused the overdraft - the payment for XXXX was returned. Screenshot attached. This payment was for my electric bill and is going to cost me a returned payment fee and they will no longer accept payment by check. This payment should have never been returned as you can see from the attached there were enough funds in the account to cover the payment.
Company Response:
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is the XXXX or XXXX time I have submitted this complaint. HSBC receives my payments and the funds are deducted from my checking account but they are NOT applied to available credit. You people have done nothing to help me resolve this continuing problem. I am asking you to do an audit of this company to determine where and how the funds are used when they are not available to me. I expect to see some action on a thorough audit. In the meantime I intend to contact my congressman to make him aware of your total inaction in this matter. I expect a communication forthwith informing me that an audit has started. Do not ignore me again. I expect action not just an e-mail telling me the company has been contacted. WHERE IS MY MONEY?????
Company Response:
State: IN
Zip: 46383
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: HSBC Bank knew I had problems with XXXX XXXX and had a XXXX XXXX. They were suppose help me to make sure I did not get L/C and fees during XXXX and XXXX However on XX/XX/XXXX they charged me {$28.00} for being late with my credit card payment. I even called them numerous times in XXXX and they advised I would not get charged a late fee. This was for Card number XXXX. The card had since been replaced because of fraudulent charges. I had advised I had no income to pay the full balance of {$2000.00}. Nonetheless they still charged me {$28.00}. Moreover they also charge me a finance charge of {$1.00}
Company Response:
State: AZ
Zip: 85297
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a premier checking account with HSBC in XXXX. I could receive a 3 % cashback with all my direct deposits within 6 months from the advertisement. However, when I checked with them today, they said I'm not qualified for the bonus. I believe I applied through the offer link, and I'm frustrated I didn't get any bonus.
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A