Date Received: 2020-07-11
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: On XX/XX/XXXX, I have disputed and requested investigation through XXXX credit reporting Co about complaints of re-aging a negative and erroneous collection report from XXXX XXXX XXXX ( collection agency ). XXXX and XXXX XXXX XXXX has not provided my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and has not provided me with the date of first delinquency, nor the FCRA compliance date and the name of the party who reported the date of first delinquency ) The original creditor HSBC acct ending in XXXX is showing a balance of {$510.00}, which HSBC had reported first delinquency date before XX/XX/XXXX. However, ( XXXX XXXX XXXX ) continues re-aging an erroneous first delinquency date that should have been deleted from my XXXX credit report this year on XX/XX/XXXX. XXXX XXXX XXXX ( the collection agency ) has re-aged this account again and is showing that the original creditors ( HSBC ) date of first delinquency has been revised to XX/XX/XXXX, which is erroneous and harmful. I am requesting a deletion of this account immediately and am filing a formal complaint against XXXX XXXX XXXX and XXXX credit reporting Co for illegal re-aging practices.
Company Response:
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2020-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: i mail them the law and they still trying to collect money each month
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: HSBC made a mistake in sending me 2 ( two ) refunds for my credit card. The amount on the billing reported via telephone was 0 but in fact {$270.00}. A copyof the second check was sent to my office for varificvacition 5 months later. Durning this time period it was reported to XXXX as late payment which significantly brought down my credit rating and had massive financial loss due to bad credit. All other credit reporting agencies were good. HSBC admitted the mistake and informed XXXX To daet here is no change or correction to my low incorrect credit score. Legal action against XXXX and HSBS will follow shortly after my administrative channels have been exhausted.
Company Response:
State: NY
Zip: 11378
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2020, HSBC Bank USA, NA closed a savings account I have had with them for over 10 years. I did not receive any advance warning stating my account would be closed due to inactivity. Rather than send me the funds from the savings account, they have listed them as abandoned. I regularly sent back account verification forms that I received from HSBC. The Texas Comptroller has also investigated and stated that they do not have my funds. I would like HSBC to send the funds from my savings account to me. They are not abandoned, and they made no attempt to verify whether this was true or not.
Company Response:
State: TX
Zip: 781XX
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Payments made on the card and are deducted from my bank account and show as received on the credit card. The available credit does not reflect the payment for as long as 14 days. That means they are in possession of the funds for their own use and are not available to me.
Company Response:
State: IN
Zip: 46383
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened an HSBC Premier checking account on XX/XX/2020 under a promotion called " Share the Experience '' whereby I would receive a {$500.00} and my brother ( XXXX XXXX-the referrer ) would receive {$100.00}. This would be done with a referral code provided by my brother. My brother 's code that I used is XXXX. My brother has already received his {$100.00} bonus within the promised timeframe of 8 weeks of my account opening date, however I have not received my bonus as of XX/XX/2020. HSBC has now surpassed their promised timeframe for providing my {$500.00} bonus and I am requesting they remit the bonus to me as promised. I will provide a picture of my brothers referral code and the link to this referral program. Link : https : //www.us.hsbc.com/share-the-experience/share-the-experience/XXXX XXXX XXXX XXXX
Company Response:
State: MS
Zip: 39110
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Hi i am XXXX XXXX XXXX here.. on XX/XX/2020 that my credit crad XXXX XXXX XXXX XXXX was been charged by XXXX XXXX But the problem is i didnt booking any XXXX in XXXX.. so i called up hsbc and requested them to investigate ... .but end the end no answer from them ... ... .they already investigated about 2 month plus ... .now everymonth keep on charging me Finance charges..its really unfair to me ... .At the end i have to asked for help from consumer bureau ... .hopefully hear from u soon.thanks
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I went to HSBC and because Im glad she judged me and refused to give me my funds.Im XXXX XXXX. Basically I go to HSBC Monday the XX/XX/XXXX About XXXX XXXX. I fill out my direct deposit slip to make a withdrawal for XXXX dollars. The teller looked at me and asked. Do you have a atm card. I politely told her. I lost my ATM card and the new hasnt arrived yet. She replied so you dont have a ATM card. Which I just told her no. So she told me to let her get the manager. The assistant Manager looked at me looked at my account and questioned me about the funds in my account. I applied for a business loan from sba due to the Covid.She basically said sorry I cant let you withdraw any funds I need more documentation? So I emailed them my documents on from SBA and the still want give me my funds.I called several of times and they still havent released my funds that are available to me.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2020-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Dear Sir/Madam : Last XXXX, HSBC was offering customers welcome bonus ( or sign on bonus ) after opening a new account, and I fulfilled all their requirements. Six months after I opened my advanced checking account, when I contacted them inquiring about the bonus, they tried to find various excuses such as I didn't place an initial deposit of {$10000.00} ( the requirement was actually {$5000.00} which I did fulfill ), I have no direct deposit while I do deposit {$250.00} of my paycheck biweekly for nearly six months already, or even saying my paycheck deposit is not direct deposit etc ..., HSBC bank is trying all its best to refuse to honor the offer, and I can not believe they can cheat customers like this. By the way, I am not the only who they cheated, when I searched online, there are so many complains about this fraud and they are still advertising the bonus offer now ..., and I am just wondering why there is no regulatory agency to stop this fraud?
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: Fraudulent activity in my HSBC " Select Credit Account '' ending in XXXX. On XX/XX/2020, the perpetrator transferred {$6000.00} from my Select Credit Account to my savings account. On XX/XX/2020 a wire transfer of {$5500.00} from my savings account was sent to XXXX. This is XXXX XXXX XXXX XXXX. I found out about this activity on XX/XX/2020 when I received an account statement in the mail. Previous to this date I did not receive a phone call, text or email from HSBC alerting me to this unauthorized account activity. My Select Credit Account has not been used for 2 years. Actions taken by me are as follows : XXXX ) XX/XX/2020 : Contact the Fraud Department of HSBC 2 ) XX/XX/2020 : Filed a Police Report with the XXXX County Sheriffs Office, XXXX XXXX, Florida 3 ) XX/XX/2020 : Submitted to the Federal Trade Commission Identity Theft Victims Complaint and Affidavit. 4 ) XX/XX/2020 : Contacted XXXX, XXXX, XXXX Credit Bureaus to place a Freeze on my Credit.
Company Response:
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A