Date Received: 2020-11-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard inquiry listed on my credit bureaus were not initiated by me
Company Response:
State: NY
Zip: 14224
Submitted Via: Web
Date Sent: 2020-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: 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: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX, I applied for the HSBC Premier Checking account via https : //www.us.hsbc.com/checking-accounts/campaigns/premier-offer/. You can see what the offer looked like then here : https : XXXX : //www.us.hsbc.com/checking-accounts/campaigns/premier-offer/. I was directed there after hearing about the deal on https : XXXX, which again also says you must go through that link. There is no reason why I would purposefully deprive myself of the bonus by applying through a different link, and the pursuit of the bonus was the sole reason that I opened through that link. I have contacted HSBC on XXXX and gotten case ID XXXX, on XX/XX/XXXX and gotten case ID XXXX, on XX/XX/XXXX and gotten complaint ID XXXX, and multiple times since. Every time they said that I didn't go through the proper link. HSBC has a well-documented history of claiming that you didn't go through the proper landing link : https : XXXX # XXXX
Company Response:
State: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2020-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a HSBC credit card ( card number : XXXX ) since XX/XX/XXXX and have been using a checking account on the HSBC credit card profile to pay min balance with no problem every month since XX/XX/XXXX. I decided to pay off my credit card before XX/XX/XXXX so I could avoid interest charged on my credit card so I decided to use the exact checking account on file. However, it is showing " processing '' for several business days before it shows it is " RETURNED CHECK '' and I was also charged {$25.00} return fee per transaction. In addition, I need to pay interest on the balance because HSBC decided that the payment is " RETURNED '' even though I have used the exact checking account to pay my credit card for almost 2 years. I am very upset about what they did and contacted HSBC several times through online chat and over the phone. Online chat told me the payment is being processed no don't worry about it and over the phone, representative told me that they can't waive the interest on the balance. I had no choice but submit the complaint.
Company Response:
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In early XXXX I received a mailer from HSBC advertising an offer available at " us.hsbc.com/500directdeposit2 '' for a {$500.00} Welcome Deposit if I 1 ) opened a Premier Checking account between XXXX XXXX XXXX, and 2 ) made recurring direct deposits totaling at least {$5000.00} per month for 3 consecutive calendar months from the 2nd full calendar month after account opening. I opened an account using my personalized code via that website on XX/XX/XXXX, satisfying requirement 1. I made direct deposits totaling > {$5000.00} via my employer payroll during each month from XXXX until today, satisfying requirement 2. I have not received the Welcome Deposit as of today. Per the terms, I should have received the Deposit within 8 weeks after completing all qualifying activities. I completed all qualifying activities as of the end of XXXX, and thus should have received the deposit by the end of XXXX.
Company Response:
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-06
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2020, my brother wired two wire transfers from a bank in XXXX to my HSBC bank in the United States. The first was for $ XXXX which I received in my HSBC XXXX XXXX in the same day, while the second transfer for {$120000.00} has not been deposited in my account as of yet ( XX/XX/2020 ). After days of communication with my account representative and customer service at HSBC, they notified me on XX/XX/XXXX that the wired funds are in HSBC escrow account pending calcification from XXXX XXXX which I have no account nor any contents. I was provided a case # US XXXX. I called XXXX XXXX wire transfer department they noted that this case # is not theirs and referred me back to HSBC. It has been almost two weeks and I out of {$120000.00} and neither XXXX XXXX are of any assistance. We contacted the XXXX XXXX and they confirmed that the money is out of XXXX and at this point they have not control. I appreciate any assistance that you can help me resolve this matter
Company Response:
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-06
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I did an international wiring {$77000.00} with XXXX local branch manager to wire to HSBC in XXXX XXXX on XX/XX/XXXX, but recipient has not heard anything about the fund ... HSBC requested my compliance information twice. After XXXX sent out to them on XX/XX/XXXX and XX/XX/XXXX, there is still nothing heard back from HSBC. HSBC hold my fund and don't respond to XXXX inquiries. So, XXXX recalled the fund back on XX/XX/XXXX, Still no result so far till today, XX/XX/XXXX.
Company Response:
State: CA
Zip: 95129
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up for a new credit card in XXXX of 2020 in which I was to receive 3 points for every XXXX spent up to {$10000.00} or one year. I noticed that I have only been receiving 1.5 points instead of the 3 points. I contacted HSBC via online chat. I talked to a representative for over an hour. She said I wouldn't receive XXXX points until after I spent {$10000.00} which was incorrect. I called the XXXX number only to be stuck in automated black hole.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: i was a [ plying for hsbc credit card acount and did not have all my information and came back with all my information to apply hsbc co refused to allow me to finish my application and still refuses to let me finish my application with all my information i obtain.?
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-01
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: My HSBC credit card had a fraudulent transaction, thus I closed my HSBC card. When I had my new card issued by HSBC, I paid off the remaining balance. However, my balance has always been very high even though my purchases were all small. When I looked through my online statement, I saw that HSBC sneaked in {$470.00} in balance stating a " transfer '' from my old account ( even though the balance from the old account was paid off at the time of closing ). Not only that, HSBC added a balance instead of a refund for one of the transactions refunded to me by the merchant ( the merchant refunded - {$82.00} but HSBC posted as " + {$82.00} '', to make my balance go higher ). When I called and disputed, it took a month for HSBC to refund me. However, they placed the credit to a closed account instead of transferring the credit to the new account. Then HSBC sent me a statement of TWO credit cards ( one is for the open credit card, and one is for the closed account with fraud ). In other words, HSBC intentionally transfer any fraudulent amount to the customer credit balance but dont tranfer any credit/refund. This bank is doing fraud and it needs to stop. New credit account : XXXX XXXX XXXX XXXX Closed accounts due to fraud but are still being billed : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2020-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A