Date Received: 2020-10-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I, XXXX, an XXXX XXXX, have my wife ( XXXX XXXX ) send me money every month in amounts ranging from {$3500.00} to {$5000.00} USD to my personal HSBC checking account. The originating bank XXXX sent the money XX/XX/2020. The intermediary bank ( XXXX XXXX ) processed the incoming international wire transfer that was in the amount of {$4700.00} and after taking their {$23.00} fee, sent the remaining {$4700.00} on to HSBC on XX/XX/2020. HSBC is having liquidity problems due to the XXXX bank runs in response to COVID-19 and they are making excuses on why my money is not available and straight up lying, telling me they have no record of this incoming wire transfer. When in reality, they are holding it hostage in their OFAC dept as a scummy way to try to legitimize their holding it and not releasing it to me. I have completed a similar transaction with this bank last month without issue. However, this is a huge problem as I am about to have my XXXX XXXX XXXX tomorrow morning, then I am moving to another state, and I AM A XXXX XXXX SERVICE CONNECTED XXXX XXXX XXXX VETERAN!!!!! I am incurring late fees where I am renting from now and am currently unemployed. I need this money and HSBC should have their charter pulled and NEVER BE ALLOWED TO DO BUSINESS IN THE USA EVER AGAIN, especially after their XXXX scheme with XXXX drug lords. I just want my money out of that bank so I can close my account and be done with them. I have tried calling them multiple times and they always say they dont know whats going on and asking for reference numbers that the consumer would never have direct access to.
Company Response:
State: OH
Zip: 43017
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my account in XX/XX/2020 w/a cash incentive if I were to have " recurring monthly direct deposits totaling at least {$500.00} from a third party to my HSBC Advance checking account for 3 consecutive calendar months from the second full calendar month after account opening. '' I made an initial deposit of {$100.00} to fund it, {$500.00} to increase my balance, and then {$250.00} thereafter. The offer indicated that I would " automatically receive the {$200.00} Welcome Deposit in my new HSBC Advance checking account approximately eight weeks after completing all qualifying activities. It's that simple. '' I began inquiring in XXXX when I didn't see it paid. A few times I was told to wait a few more days and, if it had not been credited, to chat back so a ticket could be open. I thought the bonus was for {$450.00} and one of the chat representatives even corrected me that mine was for {$200.00} given my XXXX XXXX. I have chatted at least 7 different times and everyone either said I did qualify and to wait or that a ticket was opened to see why it had not posted. Today I chatted and was told that per ticket # XXXX I did not qualify because I did not open the account right. This is absurd, unprofessional, and I'm confident it is in violation of UDAAP. I opened the account from the promotional page within their website, so how am I to blame for any errors on their end?
Company Response:
State: CA
Zip: 90003
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: HSBC locked me out of online banking due to a mobil check that was endorsed. The check was legitimate. They said they would close my account and mail out a check I have talked to 17 different representatives and 3 supervisors. No one can tell me anything. I tried to close the account myself and was willing to pay XXXX . They won't allow me to do that. Im on unemployment and cant pay my rent and am about to get evicted. I have read multiple news articles about numerous customers having the same issues. It took people 5 months before they they received their money. I cant wait that long. Please help me! I was directed to you guys by the multiple articles I have read with people going though the same thing.
Company Response:
State: NY
Zip: 14043
Submitted Via: Web
Date Sent: 2020-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had a select credit account with HSBC where two online Cash advances occurred. XXXX for {$12000.00} and XX/XX/XXXX {$3000.00}. The money was transferred to an online HSBC online money market account ( joint account ) with my wife. The money had been transferred out From the joint to two banks XXXX XXXX and XXXX XXXX XXXX. I called several times to report the issue. This transaction was never tagged as fraud. I have also sent numerous certified letters and have not received any correspondence from the bank. I have sent a police report to HSBC and even went to a branch to speak with a representative and spent 3 hrs on on XX/XX/XXXX to try and resolve the issue. To date i have received no correspondence from HSBC acknowledging the issue. I would like to get an email acknowledging the issue and a reference number for the related investigation.
Company Response:
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing to complaint about a series of account holds/restrictions which HSBC is imposing on my accounts. On XXXX/XXXX/2020, I have made a check deposit for the amount {$1700.00}. On XXXX/XXXX/2020, an HSBC representative stated that the system had picked off the {$1700.00} deposit and therefore all of my online access has been suspended until this restriction is lifted. This is not the first time that all of my accounts have been on a complete " lockdown ''. Just recently, on XXXX/XXXX/2020, a hold was placed on my checking account for a check deposit of {$100000.00} for the same reason as stated by the representative -- the system had picked off that check. Similarly, on my HSBC credit card there were a total of 5 blocks placed for making payments. On XX/XX/2020 a block was applied ; on XX/XX/2020 due to the account status a restriction was applied on the account ; on XX/XX/XXXX a block was applied again due to " consecutive payments '' made. Attached is HSBC 's response regarding the blocks on my credit card account.
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Complaint Description : On XXXX I opened a savings account at the bank. On XXXX XXXX the bank notified me that they were closing my account. That I had nothing to do and that they would send ma a cashier 's check for the full amount of the account balance including principal and interest. I did not receive my refund check I therefore contacted the bank. I spoke to the branch manager, XXXX XXXX, and he told me that there were no funds in the account to refund me a check. I tried to sit with him and get a clear and distinct reason he held that position and he refused to explain to me any additional information or sensible explanation. He would not help me and referred me to speak to someone in the executive offices. I did just that and spoke to XXXX XXXX and she told me the check I deposited in XXXX was no good. I tried to explain to her that was impossible. The check was drawn from my brokerage account from XXXX XXXX, a large brokerage house. I also have a copy of the cashed check from XXXX XXXX showing that HSBC bank cashed the check. I also have my bank statements showing the money in my account. Her story was impossible for the check to be bad. Impossible for the money not to be available on the closing of my account. Mrs. XXXX told me there is nothing she can do. I would have to contact the headquarters in XXXX, new York. I asked for an e mail or phone number and she explained to me that the bank does not take e mails or phone calls. I can only correspond the old fashion way by mail. Subsequently, after this complaint I am writing to XXXX. This is a case of theft of my monies by the bank, and a clear case of discrimination against me for their failure to offer assistance in the resolution of this matter. The facts are clear if someone in the bank took the effort and time to research this event. The money was deposited and never touched by me. I received interest. The bank statement shows the money in the account. The cancelled check shows that HSBC cashed the check. This is egregious behavior by the bank to commit theft of my money. They are leaving me no other alternative but to file a small claims case against them. I have written to Federal Reserve and the XXXX XXXX XXXX for help and assistance to get my monies so I do not have to file a motion against the bank. Thank You. Preferred Complaint Resolution : To return to me my money. My new complaint : Their final decision sent me XXXX is unacceptable and completely wrong. I reiterate again they claim a check was cashed on XX/XX/XXXX when in fact that was the day the check was written. It was not even mailed to me on that date. I sent to you the HSBC bank statements showing that they deposited the check on XX/XX/XXXX into my savings account.They cashed the check on XX/XX/XXXX. If the check was cashed on XX/XX/XXXX as they stated I would not have had the check in my possession. It would have been in the possession of the person who cashed it. How could I have deposited a check on XX/XX/XXXX that the bank claims was cashed on XX/XX/XXXX. Due to their error they then deduct the check from my account. Then on XX/XX/XXXX they see the error they made and put the money back into my account. On XX/XX/XXXX they decided to close my account for a reason I still don't understand why, and the account showed a balance of the amount of that check in question. The check was cashed by HSBC on XX/XX/XXXX when I opened the account and then when they re deposited the check in my account on XX/XX/XXXX because of their mistake the check was already cashed and couldn't be redeposited. Their oversight and error. They are completely wrong. I sent to you the cashed check from HSBC showing that they cashed it on XX/XX/XXXX.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX. I am writing in regard to HSBC Banks unfair, racially distorted, and demoralization of ones disabilitybanking practices. The Consumer Credit Protection Act of 1968 regarded Americans safety from the previous longevity relinquished by governing bodies and financial institutions. In efforts to solidify all condensing and ambiguity associated with mistrust, Congress moved to shield consumers and their financial records from abuse. In the years following, other laws refined consumer rights, spelling out how the government can access bank customers information, how banks treat borrowers and the way banks handle customer deposits. Considering this law to protect consumers are profoundly etched withing the moral fibers of the US governing lawsone would hope consumers would receive fair, indoctrinated, unplausible credence as it relates to the well being of our banking system. Unfortunately, this is not the case as biased departure still exists within our banking institutions. This is my third morse writing on dictates concerning issues that have gone strain. I am a young XXXX American male -- owning several XXXX XXXX XXXX. Each monetary increment is compelling to the survival mediates. Therefore, with the crude unguided acts of HSBC, there were several delaying constructs in which devastating financial tolls have impart. I have notified HSBC nearly five month ago, indicating the immediate release of all funds due in part. Nonetheless, days became weeks, weeks became monthsand now unopposed, months will soon become a year. Nevertheless, my relentless intent to mitigate, resolve, and embellish the ongoing dispute has resulted in over 200 hundred call, 70 emails, and numerous complaints to government banking agencies. Added, the coldness of hopelessness has begun to settle quietly within the vibrantly warm chambers of my heart. My XXXX XXXX, once divulged of animation, has now become the corridors of dismay and peturb. I am currently prescribed medication to resolve the refactors of my XXXX XXXX. In conclusion, my simple alp of requestreturn my funds quickly, for I am making monthly payments on liquid assets are loan imparts. I beseech assistance in resolving this issue with HSBCfor it has been several months with no resolve.
Company Response:
State: SC
Zip: 29410
Submitted Via: Web
Date Sent: 2020-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Attempting to collect or scam money
Company Response:
State: CA
Zip: 90006
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have been a resident of XXXX County, NY for 35 years and am now in the process of selling my home in XXXX. The home is in contract for another XXXX County resident to purchase. We have been unable to get a clear title to sell the home, even though the mortgage with HSBC bank has been paid in full for seven years. The bank incorrectly recorded the satisfaction of mortgage seven years ago, and now that we are trying to get a clear title we are unable to do so. My lawyer, XXXX XXXX, has been attempting to resolve this issue, even providing all of the incorrect information as well as the correct information to the bank. The bank, HSBC, does not have a customer service contact that is willing or able to assist us. When I have attempted to contact them, and when my lawyer and my real estate agent have attempted to contact someone who can help us, they only provide an email address. When we email the contact email address we receive an auto response that says, " HSBC XXXX has reviewed this request and determine this is not a XXXX XXXX XXXX loan. Your request has been referred to the appropriate HSBC Bank contact for review. XXXX '' We have been contacting the provided email addresses since XX/XX/2020, and have not yet received any response. The person who wants to buy our house must be out of her current living arrangements by XX/XX/2020. The bank has been completely unresponsive. We are in danger of not being able to sell our home and the buyer is in danger of not have a place to live as of XX/XX/XXXX. We do not know how to get the needed resolution. Can your office please help me? I can be reached at XXXX. I would greatly appreciate any assistance that you can provide. Thank you.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: A person named XXXX XXXX called XXXX XXXX, XXXX at XXXX PST and left a voice message that he was representing a company named Legal Claim Services with the County of XXXX regarding a judgement that is in process filed by XXXX XXXX XXXX XXXX He mentioned he would be dropping off legal documentation next Thursday, XX/XX/XXXX and that I needed to call XXXX XXXX at XXXX. I called her and she said my wife, XXXX owed {$12000.00} to XXXX XXXX XXXX Master Card that defaulted in XXXX and that the company had filed a judgement within the 3 year period allowed. When I asked her for specific debt information she told me XXXX and hung up. I called back and she hung up again. I called a third time and she said if I was not interested in making a payment arrangement she had nothing more to say. I again asked for creditor information and she said she didn't have to provide specifics and called me a " liar '' and a " cheat '' and hung up again.
Company Response:
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A