Date Received: 2020-09-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Date : XX/XX/2020 Amounts : XXXX It's the annual fee, I agree with that. But the main thing is, I never agreed with over credit limit spending. It caused my credit score to significantly dropped.
Company Response:
State: NE
Zip: 68106
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: - XXXX XXXX paid off HSBC credit card for {$3800.00}. They said they would send " paid in full ' later. - XXXX or XXXX XXXX recurring charge for XXXX XXXX XXXX XXXX came in and HSBC paid it. They never notified me ( I was paperless billing and acct was closed ). - XXXX XXXX they added {$15.00} late fee I was told. - Interest and another late fee was added at some point. - Around XXXX or XXXX XXXX got bill for {$62.00} ( XXXX + XXXX in interest and late charges ). After bounced repeatedly over the next few from csr to collections to csr and back, I got fed up. - XXXX XXXX paid the {$62.00} to HSBC collections. XXXX said would refund the late and interest but I have NOTHING in Writing that says that. - I did not check SXXXX XXXX XXXX payment issue but I will pay the XXXX from XXXX XXXX XXXX. One reason I closed the HSBC account was that HSBC would post debits right away but wait days to post a payment ( and I believe rack up interest charges in the meantime ). They did it again here ( not close my account right away but took the debit charge immedtly ).
Company Response:
State: MA
Zip: 02116
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a voicemail from private investigator XXXX XXXX-he left message on my phone, my daughters phone, my moms phone and my husbands phone. I called back XXXX spoke to mr.XXXX he said XXXX is a PI doesnt work in office. XXXX said the they are collecting a debt from hsbc bank he stated a paper was mailed to me 45 days ago & I never responded. I told him I Never received anything. He stated I am being sued and need to pay {$2900.00}. I told him I dont recognize this- he said they would settle for {$1400.00} today. I told him I have no money no job due to COVID he put me on hold to ask his boss lower amount to settle.said $ XXXXtosettle today but balance on card is only {$500.00}. Stated they are suing me and my court fee Id have to pay is $ XXXX $ XXXX+other fees! I researched go ligation group and see previous people reporting they as scammers. I Told mr. XXXX I need to receive paper not just by email. He said no because he already sent a paper 45 days ago, I told him Again I Never Received it! Forcing me to pay today only!! Help me please
Company Response:
State: TX
Zip: 77034
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My HSBC account manager Mr. XXXX XXXX and I had emailed several times since XX/XX/2020 to discuss about my account closure. I also contacted HSBC customer service to ask about my account closure because Mr. XXXX kept telling me that it would take several months to close my accounts even though my accounts balance was XXXX already. HSBC customer service agent also deceived that my HSBC IRA account left open because I would receive the dividends in future. I submitted my complaint to XXXX to sue HSBC on my account closure and over charging me for the closure on XX/XX/2020. Mr. XXXX XXXX called me at the middle of XX/XX/2020. Mr. XXXX told me that HSBC only gave me {$50.00} ( annual maintenance fees ) back, but HSBC would not give my {$140.00}, {$98.00} ( termination fees ), and two {$95.00} transfer fees back. Mr. XXXX also told me that my both HSBC accounts were closed. I received a letter from HSBC Vice President and Compliance Officer, XXXX XXXX, responding my complaint on XX/XX/2020. The letter also confirmed that both my HSBC accounts were closed. Therefore, by the middle of XX/XX/2020, I thought my complaint to HSBC was closed even though I felt unfair that HSBC had charged me so many fees for my account closure. On XX/XX/2020, I received HSBC statement of XX/XX/2020 for my account again. I was shocked. I sent an email to Mr. XXXX immediately asking him why my HSBC account still was open. Mr. XXXX responded me that my account had been pending for closure and I received {$3.00} refund from HSBC. HSBC is not honest to me. It has been playing the games on my account closure. On XX/XX/2020, I submitted my reopen request to XXXX online. On XX/XX/2020, I received a letter from HSBC wealth sales manager XXXX XXXX wrote on XX/XX/2020 to respond my reopen request. This letter obviously was written before my complaint reopening request. It reflected how HSBC handle my account closure from top management to branch account management. I have not received any other responses from HSBC responding to my complaint reopening request so far. I require that HSBC closes my account immediately. I also require that HSBC refunds me {$140.00} and {$98.00} ( closure fees ) back. I attached the copies of emails and documents from HSBC regarding my account closure. The attached was the letter HSBC written on XX/XX/2020 and sent me on XX/XX/2020. Thank you for your time and consideration. Sincerely, XXXX XXXX
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XX/XX/XXXX I was contacted by a XXXX XXXX XXXX representative stating that an imminent court summons was coming with intent to sue, put a lien on my home and garnish my wages. This was regarding an HSBC Bank credit card I assumed was discharged in bankruptcy in XXXX. I was told by the representative that my attorney said the HSBC account had not been included in my bankruptcy and the debt had ballooned with interest and penalties. Oddly, this debt is and was not on my credit report. Not did I ever receive any written notification of the debt. With my work reputation being threatened, I foolishly made a settlement payment for {$1700.00} with the understanding from the representative that I would receive a certified letter detailing the debt and the HSBC account number. I intended to present this to my attorney for comparison. The letter never came. The threat to my reputation and home caused me undue stress and caused me to make a hasty decision that I would otherwise not make. Hindsight is of course 20/20 : I never received a validation notice ; the debt did not appear on my credit report so it is quite possibly time-barred ; the tactics used were classic coercion.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This is the third time I am sending a complaint about phone calls I have been receiving for almost 2 years. It is from an organization that will not tell me their name, but tell me I have a debt with HSBC dating back to 2008. I have received letters from HSBC stating this debt to be false, yet they still are calling. At XXXX XXXX EST today, someone called me from the number of XXXX XXXX XXXX attempting to collect this debt again. When I told them to take me off their list, the person on the other end said, " I can't ''. When I proceeded to tell them about the documentation I have proving them wrong, they hung up. I called back and they wouldn't pick up. I am tired of these phone calls. I want them to stop. I have been sending these messages to the XXXX and it still does not help. I want them to be over with. Please stop them from calling. I am a man who suffers from XXXX XXXX and the stress these phone calls cause affect me greatly.
Company Response:
State: NY
Zip: 11542
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I filed a previous complaint with the CFPB and HSBC responded stating I did qualify for the bonus. I requested an account number and received no account number. I received a debit card and no pin therefore can not register online. Today XX/XX/2020 I called again and they said they I didn't qualify for the bonus because I didn't use the promo link. At this point I want the account closed.
Company Response:
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, XXXX I received a phone call from XXXX at XXXX XXXX XXXX. The number he called from was XXXX. He claimed that I owed a debt on an HSBC Mastercard ending in XXXX, that the card was opened XX/XX/XXXX and had been paid up through XX/XX/XXXX. He said that I owed XXXX and he could bring that down to XXXX. While talking to him he claimed that my employer at the time of the card opening was XXXX XXXX which has never been my employer at any time. This tipped me off that this was a fishy attempt to collect a debt that definitely wasn't mine. He gave me a call back number of XXXX and said his extension was XXXX. He also gave me an email address of XXXX I pulled my credit report from XXXX and didn't see this " card '' listed I also pulled up my current credit report and didn't find this debt either.
Company Response:
State: VA
Zip: 24551
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new checking account with hsbc bank on XX/XX/XXXX using a promotion link that offered me a XXXX welcome bonus if I met the criteria in the offer. I met all the criteria but was never paid. Contacted them via message in their app on XXXX, received a response just restating the promotion details. XX/XX/XXXX received another message after inquiring again stating they were sending it to promotions team for review. XX/XX/XXXX received another email from promotion stating I didnt apply thru the right link. XX/XX/XXXX they restated the same message but asked me to provide more details. I couldn't upload documents using this system so I called on XX/XX/XXXX and spoke to XXXX employee # XXXX. He escalated the case and promised me a call back by within 5 days. No call back so I called back spoke to XXXX on XX/XX/XXXX. She promised me a call back on XX/XX/XXXX and never did. I called again on XX/XX/XXXX, spoke to XXXX # XXXX, she said XXXX would call me back within 5 min he never did. I can't continue calling and getting nowhere with this.
Company Response:
State: WI
Zip: 54935
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: These mortgage bankers at HSBC have been playing games with my approvals for months now, all while i could have closed with another service. They repeatedly ask for the same information i have already given them, and now it's been 3 weeks from " final approval '' and i have still not closed. they are hardly responsive and gave up as soon as i locked in my loan rate. All the while they know that i transferred in a significant some of money to their personal wealth management in order to access a lower rate. I was conned. I am losing time, money and energy dealing with them and believe they are doing something nefarious.
Company Response:
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A