Date Received: 2021-01-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have a HSBC Premier Checking account. Yesterday on XX/XX/XXXX, I made a Real-time Transfer of {$60.00} from my HSBC Premier Checking account to my XXXX XXXX Savings account. Since this was a Real-time Transfer, it should be received by my XXXX XXXX Savings account instantly. However, when I checked my XXXX XXXX account, this {$60.00} transfer was not received at all. Then I called XXXX XXXX and was told by XXXX XXXX representative that they didn't receive this {$60.00} transfer from HSBC at all. However, this {$60.00} has been already deducted from my HSBC Premier Checking account and the transfer status on HSBC end shows successful. Apparently HSBC deducted this {$60.00} from my HSBC checking account but didn't send this {$60.00} to my XXXX Savings account at all. HSBC illegally stole this {$60.00} from my HSBC Checking account now. I request HSBC to IMMEDIATELY either send this {$60.00} to my XXXX XXXX Savings account instantly or post this {$60.00} back to my HSBC Checking account.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I refinanced my HSBC loan with a new bank in XX/XX/XXXX. HSBC Unjustifiably charged me {$3400.00} at the closing date. HSBC stated that this amount was belonging to my outstanding unpaid fees from XXXX loan modification. HSBC it is stating that its previous loan servicer, XXXX, did not include {$3400.00} in the final loan modification amount, therefore, this amount should have been paid at the time of future refinance. The executed note Modification agreement in XXXX clearly stated that all unpaid amount including interests and unpaid fees are summed as my new loan balance. There have not been any signs of additional amount {$3400.00} anywhere else. Within the last five years from XXXX HSBC never communicated nor disclosed that such amount {$3400.00} had existed. Therefore, I can conclude that such amount did not exist. And, even if HSBC is stating that his previous loan servicer forgot to include this amount in the loan modification agreement this would be a serious mistake solely caused by the HSBC previous servicer. HSBC should have gone after his incompetent servicer for HSBC lost money not after me as an honest consumer which have no control over the servicer 's mistake. I agreed to sign the loan modification agreement based on the facts and contractual information which were clearly disclosed. I would not have signed the loan modification agreement if {$3400.00} was included in the first place. Therefore, at this time, I request HSBC to pay my money back as soon as possible. As it can be inferred from media and public information sites, this is not the first time that HSBC is causing such errors and violating good faith lending practices. As a customer, I should be protected, and my voice should be heard. HSBC failed to make its own fiduciary on time assessing its third-party wrong doings. Again, the said amount, {$3400.00}, if existed should have been disclosed to me within much earlier time but not on my refinance day. I believe justice will prevail at the end especially in our beautiful country, USA. Again, I demand HSBC to release my money and amicably resolve this issue internally as soon as possible. Thank you.
Company Response:
State: CA
Zip: 92691
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: HSBC BANK credit card services closed my credit card for no reason. They claim that have sent letter to me. I have not received any communication from them in this matter. This was my oldest account of all credit accounts I had over 3 years old. Again I've not violated any of the HSBC BANK terms etc. Never had a late payment pay all my bills on time. I've been with HSBC BANK bank since 2017. I have not received any letter from them. I have HSBC BANK app on my phone and have not received a similar communication. I demand that my cards are re -opened immediately. My card has been closed in violation of the Lending Act, EO Act and FCRA act. 1.HSBC BANK has violated my rights to Safety, by closing available credit line I had at my disposal for no reason. 2.HSBC BANK has violated my rights to be heard since have not taken any action. I've contacted them and they have not heard my concern. 3.HSBC BANK has violated my right to information, by not sending the communication in all available methods. 4.HSBC BANK has violated my right to choose by not letting me have a choice and single handedly taken action against me. Again I demand Opening my account immediately and recovering and reporting all my history to the bureaus
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
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 have purchase an item that I have never received on XX/XX/20 XXXX XXXX DE {$950.00}. I still haven't received this order. The picture I have sent to you is a sample picture that my supplier sent me to check the quality of the product. This ordered were cancelled due to the poor quality of the sample. I need to get my money back because I have never received any merchandise.
Company Response:
State: NY
Zip: 11231
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
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 tickets with XXXX XXXX XXXX. The airline canceled my flight because of the Covid 19. There were 2 charges for {$220.00} each, total amount XXXX. I disputed the charges. On XX/XX/20 I received a letter from the bank that a credit was issued on my account for {$220.00} x 2. The amount of credit I received on XX/XX/20 was {$220.00} and {$73.00}, not the full amount that the letter indicates. The dispute was ruled not in my favor and the credit card company is asking for the money back. They are asking for the full amount, ( {$220.00} x 2 ), not the amount I received ( {$220.00} and {$73.00} ). They are trying to collect the difference {$140.00} which I do not owe to them. I made at least 4 calls to the credit card company, the agents that I speak with see the issue but the charge is not being removed. One of the agents name is XXXX, id XXXX. I have nothing in writing from the bank that the issue is being addressed.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I responded to HSBC Premier account promotion by opening an account with them before XX/XX/XXXX. Before I opened this account, I did call to check with HSBC and did confirm that I do qualify for this promotion. However, I did not received the promotion after mid-XXXX. I chatted with the customer service and was told that I have satisfied all the terms for promotion but have to wait till mid-XXXX for the promotion credit of {$470.00}. I checked again on XX/XX/XXXX and they confirmed I do qualify ( see attached first pdf email from them ). However, upon checking again, I was told that I do not quality today ( see attached second pdf email from them ) HSBC is cheating their customers. I have three times repeatedly confirm with them the promotion. If they were to tell me the truth at the beginning, I would not have to waste time open the account and made effort to fulfilled all their terms. Please help me look into this matter and have HSBC honor their words. Thank you.
Company Response:
State: CA
Zip: 95129
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: At the end of XXXX, I decided to move forward with my mortgage refinancing. HSBC advised on the phone that closing costs would be around USDXXXX. On XX/XX/XXXX I received a letter from HSBC estimating the closing costs to USDXXXX. Ahead of the closing process, I had told HSBC that I will be on vacation a week before the closing date. Closing occured in Mon XX/XX/XXXX and I received the closing costs details on Friday XX/XX/XXXX from HSBC lawyers. The process was hectic but realised that closing costs had jumped by almost USDXXXX which is not a small amount of money. I took a closer look at the closing costs and noted an increase in USDXXXX in origination costs and additional fees that were not mentioned in the estimation dated XX/XX/XXXX such as : Title - XXXX XXXX to XXXX XXXX XXXX XXXX {$60.00} Title - XXXX Fee to XXXX {$55.00} Payoff Attorney to XXXX XXXX XXXX XXXX & {$650.00} I called HSBC and a person explained to me that the originator fee had increased because of the higher XXXX ( market value had decreased ). I had not been made aware of that and the HSBC agent who was in touch with me did not bring this to my attention which is disappointing. The HSBC agent was on vacation during closing week, which I just discovered when sending her an email to get explanation on Closing Date.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: 1. Tried to redeem rewards points into a checking account on XX/XX/XXXX. Did not realize it had to be an HSBC checking account and the application accepted my account number. Within a few minutes I realized my mistake and called HSBC to cancel the redemption. They could not and said the points would automatically go back into my account when they found no HSBC checking with that number. 2. Received a letter dated XX/XX/XXXX saying that I had tried to redeem points into an invalid account, and the points had been put back into my rewards account. 3. On XX/XX/XXXX, I checked my rewards account on the points had not been put back as the letter indicated. I called HSBC again, and they said they would open an " escalation '' to investigate the problem. When I called a few days later for an update, I was informed that escalations might take up to 10 business days to be addressed. I was not sure why I had to open an escalation for the points to be redeposited as the letter indicated. 4. On XX/XX/XXXX, I called to find out why the escalation had not resulted in the points being put back into my account. After being on hold for quite a significant amount of time with the " rewards department '', I was told that the rewards " Back Office '' could not return the points, that the credit card company had to do that. I was transferred to the credit card division. After another long wait while research was done, I was told that a ticket had to be opened and escalated yet again with the " Back Office '' and that I needed to wait another week for a possible resolution to get the points I had been told were already put into my account. I told them that I had waited long enough for resolution and wanted my points payout immediately as I wanted to cancel my credit card. I was told that I would not get my reward if I cancelled. That I had to keep my card open until this issue was resolved or I would not get paid. I indicated that I was done waiting and that I did not feel confident the back office would resolve it as I keep getting sent in circles. I indicated I was going to reach out to you. I am owed {$49.00} by HSBC. I am attaching the letter they sent indicating funds had been returned to my account and they were NOT.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have wrote the check to Landlord ( Rental Office ) for rent. Check was altered before deposit by person and HSBC Bank did not verify before the released fund to other person other than Payee ( Rental Office as Rental office never received the check ). I have personally stop by HSBC Branch at XXXX XX/XX/XXXX XXXX XXXX, NY. XXXX Spoke with XXXX XXXX XXXX XXXX. and she have open the case on XX/XX/XXXX. I have also spoke on XX/XX/XXXX and stop by again on XXXX and spoke with her regarding status of my fund. She told me to wait. I have call again her on XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX she advised me to wait for 120 days. I can't wait. That was not my fault. Bank error and bank did not verified all the information as it was clearly HSBC bank error and check was altered and released the fund to another person account instead of Business account of Management company. Please assist me to get my fund back into my account ASAP so I can use this fund to pay the rents.
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I signed up for apromotional offer to receive a bonus for starting a banking account. I met the requirements and they said i didnt open the account on the correct webpage. I opened the account, ostensibly used the right promotion code and now they dont want to pay the bonus they advertised.
Company Response:
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A