Date Received: 2021-07-07
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: I have tried for several months to get an issue resolved of a {$400.00} charge and a {$250.00} charge since XX/XX/2020 and the credit card company won't issue me a refund because they state it's over the allotted time but I have been in contact with HSBC regarding this matter multiple times and still nothing I am not paying for something I believe I should of never been charged in the 1st place from XXXX XXXX till the problems I was having were fixed properly then they could have charged me for a XXXXXXXX XXXX XXXX on my car. I refuse to pay this amount of money {$650.00} I think HSBC should have to eat this amount with all the running around I have gotten over the last several months.
Company Response:
State: IL
Zip: 60446
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2021 I entered the HSBC app to close my account # XXXX. I got a reply back saying they closed my account ending in # XXXX and my other account I am co-owner with my retired father. # XXXX. I called HSBC immediately to confirm accoutn ending in # XXXX was not closed and still active.Spoke with someone and they confirmed # XXXX was active. On XX/XX/XXXX, I could not access my account balance for # XXXX. I could still access my account ending in # XXXX. I emailed support to confirm to not close my account ending in # XXXX. On XX/XX/XXXX, HSBC confirmed my account ending in # XXXX was not closed. On XX/XX/XXXX I checked my HSBC app and account # XXXX was closed. I immediately called HSBC to open a ticket to reverse this error and have not heard back fro them since. I told them my Dad has direct deposits set to credit on XX/XX/2021. My Dad does not have enough time to change or modify these payments I have not heard back from HSBC on account status.
Company Response:
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
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: I have an opened case ID # XXXX at HSBC US NA as they have not properly reported my payment history to XXXX since XX/XX/XXXX. The case is stil not resolved. Now we also see that they do not report properly to XXXX as they should. HSBC says it reports to XXXX, XXXX and XXXX. My latest credit report sent by XXXX on XX/XX/XXXX shows a fully blank payment matrix between XXXX and XXXX.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: this has been going on for about10 years i even got a lawyer. went bankrupted to save my house so ever thing has past everthing is good and now there doing it again XXXX XXXX from hsbc is sending me letters that i am behind whitch i call hsbc and no one has be behind and they email him to call me but he dose not i call the number hsbc gave me and left message still on one calls he has things on my credit report that should be gone but he keeps them on there
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I received a letter from HSBC on XX/XX/XXXX stating they were reducing my credit limit stating it was due to a low credit score, missed payments, high balance and more. None of which were based on reality as I have always paid on time, every account outside of HSBC has been paid on time, my Fico score was XXXX, my utilization ratio was at about 25 % of the card 's total limit. The cut reduced my limit by 74 % which will make my overall credit utilization sky rocket and severely affect my overall credit score. I called immediately after opening the letter on XX/XX/XXXX asking for answers thinking it must be a mistake. They said they would look into it and give me a call back by the end of the next day. On XX/XX/XXXX I did not recieve a call. I called back on XX/XX/XXXX and asked if they could pull up the issue and they informed me there were no notes of any conversation. After being transferred several times I spoke with someone who said the only way I could submit a complaint is to write a letter. I asked if there was any other way to fix this sooner by email/phone etc. And they said no. I wrote my letter with attached full credit report and mailed it via certified mail on XX/XX/XXXX. I recieved a call in response to an email I had sent out on XX/XX/XXXX. The call was at XXXX, they left a message and told me to call them back. I did and unfortunately it was just the main number so I didn't reach anyone. I left a voicemail saying I was returning the call. I have never received a call back. I emailed the representative that left a voicemail on XX/XX/XXXX informing her that it was XXXX on the west coast, but I was available anytime between XXXX PST 7 days a week. On XX/XX/XXXX I recieved an email dismissing my complaint and ignoring my request for phone communication. The email stated " We regularly conduct reviews of customer accounts and may make changes as a result. A decision was made to decrease the credit limit using a combination of credit bureau reporting and existing banking relationship. Ive included a current copy of the Cardmember Agreement provided when you applied for the account. Credit Limits, and our right to change the limit, is discussed on page 2. '' Which was the exact letter I recieved in the first place and the same response I kept getting from calling the customer service line. I responded to the email 12 minutes after it was recieved asking if she received the letter I mailed and know was given to the office because I sent it certified mail. There was no response. The letter contained my complaint, my full credit report and payment history with every account I have showing a flawless record. I was not listened to, it was near impossible to get someone to talk to, I was still given false reasons as to why this happened and this is going to severely impact my credit despite doing nothing wrong.
Company Response:
State: CA
Zip: 90262
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Money was not available when promised
Subissue:
Consumer Complaint: We, the Bank sent wire on behalf of our client on XX/XX/2021 for {$13000.00} to HSBC NY routing number XXXX to credit HSBC XXXX XXXX, Swift Code XXXX, to credit beneficiary. The Beneficiary claims the funds have not been received in their account. We have sent 8 service messages to HSBC in New York. The dates the service messages were sent are XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. The messages to HSBC NY are to ask for confirmation of credit and then recalling the funds to be returned. HSBC had not responded or acknowledged any of our service messages. I also contacted Customer Service at HSBC at XXXX, but they were not able to give us any information as we are not their client. As of today XX/XX/2021, we don't know where the funds are at.
Company Response:
State: CA
Zip: 90703
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
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/XXXX I purchased a hotel room through XXXX for {$690.00} for a quadruple room for 4 people at the XXXX XXXX XXXX XXXXn FL. Once i received my confirmation email I was booked for an private owner condo. I contacted the hotel number that was provided and found out that this was a XXXX XXXX XXXX XXXX and the owner did not have a room that can fit 4 people and does not list any rooms with zenhotels, doesnt even recognize the company. i contacted XXXX and emailed screenshots with the descrpency between what was booked and what was on the confirmation page. They recognized the mistake but stated that the room was non-refundable and that they would need to investigate to determine how to resolve the issue and could not refund me at that time. i then contacted my credit card company HSBC and disputed the charge, they initially refunded the money back to me but then charged it back due to the charge not being considered fraud.i then enetered another dispute and listed as billing error and provided the company with multiple emails. XXXX XXXX eventually agreed that i should be given a refund but stated that i would have to wait for my bank to grant the chargeback.Email provided. Since then HSBC has stated that XXXX has confirm the charge by providing my information ( duh since i made the charge ) and has granted XXXX the phone without looking at my proof of billing error. They have also charged me an additional {$690.00} on XX/XX/XXXX for the same charge. I know have almost {$1300.00} worht of charges from the one merchant for something that i did not book as well as did not use. No one from HSBC dispute department has given me a call or email me back
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX I clicked on the a HSBC banking offer to get 3 % cash back ( up to {$600.00} ) for new customers who open an eligible HSBC XXXX checking account with qualifying activities. I opened a XXXX Checking account and set up direct deposit from my job so that I would be eligible for this promotion. When I was looking through my first bank statement I noticed a few cents of interest instead of the 3 % deposit match that I had signed up for. On XX/XX/XXXX I first called HSBC - Was told I my account was eligible for the bonus, I just had to wait for it to post. Called again XX/XX/XXXX after the few cents of interest were paid again in XXXX and XXXX Was given a case number and then when I was called back I was told the same thing. I was eligible for the bonus, I just had to wait for it to post. Called XX/XX/XXXX - Rep had no record of my previous conversation where I was told I was eligible for the bonus. Was told that someone would contact me. As far as I know and remember, no one reached out to me. XX/XX/XXXX - I sent an email to see if I would have better luck with the online team. They sent me this email : " Re : Checking Account Inquiry ( XXXX Message date XX/XX/XXXX Dear XXXX XXXX : Thank you for being a valued Premier customer and for contacting HSBC Bank USA, N.A. We understand the importance of your XXXX inquiry about the promotional the account bonus. For better assistance with attaching the promotional offer, please feel free to contact us by calling XXXX, initiating a Live Chat with an HSBC agent at XXXX. For additional information on the products and services HSBC Bank offers, please visit us at XXXX HSBC has launched a new messaging channel for XXXX users! Messaging through your XXXX app is available at your convenience. It allows you to pause the conversation when needed and easily pick up where you left off. Try out the new feature XXXX. We look forward to servicing your banking needs! Thank you, HSBC XXXX XXXX HSBC Bank XXXX, XXXX. XXXX. All Rights Reserved. '' So I called that same day XXXX XX/XX/XXXX ) and was told that I didnt click on the correct button so that wasnt eligible for the bonus. I told the rep that I had a screenshot of the offer I clicked on and she told me that she didnt have a way to receive that screenshot but she would make a case for me and escalate my request. Called XX/XX/XXXX. The rep had no record of my case number and I never wrote it down. Was given a new case number : XXXX. After several back and forth phone calls ( XX/XX/XXXX ) I was told to send the screenshot of the offer to the reps boss I clicked on. I sent the email and the screenshot to XXXX. Never heard back from him. Emailed XX/XX/XXXX asking about the status of my case. Was sent this email : " Re : Checking Account Inquiry ( XXXX Message date XX/XX/XXXX Dear XXXX XXXX : We appreciate your BankMail with regard to the status of the bonus associated with XXXX Checking account. Your request is forwarded to XXXX XXXX XXXX for further assistance. We will contact you shortly with additional information on the status of your request shortly. HSBC has launched a new messaging channel for XXXX users! Messaging through your XXXX app is available at your convenience. It allows you to pause the conversation when needed and easily pick up where you left off. Try out the new feature www.us.hsbc.com/abc. We look forward to servicing your banking needs! Thank you, HSBC XXXX Team HSBC Bank USA, N.A. XXXX. All Rights Reserved. '' XXXX XXXX XXXX never responded to me. I sent another email XX/XX/XXXX asking if there was a number I could reach him at. This is the latest email and my last correspondence with HSBC " Re : Checking Account Inquiry ( XXXX Message date XX/XX/XXXX Dear XXXX XXXX : Thank you for being a valued Premier customer and for contacting HSBC Bank USA, N.A. We appreciate your BankMail with regard to the status of the bonus associated with XXXX XXXX account. As per Our Campaign and Promotional Team confirmation, the account did not meet the requirement for the promotional bonus as the account was not opened in the offer page which is required to be eligible for the bonus. As such, your account has been disqualified. We apologize for any inconvenience this may cause. HSBC has launched a new messaging channel for XXXX users! Messaging through your XXXX app is available at your convenience. It allows you to pause the conversation when needed and easily pick up where you left off. Try out the new feature XXXX. We look forward to servicing your banking needs! Thank you, HSBC XXXX Team HSBC Bank USA, N.A. XXXX. All Rights Reserved. ''
Company Response:
State: ID
Zip: 83201
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They claim that I took out a MasterCard with HSBC, which is now XXXX in 2013 and make charges but never made any payments on it. I never took out a credit card with this company. Today called me at work XXXX XXXX XXXX said that they if I couldnt pay {$600.00} today they would serve me in 10 days and see me in court. I asked them to send me documents so that I can see these charges they sent documents to 2 addresses that I havent lived at in years.
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened an HSBC Premier account in XX/XX/XXXX. HSBC agent called me and told me this morning ( XX/XX/XXXX ) that I'm not qualified for HSBC {$600.00} Bonus because I had a savings account in XXXX. HSBC policy for the {$600.00} is : Customers who held an HSBC consumer deposit or investment account from XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. In my opinion, a savings account is not considered to be a deposit account, but a checking account is a deposit account.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A