Date Received: 2020-04-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX my wife and I were returning an item at the XXXX XXXX in XXXX XXXX, CA. In hind sight we can only assume our HSBC credit card was lost at that location. At approximately XXXX XXXX. I received a text from HSBC indicating there are suspicious charges on my credit card account. I contacted HSBC immediately and was informed someone had used our HSBC card twice at a XXXX 's store in XXXX XXXX, CA., one charge for {$500.00} and another for {$1000.00}. The card was closed and thus an investigation started. I contacted HSBC the next day to ask them how to proceed. I was told the investigation would take approximately 90 days to complete. I waited. Around the XXXX of XX/XX/XXXX, I contacted HSBC and was told the investigation was still ongoing and to wait another week. I contacted them again a week later and was told the same thing again. I pressed for more information and was told I needed to complete a police report. I filed an online report XXXX # XXXX ) and again waited another week. On XX/XX/XXXX HSBC told me the investigator had talked to the XXXX detective and that the detective would be calling me. Proactively I contacted Detective XXXX XXXX of the XXXX Police Dept. who told me he had no questions for me. Detective XXXX further indicated that the investigator he spoke with mentioned the charges were indeed fraud. I contacted HSBC again to speak with XXXX XXXX unknown last name ) the investigator. He was not available and after be assured on three separate phone calls that XXXX would be returning my call, he has never done so. On XX/XX/XXXX I spoke with HSBC investigator XXXX who told me to submit a complaint in writing to a PO box in New York. I sent a certified letter on XX/XX/XXXX to the address I was given and it was returned today with a NS # which I assume is no-such number. To date this remains unresolved and I have had NO communication in writing or a phone call from HSBC. ALL communication has been initiated by me.
Company Response:
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: After My HSBC Master card has been stolen.for one hour, I did call to report the HSBC representative to close the account. She promised to close the account and to take care everything that I was not responsible for after the incident. Later on HSBC called me to deny what they said with me before. Therefore, I send them the incident report that was endorsed by the club manager where the incident happened as well as the case report number from police departments and the name of police officer who was taking care of the case. I have already mailed all of supporting documents to HSBC. XXXX XXXX
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I transferred funds from a XXXX XXXX into HSBC in order to open a new savings account. HSBC took my funds of over {$10000.00} then denied me access to view my account online and denied me access to my funds. After contacting HSBC to seek resolution I was repeatedly asked for additional information about myself to verify my identity. Once I fulfilled their request they continued to deny access to my funds or viewing my acct online. HSBC continued to ask for more and more information. At that point I requested to close my account and return my funds. I had to ask FIVE ( 5 ) times before I was verbally told they would do this. I have no confirmation they are closing my account nor returning my funds. At one point I was told to contact XXXX regarding a " fraud alert ''. XXXX had that alert removed off my acct. On another call to HSBC they told me to call XXXX and ask for information. This went on and on resulting is no ability to view my account nor access my funds. I remain unable to view or access my funds today I have attached a screen shot of my XXXX dashboard showing I have no Freeze or Fraud Alerts on my file.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: My name is XXXX XXXX and I applied for and obtained HSBC checking and savings accounts a long time ago ( I forgot the exact time ). My HSBC checking account number is XXXX. At the time of my account approval, I was given a Select Credit account without my awareness. A couple years ago, I had an overdraft from my checking account for a few thousands of dollars. While my savings account had more than $ 20k, HSBC charged the so-called 'Select Credit ' account for the sake of charging me more interest. I fount out the Select Credit account carried an interest rate of more than 5 %. HSBC could have drafted from my savings account, where I did't have to pay any interest. Because HSBC 's desire to make more interest income, I was charged interest without my knowledge through Select Credit account which I did not even apply for. Throughout the past year, I contacted HSBC several times and explained the situation. They did credit me back the interest and fees each time and agreed to cancel my Select Credit account. However, in a few days each time I called HSBC, they restarted charging me fees again and never canceled the Select Credit account. Now, it is {$16.00}. While it is a small number and I can easily pay for it, this charge was unfair. What made the situation worse, HSBC put this {$16.00} into collection and was reported to the credit bureaus. My FICO score now drops from over 800 to XXXX and it affected my mortgage refinance. I contacted HSBC 's customer service today. They asked me to contact their collection team. I told them it is very time consuming to call another number and asked them why the customer service can't resolve this issue. I gave them a choice - either the customer service resolve the issue now or I will contact CFPB. Then I got the most ridiculous answer from HSBC - go ahead to contact CFPB. I reached out CFPB to help me resolve this situation. I want HSBC to credit me back the fees ( {$16.00} XXXX and to contact credit bureaus to correct my credit scores. If possible, I want HSBC to pay punitive damages to cover my time and effort to correct this situation so many times.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Rec 'd a call from XXXX asking if i would be home because they need to service me with a subpoena for court appearance. Asked what for? He said he did not know but if i called this number XXXX then he wouldn't have to come out to serve me. So, I called and spoke with XXXX XXXX who said I owe {$610.00} to HSBC + legal and service fees which makes the total {$1600.00}, but I could settle it today for {$610.00}. If I did not pay today, he would mark it as a refusal and my pay and or bank account would be garnished. I send them an email reply ( as suggested by on of you reps at CFPB ) and asked them to not contact me by phone only in writing via postal service. I asked them to provide me with proof for the company they say they are representing. I do not have this company on my credit report. I do not recall ever having a credit card from HSBC. Please advise. I have pretty good credit, I have always paid all my bills. There is no record on my credit report for this HSBC card. I want to know if this is a reputable company or is this another scam. The company is XXXX XXXX XXXX, but reply is required to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response:
State: FL
Zip: 33710
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: on friday XXXX XXXX i was trying to make a transfer from my account to my sister through XXXX, and it kept on declining, i received a text from my bank asking me if i was trying in make this transaction i replied yes i received another text stating that i need to contact my bank fraud department at XXXX which i did they confirmed if i was trying to make this transaction and i confirmed it, the gentlemen ok im going to unblock the card and tried it again 5 minutes, i tried it again and once again it didn't go through i received another test asking to contact the fraud department, i called again and they once again said to try it later, i explained to them that this was urgent that i had family emergency and i was sending my sister money through XXXX, she stated-that everything was fine and that i shouldn't have any problem, i explained to her that my father was very ill and i would be traveling on saturday and i wanted to make sure everything was fine, i gave it some time and i once again gave it another try to send the money to my sister, and once again it declined i was told at that time that my card had been placed on a temporary hold by the security department and that their department was closed until monay and there was nothing that they could do, i begged them to please do something as my father was very ill. and their replied was that they could not do anthing, i was no able to catch a flight or transfer money to my as my card was disable, my father passed away on saturday night, and i was not able to be there, due to not having any of my funds aviable, i have contacted them this morning and all they could say is that someone has to call me back, i am still waiting, this is not acceptable, i never received a call a ect or email notifying my that me card was going to be on temporary hold.
Company Response:
State: CA
Zip: 92867
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/20 XXXX {$1200.00} XX/XX/20 XXXX {$720.00} XX/XX/20 XXXX {$850.00} XX/XX/20 XXXX XXXX {$750.00} All these charges were done on a HSBC credit card. I did not use this card nor did I ever receive it in the mail. I called HSBC to file a claim, and I received a letter in the mail stating it was declined. I need your help to dispute this. I should not have to pay for something I did not do.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: HSBC Bank XXXX XXXX, XXXX NY XXXX notified 1st by phone XX/XX/2020 phone XXXX spoke to XXXX Fraud dept..Advised I was the victim of ID Theft, and a fraudulent account for {$6500.00} had been opened in my name.I sent certified mail a packet including : Identity Theft Report, Proof of Identity ( driver 's license ), Credit Report showing outstanding debt & Notice to Furnishers of Information. I requested the account to be closed, ( which I was told was done ), to remove any charges on the unauthorized account, and to take steps to remove information about this account from my credit files. I also told them to send me written confirmation that I am not responsible for charges on this account, and that it be closed immediately. I have NEVER received one call or letter from them to date. I have called them on several occasions only to be told they are working on it. Today XX/XX/2020I spoke to XXXX at XXXX since it has been 90 days! He said account was closed, that the investigation showed I was cleared. I informed him that XX/XX/XXXXstill shows I have a low score & I want them to contact XX/XX/XXXXwith updated information, clearing my bad credit! In addition I want a formal letter stating I am not responsible, so if I have a problem with my credit in the future I have something to show. He tried to get through to a supervisor, but after about 45 min. on hold, all he could do was email the supervisor asking them to call me. At this point I do not feel that I will get satisfaction without your intervention.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, during the trip to XXXX, I lost my wallet. I immediately notified the credit card company of the lost card. I informed them that the loss occurred between the check-out from the hotel and the taxi trip to the airport, I reported the incident to the airport police station but to no avail due to the language barrier. They informed me that they do not write a report for a foreigner who lost their credit card and informed us to report the loss to the credit card company. We reported the lost/stolen card to HSBC and the subsequent unauthorized charges on the card which we disputed as a fraud. On XX/XX/XXXX, HSBC closed the stolen card account and credit all the unauthorized charges. Soon after the old account was closed and a new account was created, HSBC reversed the credit to the new account and charged us finance fees, late fees, and interest fees. We make a good faith payment of {$50.00} of minimum payment to the newly open account, hoping that they will reverse the charges and credit us for the {$50.00} we paid We contacted them again in XX/XX/XXXX and requested the total balance and all fees to be credited. HSBC first respond was the fraud claim was denied and demanded us to produce evidence of fraud. We told them we could not produce one since it was impossible and as stated reasons to them in XX/XX/XXXX. They denied our claim and stated they will investigate. 60 days went by, and HSBC did not inform us of their decision until XX/XX/XXXX, we contacted them again to inquire of the decision. They informed us they still investigating and waiting for the merchant to respond. On XX/XX/XXXX, they denied our claim again and reasoning that we must produce evidence of fraud. We informed them that they have violated federal laws of charging interest fees, late fees during the investigation, They also violated several FCBA laws. While pending investigation, HSBC continues to charge interest, late fees, and report our late payment to credit reporting agencies.
Company Response:
State: CA
Zip: 90501
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. Hsbc Bank Usa Na- XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.
Company Response:
State: CA
Zip: 91733
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A