Date Received: 2021-02-19
Issue: Getting the loan
Subissue:
Consumer Complaint: XX/XX/2021 - online application was solicited for HSCB by XXXX XXXX via email XX/XX/2021 - application was submitted to HSCB online XX/XX/2021 - documents were submitted online to verify income and banking information XX/XX/2021 - phone call with HSBC to review income verification with request for additional information. XX/XX/2021 - call returned to HSBC to verify employment information. HSBC stated no additional employment verification was needed at this time. XX/XX/2021 - additional income verification submitted online based on the XX/XX/2021 phone conversation. XX/XX/2021 - email received stating loan had only 2 days left to submit the required information. XX/XX/2021 - email received stating loan declined due to failure to verify employment " Unfortunately, we are unable to approve your Loan Application due to the following reason ( s ) : We are unable to verify your employment '' ( attached ) XX/XX/2021 - phone call to HSBC resulted in response that all loan decisions are final and this employment verification error can not be revisited and that no application could be considered for 180 days. HSBC employee would not transfer me to her supervisor.
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened an HSBC account in XX/XX/XXXX and by XX/XX/XXXX I was advised by HBSBC bank that they are going to close the account and send the funds to me within 10-15 business days. It has been almost 3 months and i still haven't received my funds. I have contacted them on numerous occasions asking for an update/resolution however nothing is being done. I went to their branches and they refer me back to customer service which refers me back to branch. On XX/XX/XXXX I contacted them again asking for an update and i was placed on 45 minute hold after that call was disconnected. There are over {$1400.00} funds in my account and i can not access them for some reason and this is has been extremely frustrating. HSBC bank isn't telling me anything nor providing solutions. I need someone from HSBC to resolve this matter and give me my money bank.
Company Response:
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: i have taken a mortgage from HSBC Bank USA to finance aquisition of Apartment in XXXX, i had to come to XXXX and want to sublease the apartment, according to mortgage agreement i need to seek HSBC banks approval to sublet and as per agreement such permission will not be unduly with held, despite my repeated written requests and several phone calls from XXXX to seek this approval HSBC has not granted this approval.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My credit card was stolen and used to make charges. I reported it immediately to the company as soon as I was aware of it. I filed a police report. HSBC continues to try to collect this and has damaged my credit. Some of these charges are in countries I have never been to. HSBC requested I fly at my own expense around the world to all these places to file police reports. They even wanted me to fly to the city in XXXX where their fraud team is in XXXX. They did nothing to investigate and closed their investigation before even providing me with a full list of the charges. I reported to the credit bureaus that these charges were fraudulent and HSBC replied that they " can't contact me ''. I reported these charges within the time required by law. I am not legally responsible for any of them.
Company Response:
State: MI
Zip: 49418
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account was going to be closed! I have not received anything in the mail or any updates. I have funds available and I have not yet received it
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Sadly, this is a continuation of closed CFPB Case # XXXX, also submitted by me. That case was closed as HSBC committed to fixing the issue, but they have failed to do so. The issue is that HSBC US failed to honor its committment of a new account reward for opening a checking account back in XX/XX/2020. As noted in my prior complaint, I interacted via HSBC 's chat feature so confirm that I would be eligible for a {$750.00} new acct premium so I opened a checking acct, deposited {$500.00}, and switched my direct deposit to HSBC. Those actions would meet the requirements. Subsequently, HSBC never gave me that new account premium, and each time I sent a secure message to them ( provide in my last case ), I got a, " we need time to research '' response - this went on for months. After i complained to the CFPB, they responded that they couldnt connect my new acct to a premium offer ( which is rediculous, and sounds like UDAAP ), but that they would fulfill the reward within 4 weeks. here we are again, a few months later ... .no credit from HSBC , ad I almost lost it when the response I got to my last inquiry about when the credit would post with a notification that I am not eligible for a promo offer. Not sure if HSBC is harshly deceptive ( this has to be fine-able ) or just truly clueless and cant keep their commitments ( still unfair to customers,. and warrants further investigation ). There is likely a much bigger issue here worthy of at minimum an audit of their promotion communicationa nd fulfilment practices. For my personal case though, i want this resolved with them honoring thei new acct premium of {$750.00} which I orignially applied for, or if necessary, then the {$700.00} max promo which they alleged was the only premium I was eligible for ( my direct deposits were large enough I would have maxed out that $ XXXX/month, not to exceed a total of {$700.00} they communicated in their response to you last time ). I won't accept less than {$700.00}, even though they should be made to provide all of the marketing they had in place in XXXX XXXX, and unless they are deceptive in their response to you, there you will see their {$750.00} offer which I originally became aware of through nerdwallet.com. Thank yo uvery much for working with me to have HSBC keep their published new account premium commitment as well as the commitment they made to you and me in their response to the original case. I've had bad customer service frpom companies before, but this absolutely, and easily, sets a new low. thank you again for your help. XXXX XXXX
Company Response:
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX from XXXX called me and employer and is harassing me severely. He stated that he was going to seize my assets and file a judgment against me. He would not stop harassing after I told him to please stop. He is referring to an old credit card that was over 7 years old. I am not even sure that this card is mine as he was not able to send me proof.
Company Response:
State: TX
Zip: 78759
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2021, I made a bill payment through HSBC 's online banking platform to pay my credit card with XXXX for my full statement balance of {$780.00}. As noted on HSBC 's website, they have a " {$0.00} Liability, Online Guarantee '' which states that " HSBC will bear the responsibility for any late payment related charges should an online bill payment arrive after its due date as long as you scheduled the transaction within five business days of the payment due date. " : XXXX XXXX XXXX I selected the soonest available date on the bill pay calendar, which was XX/XX/2021. The due date for my XXXX credit card was XX/XX/2021. The payment did not arrive to XXXX until XX/XX/2021. Because the payment arrived late, I was charged a {$29.00} late payment fee and {$25.00} interest charges by XXXX. I don't carry a balance on my XXXX card over to the following month, so I wouldn't have had interest charges incur if the bill pay would've made the payment on time, as promised. I called HSBC 's customer service on XX/XX/2021 to inform them about the fees. The reference number for my HSBC case is XXXX. It has been over 3 weeks and HSBC refuses to refund me {$54.00} ( {$29.00} late fee plus {$25.00} in interest charges ). HSBC claims the payment did arrive to XXXX on time but they can not provide a tracking number to confirm this claim.
Company Response:
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I filed Chapter XXXX Bankruptcy on XX/XX/2020. One of the creditors listed in XXXX XXXX XXXX XXXX, HSBC Bank USA, N.A., of my bankruptcy petition, has sent me a 2020 tax year 1099C. Under the identifiable Event code, ( XXXX XXXX ) they claim it as XXXX XXXX - " a decision or policy to discontinue collection ''. It should in fact show in XXXX XXXX the following code XXXX XXXX " bankruptcy ''. Due to the inaccuracy I would have to pay taxes on this " forgiven '' debt versus a " discharged '' debt through the bankruptcy. I will file a form 928 with my taxes in hopes that IRS will realize I do not owe this and it was filed in bankruptcy however I want this changed. I know I am not the only person this is happening to. HSBC has refused to talk to me and there was no point of contact included with the 1099C when it was sent. I feel that this is a shady attempt to get money out of people who are already in financial despair but who have done what they were supposed to do legally, to rid themselves of the debt. My Discharge from the Chapter XXXX bankruptcy was dated XX/XX/2020.
Company Response:
State: NC
Zip: 28405
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: HSBC BANK USA N.A. CUSTOMER CORRESPONDENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHARGE ON CREDIT CARD FOR {$24.00}. WAS AN CHARGE I DID NOT MAKE. IT WAS A PURCHASE THAT WAS MADE FRADULENTLY. LAST 4 OF CARD NUMBER WAS XXXX. THE CHARGE WAS NOT MADE BY ME. I CALLED THE COMPANY AND ADVISED AND THEY CANCELLED THE CARD AND ISSUED A NEW CARD. I DISPUTED THIS AND THEN THE COMPANY CAME BACK AND SAID I STILL HAVE TO PAY IT. EVEN THOUGH IT WAS FRAUDULENT. THE COMPANY GOT BACK TO ME ON XX/XX/2021 AGAIN THIS CHARGE WAS NOT MADE BY ME.
Company Response:
State: AZ
Zip: 85297
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A