Date Received: 2023-09-27
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Received numerous voicemails and they are making numerous calls to different people within my company. The last call they said they are with the XXXX XXXX XXXX 's office and it's urgent they speak to me. I called back and they are not with the clerk 's office the lady said the company is XXXX or XXXX XXXX XXXX. She also told me my wages will be garnished and asked if my employer had told about the garnishment. I told her no and that I know they can't garnish my wages without a court order so send me the court date. I asked why they are saying they are with the XXXX XXXX XXXX 's office when they are not and she said that is someone else who is trying to serve me that made the call. I then called the XXXX XXXX XXXX 's office and there is not record of an impending court case or date and there is nobody serving for me a court date as nothing has been filed in the court. Phone # XXXX that they have called me from are XXXX, XXXX
Company Response:
State: IN
Zip: 46131
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/, HSBC US locked my account, including Checking, Saving, Credit card. When I called them to ask why they did this, HSBC US replied that they would conduct an account Review without giving me the reason or time to solve the problem, but only asked me to wait indefinitely. However, I just put about XXXX XXXX dollars of my real estate transaction into this account before XX/XX/XXXX. Together with the XXXX XXXX dollars stored in this account before, my account contains more than XXXX XXXX dollars, which is a large amount of money. I need HSBC US to return the money to me as soon as possible, rather than locking my account indefinitely and taking possession of my money.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In late XXXX, I opened an additional savings account with HSBC Bank USA - called a Premier Relationship Savings Account. The Account is tied to the Premier Checking account I have had since XXXX. The features of the savings account were that you would receive a much higher " relationship '' savings rate if in the previous month you completed certain tasks like make a direct deposit or use the debit card. For many months I had my paycheck deposited into the Savings Account, and had always received the special savings rate ( far in excess of the basic rate ). Suddenly in XX/XX/XXXX, I stopped receiving the high interest, and only received {$4.00} on a {$100000.00} balance instead of expected {$400.00}. This happened again in XX/XX/XXXX, and I only noticed both months ' issues in XXXX when I contacted HSBC. I later learned that HSBC had made a mistake. I was a former employee of HSBC ( XXXX ) and they had coded my account as an " employee '' and it was only because of this code that I was receiving the higher rate. In fact, my deposits had nothing to do with it, because I accidentally had them made to the " Savings '' instead of the " Checking '' account. While it seems I made a mistake, I was relying on the same actions from every single prior month, and of course, when suddenly the interest rates were much higher later in XXXX, HSBC seems to have turned my account off without notifying me. HSBC claims I was properly notified of their mistake - and I never received ANY notification of their error - otherwise I would have reviewed all my actions and made sure that I was eligible for the higher rate on my own. By failing to properly notify me of their mistake, they cost me the opportunity to " fix '' what appears to have been my own misreading of their very confusing promotion! ( Who would have noticed that it mattered which account you deposited funds to. )
Company Response:
State: NY
Zip: 10013
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: This company called everyone I know and left them voicemails about my case. They called XXXX of my family members, before they called me to tell me about the debt being collected. In addition, they claim that they mailed me information about the debt but I have not received anything. They are operating in bad faith.
Company Response:
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a XXXX. I applied for a HSBC bank account in early XXXX. After the account was approved, I tried to apply for a credit card. When the bank needed additional information many times, I finally approved my credit card application. When they mailed me the credit card, I logged in to the bank and found that the credit card account was abnormal. I called the customer service. They said that the risk department re-examined the XXXX, and at the same time, they closed my bank and checking account. On XX/XX/XXXX, I provided the information according to their requirements. The risk department said that the results would be issued in 3 to 5 working days. I communicated on the phone many times in the middle of the journey. They kept waiting and did not give me a result. It was still frozen until XX/XX/XXXX. Please help me.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: US HSBC XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I deposited US {$80000.00} to apply for a nine-month 5.25 % time deposit. I waited for several weeks with no response. I called several times and some responses were that the application could not be found, and some responses were that it was being processed, but the responses were all different. XXXX. I also submitted a credit card application in XXXX, but there was no news. I asked for the same reply multiple times, either the application information could not be found or it was still under review. Multiple replies with different answers. XXXX. There was no result notification in XXXX. I asked customer service again and submitted the application again. There was no news for half a month. On XX/XX/XXXX, the account showed " Sorry, there was a problem loading your accounts. Pull down to refresh.Error code XXXX '' " It's been like this all week. XXXX. Asked the bank customer service and the reply was that the account was locked. What's the reason? The customer service reply was unclear and asked me to wait. Two weeks later, it is still locked. I called customer service again and contacted the bank 's security department. The security department told me that they didn't know the specific situation and told them to wait. It would be unlocked after a few days. After a few days, it would still be locked. XXXX. Finally, when asked about the specific reason, the banks answer was unclear. When will the account be unlocked? The banks customer service response was unclear and there was no specific time limit for them to continue waiting. XXXX. For such a baseless service, leaving my {$80000.00} in the bank has no value. Any banking transaction is chaotic. And they locked my personal account without any reason or reason. XXXX. Regarding the same problem, I searched on the Internet and found that there are many similar problems, especially for international users in the XXXX XXXX region who have locked their cards and closed their accounts on a large scale without any reason. I dont know which US law stipulates that users in XXXX XXXX are treated so differently. Is this XXXX discrimination? XXXX. Due to language and geographical issues, many people encounter such discrimination and unfair treatment and have no channels to speak out or a platform to complain. My complaint reflects the hope that the relevant departments in the United States will take it seriously, review and handle it properly, and provide a reasonable solution. XXXX. Moreover, the above-mentioned unreasonable discrimination is unfair. Are their bank 's practices reasonable and standardized? Does it comply with industry regulations? Is it legal and compliant and does not violate relevant laws? XXXX. Regarding the above description, I can cooperate to provide more information to help your supervision, and the banks customer service should also have recordings that can be investigated. Please also investigate what I said about the large-scale unreasonable discriminatory treatment in the XXXX XXXX XXXX XXXX. I hope that HSBC XXXX XXXX XXXXXXXX will not discriminate against our users in XXXX.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Good morning, I was with HSBC BANK since 2018, I had 6 accounts with them. I was informed by XXXX that they had a data breach an I was included in that data breach, as a result I was exposed to immense identity theft, from this bank, I informed them of the data breach an the identity theft that was going on, they ignored me, I had XXXX in these accounts, I had also an brokerage account ... .this bank violated all consumer laws, I never had any Fraud alerts put in place after I informed them of the many infractions, they were still letting scammers in my accounts an Taking all my money, they keep closing my cards an sending me new ones, because I had to keep calling to informed them after I sent all my information to them, they sent my letters saying that there was FRAUD on my accounts, but never refunded my money, the only money they returned was XXXX to me it's still XXXX unaccounted for, they owed XXXX, XXXX still that they never refunded me, when they sent the letter acknowledging that it was Fraud on my accounts, I keep calling an writing them with no call back, no letters to inform me of exactly whats going on with my accounts, Everytime I contact them, they would have me on hold for hours, then the phone would hang up, i had to call back again an again, they wouldn't answer, then they kept switching me to different departments in which the same person would answer the phone an tell me they somebody else, when i kno im talking to the same individual, this is insane, thats all the money I had, i have a XXXX sister an a XXXX son, that depends on me an they let someone garnish all my money out of my accounts without informing me, i had to inform them, my other bank account informed me Everytime there was fraudulent activity going on, but HSBC didn't, if they were able to refund XXXX back to my account they acknowledged that there was fraud going on at a alarming rate, so I guess I was doing to much calling looking for a refund of my money, they Closed my accounts out without Prior notice, Or a Phone call telling me if that what i wan na do, they just did it on their own, an thats Not fair to me, they violated all my consumer banking rights as a bank I been with over 5 year 's, I expected a better banking experience with them then what happened an I'm devastated an apaulled by this bank, i would never recommend anyone to bank ay this Bank XXXX they were very nasty when i would call requesting my money back, I never had this happen, XXXX XXXX XXXX refunded my account, XXXX XXXXXXXX XXXX XXXX my account, but HSBC refused to acknowledge this disturbing situation, I have no MONEY, how can I support myself, my XXXX sister, my XXXX son, with no money, if they would have refunded my account then closed it, that would've been different, but these things never happen, they just threw me to the waste side like garbage, an i was a loyal customer, i wasn't aware until XXXX XXXX me aware, im waiting on payment from XXXX XXXX, i really need your help, because I'm at my wits end with this Bank, this is not Normal banking Practices, an they closed my case, without.y knowledge, sent me my statements, But NO LETTER STATING WHY, WHEN THEY SENT ME LETTERS AT FIRST ACKNOWLEDGING THE FRAUD, I NEED HELP PLEASE I CAN'T LIVE LIKE THIS, THUS THE FIRST TIME THIS EVER HAPPENED TO ME, AN IDENTITY THEFT IS AT AN ALL TIME HIGH RITE NOW, AN IT SEEMS LIKE ANYBODY whose able to get over on you or take advantage of the vulnerable people they will, even the banking system is robbing their own client 's. I was a Loyal customer at this bank! Please help me get my money back please, please, please!
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/XXXX I tried taking out money from HSBC bank in XXXX XXXX. While trying to withdraw funds the machine only dispensed {$200.00} pesos ( {$10.00} dollars ) and charged me {$7000.00} pesos ( equivalent to {$420.00} dollars ) in atm fees, plus a tax fee of {$1100.00} pesos. Which I understand I would get a fee to withdraw from a foreign atm due to my debit card being from the United States! But upon trying to get my money back from HSBC or my trying to get this resolved thru my Own bank XXXX XXXX XXXX XXXX XXXX help me XXXX get this straighten out. They keep referring me to each other get this resolved. I really need something to be done
Company Response:
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
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: On XX/XX/XXXX I sent a credit card payment of {$200.00} from my XXXX XXXX XXXX XXXX account to my HSBC card. HSBC sold the card to XXXX XXXX XXXX XXXX and closed my HSBC credit card. On XX/XX/XXXX, after XXXX hours after I sent the payment in, I realized I sent the payment to the wrong company, so I called HSBC to see if they would transfer it to the new card. I was told it would bounce back into my bill pay account within XXXX hours. I waited & nothing was returned. I called XXXX and they told me the same thing should happen, but it may just take a little longer. I called XXXX XXXX XXXX and they had not received the payment from HSBC. I contacted XXXX again and filed a claim, but they said they could not help because my money had been successfully sent to HSBC in the past and HSBC accepted it, there was nothing else they could do. They did provide me with the proof of payment, transaction # & time/date of acceptance of my payment by HSBC. It was accepted by HSBC at XXXX XXXX on XX/XX/XXXX. I started a claim with HSBC and faxed in, approximately 5 times, the information XXXX gave me on the payment, so HSBC may properly research the claim. HSBC never asked for proof of purchase or other identifiers or pertinent information, but I've insisted on giving them what I had. HSBC claims every single time that they don't have my payment. I have continued to call them once a week for the last 6 months and they claim they never received the {$200.00}. I have called and gone into XXXX bank at least 5 times and they try to help, but say they have a new software system since XXXX & are unable to help. I'm at a stalemate with BOTH big banks and I'm missing {$200.00} in the digital world between the 2. I would appreciate your help. {$200.00} may not be a lot to them, but it is terribly important to me. Thank you!
Company Response:
State: CO
Zip: 80026
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A