Date Received: 2021-06-22
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I used this credit card 4 a balance transfer ... b4 it became due I paid them off ... however I sent too much money ..now they refuse to send back the overpayment back to me. I've called numerous times requesting my close to {$1900.00}. Funds in overpayment back to me ... .this credit card refuses to do so ... please help
Company Response:
State: NJ
Zip: 08205
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: On XX/XX/XXXX received an unsolicited and unauthorized email from XXXX XXXX XXXX claiming I owed a debt from XXXX. I replied to that email asking for a cease and desist and fraud handling. I also asked for no further calls, emails or letters. This debt is also past the statue of limitations and whatever the original creditor was, as they are now out of business, sold this alleged debt. On XX/XX/XXXX I received a letter from the same company violating the cease and desist that I gave in writing. When I called to ask why XXXX and XXXX could not help or tell me why this letter was sent and could not give me information to contact their legal counsel, consumer advocates or any other department that could review this. I was told if I wanted to know then I would have to remove the cease and desist.
Company Response:
State: MO
Zip: 63303
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: I initiated the transaction on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX which is intended to send to HSBC XXXX XXXX, but it was accidentally sent out with the wrong swift code " XXXX ''. The problem was quickly identified, and the transaction was halted. The money is currently holding at XXXX XXXX HSBC USA for more than 30 days. I have provided an amendment to reroute the money back to HSBC XXXX, and it was also confirmed by HSBC USA, that the wrong transaction has been canceled The fund bank XXXX XXXX XXXX XXXX XXXX has also sent several follow-ups and chasers to HSBC USA, but there haven't been any moves.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
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: Hi there, I spoke to a lady on the phone from HSBC 8 weeks ago today, she agreed that all late payments from my account would be removed and reported to the credit agencies, also, I am currently carrying a XXXX balance on said account and is still showing that I owe XXXX when Ive paid it all.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I just recently opened up my HSBC checking account online they then did a verification trial deposits to verify my identity as an extra layer of protection I could understand that at the same time on the account opening process I put in for {$100.00} deposit for the opening deposit they took that out I set up my online ID add this past Saturday I did a mobile check deposit in the amount of {$200.00} so this is a total of {$300.00} all of a sudden they close my account down telling me that due to informational mishaps that did not match they close down my account immediately even though I have money in that account the person that I spoke to on the phone could not give me any information he said that its a back office that handles all this and I suppose the back office no one can get a hold of I want my money back Im not gon na sit around waiting however many more weeks months or whatever its going to take this is ridiculous not only that its a department that no one can get a hold of supposedly and the gentleman told me that I will be receiving information about whats going on due date as of todays date I have not received anything about my account being closed when I will receive my money back or anything I have been trying to get in contact with this oppose the back office now for about a week and no one can give me any information on how to get a hold of this supposed department I want to be able to walk into a HSBC branch and my funds be given to me in cash Im not waiting for a check you guys debitMy account electronically so then you should be able to put the funds back the same way you took them you guys take peoples money and then close down accounts and then come up with a department that now I can get a hold of that is not right
Company Response:
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Please see XXXX, reopening. HSBC has not provided explanation on why incorrect 1099-C code was inputted on form. HSBCs response to see previous correspondence from them is insufficient as the code should be A for bankruptcy and they have never provided any explanation on why the incorrect reporting codes were used. This card was cancelled and closed due to a bankruptcy filing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63368
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: HSBC advertises an account bonus of {$600.00} ( $ XXXX monthly ) after account opening. I opened an account on XX/XX/2021 and expected first bonus in XXXX. I contacted HSBC last week XX/XX/2021 and was told they need to check their back end. I have not heard back
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They called and stated someone would need to be home when a package is delivered. Then proceeded to say it was a summons suing me for the collection of an HSBC MasterCard that I have never had and did not open. When I told them this they said it did not matter because I was lying and my wages will be garnished, bank account seized, and a lien filed on my home. The collector also stated that we should not report them to you because you only ever answer 1 %. I asked them to cease all communication and he has continued to call and leave voicemails advising against reporting them because it will make the situation worse for me.
Company Response:
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I purchased a travel reward tickets using my HSBC card ending in XXXX on XX/XX/2021 using the HSBC reward site. The 2 tickets were purchased using points. HSBC have failed in deducting the points and crediting the amount. HSBC is failing to fulfill their part of the card agreement and in addition to this are charging me annual fee on the card for benefits they are not fulfilling. In addition, because the points have not been diducted and the amount credited, i will be charged interest. I think they should pay me interest for being late and not me paying interest because of their mistake. The points used for the purchase are XXXX points = to {$1100.00}. I spoke to the HSBC reward department over 10 times in the past month. I spoke with the HSBC customer service also over 10 times regarding this. I escalated the issue multiple times with the bank and the reward department with no resolution yet. on XX/XX/2021 the bank rep got a promise that a supervisor will be calling me the customer on XX/XX/2021 and i received no call or email. Today XX/XX/2021 i called again and neither the bank or their reward department has an answer for me.
Company Response:
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
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, NY XXXX Social Security # XXXX DOB : XX/XX/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 XXXXXXXX XXXX and XXXX respectively. 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 are no condition am U 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 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, 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 bylaws as mandated by federal laws. 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. CREDITOR CONTACT INFORMATION : HSBC BANK XXXX XXXX XXXX XXXX, NY XXXX ( XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, 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 bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 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
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A