Date Received: 2020-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Constant phone calls from XXXX XXXX XXXX to collect a credit card debt claimed I owed fromXX/XX/XXXX. The company calls my phone constantly with different phone numbers, has also called wifes phone, XXXX brothers, parents, sister in laws phone, and workplace I left in XX/XX/XXXX. This company claims to be collecting for different accounts, a computer called HSBC and another called partner weekly. I have answered and asked this company to remove my number and name and do not call me or family members. They continue to call and aggressively tell me if I do not pay over {$3000.00} a civil suite has been filed and they will take me to court. I have reported this company multiple times and they continue to call. The company tells me they are located in my home town, but there is no record of this company near me. They also call from cities that are near to me using fake numbers.
Company Response:
State: PA
Zip: 17406
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a credit card years ago with HSBC. Due to a problem with automatic payment of my credit card in late XX/XX/2019, I realized from an email that I was late on one payment. I promptly contacted HSBC and was asked by a representative to pay {$100.00} in fees. He then told me that would resolve the issue. I paid and didn't get any more emails aboutthis totoday. After that time I didn't use my credit card anymore. I contacted my XXXX relationship manager around that time ( I have $ XXXX with HSBC ) to have the fees removed but didn't get any answer. I didn't receive any physical mail about this ( unless it was stolen, which happened in my building a lot in the past but is unlikely today ). In XX/XX/XXXX I got stuck abroad for 8 weeks and got sick. I checked my account from abroad on the HSBC website and saw that the account was open with new fees. I called HSBC from abroad but couldn't wait for 2 hours to talk to someone. I left a message on the HSBC website asking for a callback that never came. As soon as I flew back to the US I called HSBC. The call center said that the account was closed long ago and was delinquent. On top of that, my credit score is ruined even though I was never told the account was closed ( to that day I can see it on the website ), and I got no email or communication about this. I tried to resolve that issue with my XXXX relationship manager however he deflects and is not helpful. I was told 4 weeks ago that I would be contacted but this has not happened yet. In conclusion, despite being a XXXX client with more than $ XXXX in my savings account ( so ability to pay is certainly not a problem ), HSBC has added fees and taken actions that hurt my financial well-being without informing me and didn't give me the ability to correct ( no email about this after I paid the requested {$100.00} fee, no message on the website, no contact from my XXXX relationship manager about this, no mail ). I've attached all the emails I got from HSBC. The past due payment is clearly shown in XX/XX/2019. But after that no further email. I've also attached a picture of my accounts - basically from the website it really looks like the account is still open even today!
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Their application process is broken and poorly ( perhaps deficiently ) disclosed. As an initial matter, my spouse and I have credit freezes in places ( who doesn't post XXXX and all the other breaches ). After ( emphasis on after ) applying, we are told that our application is rejected and we need to lift our the freezes in order to apply. Why HSBC is using CRA reports in the first instance for a product where they aren't extending credit ( assessing default ) seems problematic. What happened to the XXXX reports for banking account verification. Moreover, we did not recall seeing any disclosure regarding CRA reports, nor on double checking was there any mention in the terms & conditions of the product landing page that they would pull CRA reports. If HSBC is going to pull reports -- say so unequivocally upfront and tell people to lift any freezes. We lift the freezes. We apply again on XX/XX/XXXX, and go through the whole rigmarole including upload proof of address ( internet utility bill ). This time the application accepts as pending, and they initiate trial deposits on XX/XX/XXXX to verify my existing bank account info, which we verify. Then on XX/XX/XXXX, HSBC again declines our application : " because were unable to verify the address of the applicant ''. This is odd as we submitted substantiation of our address. We call, and after speaking with 3 or 4 people get to the appropriate team and ask was there some issue with the upload -- did you want a bank statement or pay stub instead? No, it was an issue with your CRA reports -- something -- can't tell you what -- did not match. Please call them and fix *something* with your CRA reports and try again. Very helpful. So the HSBC is saying we've received your proof of address, we've verified your existing bank -- in order words you are who you say you are -- but no dice opening the account ( because of some undefined/undescribed issue with your CRA reports that ( as far as I can tell ) we didn't tell you we were going to pull ). As a further note, HSBC 's decline email did not reference the CRA reports. The email did not say that HSBC relied on such reports nor provide any disclosure as to which CRA should be contacted to resolve this issue. Our impression was that there is some obligation to disclose this to the applicant/consumer in such situations ( but perhaps this scenario does not fall within the FCRA? ), but leave it to you all to confirm.
Company Response:
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-18
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I was checking my account balance after XXXX and my account read XXXX I knew i had at least XXXX to my name. there was a hold on my account from my bank of XXXX dollars. when i contacted the bank Friday morning. I was given the phone number to XXXX XXXX XXXX XXXX of XXXX XXXX. I called the law firm I had not received a notice that a bank Lien was going to occur. The representative sent me an email with a copy of the letter to me about the lien. My first issue is i already have a creditor garnishment of 25 % being deducted from my paycheck this stated last week. by the way both of these credit card debt are from XXXX both judgement occurred in XXXX and XXXX so i believe this is a very old debt. I guess there is a deadline that coming up so they both are suing me at the same time. my case is a hardship case. I do not always work 40 hours a week. I live in an expensive part of the country XXXX county Virginia. I have no savings. I do not own a car I own no property.I have plenty of medical bills for a medical condition.
Company Response:
State: VA
Zip: 22180
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: 1 ) My credit Card was stolen, I spent perhaps an hour with HSBC Fraud dept going over illegal and fraudulent charges one by one. They assured me they would be removed and only to pay what I owed. A new card was issued. This was on XX/XX/20 2 ) I did and sent a letter WITH the bill where I circled each fraudulent charge 3 ) I was assured by HSBC 's Customer Service people all charges I didnt not make AND THAT I IDENTIFIED would be removed. 4 ) You not only did not do that you charged me interest on them. 5 ) I tried calling your customer service dept again, after a 20 minute wait I explained the situation. I talked to a XXXX ( XXXX XXXX XX/XX/XXXX ). She said you need to verify you pin first, I explained I already did when I called, She kept insisting I go to you automated system to verify a pin I already entered, how could I speak to her otherwise?. She was ZERO help. I asked to speak to a Supervisor and after an epic 60 minutes, obviously she never came onthat is over 1 hour and 20 minutes to speak to someone with perhaps a semblance of intelligence to rectify HSBC 's MISTAKES. XXXX said she tried to get Supervisor but couldnt get one, Excuse my XXXX XXXX! 6 ) I wasted hours with their incompetence. All I want are the illegal charges taken off, as they promised, for them to remove a interest charge on monies they said Id did not have to pay. I paid what I owed. They mispresent the truth, did not, as required take disputed charges off and make it impossible to rectify with Customer Service people who can not speak English or know the banks procedures.
Company Response:
State: NY
Zip: 10075
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: HBSC had reported an unpaid balance under XXXX dollars to the credit bureaus harming my credit. I had CLOSED the account two times previously. ACCOUNT-RELATED QUESTIONS Please do not reply to this email as the message was sent from an address that is not monitored. If you wish to submit an account-related question electronically, please contact us online through Chat or call our Customer Relationship Center at XXXX ( HSBC ) or call from anywhere in the world at XXXX XXXX. The source of this email alert notice is HSBC Bank USA, N.A. HSBC is located at XXXX XXXX XXXX, XXXX, NY XXXX. Our postal address : HSBC Bank USA, N.A. XXXX XXXX XXXX XXXX, NY XXXX We maintain strict security standards and procedures to prevent unauthorized access to information about you. HSBC will never contact you by email or otherwise to ask you to validate personal information such as your Username, Password, or account numbers. If you receive such a request, please call our Customer Relationship Center at XXXX ( HSBC ) or call from anywhere in the world at XXXX XXXX.
Company Response:
State: NJ
Zip: 08759
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2020 ( Monday ) at XXXX XXXX, I went to see a banker at HSBC USA XXXX XXXX XXXX branch to open a checking and savings account. So, I did spoke to a banker and my checking and savings account were opened. He then offered me to apply for a credit card. I told him that I don't have SSN/ITIN and credit file in the USA and my application might get rejected since I am a XXXX XXXX and I live in XXXX. He said it is fine to proceed with the credit card application since he can verify my identity by going personally to the branch and also the fact that I am already a HSBC customer in XXXX. I handed to him my XXXX passport and my HSBC XXXX debit card as my ID documents. It was a paper application and he let me sign and dated it. He also mentioned that since I don't have a US credit file they will use my bank history with HSBC XXXX. A few days later, I chatted with a live agent when I logged-in to my HSBC USA online banking to check my accounts and asked the agent about an update of my credit card application. He checked it for me and told me that it was declined. It was very disappointing. I was expecting that they would consider my application since I am a first time customer of HSBC USA and a long time HSBC customer globally in general. I hope that the account opening team would have considered my application based on the factors mentioned above. They should have given first time customers a chance to use the credit card responsibly. Furthermore, I am not sure, however, they might be doing this because of the COVID-19 issue and is very stringent on giving out credit cards. They should have reviewed it manually rather than computer based decision. In my opinion, the decision was not fair enough. They have misjudged my application. I emailed my banker about this issue, however no response up to now.
Company Response:
State: NY
Zip: 143XX
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a 30 day late on my credit report for HSBC for XX/XX/2019 for {$25.00}. The payment was not late. I have a letter from HSBC stating it wasn't late. Yet it's still on my credit report after 5 disputes.. ;
Company Response:
State: NJ
Zip: 08401
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: HSBC is reporting a fraudulent debt on my credit report. They have been provided with identity theft reports and notices to cease reporting false information. They have been unable to verify charges or debt responsibility.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This is a follow-up to a complaint I filed XX/XX/2020 with the case number XXXX. My complaint was against unnamed callers who have been calling for two years attempting to collect a debt owed to HSBC they have connected to a street address I lived at over ten years ago. I have no memory of ever having a line of credit with HSBC. I have had my credit score checked numerous times since these calls have been coming in and this debt has never appeared. I have made large purchases where my credit was checked and this HSBC debt was never mentioned. The callers have been abusive while threatening legal action and saying the name of my current address to perhaps scare me into paying them ( They only accept credit card payments over the phone ) I have already submitted all the phone numbers they have called me from in my previous complaint. I received a return letter from HSBC XX/XX/2020 stating there was no record of my name in their system and that none of the phone numbers provided had any affiliation with HSBC. But last week on XX/XX/2020 I received another robocall voicemail from the phone number XXXX XXXX XXXX. As usual, they do not announce where they are calling from, just that they are looking to verify my current address and place of work to proceed against me. They said they will be calling the human resources department at my work to move forward in their actions. But their client ( whoever that is ) is willing to settle if I got in touch by the end of the day. They ended off the call telling me this is a final warning and telling me to call this number : XXXX XXXX XXXX. They gave me a case number of XXXX. I thought I went through all the proper actions to get these calls to stop. How can I finally be done with receiving these calls? I do not owe this debt they have been harassing me with for over two years. I have asked them to provide more information on this supposed debt and all they tell me is it's from HSBC and the amount ( which fluctuates every time I ask ) There has been no attempt to provide printed documentation of this debt. As I stated above, these calls have been coming in for two years now. I would like them to stop without me resorting to hiring a lawyer. I am a man who suffers from XXXX XXXX on a fixed income and I can not afford such things. I just want the calls to end and I would like this unnamed organization to be stopped from harassing people.
Company Response:
State: NY
Zip: 11542
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A