Date Received: 2020-04-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: https : //www.us.hsbc.com/ I opened a Premier Checking account with HSBC on XX/XX/2019 in response to their {$750.00} sign-up bonus offer. I opened the account online from the HSBC website following their own promotional link. I have consistently met the deposit requirements and terms of the offer each month since opening the account. My bonus should have been paid by this point. I have attached a screen-capture of the offer posted on the HSBC web page. I have called HSBC to ask about the status of my bonus offer and the first 1-2 reps could not tell me why my bonus had not been paid. They escalated the claim to a " regional manager '' but I still have not gotten confirmation. I have been told twice to call back at the end of the week to see if there is a resolution. The issue continues to drag out and they are not resolving the issue.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 1. when I reported fraud on my card in XX/XX/2019, HSBC still charge late pay fee. 2. HSBC admitted the fraud on my account and credited back {$4700.00} on XX/XX/2019, but they rejected to correct the statement to credit bureau to change my credit score. and it passed 4 month and credit report still shows old debts : {$10000.00} debts not {$6200.00} 3. {$6200.00} is the transaction more than 90 days from the fraud report
Company Response:
State: CA
Zip: 95014
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I received a bank statement letter from HSBC in XXXX, 2020. The statement shows that I have an account with a beginning balance of {$750.00}. I have never opened an account and deposited any money with HSBC. I wondered where the {$750.00} came from, so I called HSBC on XX/XX/2020. A lady from HSBC talked with my husband and I and misled us into opening the account. When we asked her who deposited {$750.00} in the account, she said it was credit. We were confused by this statement, and grew suspicious. We asked her, " Is there a monthly fee we need to pay to claim the money? '' She said, " Yes, if you open an account and deposit less than {$75000.00}, the bank will charge you a monthly fee of {$50.00}. '' Both of us realized that they were committing fraud and I immediately told her to close my account on the phone and protect the personal information I gave to her, but she said closing the account would come at a cost of {$25.00}. I would appreciate it if the CFPB could support me and help me close this account with HSBC.
Company Response:
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Good afternoon, HSBC has mishandled my accounts in multiple ways : from telling me to fill out an application to open up a savings account ( after I had already opened up a checking account ) to suspending my mobile and online banking after depositing a government check. I and HSBC tellers have had to wait on hold often times from 20-30 minutes. I called once trying to rectify the concern and had to hang up because I had been going from department to department without resolution and my lunch time was over. I have had to send in documentation, I have been in front of tellers and provided documentation and there is no way that this bank should be allowed to restrict access to funds for over 2 months after being provided with i.d., social security number and other information. The concerns were supposed to be rectified from prior complaints ( they were not XXXX & XXXX ). This issue began in the latter part of XXXX/first part of XXXX. I was assured that the matter of being able to access my account/my funds was handled : it is not. I sent an email and called on XX/XX/XXXX. It is XX/XX/XXXX : there has been no response and I do not have access to the money. I did take most of the money out when I visited the bank. However, I want the remainder of my funds. I called today and had to leave a message like before. Please assist me in retrieving my funds, closing the account, investigating HSBC practices and holding the employees responsible accountable ( up to and including termination ). XXXX XXXX
Company Response:
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
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- JXX/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: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC ( Beneficial ) and XXXX XXXX XXXX, XXXX ( XXXX ) continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of HSBC and XXXX. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by HSBC and/or XXXX or affiliates and/or associates for any debts claimed by these untrustworthy entities. ( including but not limited to, HSBC, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my HSBC Premier checking account on XX/XX/XXXX. I deposited {$5000.00} per month in direct deposit with my paycheck from my employer in XXXX, XXXX, and XXXX. I met the terms of qualifying for a checking account bonus of {$750.00} since my last paycheck came in on XX/XX/XXXX. I reached out to HSBC via chat numerous times, and they also agreed that I met the terms and is escalating it internally to get it resolved. However, it has been 2 weeks and I tried following up with them, but they did not provide a response nor the {$750.00}.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Please see the attached unlawful reason for denial of my PPP application from hsbc bank and this was done to all the XXXX applicants with small businesses that i know of but do not have any business accounts because they do not have enough money to keep in a business account that demand a maximum-minimum of about {$20000.00}, {$50000.00} and {$100000.00} balance requirement daily. We can not afford those business accounts. For those reason we should not be left out of the PPP application from these big banks for those reason, and it is mainly minorities us that are being left out. TO : US Small Business Administration, US Attorney General, NJ Attorney General, New York Attorney General, US White House, US Congress, US Senate From : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX, XXXX, Subject : Cares act ( the bank only looked at the application of its favourite companies that it makes most money from, and deny true small businesses even the ability to apply if they do not have a business account with them, most small business do not have a business account, and even more so when the small business is minority owned ). The major banks that Congress, the senate and the president gave complete power to process the PPP loan application did not use the first come first serve fair process but instead shift through the applications for their favourite companies that they make the most money from and for some reason, these are all XXXX owned. These banks barred all true small businesses who do not have a separated business account at their bank from applying at their bank, the people who are mostly affected by this are minorities, especially XXXX folks, XXXX, and women. These banks that cares act gave total power to administer public funds have used discrimination, egregious and outrageous conduct in excluding true small businesses from applying and those few true small businesses who were lucky to sneak in their application to the bank, were ignored even thou their application were the earliest of the application, the banks decided to not process them because the banks focused on which businesses makes them money. My true small businesses and the 2000 small businesses that I have assisted and advocated for are victims of these banks and federal government unlawful conduct. For this reason the over 2000 true small businesses I am respresenting did not even got their application looked at, most did not even get to apply because all the banks like HSBC, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX etcetera all said they are not taking any application from any small businesses unless they have a business account there, it does not even matter the owners has personal accounts at their bank. I am asking for an investigation and I am informing that a class action lawsuit is about to be filed not only against the banks listed above but against the government agencies for violation of our constitional rights and making public funds only available to the private banks and their friends, the rich and powerful. There was literally no method employ that gave everyone a fair and equal chance of getting these Cares Act loans. It was design only for the wealthy and connected. The damages being seeked will be {$50.00} XXXX dollars in damages for the government and banks tortious conspiracy to deprive regular true small businesses with no connnections and friendship with the rich and powerful individuals and banks from getting a chance of being approved. An investigation is being requested into HSBC, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Congress, Senate, Small Business Administration, democratics and republic currently in the senate and congress and any part of the legislative and executive branch of the US Federal Government. What XXXX would put private banks in charge of processing this kind of funds? Any person currently elected in the congress, senate, executive branch of government needs to be VOTED OUT of office PROMPTLY for allowing, aiding, abetting and conspiring with the banks and allowing this law to pass that gives private bank this kind of power to pick and chose whose application they accept or process. Causing severe and horrific financial harm to true and more vulnerable small businesses. And the amount of money these applicants wanted for assistance was 10 % smaller than than granted amount he banks gave to their friends and favourites. I am calling for all my clients to vote no to anyone currently in office. It does not matter what office and what political party. For these reason a class action lawsuit will be filed against the defendants listed in this letter for {$50.00} XXXX dollars, {>= $1,000,000} submitted by XXXX XXXX
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: my XXXX year old used my credit cards without my knowledge or authorization. Spent alot of money. I disputed with HSBC and they sent me a letter back stating they would not credit my account for the charges.
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
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/XXXX I requested a new balance transfer with a new credit card. I requested a certain amount and received an email confirmation. XX/XX/2020 I went online and discovered a second balance transfer was submitted for exactly the amount that would max out the credit line. when I spoke to hsbc bank, they claimed 1, it was a bank error. then they claimed it was my error. then they claimed it was fraud. The original balance transfer had all my bank info that they could tell me and then the unauthorized charge was blank with no information. Six reps could not assist me. This is clearly internal fraud.
Company Response:
State: CA
Zip: 94607
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A