Date Received: 2023-04-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been a credit card customer of HSBC for over 10 years. During that time I never had problems making payments earlier than those scheduled through autopay. Recently HSBC boasted that they had a new and improved platform. However, what has really happened is that it is impossible to make an early payment with the new format. This happened first last month and it took about 35 minutes on chat to get the payment made which was essentially the minimum amount from the checking account approved for autopay. Simply stated, rather than waiting for autopay to take the payment, I wanted to make it two week early to save interest. Again this month I was unable to make the early payment and after about 40 minutes and this time TWO ( 2 ) CUSTOMER SERVICE REPS they concluded it was not possible to make early payments once autopay was ON. This is fraud. The idea of autopay is to avoid the absurd and obscene late charges that HSBC seems to love. To prevent people from paying early seems to feed the greed of HSBC. From the recent position statement of the CFPB, it seems the Bureau is interested in all this sly and dirty dealing done by banks. This is a prime example. It is greed that prompted HSBC to institute this " new and improved '' platform. More lies.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Back in XXXX of XXXX I have reported a lost/stolen card and fraud activities on my HSBC credit card with HSBC. Even though I provided them all the proof that at the time of fraud activities I was not physically present in the country. I was out of country the whole time my card was used. HSBC have denied my claim. I refused to pay for something which I did not authorized. This is my Right not to pay if I did not make purchases. Now HSBC have sent the whole amount to collection and the collection company name is XXXX XXXX, they are keep sending me emails, non stop phone calls. I am attaching my proofs again.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have sent an wire for house purchase on XX/XX/2023 at XXXX XXXX via my HSBC bank account and they have kept withdrew my account. I learn after 9 days they have hold my wire to recipient for no reason. After speaking and telling importance, how this wire can jeopardize my transaction of house purchase, they assured me they will release it immediately. Today is XX/XX/XXXX and they have not released wire till now and have 0 communication to me, why they have hold the wire. I have to stick with non competitive lender because of this transection mismanagement by HSBC.
Company Response:
State: TX
Zip: 75063
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: A representative from XXXX XXXX XXXX repeatedly called me even after I requested not to be called, was very rude and used profanity
Company Response:
State: CA
Zip: 94606
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
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: Bank some how turned off autopay without notifying me, months ago. Although I had multiple points of contact with bank I was never notified payments were not made/ late or that autopay was turned off. Funds were always available. Hold times to speak to a rep are over one hour. Each rep gives different and conflicting information as to which bank account was linked/ why autopay was turned off and how it was turned back on. I was only notified by an third party agency of 30 days delinquent. I made payment that day and paid bank card payment in full. Then magically the autopay was turned back on by bank ( not by me ) to the correct account. Bank does not return calls, makes it impossible to speak to a manager nor can give clear reasons for the failure of communication/ notification. Bank is not making good faith error to correct the erroneous credit report of 30 days delinquent. due to system error or explain clearly the mechanisms that caused the failure. Bank was not able to advise me of when and how I was notified of problems. Further more when I asked to close the account I was told that also could not be done without a call back. That I also never received.
Company Response:
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Im a global HSBC Premier customer. At signing- I was told if I maintain {$75000.00} or more in my accounts, I would not be charged any fees. While maintaining over $ 200k in these accounts- I noticed {$50.00} fees being subtracted monthly for a total of 25 months! I called 3 times and finally had XXXX of these reimbursed- and have called XXXX times per week and interacted with online chat for the last 3 months - getting nowhere on the other XXXX {$50.00} payments hijacked from the account- a total of {$650.00} is still owed, PLUS the interest lost and accumulated on the accounts for the past XXXX months. Im in a circular loop with them and can't seem to get anyone to take accountability with the bank. I want to get my money- transfer it- and fully close the accounts. This is very fraudulent activity thats cost me money.
Company Response:
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was contacted this morning by an unknown firm that refused to identify itself and did not verify my identity before relaying private information. I was initially contacted by a number from a XXXX, CA number at XXXX. They told me that " police officers '' would be " arriving today to serve papers '' on me. I asked them what this was about and they told me to call XXXX with case # XXXX. I called that number and asked what was going on. The XXXX man who answered was belligerent and bullying when I asked him what this was about. Before I had even identified myself, he alleged that I " owed '' some unnamed phantom debt to XXXX that I had allegedly " used '' for " 5 '' years. He tried to imply that I wouldn't be able to get legal representation to assist in this matter. I tried several times to tell him that I had been a victim of identity theft but he aggressively overrode me and tried to continue threatening me. Fed up with not being able to get a word in XXXX, I informed him that his tactics were illegal and hung up.
Company Response:
State: OR
Zip: 97124
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Money was not available when promised
Subissue:
Consumer Complaint: XX/XX/XXXX - International Wire Transfer to XXXX XXXX XXXX in the amount of XXXX USD submitted. ETA of Transaction available at the recipient bank on XX/XX/XXXX. XX/XX/XXXX - Contacted HSBC support to find out about the status, as one of the wires for a smaller amount submitted on the same day had cleared. I had asked for the MT103 document to ease troubleshooting. They asked me to wait for the XX/XX/XXXX date. Sent an email to the premier team supporting the relationship which remains unaddressed. XX/XX/XXXX - Contacted HSBC support over phone to find out about the wire status, as the money was not received. I asked again for Mt 103 to expedite troubleshooting with the recipient bank. HSBC provided me with UETR and Transaction Reference number and two different support agents refused to provide an MT 103. XX/XX/XXXX - Contacted HSBC support again, now over chat, so that I could have the long string of characters of UETR in a written form ( the bank refused to email it to me ). Requested MT103 one last time and was denied the document again XX/XX/XXXX - The recipient bank could not locate the wire with the details provided ( UETR and Transaction Reference Number ) and refused to provide the status on the production of the MT-103 ( the wire investigation is open ) This is the second time something like this happens with HSBC - last time it took weeks for the wire to clear and I couldn't pay my parent 's medical bills in a reasonable time. All the conversations are done over the phone and through their dedicated chat app ( unable to take screenshots )- which it makes it so that I am unable to produce proof of the interactions other than my phone records
Company Response:
State: CA
Zip: 94306
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account at HSBC back was on hold for about six months to a year, and XXXX to XXXX my balance of {$14000.00} was to be funded to and a form of a check due to account closure. When the cashier check made it to me it was made out for XXXXcents I called HSBC customer center to ask them why and were did my balance go, they told me that they don't know of what I was calling about and kept sending me to a different department were at the end of me waiting for hours, they will just hang up on me very disrespectful and my issue was never resolved. Please I'm reaching out for help I've worked very hard for my earnings and need help on getting what's deserved back to me. Thank you
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Good morning.. my dears At Consumer Financial Protection Bureau XXXX greeting, It's XXXX XXXX my time in the state of California, today is Monday XXXX XXXX, On or Around XXXX XXXX, I contacted CEO HSBC bank USA.N.A . ..Mr. XXXX XXXX, to process my Judgment XXXX At the XXXX XXXX XXXX XXXX , County Court, State of Arizona, then month Later, I did contacted him again, then month later I Made a trip to HSBC bank XXXX XXXX, to talk to branch Manager he advised me to Contact the HQ, it's over six Month now, no reply received from HSBC bank HQ, please contact XXXX XXXX XXXX Bank CEO, thank you
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A