Date Received: 2021-03-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I received an email stating I could go in a local branch to withdraw funds owe to me! When I went earlier they stated they didnt have no information on that. I showed them the email and they still couldnt help me
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have contacted multiple people at HSBC to close the account yet it remains open. I feel that my account is being used against regulations to promote HSBC 's account rates
Company Response:
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
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: I booked a trip to XXXX through XXXX. XXXX cancelled the trip due to boarder closing due to COVID-19 on XX/XX/2020 and indicated to contact your bank for reimbursement. I immediately called HSBC and opened a dispute. I have called multiple times, sent letters, and opened online inquiries as to date have not received anything. The total charge for the trip was {$2400.00}.
Company Response:
State: OH
Zip: 44708
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
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 around XX/XX/XXXX, I attempted to book travel using the HSBC travel portal utilizing my reward points. When I tried to complete my transaction, I was told that there was an error processing the request. No points were deducted from my rewards point account, and a pending charge showed up on my card. I expected this charge to reverse since the transaction failed and I did not receive what I attempted to purchase with my points. A week later I noticed the charge posted to my account, so I filed a dispute with HSBC for the charge. After approximately a month of no reply or notice that anything was being done, I finally received a letter from HSBC asking for more information regarding the disputed transactions. I sent them detailed information outlining the circumstances behind the disputed transactions. After sending this back I assumed the issue was resolved since the charged dropped off of my card. However, I noticed on XX/XX/XXXX, the disputed charges reappeared on my card indicating that HSBC is somehow determining I am responsible for the charges related to a failed transaction where nothing actually resulted in being purchased. This seems to be boarding on fraud from HSBC bank by deceiving me into using their travel portal with my points, failing to apply the points to my purchase, failing to provide me with what I purchased through their portal, and then charging me for the purchase amount. To restate : I have received nothing for the purchases in question. I applied points to the purchase ( which clearly did not happen ). There is no question that these charges should be reversed and to not do so is crazy.
Company Response:
State: CA
Zip: 94086
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a XXXX Checking account with HSBC Friday, XX/XX/2020 following their promotional offer on their website. The offer goes as follows : XXXX HSBC XXXX WELCOME DEPOSIT CHECKING OFFER 1 HSBC XXXX {$450.00} Welcome Deposit Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past two years to apply for a deposit account online. To qualify for the HSBC XXXX {$450.00} Welcome Deposit you must : ( 1 ) open your new HSBC XXXX checking account from XX/XX/2020 through and including XX/XX/2020 ; and ( 2 ) make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to your HSBC XXXX checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. You will automatically receive the {$450.00} Welcome Deposit in your new HSBC XXXX checking account approximately eight weeks after completing all qualifying activities. Qualifying Direct Deposits are electronic deposits of regular periodic payments ( such as salary, pension, Government Benefits or other monthly income ) made into your HSBC XXXX checking account from third parties at least once per calendar month ******************************************************************************************* I have met all the requirements from top to bottom. It has been 7 months since the opening of my account. I have reach out to them on several occasions and each time they either ignored my email or said that they would investigate the case. In the last email, I told them Id file a complaint if they did not act to the promotional offer. Then, they got back and said that I was not eligible to receive the promotion. They claim that I did not open the account through their webpage and I must prove the otherwise in order to receive the promotional payment! The promotional offer was the ONLY reason why I opened this account, and, of course, trusting the HSBC, keeping any kind of proof ( whatever that means ) never crossed my mind. I have never heard of such an absurd and unfair case where I have to prove that I used their website. How else could I have opened the account? I have a PhD in Finance from an XXXX XXXX XXXX, and the HSBC should not think that their customers are XXXX. Instead, they should treat their customers with some dignity!
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
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: There was a fraud charge in the amount of about {$14.00} by a company named " XXXX '', most probably an affiliate of this credit card company, whom I had never heard of, sometime in XXXX, XXXX and XXXX 2020. As the result of this fraud charge sometimes the bill amounted to over {$100.00} due to late and finance fees. However, after contacting the credit card company, named HSBC, the fraud dept. confirmed the fraud and I was reimbursed with the finance fees and late fees at sometime. Unfortunately the next statement there were still some late fees and finance charges were on the statements. However, since 5 months ago I have talked to 7 different people in the fraud departments and customer services and they all have promised to bring the balance to XXXX but they just refund some late fees and finance charges but the balance never goes to XXXX. I have spent hours of talking to representatives of this company located in XXXX and XXXX named XXXX, XXXX, XXXX, and XXXX without success despite of their promise that they would bring the balance to XXXX. Please help as I have never had such a terrible experience. Thank you
Company Response:
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On or about XXXX XX/XX/2020, I filed a CFPB complaint # XXXX against HSBC Bank : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I was trying to open " No borders checking account '' at HSBC online with a promotion. I got a lot of tough time. Twice my application was rejected. I reached out to the customer service via chat - got different reasons every time ( essentially which means nobody knows the truth or telling the truth ). Each chat was for 45 minutes each. Finally i was asked to give a call to the online account opening team at XXXX. I called them at around XXXX XXXX and talked to XXXX. She also trying to transfer me to somebody else - phone banking. Nobody at HSBC knows what they are talking about and simply not helping the customer. This bank should be asked to close out it's operation and go out of USA. It is not allowing US citizens to open the account. Application declined Application ID : XXXX Application declined Application ID : XXXX In the past - this online application was stating that i am not eligible for this offer. Both the chat persons confirmed this. Some or the other way HSBC causes issues for the customers. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - HSBC blamed XXXX XXXX XXXX for this issue. I created another CFPB complaint against XXXX ( # XXXX ). XXXX responded that they couldn't find any such things what HSBC is talking about. On what basis HSBC stated all that - was it some cover up?
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I spoke with many people at XXXX, XXXX, XXXX XXXX XXXX, XXXX regarding a wage garnishment issue. Once that was taken care of I was informed of another file they have for me. The file is for a judgement from XXXX. In XXXX, my bank account was frozen and I had it unfrozen because I was living alone raising a child. I was very naive at the time under the impression I would be notified at a later date to resolve the issue with the debtor. Well over the years, 17 years to be exact I had forgotten all about it since I was never contacted. Now in XXXX, I am being informed by XXXX, XXXX, XXXX XXXX XXXX, XXXX I owe over {$14000.00} on this judgement from XXXX and the only way I found out was because I was calling about another issue. The I was asked if the my contact number was still the same and I was provided a number that I have not had the use of since the year XXXX. I want proof that there was an attempt to contact me over the past 17 years. I find it unreal that a company has held onto this debt and has charged me interest daily for all this time but couldn't locate me to try to collect the money. Also, I asked to try to resolve this issue and was told the client will only accept a lump sum amount. There has to be a way to have proof that there has been an attempt to locate me and a reason why I can't try to make this right after 17 years. I know I owe the money, but I feel as if they are just trying to break me after all these years of no contact by demanding a lump sum payment to clear it.
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: ( TL ; DR at bottom ) In XX/XX/XXXX, I decided to open a Premier Checking account with HSBC. One of the reasons I decided to switch to HSBC was a {$470.00} dollar promotional deposit that the company was offering at the time. I heard of the promotion on the following website link ( this link still reflects the company 's promotions for the month of XX/XX/XXXX ) : XXXX XXXX XXXX # PremierCheckingWelcome The details of the offer were described accordingly : " '' '' '' Minimum deposit to qualify : {$0.00} Expiration date : XX/XX/XXXX How to get it : Open a new HSBC Premier checking account by XX/XX/XXXX. Next, make monthly direct deposits totaling at least {$5000.00} from a third party for three straight months from the second full calendar month after opening the account. When youll get it : About eight weeks after completing all qualifying activities Terms and conditions : This offer is only available to new HSBC Premier checking customers, and all applications must be completed online. Monthly fees : {$50.00}, but can be waived if balance requirements are met Promotion page : HSBC Premier Checking Welcome Deposit " '' '' '' The final line included a hyperlink to HSBC 's promotional website for this offer. The company has continued to use this url for its promotional offers : XXXX XXXX XXXX XXXX XXXXXXXX I navigated to the HSBC promotional page in a separate tab to confirm that the offer was legitimate. Using HSBC 's own webpage listed above, I chose the Premier Checking promotion offering {$470.00} dollars as a promotional or " welcome '' deposit. I read the terms and conditions of the offer to make sure I qualified for the welcome deposit. I applied on XX/XX/XXXX, and my account was opened on XX/XX/XXXX. The main criteria to receive the welcome deposit was to " make recurring monthly Qualifying Direct Deposit totaling at least {$5000.00} from a third party to your HSBC Premier checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. '' I achieved the required Direct Deposit amount starting in XX/XX/XXXX. Under the language of the agreement, I became eligible for the welcome deposit by the end of the XXXX. Following the offer language that I would receive the deposit " six to eight weeks after meeting the conditions '', I expected the {$470.00} by XXXX. I made one or two calls to HSBC Premier customer service in late XXXX to confirm that the money was incoming. Both times, I was told that I had definitely met the requisite conditions to receive the welcome deposit, that the money was simply delayed due to the holiday season, and that I would receive the deposit in the first week of XXXX. In early XXXX, I still hadn't received the deposit, so I called XXXX XXXX customer service again. They opened a query on my account and told me to expect a resolution within a week. I was told I would receive a call back to confirm my complaint within 5 business days. After about 10 days, I emailed HSBC from their website for an update on my query. I received the following message back on XX/XX/XXXX : " Thank you for contacting HSBC Bank USA, N.A. We have received your follow up BankMail inquiry with regard to the status on bonus offer. Your account was reviewed by our Campaigns and Promotions Department and found that your account application was not submitted via required campaign/Marketing Landing Page. As such, we regret to inform you that your account is not eligible to avail the bonus. If you have any further questions or concerns, please do not hesitate to contact us. '' I was confused and upset when I received this response. For one, this statement was in contradiction to earlier representations made by HSBC customer associates. Second, the message did not indicate what evidence HSBC had to come to this conclusion, and did not provide any evidence or further explanation. If the promo page I had used wasn't the right one, what was the right page? I called HSBC Premier customer service the following day. The customer service rep assigned to my query was XXXX ( phonetic spelling ). I explained my confusion and disagreement with HSBC 's written message. At the end of my call, XXXX told me that she would escalate my complaint and that I would receive a resolution within 5 days. She also promised she would call me back as soon as my query had been resolved. Another 10 days passed. No resolution. No further communication from HSBC. I called several times in early XXXX for updates. At this point, I was working with a customer service rep named XXXX or XXXX. Each time I called, she told me that her records indicated that the escalated query was still under investigation. This continued for about 2 weeks. On or about XX/XX/XXXX, I called again for an update. XXXX/XXXX offered to personally forward my complaint to a " relation manager '' for resolution. She assured me that the relation manager would call me within 2 business days. She also indicated that other HSBC customers were trying to get their welcome deposit, and that I was " definitely not the only one '' having this problem. 2 days passed. No contact from HSBC. On XX/XX/XXXX, I once again called XXXX and had a nearly identical conversation to the one around XX/XX/XXXX. She said she had re-emailed both her managers about my complaint, that she couldn't do anything more. She once again said a relation manager would reach out to me. To date, I have still not heard from HSBC. TL ; DR : I opened an HSBC checking account and qualified for a special welcome deposit of {$470.00}. After first telling me that I was going to receive the deposit, HSBC claimed I didn't meet the requirements for a promotional welcome deposit. They refuse to provide any evidence or explanation as to how they came to that conclusion. They have also promised multiple times that I will receive a call from a " relation manager '' to resolve my complaint, but nothing has happened. I have tried for two months to resolve this problem, but have been constantly frustrated by HSBC 's non-existent communication and refusal to address my claim.
Company Response:
State: WA
Zip: 98367
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened an Account with HSBC Bank on XX/XX/2021 with {$10.00}. a Few days later I was advised by them that they were closing my account. They have not provided a reason why and they still to this date will not release my funds to me. I have made multiple attempts to contact them. They say go to a branch but I am over a 900 miles from the closest branch.
Company Response:
State: MO
Zip: 65803
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A