HSBC NORTH AMERICA HOLDINGS INC

2019-07-27

Berkeley, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I recently opened a few accounts at HSBC attracted by a few promotional offers. In chatting with the nearest branch VP I accidentally discovered/was alerted to fraud. I was told that some money was being diverted from my account. I was given different numbers at the branch, and the VP refused to put it in writing, but the total missing is over {$550.00} from my understanding. From my understanding of the sketchy information I got from the branch, and by calling their Fraud unit from the branch, someone had taken ( stolen ) at least {$500.00} and {$20.00} out of my account. That was around XX/XX/2019. I was told that the bank would have investigated the matter and sent me details of their findings. Instead about a week later HSBC Fraud sends me a note saying the withdrawals I questioned were " authorized '' and the " case is closed. '' So far I have NOT received any written accounting or investigation results from HSBC. I am pressuring HSBC to send me details but none have yet come in writing at least.
Company Response: Closed with explanation

Timely Response

2019-07-27

San Francisco, CA

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: Company : HSBC I responded to mail promotion from HSBC ( copy attached ) promising a {$370.00} welcome deposit for opening a checking account, depositing {$10000.00} in the first 30 days, and maintaining that amount for 90 days. The mailing promised that I would automatically receive the welcome deposit approximately 8 weeks after the 90-day period. Timeline : - XX/XX/2019 : Account opened and funded with {$10000.00}. - XX/XX/2019 : 90-day period elapses ( balance throughout this period = {$10000.00} ). - XX/XX/2019 : This is now 8 weeks after XX/XX/2019 so I expect to receive the {$370.00} welcome deposit shortly. - XX/XX/2019 : I first try to contact HSBC at XXXX but am on hold for over 20 minutes and hang up. - XX/XX/2019 : I again call HSBC and speak with someone who confirms I have met the offer conditions and says she will get back to me within 48 hours to advise on when I will receive the {$370.00} welcome deposit - XX/XX/2019 : There has been no follow up from HSBC so I call again and speak with a different person who explains that he will need to submit another inquiry with the marketing team and will call me back no later than the following Monday ( XX/XX/2019 ). Since the person I am speaking with says he has no authority to resolve my issue, I ask to speak with a manager or directly with someone from the marketing team, but am told that is not possible. - XX/XX/2019 : Six days later, there has been no follow up from HSBC so I call again. Again I am told that the person I am speaking has no authority to resolve my issue and they will need to submit another inquiry with the marketing team. They can not provide any timeframe for when to expect the issue to be resolved so I tell them that I have not received the welcome deposit I am owed within two days, I will have to file a complaint with the CFPB and the California banking regulator. - XX/XX/2019 : I have still not received the funds I am owed or any follow up from HSBC so I am submitting this complaint. There are numerous other complaints on the CFPB website regarding similar facts so clearly HSBC is engaging in a pattern of behavior -- promising welcome bonuses for opening accounts and then failing to carry through with their promises. In my case, the bank has had ample notice of the issue and time to respond. Their ongoing failure to correct the error amounts to an intentional act to harm a US consumer.
Company Response: Closed with explanation

Timely Response

2019-07-26

Norwalk, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: On or about XX/XX/XXXX, at my place of work, I received a call from XXXX XXXX at XXXX XXXX XXXX advising me that I owed a debt to XXXX XXXX and that if I did not resolve the matter, they would be serving me with papers. Out of fear and humiliation of being served at work, I agreed to make payment arrangements on a XXXX XXXX XXXX account that I knew I once had. Myself and XXXX came up with payment arrangements that would work for me. These payments were to be automatically deducted from my bank account. XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - XXXX During the discussion, I asked XXXX to provide me proof in writing, advising me of the debt. XXXX agreed to send me an email. On XX/XX/XXXX, XXXX left me a voicemail stating that the email was returned to her due to an incorrect email address. On Friday, XX/XX/XXXX, I returned XXXX 's call and provided her my email address once again. XXXX stated I would receive an email shortly. On Monday, XX/XX/XXXX, I received an email from XXXX XXXX XXXX with an attached payment Authorization Form. I became suspicious of the form as it appears to be a generic form that is authorizing XXXX XXXX XXXX to charge my credit card with very little information regarding my alleged debt. On XX/XX/XXXX, I made a call to XXXX XXXX XXXX and asked that they provide the original account number to me and XXXX XXXX XXXX stated that the debt was no longer owed and the account number for XXXX XXXX XXXX does not match the account number for XXXX XXXX XXXX that XXXX XXXX XXXX was providing. After verifying all of the above facts, I called XXXX XXXX and advised her that if in fact, I did owe this debt, I would like to see some type of documentation that proves such ( a bill, confirmation from XXXX XXXX ) XXXX then transferred me to XXXX XXXX who advised me that if I did not pay this debt in full I would be served with papers. I then proceeded to advise XXXX that if in fact, I owe this debt, I would be willing to pay however, all I wanted and rightfully so as a consumer, was proof. XXXX stated that the authorization form was proof and my account number was on there. I told XXXX that according to XXXX XXXX that is not my account number. XXXX proceeded to tell me that XXXX XXXX has no business speaking to me as this is no longer their debt as it was sold to XXXX XXXX XXXX and they would be in trouble for speaking to me and XXXX XXXX XXXX would be sending XXXX XXXX a cease and desist letter. XXXX became very hostile and told XXXX to prep the paperwork and proceeded to shout and cut me off. I then told XXXX, if you won't provide me the info, at least allow me to look at my account online. XXXX stated that XXXX XXXX XXXX did NOT have a website and became more irate when I advised her I would look her up on the XXXX XXXX XXXX website. XXXX said " you don't want to settle '' and hung up. I called back a minimum of 10x 's trying to talk to someone and all my calls were clearly being ignored via caller ID. It is a fact that every time I called XXXX knew it was me. I finally got through and " XXXX '' answered. I advised XXXX I was hung up on and would like to talk to someone besides XXXX. XXXX said " oh no, why were you hung up on '' and said please hold. XXXX came back on the phone and said " good luck in court '' and hung up on me. I called XXXX XXXX on XX/XX/XXXX and was advised that any and all accounts I held with XXXX XXXX have been closed by me and have not been sold to a collection agency. It should also be noted, that XXXX XXXX is NOT the only company trying to collect from me on a XXXX XXXX Account. I have asked XXXX for my money back that was deducted from my bank account {$320.00} and XXXX denied me. After reviewing the company information on the XXXX XXXX XXXX website, it is clear as to why this company is rated F. They have scammed numerous people like myself out of money. They are threatening and harassing people like myself work not to mention the stress they put on people to say they have to come up with the money or else..
Company Response: Closed with explanation

Timely Response

2019-07-26

Brooklyn, NY

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Complaint: On XX/XX/XXXX of this year I initiated a balance transfer on a new HSBC credit card that I had acquired. One month later Chase hadn't received any check from HSBC, so I contacted them to resolve the issue. They urged me to wait a couple more weeks, which I did, but when my first payment was due and XXXX still had not received a check I contacted HSBC again to potentially cancel the balance transfer and revise my minimum payment which was due, since I was now carrying a balance of {$1900.00} on both credit cards. I called 4 times and each time I was told I would receive a call back from an HSBC agent within the week. I never did. Finally I approached an HSBC bank manager who claimed to have cancelled the check and had a new check sent out to XXXX. XXXX never received it. It was now the first week of XXXX, over two months since I had originally initiated the balance transfer, and HSBC had now filed a late payment charge on my credit report. I paid the minimum amount due to resolve any further issues and had them cancel the check and the balance transfer. Without my authorization they closed my account, and now both the late fee and the closing of the account have severely affected my credit score. When I inquired how I could dispute the late charge they told me to contact their " customer relations '' line. I left 4 voice messages and never heard anything back. This is by far the worst experience I've ever had with a financial institution.
Company Response: Closed with explanation

Timely Response

2019-07-26

Jersey City, NJ

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2019-07-26

Philadelphia, PA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: In late XXXX or early XXXX of 2019, I received a piece of mail at my home from HSBC inviting me to open a new HSBC Advance checking account. The mailer advertised a {$370.00} " welcome deposit '' upon completion of the following qualifying activities : " -Open your new HSBC Advance checking account by XX/XX/2019 ; and -Deposit a minimum Qualifying Balance^2 of {$10000.00} or more in New Money^3 in combined checking and savings accounts within 30 calendar days of account opening^4 ; and -Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance '' The footnotes referenced above are reflected on the reverse of the mailer. The document goes on to state " You will automatically receive the {$370.00} Welcome Deposit in your new HSBC Advance checking account approximately eight weeks after completing all qualifying activities. It's that simple. '' On XX/XX/2019, I visited the website referenced on the mailer ( XXXX ), entered my " personalized code '' as printed on the mailer, and submitted an application to open a new HSBC Advance checking account. On XX/XX/2019, I received confirmation that HSBC had established my new account. On or about that date, I initiated a transfer of {$10000.00} cash from an XXXX XXXX savings account to the new account at HSBC. On XX/XX/2019, the transfer of {$10000.00} posted to the new account at HSBC. This account was the first one I have ever opened with HSBC, and it remains my only account therewith. Based on the terms of the offer I received from HSBC, I noted for my records that I would satisfy the " 90-day requirement '' on XX/XX/2019 and that the welcome deposit should appear eight weeks from that date, on or about XX/XX/2019. I will note that from the point of initial funding on, I never debited funds from the HSBC account and at no point did the balance fall below {$10000.00}. To this day, the account balance exceeds {$10000.00}. On XX/XX/2019, I logged into the HSBC mobile app to check the activity in my HSBC account and noticed that the welcome deposit had not posted. At that time, I initiated a live web chat with HSBC customer service to inquire as to the status of the welcome deposit. I referenced the mailer I received promoting the offer, provided the foregoing timeline of account opening and funding, and was told to allow 3-5 business days for review of my case. I was told that I would receive a written response via " Bank Mail, '' a secure means of electronic correspondence through the HSBC client portal. By XX/XX/2019, XXXXve business days had passed since my web chat with HSBC customer service. I placed a call to HSBC Advance customer service on the afternoon of XX/XX/XXXX and explained my situation. I was told that there was an error with the query submitted as a result of my web-chat interaction and that they would need to investigate further. I was told that they would call me back the next day ( Friday, XX/XX/XXXX ) or early the following week. On Wednesday, XX/XX/2019, I received a call from the same representative with whom I had spoken by phone at HSBC Advance Customer Service. The representative reported that the analyst looking into my situation confirmed that I opened the account from the correct landing page to qualify for the welcome deposit. The analyst requested the personalized code I entered with my application. Fortunately, I saved the original mailer that contained the code in question and I provided the code to the service representative. The representative told me that she would pass the code along to the analyst and that the deposit would " hopefully '' appear in two or three days. On Friday, XX/XX/2019, I received another call from the same representative who indicated that she had " good news '' to report : HSBC confirmed that I satisfied the qualifying activities and approved the welcome deposit. It would appear in my account after four weeks, as long as the account remains open at that time. I asked the representative why it would take an additional four weeks for the deposit to appear, given that HSBC had definitively established that I qualified for it and that it should have been issued weeks prior. The representative was unable to provide an explanation for the further delay. I indicated that the delay was unacceptable and was a further deviation from the terms advertised on the offer I received by mail. I told the representative that I intended to file a complaint with the CFPB, at which point she said that she would like to apologize on behalf of HSBC and that she would escalate the matter internally in the hope that they could expedite processing of the welcome deposit. As I explained to the HSBC service representative, my complaint has little to do with the amount of money at hand ; my issue is with the process and what appears to be a practice of failing to pay out the promised incentive, creating numerous hurdles for the consumer to overcome once alerted to the fact that the incentive has not been paid, and needlessly delaying the payment once it has been " approved. '' Based on my experience with HSBC, I have no confidence that I will actually receive the deposit in four weeks. There is no reason why I should have had to contact HSBC in the first place, as they have established that I satisfied all of the requisite terms of the offer from the get-go. Given HSBC 's acknowledgment of that fact, I have to wonder how many other customers have been denied welcome deposits and any other targeted incentives used in marketing materials to get people to open new HSBC accounts. It is sheer luck that I retained a copy of the mailer I received containing the personalized code that HSBC requested in order to verify my eligibility for the welcome deposit, despite the fact that I was required to enter said code before I could even submit an account-opening application from the web page referenced in the mailer. I accepted the terms of this promotion and satisfied every requirement of me as the customer, including giving HSBC eight weeks after satisfaction of the qualifying activities to pay out the welcome deposit. HSBC has not held up its end of the promotion that it went out of its way to advertise, and there is no reason I should be made to wait four more weeks to receive the welcome deposit to which they acknowledge I am entitled. All the while, my $ XXXX-plus account balance at HSBC is held captive. If I close the account before the welcome deposit is paid, I forfeit any claim to it. If the balance falls below {$10000.00} at any point while the account is open, HSBC will assess a monthly " maintenance fee '' on my account, the APY on which is a paltry 0.01 %. I am fortunate in that I have the wherewithal to await a resolution to this matter before having to withdraw funds that would cause me to incur a monthly maintenance fee, or close the account and forfeit the welcome deposit entirely. I've spent hours trying to resolve this with HSBC to no avail, and I've kept meticulous records of every interaction I've had with HSBC in addition to retaining the original offer I received by mail several months ago. I would like a prompt resolution of my own issue with HSBC, but I am more interested in ensuring that others are not being taken advantage of as I have been. Thank you for your time and consideration of this complaint.
Company Response: Closed with explanation

Timely Response

2019-07-26

Scottsdale, AZ

Managing an account

Checking or savings account: Savings account

Problem accessing account
Complaint: I applied for a HSBC XXXX XXXX account on XX/XX/XXXX, and was approved online ( doc attached ). My initial {$XXXX} deposit was processed the same day as well ( doc attached ). I was able to set up an online banking account as well after the application process. On XX/XX/XXXX, I deposited a check for {$XXXX} through the mobile app. I attempted to log into my account on XX/XX/XXXX to see if my check deposit was received since I had not received any confirmation or any updates on the check deposit status. When trying to log into my account, I received a message saying my account was suspended. I called the listed phone number of 1XXXX ( screenshot attached XXXX to get this resolved. After XXXX minutes on hold, I was able to speak to someone who then attempted to transfer me. I called again and was on hold again for XXXX hour and XXXX minutes and was given another phone number to try. I called the phone number and waited for XXXX minutes until an agent was able to give me yet another phone number to try. I attempted to get help through the HSBC social media team and chat help on the website, only to be told again to call. I continued calling the numbers again on XX/XX/XXXX without any resolution, but was able to get clarity on who to try to contact. I finally was able to reach the department at 1XXXX on XX/XX/XXXX after waiting on hold. I received word that my account was suspended and I needed to send verification even though my account had been approved online! I was never notified of any of this until I wasted hours trying to gain access to my account! I submitted the information that was asked of me ( doc attached ) and waited for confirmation. However, I did not receive confirmation after waiting XXXX business days as the rep had told me over the phone. I called again on XX/XX/XXXX to confirm whether or not things have processed. After another hour on the phone, I was able to speak to a rep who looked for my documents. He said he would process everything immediately and that I should have access restored after XXXX minutes. However, my account access has not been restored. Every attempt to log into my online banking is met with the message that my credentials are suspended ( screenshot attached ). I attempted again to contact HSBC for help on the afternoon of XX/XX/XXXX so that I would be able to regain access to my online banking. However, after another XXXX hours of waiting on hold and attempting to resolve issues with the chat team, my online access still has not been fixed. Today, XX/XX/XXXX, I have been on hold on the phone again for another XXXX hours trying to reach someone at 1-XXXX. I called the general customer care line to attempt to resolve my problem, only to be referred back to 1-XXXX. I am still waiting for someone to resolve my online banking problems so that I can access my money.
Company Response: Closed with explanation

Timely Response

2019-07-25

Hyannis, MA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2019-07-25

Magnolia, TX

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to sue you for very old debt
Complaint: I received a automated phone from XXXX XXXX XXXX company phone number XXXX XXXX XXXX in regards to a old debt past 7 years and asked me to press 1 to speak to an agent which I did. Mrs XXXX answered and tried to collect on a HSBC debt from more then 7 years ago. I advised her that I am under Bankruptcy protection filed in the state of Texas and she need to speak with my Attorney and then she started to threaten to file a law suit after which she disconnected the phone call.
Company Response: Closed with explanation

Timely Response

2019-07-25

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-07-24

Three Bridges, NJ

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: ( Pls note that it takes at least 1-2 hrs of waiting on the phone to reach anyone in HSBC Dispute Dept. ) On XX/XX/XXXX I notified HSBC dispute department re an amount of {$600.00} that I wanted them to put into dispute. I then received a letter dated XX/XX/XXXX confirming that HSBC had followed thru and temporarily credited my account {$600.00}. Then on XX/XX/XXXX, I went to court about the dispute and the Judge ruled in my favor that the {$600.00} ( plus court costs ) should be paid ( back ) to me by the defendant. I immediately notified HSBC dispute department ( on XX/XX/XXXX ) by phone that the court had ruled in my favor and to please keep the dispute amount credited to my account. The Dispute dept. rep. also told me to write an email explaining everything to HSBC along with copy of the court document, which i did immediately. In my email, I stated that esp. because of winning my court case, they needed to keep the disputed amount credited to me. However, despite all of this, I received a letter from HSBC dated XX/XX/XXXX, that " After careful review of your dispute, we have determined that we do not have sufficient documentation/information and are unable to purse this matter further. We have placed this charge back on your account. ''!!! I immediately called HSBC Disputes - spoke to the same rep again, and asked why HSBC HAD COMPLETELY IGNORED THE LEGAL DOCUMENT/PROOF AND MY REQUEST! The rep said they had incorrectly interpreted my email!!!! And without even bothering to ask me, decided to put the entire charge back on my account!! The rep then said I should write yet ANOTHER email telling them why THEY had made the mistake!! But then, a week later, i received a final letter from HSBC dated XX/XX/XXXX basically saying that it was too late. The defendant had cashed the money and " We have removed this item from dispute and consider it resolved. ''!!! NOW, I have started to pay legal fees to recoup the money and don't know how much I will eventually have to pay to get the money back. So besides this complaint I AM DEMANDING THAT HSBC START COMPENSATING ME FOR THE ADDITIONAL LEGAL FEES I MUST NOW PAY ( beginning with {$43.00} ) - FOR WHAT WAS A COMPLETE & UTTER FAILURE ON THEIR PART! How does such a major bank have such a dangerously incompetent Dispute Dept.???
Company Response: Closed with explanation

Timely Response

2019-07-24

Dushore, PA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2019-07-24

Eatontown, NJ

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with explanation

Timely Response

2019-07-24

Wonder Lake, IL

Problem with a credit reporting company's investigation into an existing problem

Credit card or prepaid card: General-purpose credit card or charge card

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-07-23

Warren, RI

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB. When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.
Company Response: Closed with explanation

Timely Response

2019-07-23

Queens, NY

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Complaint: I went overseas the XX/XX/XXXX thru the XX/XX/XXXX. I informed HSBC Bank that I was doing such, and that I would be taking and using both my advance card as well as the premier card in XXXX. On the XX/XX/XXXX, I, and family and friends went to a big department store to purchase items for them..total bill was {$290.00}, to my surprise at the register with all looking both of my cards were declined. Again the same day, we went to purchase food for the babies, as well as ourselves and again both cards were declined. I called the card people and spoke with supervisor XXXX who advised me that the caards are both in good shape, order and standing, and both paid way ahead. I asked her then why declined?? She proceeded to say it was a chip in the card and or the stores computers did not work. REALLY!!!!!!! She apologized and said that both cards are ok to use.I waited two days then went to purchase at a very exclusive jewelry store a bracelet for my lady, and WOW ... ... again declined, my daughter had again to pay cash for this as well as the other two stated above. Again I called these folks and this supervisor now advised me that their was a big robbery, fraud investigation, worldwide breach, and theft at the corporate level and all card were being declined. Back to NYC, I called and spoke to XXXX XXXX, who apologized and advised me to proceed with whatever I wish to do. On XX/XX/2019, this same card was used six ( 6 ) times by criminals in Maryland and Conn. and out of the 6 times the card was used the great HSBC Bank approved the criminal activity and yet this senior citizen is having to fight to get justice from this fortune 500 company to try to get his money back to reimburse his daughter to be who paid for this banks stupidity, negligence, and ignorance, on a card that was well ok from the very beginning
Company Response: Closed with explanation

Timely Response

2019-07-23

San Francisco, CA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Complaint: On XX/XX/XXXX I made an on-line application to HSBC for their gold Mastercard. Application ID:XXXX On XX/XX/2019 I received a phone call supposedly from an agent of HSBC. He wanted personal information from me over the phone. There were a number of problems with this phone call. The first one being that I am severely XXXX XXXX. I tried telling this to this man to no avail. I told him I was having great trouble XXXX him and could he please contact me by email. He told me he would not and could not do that. This was enraging. Can HSBC or other credit card companies not accommodate their customers who are XXXX or XXXX XXXX? This seems a violation to me of basic respect, care, and concern. I also think this is clearly discriminatory. Secondly, I told the man I did not know who he was and had no way of verifying that he indeed was associated with HSBC. He told me he could give me a phone number to call him back at. I told him that all that did was give me a phone number at which I would have no way to verify I was calling HSBC and it also brought up again that I was XXXX XXXX. Was there a part of that which that man did not understand. I told him again I would gladly answer all questions by email. He said again, he would not and could not do that. They have my email address as part of the application. I see no reason why they couldn't make this accommodation+. Lately there have been a great many phone scams directed to the elderly, I have no way of knowing this was not one of them. I am assuming by the time you get this complaint the credit application has been denied. A black mark against my sterling credit record and scores. All because HSBC and its agent could not make accommodation for a man who is XXXX XXXX. This to me is not only unwise business practice but is also clearly discriminatory under what I believe is the law. I had no way of contacting HSBC. They did not give me an email address to address this issue to them and no phone numbers so I sent them a letter yesterday, an admittedly slow way of dealing with the issue but the only one I seemed to have. I sent the letter to their mailing address : HSBC Bank USA, N.A. XXXX XXXX XXXX XXXX, NY XXXX
Company Response: Closed with explanation

Timely Response

2019-07-19

Hinkley, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I am receiving letters from XXXX XXXX XXXX and XXXX XXXX XXXX regarding the same debt. I sent them a letter on XX/XX/2019 that this debt was assigned to my ex-husband in our divorce. Yesterday, they sent me a letter with falsified information and my signature was forged. This is a very serious problem and I would like it addressed.
Company Response: Closed with explanation

Timely Response

2019-07-19

Leeton, UT

Incorrect information on your report

Checking or savings account: Other banking product or service

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2019-07-19

Los Angeles, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2019-07-18

Warren, OH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2019-07-18

Dallas, TX

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Company Response: Closed with explanation

Timely Response

2019-07-18

Tarzana, CA

Problem with a credit reporting company's investigation into an existing problem

Credit card or prepaid card: General-purpose credit card or charge card

Their investigation did not fix an error on your report
Complaint: I opened a credit card account with HSBC in XXXX of XXXX. I didn't use the card much but made my first payment online in XXXX, XXXX. I put my credit union account info in their system, made the payment, and everything was fine. I did the same thing in XX/XX/XXXX and they accepted the payment. I did not hear from them concerning any problems. I then made my regular payment in XX/XX/XXXX. They still did not notify me of any problems. My XX/XX/XXXX payment was made on XX/XX/XXXX, and went through again. This month i noticed late fees for XX/XX/XXXX & XX/XX/XXXX even though I paid before the due date. I called HSBC on XX/XX/XXXX at about XXXX and asked for an explanation. They advised me that the XX/XX/XXXX & XX/XX/XXXX payments did not go through. This was the first I had heard of a problem. They read me the bank account number for my payment and the last digit was a " XXXX '' instead of a " XXXX ''. I had never changed it so they referred me to the fraud department. Based upon my logins, they concluded that there was no fraud and it must have been a " glitch '' at their end. When I was transferred back to customer service, they refused to change my credit report showing I was late on payments. I have never been late on a payment to my other numerous credit card companies, My FICA score was over 800 before they messed it up. I need them to correct their report to the credit bureaus so this can be rectified. I don't feel a call from me will do the trick.
Company Response: Closed with explanation

Timely Response

2019-07-18

Charlotte, NC

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2019-07-17

Flushing, NY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response