Date Received: 2021-06-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened an HSBC account back in XXXX of XXXX and I was notified by HSBC that my account will be closing. On XXXX of XXXX I went to local branch in XXXX XXXX California they took copies of my identification and told me that they cant help me because accounts were opened online. I called the customer service number and I was told branch can help me. XX/XX/XXXX I was told account is closed and funds have been sent in form of a check. I waited XXXX, XXXX, XXXX, XXXX and now we are in XXXX to this day I have not received anything. On Thursday XX/XX/XXXX I went to XXXX California local branch of hsbc bank asking them about the status of the account and I was told they cant help. Then I called the customer and he assured me that branch can help me. I went to the branch and I was told thats a lie. HSBC has been lying and keeping/holding my funds when they have no grounds to do such thing. The very last person I spoke with the bank he assured me that I will Get the money back however nothing has been received. Here is information for your reference : XXXX operator ID. XXXX Thank you
Company Response:
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2021-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I had a {$5000.00} line of Credit with HSBC MasterCard for the last two years. I did a Balance transfer and began paying the card off. XXXX XX/XX/2021 I paid {$5000.00} which paid off the card. XXXX XX/XX/2021 received an email from HSBC congratulating me on paying of my balance transfer and will help my FICO score and getting on the road to financial success. * XX/XX/2021 Received my statement and a {$4.00} remaining interest charge was on it with the credit line still {$5000.00} and credit available was {$4900.00}. XXXX XX/XX/2021 Autopay paid the {$4.00} statement balance. XXXX XX/XX/2021 checked on line to make sure payment was posted and noticed my credit line changed to {$500.00} ( a reduction of {$4500.00} ) with {$470.00} credit available. I immediately Contacted Customer service and after three transfers 5 differed hold times and a total of 56 minute phone call and no reason could be found as to why my credit line was decreased. It was noted that a hard copy notification letter was sent but unable to locate the letter or verify it was actually sent as no date of mail was documented. The CSR was confused as to why this was as well. Then he put me on hold one more time which disconnected me. XXXX XX/XX/2021 Received my statement with a {$29.00} balance for a charge, but credit line changed to {$500.00} ( a reduction of {$4500.00} ) with {$470.00} credit available. This is the 4th financial agency that has done this to me after paying of my cards. I had payed my payment 100 % on time and my income has stayed the same. These actions affect the most crucial part of my credit score and report as the percent of credit used to line of credit ratio is the number one affect on a persons credit score. The move by HSBC dropped my credit score by 3 points and put me well below the 720 which is what is needed to get the best Home Mortgage Interest Rate. It does not encourage anyone to payoff the credit cards if it is only going to lower your credit score.
Company Response:
State: LA
Zip: 71360
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I applied for a Premier Checking account with HSBC on XX/XX/XXXX online. I saw a promotional offer where I was supposed to get 3 % back of my direct deposits, with a maximum of {$100.00} each month. This promotion is still currently active ( can be accessed through https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ ) and I have attached the offers. Starting from XX/XX/XXXX, I deposited my bi-weekly paycheck into the account, totalling {$5100.00} in a single month. I never got any bonus, and I got suspicious in XX/XX/XXXX. I contacted HSBC on XX/XX/XXXX and after multiple back and forth, they concluded on XXXX that I did not apply through their promotional page, even though I am sure I did. They refuse to honor the bonus terms that were clearly stated when I applied for the account. They refuse to take any responsibility for this and deemed this to be fully my fault, even when there were multiple reports online of people experiencing the same issue as mine.
Company Response:
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: The business banking checking account that I had opened with HSBC Bank in XXXX was closed without any notice from the bank in XX/XX/XXXX. I had received a letter from the bank dated XX/XX/XXXX stating that the bank was asking for information about all business banking accounts to help curb financial crime. The letter mentioned that I needed to respond by XX/XX/XXXX. I called the bank XX/XX/XXXX and answered their questions over the phone. I spoke with a woman named XXXX at XXXX, ext. XXXX. She asked about documentation that had been originally submitted when the account was opened in XXXX. I told her I was not sure if I still had it, but that the bank must have it because they opened the account. The call concluded with an assurance that I would be contacted if further information was required, or the documents could not be located. I did not hear from the bank again until they closed the account. A letter was sent via XXXX which I received on XX/XX/XXXX, stating that the account had been closed and a check for the money on deposit was included. I called the bank and spoke with a branch representative assigned to my account, XXXX XXXX XXXX, XXXX. He told me that the account could not be reinstated. He also told me that HSBC was in the process of selling its retail branches to XXXXXXXX XXXX. This was very unsettling as I was suddenly unable to pay my XXXX XXXX business card from the business banking account and now, I must immediately find another bank to provide business checking services. If the bank had clearly communicated to me that they were not going to keep the account open without the documents that were given to them when the account was originally opened in XXXX, I would have had time to plan and prepare for the account closing.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Dear Sir, Madam, I have been using an HSBC Premier Mastercard credit card since XXXX. I have always paid on time and in full my balance statement and have maintained since the beginning an excellent FICO scores, in between XXXX. However, since XX/XX/XXXX my financial data are not transmitted correctly anymore to some credit bureaus. After complaining in XXXX to the HSBC and XXXX among others, I don't see any tangible results and again the past week I've been refused a credit card at XXXX XXXX and I've been refused to open a XXXX XXXX XXXX account for exemple. XXXX XXXX, in their refusal explanation letter XXXX Adverse XXXX XXXX attached ) stated clearly that my credit score is missing and not available. They use XXXX, XXXX, XXXX and XXXX. HSBC US uses XXXX, XXXX and XXXX, from what they told me. I need my FICO score urgently back and up-to-date again as we are the process of asking an SBA EIDL loan for our partnership and I need other banks as HSBC US is winding down its retail market to close by end of this year they said in a letter. Thanks for your assistance in this issue. XXXX XXXX.
Company Response:
State: NY
Zip: 11552
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: No access to online banking website www.us.hsbc.com for almost two weeks.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2021-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I made a grave error. I applied for a checking account with HSBC. HSBC approved the account. Later they decided to make the account for closure. This is their right. Although they did not tell me why. Nevertheless they are holding my money. It is illegal for them to do this. There was no fraud, nothing. I went to the branch, tried to call them on the phone and all HSBC tells me is that another department is looking handling the account. I get the run around meanwhile they are holding my XXXX. I do not understand why. This jas been going on since the beginning of XXXX and it is not XXXX. All Custer service does is tell me another department is handling it Worst is I was told that the department handling it can't take calls, has no phones, does not deal with customers. This should not be allowed. The customer service is the absolute worst I ever seen at a bank. The worst
Company Response:
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Dear sir or madam, I am writing this email about the opening bonus for HSBC XXXX XXXX business checking account. I opened my HSBC XXXX XXXXt business checking account on XX/XX/XXXX. At that time HBSC had {$300.00} promotion. Deposit a minimum Qualifying Balance of {$5000.00} or more in New Money in the eligible HSBC business checking account ( XXXXXXXX XXXX, XXXX XXXX, or XXXX XXXX XXXXt ) within 30 calendar days of account opening ; and Register, and Log On to HSBC using the personal credentials you created and your security device within 45 days of account opening ; and Maintain at least the minimum Qualifying Balance ( s ) in your eligible business checking account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt ) for 90 calendar days from the date you deposit the minimum Qualifying Balance. I fulfilled all requirements and on XX/XX/XXXX, I received {$200.00} bonus, it shows XXXX XXXX XXXX OFFER. I sent email and asked why my bonus is only {$200.00} instead of {$300.00}. The reply I received was current promotion is {$200.00}. The thing is the promotion was {$300.00} when I opened my account last year. I should receive {$300.00} bonus. I also referred XXXX He to open HSBC XXXX XXXX business checking account, the account was opened on XX/XX/XXXX and used my referral code. Business name is XXXX XXXX, XXXX # XXXX. Per HSBC promotion condition, I should receive {$100.00} bonus. Please investigate these two cases and deposit {$200.00} into my HSBC account, ( {$100.00} + {$100.00} = {$200.00} ). Thank you very much for your help! XXXX XXXX
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. please remove them from all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft HSBC BANK Account Number : XXXX**** This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXXThis is not mine. 4. Identity Theft XXXX Account Number : XXXX**** This is not mine. 5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A