Date Received: 2021-04-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I recently incurred a loss on my home. The loss was repaired and my insurance company sent me a check for about {$5600.00}. The check was made out to me, my wife, HSBC ( 1st lien holder ) and XXXX XXXX XXXX XXXX ( " XXXX '' ) second lien holder. As HSBC is the first lien holder, they informed me that I and my wife had to endorse the check, which we did, and then XXXX needed to endorse the check. I followed XXXX 's process for getting an endorsement in which they use a stamp and do not imprint a " wet '' signature. I then sent the check to HSBC per their process instructions. HSBC called me today to tell me they have mailed my check back to me ( regular mail with no tracking ) instructing me, the customer, that I have to go back to XXXX to get a wet signature. As part of what was the worst call I have ever engaged in, HSBC refused to tell me what signatures they would accept. I understand they can not dictate names, but all I asked is that THEY contact DCU to find out who was authorized and what officer title they hold. I wanted to be as sure as I can that I am not in an infinite loop going back and forth trying to conform to potentially incompatible processes. In the end, HSBC disconnected my call via sending me to an unnamed voicemail account that belonged to a XXXX ( work initials XXXX ). The call supervisor I spoke with, XXXX ( work initials XXXX ) was completely unprofessional, lied to me multiple times, and was throwing as many road blocks in front of me as possible to make this as hard as possible. Meanwhile, I am out {$2800.00} from paying the contractor who fixed the loss 50 % up front. And the contractor is out {$2800.00} because HSBC is making this process as difficult as possible. I find it ironic that they are doing this when HSBC made it so easy for people from XXXX and XXXX XXXX XXXX to launder money through their bank ( for which they were fined ) but XXXX didn't know anything about this. I ask that HSBC please be held accountable for this atrocious behavior, policy/process and overall customer service.
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
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: HSBC BANK issued this card WITHOUT MY AUTHORIZATION. Now reporting this derogatory credit card on my credit report. My numerous attempts to get ahold of HSBC went ignored they do NOT list their phone number on the credit report and their address is NOT deliverable. SEE THE LETTER THAT WAS RETURNED TO ME MY USPS. I'M REQUESTING ALL CREDIT BUREAUS TO DELETE THIS ERRONEOUS ACCOUNT FROM MY CREDIT REPORT BUT THEY ARE TELLING ME THAT XXXX HAS TO VALIDATE THIS ACCOUNT .... HOW ARE THEY GETTING HOLD OF THEM WHEN I'M NOT ABLE TO? ....
Company Response:
State: CA
Zip: 94306
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: HSBC BANK has mishandled our credit and issued credit cards we did NOT request .... we moved to the US in 2017 and transferred our accounts to HSBC US. We have written to HSBC to the address reported on the credit and letters came back UNDELIVERABLE ... SEE EVIDENCE OF F.C.R.A. VIOLATION ... THIS IS F.C.R.A. VIOLATION NOT TO MENTION F.D.C.P.A. VIOLATION.
Company Response:
State: CA
Zip: 94306
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
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: XXXX XXXX of XXXX, I settled two accounts with HSBC Bank XXXX However, they still show up on my XXXX credit report as " Charge Off ''. ***On XXXX XX/XX/XXXX, I filed two disputes with XXXX XXXX and I received word on XXXX XX/XX/XXXX that both investigations had concluded. For each case, XXXX reported that HSBC confirmed that the reporting was already accurate. ***After several conversations with XXXX representatives, I contacted HSBC . A person called " XXXX '' in their Recovery Department, verbally told me that the reporting had formerly been inaccurate, but that they had sent a correction to HSBC on XXXX XX/XX/XXXX. He offered to send me letters explaining the change. ***On XXXX XX/XX/XXXX, I received two letters dated XX/XX/XXXX from HSBC . Each stated that my " credit bureau report will be updated to reflect the following 'Charge-off : Settled for less than the Full Balance '. '' ***My XXXX credit report continues to list the accounts simply as charge-offs. ***I contacted both HSBC and XXXX again after receiving the letters. ***HSBC representatives told me that they had sent further information to XXXX on XXXX XX/XX/XXXX ( after the closing of both disputes ), but were unable to tell me what information had been sent. ***XXXX representatives told me that they could tell me the updated information for a fee. However, when I explained that I was already viewing my free consumer credit report from today 's ( XXXX XX/XX/XXXX ) date, the representative told me that any information she gave me would be exactly the same as what was reflected there. ***As it is my understanding that accounts listed as " charge-offs '' are considered to still be owed, I want my report updated to reflect that both accounts have been settled.
Company Response:
State: NJ
Zip: 072XX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: To whom it may concern. I am having difficulty with obtaining my data from HSBC. Attached are official records that show communication of my request for information starting from XX/XX/XXXX. However, I have been calling to HSBC XXXX requesting this information since XX/XX/XXXX, and on XX/XX/XXXX I visited HSBC branch at XXXX XXXX XXXX, XXXX XXXX NY XXXX and requested the same information from Mrs. XXXX XXXX XXXX. The information I have been requesting is a copy of bank statements from my HSBC credit card for the period from XX/XX/XXXX through XX/XX/XXXX XXXX hereinafter Requested Period ). HSBC has reissued my credit card several times since the Requested Period. For this reason, bank statements for the Requested Period are not available on my online banking account. Also, I do not possess the number of the credit card which was valid at a time of the Requested Period. The reason of my request of is to prove my medical expenses in the approximate amount of {$2500.00}. HSBC has failed to provide me with the requested information. Enclosed are responses to my twenty-three requests and follow-up requests on the same issue via BankMail. Also, the following complaints about the same issue were registered via BankMail : # XXXX, # XXXX, and # XXXX. I am also enclosing HSBCs letter dates XX/XX/XXXX with copies of the bank statements for a period of time which is different from the Requested Period. These are the only records I have since all telephone and online chat agents were unable to provide me any records of my customer request. I would appreciate if HSBC could either provide me copies of my credit card statements for the Requested Period or pay {$2500.00} in cash to my XXXXSBC checking account as a compensation for the loss Im incurring due to HSBCs failure to provide me this data. If you have any questions, please email me to XXXX or call me to XXXX XXXX XXXX XXXX. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: The bank is placing authorization holds on my account.
Company Response:
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
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: OnXX/XX/XXXX, I purchased a Model XXXX washer/dryer unit ( Order ID [ redacted ] ) for {$1700.00} from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, New York. To be clear, the product comes assembled as a single piece and must be used together. XXXX XXXX was the Kitchen/Bath Appliance Specialist who helped me with the purchase. The product was delivered to my home where it was installed. On XX/XX/XXXX, my curtain became stuck under the spinner of the washer portion of the unit. I noticed something was wrong due to a burnt smell coming from the machine. Immediately, I stopped the machine. I called XXXX XXXX XXXX and the salesman was rude to me and referred me to XXXX. I asked to speak to the store manager, XXXX XXXX, and was told that he was unavailable. Eventually, a technician was dispatched and he assessed the situation. He called XXXX and they advised him to cut the spinner with a saw. The technician was incredulous and advised XXXX that he didn't have a saw and even if he did that he wasn't sure that it would fix the problem. We are not in agreement that anyone should come and damage a brand new machine ; it doesn't make sense. The machine is defective and a fire hazard ; that is the opinion of my husband who was a volunteer XXXX for 19 years. The reviews for this model on XXXX own website also show numerous consumers who have had similar issues with this model. Please find enclosed all documentation relating to this matter. We have made repeated requests to XXXX XXXX XXXX to remove the machine and they have refused. I have spoken to XXXX, a manager at XXXX XXXX XXXX several times without a solution. I have contacted XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to no avail. They keep referring me to XXXX, the manufacturer of the product. I have been in contact with XXXX from XXXX Consumer Relations but they have not been able to guarantee that any repair attempts would solve the issue and that we wouldnt have a repeat issue. XXXX also would not agree to accept responsibility if there were any loss of life or injury based on its defective product. Now, we are risking exposure to COVID-19 by doing laundry in a local laundromat. OnXX/XX/XXXX, the credit card company, HSBC, issued a credit in the amount above but then later reversed course. HSBC asked for a narrative, which we provided, twice, with no response or acknowledgement of receipt from a company representative. Furthermore, the XXXX XXXX has not replied to the New York State Division of Consumer Protection 's inquiries regarding our case.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2020 @ XXXX XXXX. two deposits into a hsbc premier checking account in the amount of {$380000.00} these deposits were processed and supposedly deposited into my account. I called hsbc and asked them whats going on and they told me Somehow there was no record of those transactions and that they never existed I have proof that their misinforming me and misleading me. Im confused and I just want understanding and to be redressed. Refer to the pictures and ask them if they have record of those two transactions their going to say no.
Company Response:
State: OH
Zip: 43607
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Since, the opening of bank account with HSBC BANK USA, NA., I was unable to add bill payee OR make bank to bank transfers to my own account I tried to contact XXXX XXXX of HSBC customer relations. She said she is investigating the bug. Even after several emails, she has chosen not to reply to my emails. It is irresponsible breach of trust from a big bank like HSBC. My account is unusable. I made several complaints with the following ticket IDs. XXXX is the ticket number dated XXXX XXXX, 2021 - NO RESPONSE YET ID:XXXX is a ticket dated XXXX XXXX, 2021 - NO RESPONSE YET
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I took out a second mortgage with XXXX XXXX in XXXX and consistently paid. In XXXX it was transferred to HSBC. In XXXX it was again transferred to XXXX but I did not receive any paperwork as I was XXXX overseas to XXXX. HSBC told me they have a record of return to sender. XXXX then became XXXX and XXXX sold to XXXX XXXX XXXX. HSBC told me to contact XXXX XXXX which I did. XXXX XXXX claims they have no record of this loan. I am trying to sell the house but the title report is still showing an old XXXX lien from HSBC who refuses to release because they said it was sold. No company is claiming ownership of the loan and my VA certificate is tied up as HSBC will not release even though they are the last assignment. I am desperately seeking help as a veteran who has been penalized for being XXXX overseas unable to handle this matter. I as for assistance trying to get HSBC to remove this old lien they do not claim ownership of. In my internet research I understand they have done this to many people and it is an unfair predatory business practice.
Company Response:
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A