Date Received: 2023-08-28
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: My mom sent 2 wires from her checking at HSBC to my checking account at XXXX XXXX twice, unsuccessfully, because she mistakenly used a retired/stale XXXX XXXX routing number ( XXXX ) notwithstanding the right account number. Rightfully, twice the amounts were bounced back to her HSBC account but each time {$50.00} was withheld ; in total a total of {$100.00} was docked, given 2 round trips. I would like to request courtesy waive and imbursement of the {$100.00} as it was an honest mistake and first time offense. However, neither sending bank ( HSBC ) nor receiving ( XXXX XXXX ) acknowledged that it charged the fee. Its a mystery case but {$100.00} is withheld by someone but neither is helpful in figuring out whom, simply directing me to the other. The two dates, out-going and bounced amounts were were ( statement also uploaded ) : 1st : XX/XX/2023, out-going wire = {$830.00} from HSBC ( returned XX/XX/2023 but only {$780.00}, {$50.00} lower ) 2nd : XX/XX/2023 out-going wire = {$780.00} from HSBC ( returned XX/XX/2023 but only {$730.00}, {$50.00} lower ) I called HSBC Customer Service and visited HSBC Branch ( at XXXX XXXX , even spoke to Branch Manager on XXXX ) and was told that the fees were not charged by HSBC, and directed me to XXXX XXXX. I called XXXX XXXX Customer Service and visited its branch ( at XXXX XXXX in XXXX XXXX on XX/XX/XXXX ) and was told XXXX XXXX did not charge any fee. In fact, the retired/stale routing number that my mom used wont accept any incoming wire ( or the amount would have been applied towards my account ) XXXX XXXX XXXX ( All other XXXX XXXX Offices XXXX XXXX XXXX XXXX ) From speaking with HSBC and looking at statements, these 2 wires were sent via XXXX ( XXXX XXXX XXXX ) and the relevant sequence # on both wires, both outgoing and the bounced return were included in the statement attached I also tried calling XXXX at its customer service number shown online but a representative told me they wont interact with retail customer ( XXXX XXXX XXXX at the Customer Service at Phone : XXXX ) At this point, I dont know where to turn to appeal for the reimbursement of {$100.00} fee
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had purchased a ticket from XXXX XXXX in XXXX using HSBC XXXX. Due to Covid-19, it was refunded later by XXXX XXXX and they sent the refund of {$3100.00} to the HSBC XXXX on XXXX XXXX XXXX. At that point my original HSBC credit card used for the purchase had expired so I contacted HSBC and their customer care said that the refund to the expired card would automatically go to the new HSBC XXXX. I kept waiting for the refund and called both XXXX XXXX and HSBC multiple times since XXXX XXXX kept telling me the refund was sent but I didn't see anything in the HSBC account and HSBC kept telling me they didn't receive anything. After three months XXXX XXXX gave me the acquirer reference number in XX/XX/XXXX and then when I showed it to HSBC, they told me that XXXX XXXX DID send the refund, but it was rejected by HSBC since it was to the old card. 1 ) First, HSBC never informed me about the rejection of the refund in XXXX XXXX and even when I was enquiring multiple times, they didn't tell me about the rejection until XXXX XXXX. 2 ) The HSBC customer care person had confirmed to me that the credit issued to the old card will automatically go to the new card, and therefore gave me wrong information. I filed a complaint with HSBC, case number : XXXX but they have not resolved it. I would like to receive my refund and it was due to HSBC 's error as they rejected it and now they are not helping me. I hope CFPB can help me. Thanks, XXXX cell : XXXX
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello, on my last credit card statement from HSBC Bank I saw two charges called " FOREIGN EXCHANGE ADJUSTMENT ''. I called the bank to ask what these were. The customer service representative told me that this was an " adjustment '' for the transaction ( s ) that I conducted outside the US " last year ''. He was unable to tell me specifically what transactions have been " adjusted '', what were the dates of transactions and why the original charge was incorrect. With such attitude/approach, the bank can charge any amount of money " out of the blue '' without explaining the basis for the charges. I find it unacceptable. Best Regards.
Company Response:
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: [ HSBC US suddenly and unreasonably froze all of my accounts and decided to close them without any reason, including my Checking account, Saving account, and Credit Card. Lose rewards ] // I am a XXXX citizen currently residing in mainland XXXX XXXX I discovered online that a bank located in the XXXX, " HSBC Bank USA, N.A., '' offers Premier Checking accounts and Premier credit cards. In XX/XX/2023, I opened a Checking account and a Saving account with HSBC US, and in XX/XX/2023, I applied for the Premier credit card. // My credit card was approved and mailed to my address in mainland XXXX XXXX I have been using the credit card and Checking/Saving accounts without any issues.// My Checking account is primarily used for handling deposits and withdrawals with brokers, and secondarily for savings. I informed the bank of this when I applied for the account. Some time after opening the Checking account, I called the bank 's customer service to apply for a credit card for online shopping on US websites, attracted by the offer to " Earn XXXX Bonus Points after spending {$3000.00} in the first 3 months from Account opening '' ( as advertised on their official website ). I informed them about my job and income situation, and clarified that individuals in mainland XXXX can also apply for a credit card. I provided documentation of my salary and income. They eventually issued me a credit card. // On XX/XX/2023, I suddenly found that my credit card was unusable. When I logged into the mobile app, it displayed " User Suspended ''. I called the HSBC US customer service, and they told me that my account was under review. On XX/XX/2023, I called the HSBC US phone customer service, including the security team, and I was informed that they " recommended account closure ''. They are preparing to close all my accounts without any reason. My account is bebing blocked now. // After HSBC US decided to unreasonably freeze and prepare to close my account, they claimed that they no longer allow me to use the funds in my HSBC US account to pay off the credit card. They also don't allow me to transfer the funds out via ACH or Wire transfer. From publicly available information online, I discovered that a large number of customers in XXXX have complained about their HSBC US accounts being completely frozen and closed. A commonality among them is that they applied for a credit card between XXXX and XX/XX/2023. HSBC US credit cards can be applied for by specific international customers who do not reside in the US. Perhaps there indeed are some individuals who abuse this, such as deliberately defaulting on debts and refusing to repay. // As for MY CASE, I believe I haven't done anything that violates the law, bank regulations, or any unethical actions. I haven't engaged in any suspicious or fraudulent activities either. I don't wish to default on any bank debts, nor do I want to do anything wrong. I am deeply disappointed by HSBC US 's discriminatory ( Because of my nationality and place of residence ) and blanket decision to close all of my accounts. It's not just the credit card account ; even the Checking account couldn't be retained.// As a result, the advertised card opening rewards can obviously be defaulted on, all gone. This is clearly unfair.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: To Whom It May Concern, During my school years, my HSBC bank account was compromised and there were unauthorized withdrawals. I had vehemently contested this with evidence of : 1 ) two police reports 2 ) a letter from the US embassy XXXX ) video ATM proof from the local police of the illegal withdrawal that was not me XXXX ) Suspect mugshots I wrote many times about this case. XXXX XXXX previously mentioned that no account exists, but this is because I have closed my account. I wrote to the CEO and complaints team many times. Are you able to assist.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: text from XXXX Text XXXX Tues XXXX XXXX XXXX, important documentation delivery failed. Call XXXX. Refer to acct XXXX for document details. Text STOP to OPT out. text Weds XXXX XXXX XXXX we have tried to contact you regarding to a document issue. Call us back at XXXX. Refer to acct XXXX Text STOP to OPT out. Text XXXX XXXX This is an attempt to reach XXXX. To avoid further escalation, please call XXXX. Reference Acct # XXXX. Text STOP to OPT out. And have begun ( not sure how they got my wife 's cell phone # ) texting her asking if she knows me or knows how to find me or contact me. Never ever received any notice of a " law suit going to be filed tomorrow '' re : some supposed HSBC or XXXXXXXX XXXX '' legal claim. Did not tell me the dates or age or much other than I had till Friday to do something to settle right now the money claim or they go to court and file suit against me. Would not tell me address, or any information other than be very rude, threatening, and coercive to get money or restitution agreement from me right there on phone. XXXX XXXX Country : XXXX XXXX area code : Massachusetts ( XXXX, XXXX, XXXX ) Read comments below about XXXX. Report unwanted calls to help identify who is using this phone number. XXXX XXXX XXXX XX/XX/2023 | 2 replies Received a ridiculous text from this number asking me to call XXXX. I hope that the residence that is listed above is not going to be the phone that is sending this out. Caller : Did not say Call type : Text message Reply! XXXX XXXX replies to XXXX XXXX XX/XX/2023 There is no " residence '' listed above. You have the only post in this thread. I also find it hard to believe that they did not give any sort of reason for calling that number. Reply! XXXX XXXX replies to XXXX XXXX XX/XX/2023 I've gotten the same messages - something about documents but no information - who, what, etc. Reeks of spam or phishing... Reply! XXXX XXXX XXXX XX/XX/2023 | 5 replies I also get tests from this number that look like this : We have attempted to contact XXXX several times. To avoid further contact efforts, call XXXX. Acct # XXXX. Text STOP to OPT out. Caller : Scam Call type : Scam suspicion Reply! XXXX XXXX replies to XXXX XXXX XX/XX/2023 | 4 replies I have gotten 2 texts one from XXXX XXXX today and one from XXXX XXXX on XX/XX/XXXX, both have same XXXX .No info/ no name of caller.I am turning them in to my AG.These messages escalate to a threatening request for you to call. And i am treating as such. Reply! XXXX XXXX replies to XXXX XXXX XX/XX/2023 | 1 reply I received the same text message. Stating that theres document issues and I need to call back. Total scam Reply! XXXX XXXX XXXX XX/XX/2023 | XXXX reply I keep getting the same texts from XXXX and try to report as junk via my text provider, but they still keep sending them. Call type : Text message Reply! XXXX XXXX replies to XXXX XXXX XX/XX/2023 yes, I am also receiving multiple of such messages from various numbers but including that XXXX account number from within the message. The common number given within the message to call is XXXX XXXX XXXX or XXXX. I place a block but they change the number they are ccalling from ; Thretening need for my response to docs they have but no ID of who they are.. Reply! XXXX XXXX replies to XXXX XXXX XX/XX/2023 Same msg I just received Reply! XXXX XXXX replies to XXXX XXXX XX/XX/2023 I got the same messages from the same # XXXX they said it was in regards to the hospital bill I have thats due Reply! XXXX XXXX replies to XXXX XXXX XX/XX/2023 Got the same message with in the last few days it can be very annoying because are using my data any time to submit. For scam get a job people Reply! XXXX summary and related numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX # locations no website even though it lists one Firm Details Firm Size 1 Though the operator or multiple people who answer claim there are many attorneys And lawyers who answer from XXXX location only give out XXXX XXXX XXXX and not the address in XXXX GA Others answer as if in Mediation Dept , others then answer only as Legal Dept, and still others claim other departments? XXXX XXXX XXXX XXXX XXXX Member profile details First Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Member Email Address XXXX Member Phone Number XXXX Member Fax Number XXXX Member / Firm Description ( Viewable in the Member Directory Listing ) Attorney Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Received a voicemail message on XX/XX/XXXX from XXXX XXXX from a county process server division. Was told to call XXXX and that I have been notified. I called back on XX/XX/XXXX and she said this was a old debt with orchard bank. So I asked if they could send a digital copy of this and she said no, that they had sent me a letter back in XX/XX/2023. I never received any letter in XXXX about this matter. Not even sure who I was talking to on the phone. Never stated what the Firm name she worked for. Never told me I could dispute this debt or if it was a time-barred debt. Never gave me name of collector or even a address to where I could dispute.
Company Response:
State: ID
Zip: 833XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I was intending to cash a payroll check that was issued by HSBC, the teller told me that I would need to deposit the check in an account because it was too large. So I indicated that I would like to open a checking account then. He looked at me in utter disgust, proceeded to hand me the check back and said " you need {$40000.00} dollars to open an account here '' I never felt so low, nor have I ever experience and form of XXXX. I left at first and then check the terms of opening an account and this man excluded two other options for opening and maintaining an account and one of them was maintaining a monthly balance that was less than the check I wanted to deposit. When I called customer service they confirmed that what I was told was incorrect and asked me the persons name, apologized and said that they do not tolerate that at HSBC.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I had a credit card with HSBC in XXXX. I had a purchase on the card for {$1200.00} at furniture store in XXXX, WA. I had lost contact with them until XXXX. They started calling stating this debt and began threatening court procedures and possible arrest. I spoke with a gentleman in XXXX an informed him I was on XXXX XXXX from a near fatal car accident. This man stated he could and would write the debt off which was now around {$3000.00}. I never heard anything until after covid..They have and continue to call my family members. I have reached out a handful of times via phone stating this debt was supposedly wrote off in XXXX and to stop contacting my family members and myself. I have stated I will contact the FTC and file a complaint and After several months of them knowing my physical address and stating they have sent individuals with legal papers to sign and or receive..I have not seen or heard of any such person.
Company Response:
State: WA
Zip: 99354
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: HSBC Bank USA, N.A. On XX/XX/XXXX, I opened an account with HSBC in California. I opted for HSBC because my client, based in XXXX XXXX, uses this bank, thereby facilitating a more streamlined process for me to receive payments. On XX/XX/XXXX, I received a payment from my client in the sum of {$15000.00}. Subsequent to this, I initiated two wire transactions : 1. {$1000.00} to my credit union. 2. {$8000.00} to a commercial bank account associated with a design studio for services rendered. However, without prior notification or explanation, HSBC canceled the {$8000.00} wire transaction. As of XX/XX/2023, the {$8000.00} has not been credited back to my account, and I was informed it would take another 1-2 business days for the amount to be returned. To exacerbate the situation, my entire HSBC account has been frozen, denying me any access to my funds. Despite my efforts to communicate with HSBC to rectify this issue, I've been told my money will remain inaccessible until an undisclosed review process is completed.
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A