Date Received: 2020-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I received continued collection phone calls from XXXX ( XXXX XXXX ) and advised them I have no debt with them. They advised me they are collecting on behalf of an old debt in XXXX from HSBC. That debt was included in my bankruptcy and was discharged on XX/XX/XXXX. I had informed them and to stop. In spite of their system that shows my account was in BK, I continue to get phone calls and messages to collect this debt which is a violation of my bankruptcy discharge
Company Response:
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I requested in writing a credit card back in the month of XXXX for personal use and was denied. I contested the denial pursuant to Truth in Lending Act and have not received a response to complaint case XXXX ; complaint # XXXX mentioned above requesting full disclosure since. Aside from the courteous assistance provided by Assistant manageXXXX XXXX I have not been able to acquire an open-credit card. see full credit discrimination complaint and correspondences attached.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: 1 - XX/XX/2020 Received phone call from XXXX XXXX XXXX, Representative, XXXX XXXX. 2- Claimed that they had sent a letter out previously concerning a credit card debt with HSBC in the amount of {$2500.00} 3- Insisted that I either pay now or make arrangements to pay or I would be reported as " Refuses to Pay ''. 4 - I informed XXXX XXXX that I have received no written correspondence concerning her claim and that there is nothing on the credit report from HSBC. 5- She then sent me an email and we agreed for her to call back XX/XX/2020 6 - I printed the email and mailed a letter to XXXX XXXX XXXX and HSBC asking for verification of the claim. 7 - XX/XX/2020 XXXX MST. XXXX XXXX Called back a day earlier than scheduled. 8- I informed her that I had sent a letter asking for verification of the claim. 9 - She insisted that the emailed letter was verification. That is a Lie - No copy of a billing statement was included with the email. 10 - She also stated that a previous letter was sent by mail over 45 days ago. I asked if it was sent by certified mail. She said that " Yes, it was ''. I asked for the certification and tracking numbers. She said the she didn't have it. Because it was sent by someone else. 11 - I said that I'm not refusing to pay. There are many scams. I just need verification. She stated " See you in Court '' and hung up.
Company Response:
State: UT
Zip: 84720
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: In XX/XX/2020, HSBC offered a high-yield savings account with an APY close to 2 %. I opened an HSBC savings account in late XX/XX/2020. On XX/XX/XXXX, they reduced my APY to 1.70 %. On XX/XX/XXXX, they reduced my APY to 1.60 %. On XX/XX/XXXX, they reduced my APY to 1.30 %. On XX/XX/XXXX, they reduced my APY to 1.01 %. On XX/XX/XXXX, they reduced my APY to 0.70 %. Now, after failing to honor their promised APY for even a single month, and systematically gutting my APY every month since I opened the account, they will charge a {$25.00} fee if I close the account within 180 days of opening it. If they lured me into a savings account with the promise of an APY they couldn't even honor for one month, then they should not be allowed to hold my account hostage with account closure fees.
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/2020, I requested a payoff quote from my mortgage company HSBC. On the quote there is a line item named " Recoverable Balance '' in the amount of {$5400.00}. I continuer to call HSBC at I keep receiving different versions of this balance due and at no time they are able ti show me any proof that this does in fact belongs to me. I am currently in the process of selling my home and I need this clarified since this is no small to gorget about. I do not want to close on the sale and pay the lender and additional monies that I am not sure what it relates to. Your help is greatly appreciated.
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a credit card with HSBC Bank a long time ago. As such, I kept receiving promotional emails from them from time to time. One of the emails stated there was a bonus of {$470.00} for their XXXX XXXX checking account. I was intrigued since I had been looking at banking with a global bank for a while. The offer stated I had to deposit a minimum of {$5000.00} for 3 consecutive months, and the bonus would be deposited after. I started the application process which took them 3 weeks, believe it or not, in this day an age. As soon as my account was opened, I went to my job 's HR and made the necessary changes to have around $ XXXX per month deposited directly to my account. This started in late XXXX. So the bank has seen my deposits in late XXXX, XXXX, XXXX, XXXX, XXXX, and we're in XXXX. The bank keeps giving me runaround and nobody knows anything. Customer service number is an overseas call center, and they state they don't handle promotions. Direct messaging within the app states the same. I actually had to file a complaint againt XXXX and in their written answer, which you have access to ( case number XXXX ), they state the bonus will be automatically deposited in my account by XX/XX/2020. This has not happened. So basically this bank engages in bait and switch tactics. At least I'm glad I realized this early how terrible they are. However, what they are doing is ilegal and must be stopped. I want the Consumer Financial Protection Bureau to publish this so others can be warned. My next action is filing a suit in small claims court in my local courthouse, and I would like to use this complaint as evidence of everything I've been through with this bank, and their refusal to honor their promotions.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: On XX/XX/XXXX, I contacted XXXX XXXX on my cell phone after she made threatening calls to my house, and by calling my mother. The number called for XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX is XXXX. XXXX XXXX stated she was collecting a debt for HSBC Card Services for the settlement amount of {$500.00}. The amount was paid on XX/XX/XXXX with a fee charge of {$10.00} to charge my husband 's credit card for the payment. Another number that called me was XXXX same person XXXX XXXX allegedly with the same company. After I received via my personal email a confirmation letter to state this debt was paid in full I still received calls from other companies stating I owe a debt to XXXX. The multiple dates range from XXXX-current XX/XX/XXXX. The main one is XXXX XXXX XXXX calling from various numbers each time : XXXX, XXXX, XXXX, XXXX, XXXX XXXX form XXXX ext. XXXX, XXXX XXXX XXXX. In addition, the company XXXX XXXX called reporting a different amount owed to HSBC on XX/XX/XXXX the person 's name is XXXX XXXX at XXXX ext. XXXX. Another agency is called XXXX XXXX XXXX which they did mail there letter however, the original debt was from XXXX and their number is XXXX.
Company Response:
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have received repeated calls from XXXX XXXX XXXX ( XXXX ) XXXX today was XXXX XXXX regarding a debt from XXXX XXXX HSBC. Per XXXX there is a balance of {$900.00} something dollars in default as of XX/XX/2016 account ending in XXXX, and they can settle the debt for XXXX if paid today. This is apparently a company that received an old list of collection accounts and are trying to scam people out of money they've already settled or paid in full. I was a victim of a credit card opened in my name, therefore it was identity theft, but I had to pay the settlement with HSBC to get off my credit report which was cheaper than hiring an attorney. I'm seeking someone to put an end to this company preying on the innocent and debt free with old information just to line their pockets with money. If HSBC can help that would be great.
Company Response:
State: TN
Zip: 38053
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In XXXX of 2020, my identity was stolen and accounts were opened falsely in my name at several institutions. Every institution did what they needed to do to close these accounts EXCEPT HSBC. I have spoken to HSBC on at least five occasions. Reference # XXXX Despite receiving numerous statements and bills, each time I spoke to HSBC, I was assured that the falsely-opened credit card would be closed down and the credit bureaus would be notified. Today, I received yet another letter billing me for {$30.00} past due on this same card. I am afraid that HSBC will damage my credit because of their incredible incompetence.
Company Response:
State: NY
Zip: 14051
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: See complaint XXXX, HSBC is stating they never sold this debt to a collections company, if that is true then this collections company is committing fraud to attempt to collect a debt discharged in bankruptcy. HIGHLY ILLEGAL. I have already had my lawyer send a cease and desist letter, however this is extremely concerning and appears highly illegal. Your job is to protect the American public, please do so and find out what is going on here. What I think happened is the collections co went into PACER, pulled some information, and tried to scam me or HSBC is overtly lying on the accompanying CFPB complaint response. This collections co has an interesting reputation online too, called a scam multiple times.
Company Response:
State: MO
Zip: 63368
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A