Date Received: 2021-03-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: HSBC has block my account without any valid reason, to protect me they said. They unwanted protection cost me a bunch of late fees on different account, a notice eviction, and I have to borrow money in order to pay basic stuff like foods, water, electricity. I would like them to refund {$1000.00} of late fees on other account, eviction fees and other fees i have incurred. thanks
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: This complaint is to be directed to XXXX XXXX XXXX. On XX/XX/XXXX. I saw an online promotion with a Welcome Bonus of {$200.00} for New Depository Customers. This has lead me to start a Depository relationship with HSBC. I went ahead and accepted the offer and open a Consumer Checking account with HSBC via the online link to their official website. I follow the instructions & verification as stated. I completed all necessary requirement so I could qualify for the Bonus. After months waiting. Have yet to see any bonus offer applied to my account. I decided to call and inquire of the Status. I was told different answer and ask to wait till end of month for the bonus amount of {$200.00} to be credited. it has been 2 months and still no credit from HSBC. Yesterday, XX/XX/XXXX. I call again and i was told that I have had an a Checking act in the past. I am certain I have never use HSBC as my transaction bank. I do not Bank with them, Just a Credit Card. I asked that if they could provide me with the " account number/ type of account '' they were claiming to be mine. They were not able/refused to provide me with such info. All I would like this to be resolved and for HSBC to honor the Terms & Conditions stated for the Welcome Bonus. This is misleading consumer to increase account with deposits. Very wrong. Thank you for taking on & reading my complaint Best, XXXX XXXX
Company Response:
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: HSBC Bank used to have a decent rewards program, which I used several times to redeem points for travel. Wanting to use it again, I called in XX/XX/XXXX, and was told that XXXX points would give me a {$400.00} credit. I had over XXXX reward points then, and purchased a ticket on XXXX XXXX. ( {$1100.00}, and seats for {$62.00} and {$64.00} ). On XXXX XXXX, I called to redeem XXXX points for an {$800.00} credit. A veritable horror story started then. I was told the rewards program changed at the start of XXXX, and I could not get my credit the same way ( there was one email telling us that it changed, but no indication that redemption ratios also changed ). I spent days calling, getting absolutely nowhere. Later, I emailed and emailed ... a nightmare. I got a final email on XXXX XXXX, telling me that I got some credit for the purchase, and leaving me with about XXXX points ( in the meantime, the seat price was refunded because the flight was cancelled and rescheduled ). I believe that HSBC owes me at least XXXX points still, because - as staff admitted - I should fall under the previous rules, since the purchase was in XXXX ( My initial interactions were with staff in XXXX, from what I gather, and their indifference/incompetence was hard to believe. ) Even with new rules, XXXX points equal at least {$100.00}. I emailed again, but got no response. Please help ...
Company Response:
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I believe that HSBC is using deceptive practices on credit cards. I got the notification that my statement was available. I attempted to set up my payment as I normally do, online. However, it no longer allowed me the option. I used the chat function and learned they had placed a block on my card for reasons unknown and in doing so, also blocked my ability to even make my payment which will in turn cause damage to my credit. I was instructed to call the 24/7 help line and was told they couldn't even look up my account because it was after midnight at their location. I feel like they are placing unwarranted blocks on cards to prevent people from being allowed to make a payment so that they can charge additional fees.
Company Response:
State: OK
Zip: 749XX
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a US citizen who moved the XXXX to attend university in XXXX and have lived full time in the XXXX from XXXX to XXXX. It is XXXX now and am returning to the USA and have been offered a position in the finance sector. The employer has processed a background check for me including pulling my credit report of which i have had no need to check as I have not needed to use my credit. It has been discovered that I have two fraudulent credit card accounts opened in my name from XXXX, 2 years after I had already begun to live in the XXXX. One of the cards had been used up until XXXX and the other up until XXXX before being charged off and transferred to a company called XXXX XXXX XXXX. Acct XXXX Balance {$2200.00} Open date XX/XX/XXXX Charge off date XX/XX/XXXX XXXX XXXX Acct XXXX Balance {$3500.00} Open Date XX/XX/XXXX Charge off date XX/XX/XXXX I can attest that these are not my accounts and that I had no knowledge of opening them or using them to my benefit. These are fraudulent credit card accounts and would like them to be removed from my credit report immediately
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: HSBC bank incorrectly credited my account and then tried to collect incorrect amount from me. While I was dealing with HSBC and filing a complaint, HSBC reported my account delinquent. Attached you will find a letter from HSBC stating that they were wrong and that no negative reporting was done ( paragraph 3 ). I attached a screen print showing that they reported my account delinquent. I hope I explained everything
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I wrote to your bank about accounts that should not appear in my report. You asked to send you a copy of the report
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I tried to open a checking account at hsbc bank in XXXX on XXXX XXXX in XXXX XXXX and they would not open a account for me I do not no why
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I signed up for a bank account with HSBC and was entitled to get a bonus based on direct deposits made to the account. I know that I signed up through the correct link. The bank confirmed that on the phone, but then later refused to honor the bonus. HSBC owes me {$700.00}.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX. I'm in the process of refinancing my home. Unfortunately when the title company ran my info the following lien / loan appeared and I do not recognize it. This mortgage of {$15000.00} has been outstanding since XXXX. Nobody contacted me to pay them back and it does not show up on my credit report. The title company will not remove it until they get permission from who I do not know. I tried calling the companies involved but it was sold to HSBC. I tried contacting them but they were bought out too. I tracked this loan and it has been bought and sold at least 6 times and when I contacted them they are telling me the loan does not exist with them. I tried everything and now I'm reaching out to you regarding this situation. Below is the response I received from HSBC : We are not authorized to release the lien as servicing was transferred to XXXX XXXX effective XX/XX/XXXX. XXXX was acquired by XXXX, and subsequent its assets were acquired by XXXX XXXX XXXX XXXX. Please contact its servicer XXXX XXXX servicing at XXXX XXXX XXXX, XXXX, SC XXXX, Ph. XXXX. Name XXXX XXXX Address XXXX XXXX XXXX XXXX NY XXXX Tele XXXX XXXX XXXX Date of Origin XXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX Recorded XX/XX/XXXX Title # XXXX Liber XXXX Page XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A