Date Received: 2021-05-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: At the HSBC website, I saw they had an offer for 3 % cashback of my payroll deposits up to {$100.00} bonus each month for 6 months ( {$600.00} total bonus ) when opening a new checking account. The website said that I'll be automatically eligible if I sign up using the link. I did everything exactly as instructed and deposited my paycheck directly from my employer to this account over {$5000.00} each month from XX/XX/XXXX to XX/XX/XXXX. I checked the status of this bonus with their customer service over 5 times starting in XX/XX/XXXX. The first time the agent told me I need to wait one more month to receive the bonus. After a month I contacted the customer support again and they asked me to wait another week and get back to them. I did that and they kept asking me to wait one more week again and again over 5 times. They promised me each time they'll fix this issue which could be due to some technical glitch. And finally today after 6 months of wasting my time and effort, they said they will not give me any bonus because I did not use the correct promo link to open the account ( I did use the correct link from their website as instructed ).
Company Response:
State: NC
Zip: 27613
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This person tells that he calling to collect a debt of {$400.00} that I don't even recognize. He calls about ever three weeks. XXXX XXXX XXXX called today XXXX XXXX.I don't remember that dates that this person calls. I want these phone scams to stop it is very annoying. He ask me if I live at XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Lady keeps calling me about 5 times a day and was saying they ( HSB XXXX are trying to collect on a old debt. She knew my social security number! I do not have any negative debt showing on my credit report! When I told her that the debt no longer exists, she hung up on me. Phone # is XXXX from XXXX XXXX, N.C. She said her name is XXXX XXXX I did tell her to mail me a letter if this call is actually legit!
Company Response:
State: CT
Zip: 06118
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Cosigned for mortgage in XXXX. Account seriously delinquent since at least XX/XX/XXXX. Never notified of delinquency EVEN to date by HSBC or the primary borrower. Discovered XX/XX/XXXX when routinely checking credit report. I don't even have an account number for this loan! My credit score dropped from XXXX to XXXX in XXXX because of this account. I obviously pay my bills! HSBC, by NOT informing us of the delinquency, has engaged in unfair credit reporting. How can I be expected to resolve this matter if I'm uninformed? This could have been resolved 2 years ago & modifications made. As I stated I don't even have an account number. Also we have NEVER lived at the address of the loan nor have we EVER received mail there. The address was added to our credit report XX/XX/XXXX without our knowledge or consent! An HSBC representative informed us that the primary borrower can request that the cosigners NOT receive notifications! If we have EVER been notified of issues with this account, please provide us the addresses or phone numbers notified because there are several wrong phone numbers & addresses listed on my credit report.
Company Response:
State: NY
Zip: 14228
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I was an account holder with HSBC bank. In XXXX this year, on advice of my customer relationship manager with the bank, I opened a Global Money account that allowed me to transfer USD into XXXX. I expressly stated that I will need to wire the XXXX amount to my father at a later date, and she confirmed that will be possible. In XXXX, I have tried to do so, only to be told money can be transferred only to an HSBC account in another country. Otherwise I need to reconvert the money into USD, transfer it back to the normal HSBC account and then transfer into XXXX. Therefore, XXXX wanted to charge me triple conversion rate for a simple procedure. I refused, stating that I have the promise in writing, and the bank manager escalated my claim - unfortunately HSBC decided that there is no fault of theirs. Thee fees incurred were substantial, based on the extra conversion fee XXXX XXXX accounts charge : a difference of {$4600.00}, or 2.8 % of the principal - During that time, EUR lost 0.8 %. Therefore, I lost 2 % on the bank fees ( {$3300.00} ).
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX, I paid off a Judgement that was against me through Civil Court. On XX/XX/XXXX, I spoke with XXXX XXXX, with XXXX, XXXX, XXXX and XXXX, about getting a Letter of Satisfaction sent to Civil Court Division. XXXX XXXX informed me that the Judgement amount was incorrect and an additional {$4000.00} needs to be added to the amount. This case is from XXXX and if the amount was incorrect, it should have been stated in Court. Civil Division records are showing I have a XXXX Balance and that my debt has been paid in full. Civil Case # XXXX ( XXXX ) XXXX. XXXX XXXX XXXX. This Collection Agency is trying to get extra money from Consumers.
Company Response:
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have been receiving calls saying I have an unpaid balance with hsbc. I never had a hsbc cars. They keep calling and harassing people I know like I am a felon. First it was for a card ending in XXXX today it was XXXX. I never had no cards from them and the reference people they gave me I would not use them as a reference. I am being harassed and threatened with legal action daily. Sending paperwork asking me for a settlement of less than the amount. Contacted the better business bureau they referred me to you. Lady told me over the phone I had been served. Served what. I think my identity may have been stolen as my daughter moved out of a house and may have left paperwork with important numbers on it. Due to the fact the landlords daughter is one of the people they say I used as a reference and I never did.
Company Response:
State: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
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: Charges appeared on card that we did not authorize XX/XX/XXXX To there credit, our credit card company alerted us on XX/XX/XXXX of fraud alert and began process of closing old card. Unfortunately at this point a new card was issued to us and we were advised that our account was under investigation. Upon issuance of the new card, our old card with fraudulent charges was having balances transferred to our new card. This is where we have hit a wall with our credit card company. These charges were not incurred by us but we are being forced to deal with payment and late fees every month. We simply need help to get this company to resolve our account back to zero, prior to fraudulent charges back in XX/XX/XXXX but can't get company to resolve due to poor communication from the company. We have spreadsheets and documentation we'll gladly share to support our issue.
Company Response:
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Received notice of suspected unauthorized transaction to account via text to verify if valid and declined which initiated a fraud investigation of the transaction to XXXX. Logged online and could not find any transaction on account history and contacted bank and answered questions about last use of card. Verified that transaction was not initiated by me and bank advised that a new card would be sent out for replacement. Received replacement card and provisional credit. Few days later, received letter alleging that transactions were determined to be valid and would post to account without any disclosure of evidence of investigation as to what city, state, country, continent transaction occurred, whose account transaction was executed by as XXXX is a member app program, nor was I provided information as to name of XXXX representative that verified transaction. Confused I contacted bank for clarification and fraud representative advised not to worry that transaction would not be posted to account. Few days estimated {$120.00} was deducted from account. Attempted to escalate and no claim/reference number or provisional credit was provided. 18 U.S.C. 242 deprivation of right to property due to improper investigation. Breach of terms on liability, 12 CFR 1.2j, per affidavit of identity.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A