Date Received: 2021-01-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2020 I opened a checking account with HSBC under the terms that I would be receiving a {$220.00} bonus for opening the account and thereafter depositing {$500.00} a month to the account through direct deposit for 3 consecutive months. After meeting the criteria and not receiving the bonus I called the customer service line. I called this line on 7 separate occasions, 6 of which I was promised by the employee that my bonus money would be deposited shortly. On the 7th call, they decide to remit that payment promise and inform me that I no longer am eligible for the bonus. They wasted hours upon hours of my life with their lies and still refuse to pay out the bonus. The incompetence of this bank is absolutely astounding.
Company Response:
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2020, HSBC approved my application for a Premier checking account. Application ID XXXX. This application was completed from HSBCs promotional landing page for the 3 % Cash Bonus offer ( screenshot attached ). The promotion was to pay up to {$100.00} per month, for 6 months, provided minimum deposits were met. Following this application, I complied with all terms of the offer, including funding levels to meet the offer terms. I initially contacted HSBC on XX/XX/XXXX to confirm that the promotion had been successfully applied to the account. They started an internal investigation. After repeated inquiries, they state their marketing system did not correctly attribute my application to the promotion. I reiterated that the application was submitted from the appropriate page. They declined to honor the promotion.
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I started accruing maintenance charges in XXXX of XXXX despite increasing balances. XXXX {$25.00} Maintenance Charge XXXX {$25.00} Maintenance Charge XX/XX/XXXX - {$25.00} Maintenance Charge XX/XX/XXXX - {$25.00} Maintenance Charge
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: We paid what was owed on account but there was an amount charged of XXXX that I never signed for and it was a fraud from a jewelry story from out of the country as soon as it came on my account I contacted HSBC and they would not do anything and I found out they are not in the United States. I need some help and really advise no one to obtain the HSBC CREDIT CARD please help with this situation as I have no problem with numerous credit cards I have and want to fix this Asap
Company Response:
State: IL
Zip: 60462
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I opened an HSBC Advance Checking account with a welcome bonus offer of {$220.00} through a promotional link on HSBC 's website. Unfortunately, after meeting the terms of the offer by completing the direct deposit requirements, I did not receive the {$220.00} deposit bonus. I called HSBC customer service in XX/XX/XXXX to inquire about the missing bonus, after a 90 day waiting period. The customer service representative informed me that I was not entitled to the welcome bonus offer because they could not confirm that the offer was applied to my account. To resolve the problem, I would appreciate the {$220.00} bonus to be applied to my account. I fulfilled the terms of the new account offer, and HSBC should also fulfill their end of the agreement. Enclosed are copies of my records including a screenshot of the offer I received on HSBC 's website when opening my account. I look forward to your reply and a resolution to my problem.
Company Response:
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I previously submitted a complaint with CFPB on XX/XX/2020 and HSBC responded to the complaint on XX/XX/2020 by promising that the credit would be posted to my account within 4 weeks. After more than 2 months, the credit has still not been posted. My original complaint is copied below for reference. And HSBC 's previous response, which they never fulfilled, is also attached. -- -- -- -- -- Original complaint follows >>>>>>>>>>>>>> I signed up for the HSBC Premier Checking Account in XX/XX/2020 and funded the account with direct deposit in response to a promotion to receive 3 % cashback ( up to {$700.00} over 6 months / {$120.00} per month ) of deposits. After waiting more than 4 months after continually funding my account with direct deposits every 2 weeks, I contacted customer service about the cashback bonus. Initially, customer service just repeated the promotional terms to me, which I had clearly satisfied. After numerous additional calls and secure messages, I was told that my account was ineligible for the bonus because, they claim, that I did not sign up for the account from their promotion landing page. This claims is false because I specifically made sure I signed using the promotion page ( because that's how I found out about the cashback bonus and decided to open the account ). In addition, I called customer service after I signed up for the account to confirm that I would be eligible for the bonus and customer service confirmed that I was. In conclusion, I am owed {$700.00} in cashback bonus that HSBC is refusing to honor.
Company Response:
State: VA
Zip: 22043
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened a checking account online XX/XX/XXXX, aiming to take advantage of this {$600.00} bonus offer : XXXX XXXX XXXXXXXX XXXX XXXX I am certain that I clicked Apply now as instructed at that page, and then fulfilled the bonus requirements by setting up regular direct deposits of > $ XXXX. My first full month in compliance was XX/XX/XXXX. According to the offer, " You will automatically receive the 3 % Cash Bonus in your new HSBC XXXX checking account approximately eight weeks after completing that months qualifying activities. '' But 8 weeks after the end of XXXX came and went with no bonus. I contacted customer support on XXXX XXXX, XXXX, by chat, was given an issue confirmation number, and told I would hear back in 7-10 business days. On XXXX XXXX, having heard nothing, I contacted them again by chat and I was told to wait another 3-5 business days.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: An email from the CFPB Ombudsman 's Office stated that : " we understand that your Mother submitted a consumer complaint through an interpreter provided by the CFPB, but that some of the complaint was left out in what was submitted to the company. You also shared that the interpretation was not a very good one The HSBC Banks response reads : Unfortunately, we are unable to communicate with your son about your accounts as we do not have a valid power of attorney on record for him. Were unable to accept the one provided with your complaint because it is for an individual named XXXX XXXX. XXXX XXXX, my husband, passed away in XXXX. XXXX XXXX, one of my children, has a valid power of attorney now ( see attachments ). I do NOT believe that the closing balances of my accounts was {$1700.00} because I was NOT allowed to access my online accounts to cross check the closing balances with my records. According to my records, which include the paper statements, {$1500.00} was already missing from my bank accounts when HSBC closed my accounts in XX/XX/XXXX. Also, there was around {$170.00} in Rewards missing from my HSBC credit card account when HSBC closed my accounts in XX/XX/XXXX. The Rewards in my credit card account should have been credited to my HSBC bank accounts ( see attachment ). As I emailed Mr. XXXX XXXX and Mr. XXXX XXXX on XX/XX/XXXX at HSBC, I need the following six numbers from my HSBC accounts. For simplicity, the total numbers do not need to be itemized, and the numbers may be rounded down to the nearest dollar : 1. The total number of my check deposits and their total dollar amount 2. The total number of my cash deposits and their total dollar amount 3. The total dollar amount of my XXXX deposits 4. The total dollar amount of my bank transfers ( i.e., to and from XXXX XXXX, etc. ) 5. The total dollar amount of the monthly charges and/or late fees 6. The total dollar amount of the interests from all of my HSBC accounts On XX/XX/XXXX, Mr. XXXX XXXX emailed me perfunctorily regarding the above request/numbers, but he failed to get back to me ( see attachment ). I ask HSBC not to send me any indemnification provisions unless the missing {$1500.00} can be accounted for. Please see the attached letter for the details of how HSBC has violated their own zero tolerance policy for discrimination.
Company Response:
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2021-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX to XX/XX/XXXX Amounts {$4500.00} The company said they would try to email the wire team to try to get my money back, but I feel the need to complain because they ignored my complain over phone, I told them that I have asked the costumer services more than two times and they never mentioned once about my account safety. For that, I recalled all the things about this fraud.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: opened a new checking account ( # XXXX ) on XX/XX/XXXX with this offer - XXXX $ opening bonus - my earlier acct was closed on XX/XX/XXXX. As per the terms and conditions of this offer i am eligible for bonus. HSBC PREMIER WELCOME DEPOSIT CHECKING OFFER 1 HSBC Premier {$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 Premier {$450.00} Welcome Deposit you must : ( 1 ) open your new HSBC Premier checking account from XX/XX/XXXX through and including XX/XX/XXXX ; and ( 2 ) make recurring monthly Qualifying Direct Deposits 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. You will automatically receive the {$450.00} Welcome Deposit in your new HSBC Premier 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 Premier checking account from third parties at least once per calendar month. Customers who held any HSBC consumer deposit or investment account XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. Eligible
Company Response:
State: TX
Zip: 79602
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A