Date Received: 2021-03-31
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Original ( vehicle XXXX loan was with HSBC in XXXX. In XX/XX/XXXX the loan was satisfied with the last statement in possession with HSBC. HSBC was contacted recently for a lien release, which was never received, who then directed the attention for the lien satisfaction to XXXX XXXX. HSBC stated XXXX XXXX adopted the loan account and would be responsible for the lien satisfaction statement. XXXX XXXX title dept was contacted with all details, a fax request was sent per XXXX XXXX request. A telephone call was made today XX/XX/XXXX, by me, for a follow up of the fax request. XXXX XXXX XXXX XXXX XXXX XXXX is now claiming they don't have access to the account information, therefore are unable to provide the lien satisfaction. The loan was for a motorcycle which has been recently sold. New buyer needs this for title purposes. XXXX reflects the lien as still " XXXX ''. A lien satisfaction was never received by either HSBC or XXXX XXXX.
Company Response:
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
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 XXXX XXXX XXXX. XXXX XXXX, PA, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports. Thank you.
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: HSBC current account was created in XXXX. The amount I deposited is with HSBC. I can't make bank to bank transfers or make bill payments because there is serious bug in their website that affects only my account and not other customers maybe.
HSBC has put me in a vicious circle - The expect me to chat online through internet banking. When they fail they ask to me to call the helpline. When they fail, they send me back to the online chat. The vicious circle goes on and only wastes my time.
HSBC has admitted that its a complex issue and they have kept me waiting for 2 months in the hope of getting a response from IT team.
I am emailing them daily by they only give assurances if 3 days and then they default on their commitment every time.
SEVERAL COMPLAINTS AND NUMEROUS PHONE CALLS HAVE BEEN MADE with several man-hours wasted in the process.
Complaint 1. XXXX is the complaint registered in XXXX XXXX.
Complaint 2. Company Response: State: Zip: XXXXX Submitted Via: Web Date Sent: 2021-03-30 Company Response to Consumer: Closed with explanation Timely Response: Yes Consumer Disputed: N/A
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Date Received: 2021-03-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: From previous complaint, I have decide to closed my HSBC account XXXX Hsbc send a letter saying they are gon na refund my balance of {$5100.00} They even provided a fedex label. As of today I did not received any fund
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Company called XXXX called my husband, claiming he has a XXXX debt that needs to be taken care of. Said that it had to be taken care of right then, or he would be taken to court. No notification or prior notice had been sent by this company. They called my phone the following day, and then refused to speak to me because I am the wife, and not the debt holder. After multiple times of being hung up on by the lady who spoke with my husband and her supervisor, he finally explained to me. Claimed it was a debt from 2002, almost 20 years ago. Said I had to pay at least XXXX TODAY, or a judgement would be filed against us. He was extremely rude ( I was not nice back ), telling me that he was XXXX, and I would not talk to him in that way, that I needed to respect my elders. He called me a liar, because he cut me off before I had a chance to explain what I was saying. I was driving and taking my mom to a doctor 's appointment and he told me I was making excuses to not pay. It was an overall horrible conversation, and I can't find anything legit about this company. They've called from multiple numbers, and none of the numbers bring any information up.
Company Response:
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I believe that HSBC lowered my credit line. They have not issued any letter or calls stating this. They have the absolute worst online site. You cant see your limit except for the last statement which show {$2500.00}. So I was buying something small and last I knew had XXXX or more available and I was declined. I looked at my statements and my credit score hasnt change much in fact has got better. Ive never missed a payment. What they are doing is Wrong!
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/XXXX, I first attempted to open up a premier checking account online, which is required in order to qualify for a bonus XXXX {$600.00} ). Account was not opened, reason ; unable to verify my identity. Called the bank for assistance and was given misleading inaccurate information and was told to reapply after 48 hours. Checked all 4 of my credit files to make sure the information contained within was accurate as suggested by HSBC representative. Waited the 48 Hours as was suggested to reapply on XX/XX/XXXX, with the same results ; declined unable to verify identity. Tried again 1 hour later adding an additional product savings account, decline same reason. Call back again was told to wait 72 hours, it was suggested that the system was Auto declining me. Waited and called them again for assistance, received the same scripted answers, transferred multiple times ( 3 ) with no results. not one representative was able to assist me. Called back the department designated to assist people with XXXX on XX/XX/XXXX. Was able to speak to a representative who tried help. He was very frustrated receiving the same conclusion. he could not provide a complete explanation on why the decline was happening. He was going to check out my options, but has not contacted me back to me in the timeframe he stipulated. The bonus program I was applying for is expiring XXXX XXXX. I won't be able comply with the requirements because of The bank 's Discriminatory practices prohibited me from opening this account. They offered no Accommodation for me. They offered a product bonus with no intent to honor the offer. Unlawful business practice. They used Discriminatory barriers to prohibit customers verification through other lawful methods. Application ID # s ; XXXX, XXXX, XXXX, XXXX
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I opened the HSBC Gold Credit Card in early XXXX to do a balance transfer as they were offering 0 % interest with no balance transfer fee if the BT was done within 60 days of the account opening. I was approved for a line of credit for {$8000.00}, and I authorized a balance transfer of the entire {$8000.00} on XX/XX/2021. At that time, I put the account on autopay for the minimum payment. I checked my account on XX/XX/2021, and HSBC charged me {$320.00} fee for the balance transfer. I called HSBC and was transferred several times, and representatives all refused to reverse the fee OR to reverse the balance transfer transaction. HSBC claims the 4 % fee was disclosed to me- which in all of the documents I reviewed no where did it state a 4 % fee. Additionally I completed balance transfer online, so had there been a fee to be charged, the system should NOT of let me balance transfer the entire line of credit, as now I am {$320.00} over my approved line of credit and subject to an over-limit fee. Finally when I claimed UDAAP and CFPB, they said that I could pay off the entire {$8000.00} and they would submit for a possible waiver of the fee. Supervisor XXXX stated that she can waive the fee only after full $ XXXX was paid. I authorized a check over the phone for the balance transfer amount ( reference # XXXX ). XXXX said she will waive the balance transfer fee and OVL fee after the payment posts. This is not acceptable they were not able to cancel the balance transfer fee or reverse the balance transfer.
Company Response:
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX has failed to send the legally required validation or response to my request for validation of account number XXXX. I have sent you Debt Validation Letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, and XX/XX/XXXX, having return receipts signed by you ; suggest that you have received the letters. I. XXXX/HSBC/XXXX XXXX knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me. II. XXXX/HSBC/XXXX XXXX failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. III. XXXX/HSBC/XXXX XXXX communicated and is continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, malicious, and intentional acts, I have suffered and continue to suffer general and specific damages. I am now demanding the immediate and complete removal of this tradeline from my credit reports Please understand that I am extremely concerned about the consequences of the actions XXXX is having on my life and would like a quick resolve.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment of XXXX on the credit card and the funds were deducted from my checking account and received by the credit card bank but not made available to me as credit. This took place on XX/XX/21. This not the first time that this has happened. They advised me that the funds would be available in 7-10 days. That means they are using my money for 7-10 days for investment or other uses. In addition they arbitrarily lowered my credit limit without advising me and as a result I had a purchase declined.
Company Response:
State: IN
Zip: 46383
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A