Date Received: 2020-06-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am submitting this complaint against HSBC Bank for closing my accounts for retaliation against me. In the past, I made complain against HSBC Bank for not resolving fraudulent purchases on my credit card, complaint number { XXXX }. HSBC never respond to that complaint, but go ahead closed all my accounts with them ending XXXX and XXXX. Stating that after reviewing my accounts they decided to end a relationship with me. I called and ask HSBC to give a reason why they decided to closed my accounts, but they never give me any answer. In my opinion, HSBC closed my accounts for retaliation and violation of the fair credit rules. I am requesting this department to take appropriate action against HSBC Bank to protect my rights. And also request HSBC Bank to bring all the balance on those accounts into XXXX because they have violated the terms of those accounts.
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My wife received a call from a North Carolina number and the lady that spoke with her was very aggressive. I called the number given ( not a North Carolina number ) and instantly the lady that answered started telling me I was being sued for an account that was not paid since XXXX. She stated it was from HSBC. I asked multiple times to send me some documentation for the debt or give me the date for court and she then hung up on me. I instantly called back asking why she hung up. She stated I was being rude, which I was not in any way. I again asked her why she was not helping me understand what the debt was for and she then hung up on me again. This was XX/XX/2020 at appr XXXX. I also contacted HSBC and they have no record of me ever having an account or my name in their system.
Company Response:
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened the HSBC checking account with the promotional offer ( offer attached ). After fulfill all the requirements, I still don't receive the promotional XXXX dollars bonus. So I reached out to HSBC, they had asked me to wait for another 2-3 weeks, then I reached out to them again, they said they need to have marketing team to research for another 2 weeks. And today I reached out to them again, they told me i am qualified for the offer, because they claimed that I didn't apply through the promotional landing page. When I applied the HSBC checking account, I did save copies of the offer, and all the communications I had when inquiry on the offer details. Throughout the whole time since opening this account ( for more than 6 months now ), no one tell me I don't have this offer to my account. This is a very deceptive practice, should require CFPB to inquiry their practice and ensuring that they do not do this to trick customers.
Company Response:
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX, I submitted an online request to XXXX XXXX XXXX XXXX to transfer {$3000.00} to my XXXX XXXX credit card from my XXXX XXXX XXXX credit card as part of a HSBC balance transfer promotion. I received a letter from HSBC dated XX/XX/XXXX that the transfer did not go through to XXXX XXXX, and that the {$3000.00} would not be charged to my account and any transaction fees ( {$120.00} ) would be refunded. I spoke with XXXX XXXX, and there is no record of any transfer from HSBC. It has been 14 days since they put an erroneous {$3000.00} charge to my account, and nothing is being done to remove it. I have spent hours on the phone with HSBC customer service in an attempt to have the {$3000.00} removed, and they have not done so. I have been told repeatedly that I will be notified when the debit is removed, and no one returns my calls. In the meantime, interest is accruing on the {$3000.00} that HSBC says that I owe them, and the additional debt is impacting my credit worthiness. Please notify HSBC that I have filed a complaint and want this issue resolved promptly.
Company Response:
State: CA
Zip: 94803
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I got a call from my ex-husband, daughters saying that they a have a pkg to delivery in my name these people are calling all family members and also texting them. I do not have an account with them they said if I would pay XXXX they would not summons me to court. I called the number they are texting from and calling and I explained to them I do not have a credit card with them nor do I owe them anything they said this is from XX/XX/2014 and I owed XXXX but they will settle for XXXX. I said send me the paperwork and they said no you will be summoned to appear in court and hung up on me. the number they are calling from is XXXX and XXXX. They have even called my work threating. my ex-husband I have not been married to for 35 years.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: HSBC had sent me promotional offer to open the account, spend some $ amount within 3 months and they promised a {$150.00} cash reward. I complied with the offer but never received any reward. I contacted bank multiple times : never received a reward or even response of why HSBC scammed me on this offer. Asking for my reward, supporting documentation will be provided upon request.
Company Response:
State: WI
Zip: 53217
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I asked to close my HSBC Direct Savings account. I was assured this would be done in 2-3 days. It's past 20 days and the account is still open. See confirmation of closure request attached.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hi, I submitted an application to open an online savings account on XX/XX/XXXX with HSBC. The advertised APY was 1.55 %. When I created the account on XX/XX/XXXX, I used the HSBC live chat to confirm the 1.55 % APY regardless of amount, whether it was $ XXXX or $ XXXX. The customer service agent confirmed my understanding. The application was approved on XX/XX/XXXX and was initially funded with {$1000.00}. The first account statement for XX/XX/2020 - XX/XX/2020 showed an APY of 1.29 %. On XXXX, I received an email that the APY is being further lowered to 1.01 %. In a matter of 2 weeks, they've lowered the APY 55 bps. I can't close the account within the first 180 days without a {$25.00} cancellation fee. This bank is luring people with false terms and robbing them of their savings.
Company Response:
State: IL
Zip: 60487
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-06
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: This issue began with an offer to transfer a balance at a promotional rate of 0 % APR in early XXXX. At that time I submitted a transfer request to XXXX for {$1300.00} and to XXXX for {$1100.00}. In doing so I inadvertently put the incorrect account number on the XXXX transfer request. I contacted HSBC within 24 hours of the request and was told the XXXX bank would reject the payment as no account found and the charge would be credited to back to my account. As of today ( XX/XX/2020, I have multiple attempts to resolve the issue with HSBC remains unresolved. XXXX still has not received the funds or posted it to my balance in the amount of {$1100.00} and the charge remains on my HSBC account. In addition HSBC completed a second unauthorized balance transfer of XXXX to XXXX without my knowledge or consent to do so. The {$150.00} was rejected as no account found by XXXX and HSBC credited back that charge so I am not concerned about this transaction ( it took about 5 weeks which seemed long but was within the timeframe I was explained. As of today XXXX has received the {$1300.00} and no other transfer payments, XXXX has posted {$0.00} in funds received by HSBC to my account, and the charges still remain on my HSBC charge account. Of the many times I spoke with HSBC I managed to have two ( of the dozens of people I spoke with ) submit an investigation into this issue. Approximately three weeks later I received a correspondence from HSBC ( two separate times ). In the corresponding letter HSBC stated they are closing the investigation as payment received by the intended party and included a copy of a check sent to XXXX ( check XXXX ) for {$1300.00}. This charge is not in dispute, I have told them several times XXXX received the XXXX and has posted it to my account. It is the charge for {$1100.00} and {$120.00} they claim was sent to XXXX that has not posted to anything. I have had several representatives of HSBC tell me they submit payments to XXXX electronically and once they send the funds they have no way to track the payments once submitted. They further informed me once they submit the payment they consider their job complete and if the payment is lost after leaving their custody its an unfortunate problem they can do nothing about and I am expecting to honor my commitment to them. Basically they want to to pay off a debt I received XXXX benefit from incurring. To add insult to injury when the {$120.00} payment I never authorized was rejected by XXXX they sent be a letter including a copy of a physical check they sent to XXXX stating the {$120.00} charge was removed from from my HSBC account.
Company Response:
State: NV
Zip: 89030
Submitted Via: Web
Date Sent: 2020-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: HSBC has failed to take action on my request pertaining to my credit card. There were fraud charges that they never resolved.
Company Response:
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A