HSBC NORTH AMERICA HOLDINGS INC

2019-04-09

Garden City, NY

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-04-09

Auburn, NJ

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: On XX/XX/2019, licensed real estate agent XXXX XXXX, representing XXXX XXXX XXXX illegally trespassed on the property of my deceased parent 's home in order to take pictures for a Broker Price Opinion ( BPO ). The BPO was ordered by XXXX XXXX XXXX XXXX ( XXXX ), a known affiliate of XXXX XXXX XXXX , XXXX ( SPS ). I as the executor of the estate, which is currently in probate, was never notified nor gave authorization for XXXX XXXX or any other entity, to enter on this property. Posted signs are prominently displayed on the property and XXXX has been previously put on notice regarding trespassing. I contend XXXX has no legitimate claim to this property and no litigation is currently pending regarding this property. As result of XXXX XXXX XXXX illegal actions at the direction of XXXX and XXXX, I and my siblings feel violated and threatened. XXXX continues to display a disregard for the law. I am seeking a cease and desist from any further trespasses, a copy of any XXXX produced and a copy of all pictures taking of this property. I reserve the right to file a criminal police report at my discretion. XXXX has been repeated told this property is NOT the property described in the purported mortgage. In addition, XXXX has yet to provide a legitimate claim per XXXX Surrogate Court Law.
Company Response: Closed with explanation

Timely Response

2019-04-09

CA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Deposits or withdrawals
Complaint: I wish to close my HSBC accounts and withdraw all my money ( over {$100000.00} ) from this bank immediately. I have contacted HSBC bank at least a dozen times since last week asking why HSBC was IMPROPERLY WITHOLDING my fundsI did not get a reply. I want a clear answer from HSBC as to exactly WHEN/ WHERE/ HOW I CAN GET MY MONEY and CLOSE MY HSBC ACCOUNT ASAP. Customers have the right to know and the right to access their account. HSBC has NOT provided me any answer. I FEEL HARRASSED and RETALIATED AGAINST BY HSBC in THIS LATEST HOSTILE ACT BY HSBC directed at me because I have brought several complaints about HSBC to CFBP. I am also of XXXX American heritage and I feel HSBC that is mistreating me as punishment for calling out HSBCs serious patterns of abusive acts. Due to a series of unprofesional conduct and eggregious mistakes made by HSBC on my accountincluding the HSBC branch manager in XXXX XXXX, XXXX XXXX, lying to me when he sent an email on XX/XX/XXXX, confirming that HSBC did NOT process any overdraft protection or credit card on my accound. ( Exhibit A attached ) However, I would later discover a hard hit initiated by HSBC on my credit report. ( Exhibit B attached ). I have NEVER knowlingly consented or authorized HSBC to run ANY credit check soft or hard whatsoever on my account. I have also submitted a complaint to HSBCagain NO reply is the typical reply. This communication black out from HSBC -- among other mishandlings of my account by HSBC compelled me to withdraw my money and terminate HSBC immediately. Throughout Monday, XX/XX/XXXX, I spent at least FOUR hours contacting HSBC and speaking with different HSBC representative to schedule an appointment at a local branch to withdraw/close my account ( I have phone records ). Finally, at XXXXXXXX XXXX, XXXX XXXX XXXX, a manager at the XXXX XXXX branch informed me that she could not close my account because HSBCs back office has taken over my account. In a very dismissive tone, she said she could not do anything further. I asked her WHAT IS HAPPENING to my account??! XXXX XXXX said that the HSBC back office informed her they have already spoken to me last Thursday ( XX/XX/XXXX ) and Friday ( XX/XX/XXXX ) about this matter. Another lie from HSBC. For the record, NO ONE FROM HSBC HAS EVER CONTACTED ME AT ANYTIME last Thursday and/or Friday via email/phone in any manner. I asked to speak with the person who claimed they had contacted me but she declined. I became more distress at HSBCs unprofessional staff and more lies they were perpetrating. I had no option left and NO ONE at HSBC would help. At XXXX XXXX, I called the HSBC toll-free customer line. I spoke with operator XXXX. I told her what the XXXX XXXX informed me, but that NO ONE from HSBC has ever contacted me last Thursday or Friday. XXXX called the branch manager in XXXX XXXX while I remained on the phone. Then, XXXX suggested that I contact the executive office. However, I informed XXXX I have already the executive office numerous times last week. NO live person has ever answered the phone at HSBCs executive numbers here : ( XXXX ) XXXX and XXXX. Both numbers go to the SAME answering machine recording. I already left a message ; NEVER heard back. Since last week, I began contacting HSBC after receving a notice from HSBCs Vice President of Customer Relations, XXXX XXXX on XX/XX/XXXX, CFPB was also copied. She stated that HSBC would not assess any fees on my Certificate of Deposit ( CD ) account if I were to terminate early and I could close my account at a local branch. I called to set up a time terminate my account at the XXXX XXXX branch. Then, the typical HBSC dismissive reply and endless run-around happened, per above. I and my family have suffered enough of HSBCs abusive actions taken against me. HSBCs deceptive practice, the run-around they put me throught, HSBCs black out of any communication, their hostile withholding of my funds, the unauthorized hard hit HSBC made on my account, the stress and headaches HSBC have caused me and my family are just some the examples of how a powerful banking institution will punish anyone who complains about their abuses. This horrific nightmare with HSBC must end immediately. I want a clear answer from HSBC as to exactly WHEN/ WHERE/ HOW I CAN GET MY MONEY and CLOSE MY ACCOUNT IMMEDIATELY.
Company Response: Closed with explanation

Timely Response

2019-04-09

Henrico, VA

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-04-08

Rncho Domingz, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-04-08

NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I keep getting calls from different numbers claiming to be HSBC or Household representative bank and they are trying to collect a debt from a credit card they claim I " may have had '' prior to bankruptcy. I told them my bankruptcy was settled and paid and there were no outstanding debts, they insist I owe this and the bankruptcy only paid interest and not the principal. They keep saying the woman XXXX XXXX is my contact. She keeps claiming cops are coming to my place of work to arrest me, they've even called my husband. the most recent number is XXXX and they will NOT mail me anything that I ask for,
Company Response: Closed with explanation

Timely Response

2019-04-08

Brock, TX

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Company Response: Closed with explanation

Timely Response

2019-04-06

Cordova, TN

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: I have requested the HSBC to close my previous checking account ( ending XXXX ) on XX/XX/2017. I have chat records to prove it. So the company claim my account was closed on XX/XX/2017 was a lie.
Company Response: Closed with explanation

Timely Response

2019-04-05

Washington, DC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Yesterday, XX/XX/2019 - I received a call from XXXX - they left me a message identifying themselves as XXXX from the XXXX XXXX XXXX XXXX and she said I had to contact XXXX, and provide a case number XXXX, which I did. The lady who answered the phone presented herself as XXXX XXXX, from the XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX # XXXX, XXXX, CA ( I have searched on XXXX, and there are 58 records found for XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and none had the name of her Company, XXXX XXXX XXXX XXXX XXXX - and neither under her name ; but I found someone on that list named XXXX XXXX XXXX XXXX Age XXXX and I can't say that she is the same XXXX that left me the first message from XXXX, who reside in XXXX, CA ). Well, XXXX XXXX said that HSBC had sold them a bill under my name. I asked the name of the company I supposedly owed some money and she didn't provide that to me. She said a civil motion was placed under my name, XXXX XXXX XXXX, Social Security Number ( She spoke out my full Social Security Number over the phone ) of a bill in the amount of USD {$2900.00} that could be settle for USD {$820.00} over the phone or at the end of the call they would proceed to send my case to Court. I said the same rights you have out there to request this payment, I have in requesting more information about it. She said a letter was sent to me on XXXX ( While over the phone, I searched in my mailing box and there was nothing there and I let her know that I had just searched for it and didn't find any letter of the sort ). She said on XX/XX/2019 they had send an e-mail to me to XXXX an e-mail that I don't use any longer for more than 5 years. Then she said it was also sent to my e-mail, XXXX, I said that I never saw it before and I checked my e-mails everyday after working hours. I arrived in my office today, I searched my XXXX, and there was an e-mail. When I opened it, " There was simply a message from XXXX XXXX Authorization Request with an e-mail that I couldn't reply them back, XXXX, with a link that I should click, which I did : It was now asking me for my SS # last 4-digits so I placed it ( Since they already new my full Social Security number. On this page, one could read a full name of an web site : Patent ( s ) : XXXX XXXX XXXX ) and clicked enter. In the new Window one just see a note from the XXXX XXXX where one could read : XXXX XXXX XXXX XXXX By signing this form, I authorize XXXX XXXX, to debit my account once for the amount indicated as a one time and final payment. Amount : XXXX, I hereby authorize the above transaction ( s ) click to sign. HSBC CARD SERVICES, - XXXX XXXX XXXX, ID : XXXX. '' This is it : no name of the company that I would owe some money and number of the account or credit card number owed, nothing. But these people have my full name, my full Social Security Number, my full address, my previous e-mail address, my actual e-mail address, and now they have my new cellular number as I contacted them twice. I have reasons to believe this is a scam because I contacted the HSBC ( XXXX ), spoke with XXXX, and was transferred to the HSBC SOLD Department ( XXXX ), spoke with XXXX ( If I got her name right ) and she didn't have anything under my name or Social Security Number. I immediately requested a copy of my Credit Report from XXXX, XXXX, and XXXX and still am waiting for it to verify if there is anything in it related to HSBC or else in the amount they told me over the phone. What you would advise me to do next? Because today, after speaking with one of your representatives, I contacted that same toll-free number and requested from XXXX XXXX their physical address ( reason why you read above their address ) and I also requested their Professional License Number and she refused to provide me with that number. So she ended the call by saying they would proceed to bring me to Court and the call was over. What else can I do, please? Oh! The most curious thing happened : After I found the e-mails sad Company had sent me, I made a forward of it to myself and never received such message from myself to myself - and guess what? I went back to XX/XX/2019 and the message no longer was available to me neither in my XXXX Inbox nor in my Sent Messages. This is just insane!
Company Response: Closed with explanation

Timely Response

2019-04-05

Odell, OR

Fees or interest

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

Unexpected increase in interest rate
Complaint: Response to - XXXX1- HSBC responded with incorrect card member agreements. I saved all card member information received from HSBC. My information is different than what they provided. This is mentioned to highlight the pattern of mis-information being spewed out to customers by HSBC. If corporate relations employees can't get it right, how can telephone employees located across the world get it right? 2- They say they attempted to find phone records to back up my claim of the phone conversation I had with their reps. There were three phone calls made, the first being the call that I was told the purchases made during the intro period would remain interest free until paid off. I have two phone numbers, both registered with HSBC. however HSBC only mentions attempting to find one phone number. For clarification the phone number used for all three phone calls pertaining to this situation were made from XXXX. To re-cap - we have a complaint alleging incorrect information was given to a consumer ( me ). We have a response from HSBC supplying incorrect documentation and information. This pattern, again, supports my claim that I was given the information I'm saying I was given. Whether or not it is incorrect information should not matter. What should matter is I, the consumer, called for clarification of my card member agreement and I was given the incorrect information which led me to make a financial decision that instead of benefiting me the consumer, benefits HSBC. Had I been given the correct information I would have not used the HSBC card to make my purchase. **Portion of previous CFPB complaint*** I received a card with an into APR of 0 percent on purchases for the first 18 months. Nowhere in my card member agreement or paperwork received from HSBC did it state whether or not the intro APR would change on purchases made but not yet repaid by the intro APR expiration date. I have a XXXX XXXX card and, the purchases made are at the intro APR until they are paid off. So, I called HSBC and asked about how the intro APR worked. I took notes. I was told the intro APR expiration would not expire on purchases made within the intro period.
Company Response: Closed with explanation

Timely Response

2019-04-05

Santa Ysabel, CA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I applied for an HSBC Advance Checking account using this link ( https : //www.us.hsbc.com/checking-accounts/campaigns/offers/ ) back in XX/XX/2018 and deposited {$25000.00} to receive the {$350.00} welcome bonus. The terms for receiving the bonus were basically : 1. deposit {$10000.00} and 2. keep the {$10000.00} in the account for 90 days. Their terms also noted that it takes 8 weeks for the welcome bonus to be deposited. After approximately 5 months, which is more than 90 days plus 8 weeks, I still did not receive the bonus. When I contacted the bank about it, I discovered a false note had been placed on my account by a customer rep I had previously spoken to. This note claimed that I did not use a valid link to qualify for the promotion. I am confident that I had used the right link. It is extremely negligent of the bank to rely on these " notes '' where the agents can add whatever they want with zero oversight or fact-checking rather than just actually check the source link my application came through. ( I was also appalled that agents were given so much power in altering customers ' accounts without their consent or knowledge. Never mind that the call had been an extremely poor customer service experience where the agent refused listen to what I was saying and kept interrogating me and insisting that I must have used an invalid link -- I vaguely remember feeling very tired of arguing. The fact that agents can go in change things on customers ' accounts just to XXXX them over out of pure malice or personal vendetta is very, very concerning. The last rep I spoke to tried to claim that they don't have this power even though my trouble with getting the bonus proves my point. ) The only other potential issue that might have caused the bank to claim I didn't use the right link was that when I initially applied, my application was delayed because of verification purposes. At the time I had expressed concern to the phone rep I spoke to about the delay potentially affecting my eligibility for the bonus promo. I was reassured that it wouldn't as long as fulfilled the terms ( deposit {$10000.00} and keep it there for 90 days ). This alternate explanation for what happened does not put HSBC in positive light either. In this case, it seems like the bank purposely interrupts the application process and redirects or restarts them elsewhere in the system so that the source of the application no longer appears to be from the promo link. I find it disgusting that a bank would engage in such dirty, shameful tactics to scam customers and get out of paying bonuses that were written in the terms and conditions. I see that many other customers have experienced the exact same thing where HSBC claims that they did not use the correct promo link to get out of paying the bonuses. It seems to be standard practice for HSBC to make up this claim in order to avoid upholding their end of the contract. It makes me wonder what other false claims the bank or its customer service agents might make about my banking activity in the future in order to profit at my expense. Perhaps the {$10000.00} that mysteriously disappears from my account one day is apparently a totally " '' legitimate, verified '' '' transfer I " '' asked a rep to help me make '' '' according to some " '' note '' '' an agent put on my account. Based on my personal experience, HSBC is at best extremely negligent by allowing their customer service agents to make whatever changes they want to customer accounts without any oversight and follow-up confirmation OR they are extremely dishonest and predatory by purposely disrupting and redirecting/restarting applications so they can cut off the applications ' original connection to the promo link and disqualify customers from receiving the welcome bonuses. The last I heard from them is that an investigation has been raised and that this will be resolved within 2-3 business days. That has passed as well. Maybe HSBC coincidentally hires agents who tend to go rogue by altering customer accounts on whim, ignore customers, and/or lie to customers. But reading other reports to the CFPB gives me the sense that this is their standard protocol and perhaps they actively train their agents to carry out these acts so they they can take advantage of customers and get out of paying the welcome bonus. This was my first time banking with HSBC, which I thought was a reliable, trustworthy institution given its global presence. Turns out they're a bank that is prone to lying to customers and altering customer accounts with zero transparency and consent. Really regretting taking the leap of faith in thinking they were a bank with any integrity. Turns out they and their customer service agents have none.
Company Response: Closed with explanation

Timely Response

2019-04-03

Gamaliel, KY

Closing on a mortgage

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

Company Response: Closed with explanation

Timely Response

2019-04-03

La Habra, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-03

Managing an account

Checking or savings account: Savings account

Problem making or receiving payments
Company Response: Closed with monetary relief

Timely Response

2019-04-03

Murray, UT

Other features, terms, or problems

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

Problem with customer service
Complaint: SinceXX/XX/2018I have been attempting to gain online access to my HSBCcredit card account, a service that HSBC purports to provide all of its credit account owners. Each time, I am told that a ticket is opened and being escalated to IT and that I should receive a follow up call the following day. The return call never comes and when I call back to follow up I have to start all over as if a ticket was never opened with IT to begin with. This exact situation has occurred at least 3 times since XXXX with no resolution to date. I believe that HSBC is acting unfairly towards me as they are not granting me the same access to my account as other customers. Because I am unable to access my account online I must do all transactions over the phone and there are some such as setting up autopay which can only be done online or via regular mail. Furthermore HSBC continues to provide misinformation to me each time they claim to have opened an IT ticket to resolve the issue. I have tried in earnest to resolve this issue directly with HSBC to no avail for nearly 6 months which leaves me no choice but to escalate my complaints to the Consumer Financial Protection Bureau.
Company Response: Closed with explanation

Timely Response

2019-04-02

Louisville, KY

Money was not available when promised

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: On XX/XX/XXXX, I opened an online checking account with HSBC ( {$350.00} sign up bonus ). On XX/XX/XXXX, I attempted to mobile deposit check # XXXX for {$5000.00} into my HSBC account. The money was debited from my XXXX account on XX/XX/XXXX. On XX/XX/XXXX, I attempted to mobile deposit check # XXXX for {$5000.00} into my HSBC account. The money was debited from my XXXX account on XX/XX/XXXX. On XX/XX/XXXX, I noticed that both checks were debited from my XXXX XXXX account but when I attempted to log in into my HSBC account through my HSBC application ( which I used to mobile deposit both checks ), I received the following error " The account or accounts do not exist in your internet banking provile. Please contact us at XXXX for further assistance. Ref. [ PC8 ] ''. Please note that the phone number provided is for their XXXX customer service, which I did not know until later ( please see below ). On XX/XX/XXXX at XXXX XXXX, I reached out to HSBC at XXXX to understand what could have happened to my account. I was on the phone for 17 minutes and 20 seconds. The lady on the phone explained that this account was closed due to suspicious activity and that the checks were rejected on XX/XX/XXXX and XXXX and would be back into my XXXX XXXX account within 7 business days.On XX/XX/XXXX ( I decided to wait a little longer due to the holidays, to make sure I would have waited long enough ), I reached out to XXXX XXXX as the funds were still not credited into my XXXX XXXX account. When I asked what other steps I could take to find my money, the lady stated the only thing she could do to help me was to give me an image of the checks. I informed her that I had access to this but was at loss and was not sure what to do next. She said that could not help me further since the checks were both paid to HSBC, and that HSBC would be responsible for the funds. The same day, I tried to call HSBC but they were closed for the holiday. On XX/XX/XXXX, I reached out to HSBC at XXXX which was the phone number provided on my XXXXSBC mobile application, thinking it might redirect me to a specific department, more knowledgeable about my situation. I was on the phone for 50 minutes when the lady realized that I was a US customer and did not have a XXXX account. I was then transferred to the US phone number, spent 10 minutes on the phone with a really helpful lady who was willing to do a conference call with XXXX XXXX. In the process of setting up the conference call, the lady inadvertently hung up on me.I called HSBC again ( at the US customer service number XXXX ), spoke the a gentleman who transferred me to the ACH department who then let me know that this was the wrong department to talk to as my issue was about checks. The lady from the ACH department transferred me to the general customer service, once again. After waiting for about 30 minutes, I got a hold of someone and I explained my situation, for the third time to a lady. She explained that Check # XXXX was never accepted as it was " reported '' as suspicious funds ( which I assumed she meant by XXXX XXXX ), therefore, they automatically rejected check # XXXX for " not sufficient funds ''. We decided to do a conference call with XXXX XXXX. After a total of two hours of being on the phone, one hour being on the conference call, HSBC stated they could not write a letter stating what happened as my account was closed. XXXX XXXX sent me an Affidavit of Forgery, Unauthorized draft or Altered item in order to have a dispute started. XXXX XXXX claims both claims were deposited at " HSBC 1 '' and " HSBC 2 '' while HSBC claims they never accepted the checks and rejected the money. They also closed my account on XX/XX/XXXX but I received this letter at a later date. On the statement provided, we can see that no money was deposited from XX/XX/XXXX and XX/XX/XXXX. There are trial credits by XXXX XXXX that are showing since I initially tried to transfer the money electronically to HSBC when I opened this account but it appears the funds were rejected ( Even though the account was confirmed with those trial deposits ). XXXX XXXX said that the dispute would take 90 to 120 days. On XX/XX/XXXX, XXXX XXXX advised to reach out to HSBC to give them the information regarding my missing deposit, which I did on XX/XX/XXXX. HSBC stated that since the dispute was already placed, I would have to keep track of the dispute through XXXX XXXX and HSBC would be reaching out to them. On XX/XX/XXXX, XXXX XXXX stated that they sent a " Without entry Claim '' to HSBC and that the time frame would be 30-90 days. On XX/XX/XXXX, XXXX XXXX let me know that they had reached out to HSBC on XX/XX/XXXX and that HSBC informed them that they were still researching the request. I questioned what would happen after the 90 days mark, to which XXXX XXXX responded by stating that it would take up to 120 days. They asked me if I was able to take copies of the cleared checks to HSBC which I can't, because the closest branch is hundreds of miles away. As of XX/XX/XXXX, I am still waiting to hear back from HSBC.
Company Response: Closed with explanation

Timely Response

2019-04-02

Gaithersburg, MD

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-04-01

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-04-01

Maynard, MA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-01

Austin, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-01

Hon, HI

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Hello, I have followed and HSBC advertisement link on their website and opened a new checking account in XX/XX/XXXX. The advertisement said ; deposit $ XXXX and receive {$350.00} bonus after 90-day I have deposited $ XXXX on XX/XX/XXXX and still haven`t received the {$350.00} bonus. Called customer service 3x and chatted on their website 2x and they gave me a case id XXXX on XX/XX/XXXX They said they would call back which they did not. Thanks,
Company Response: Closed with explanation

Timely Response

2019-04-01

Algonquin, IL

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2019-04-01

ME

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: YOUR COMPLAINT On XX/XX/XXXX @ XXXX hrs I received a phone call from a XXXX number. The message left on my voicemail was an urgent message for******* ( yes they pronounced my name wrong ) formerly known as ********. Need to resolve a matter resulting in a judgement of my current property at my current address. or they'll call my place employment to resolve issue. I haven't worked for any employer for 3 years, i was medically XXXX and given XXXX. They then gave me an XXXX with a reference number of XXXX. So I called back @ XXXX hrs and during this XXXX minute XXXX second conversation i was harassed, my XXXX made fun of and was demanded to answer questions or id be sued in court. Then hung up on. All the information i got was the company was a XXXX XXXX? I asked what that was and I was taunted with " you are totally in the dark about this whole situation? '' Let me put you on hold. XXXX minutes later I was asked again if i knew what this was about. I said, i have no idea. Then he proceeded to verify some of my information. I refused to give my ssn because I wasn't getting enough information back making this a legitimate business office. About XXXX more minutes into conversation he still wouldn't tell me who he was but only said that XXXX XXXX services was a legal company looking to obtain payment of a debt. The last few minutes of conversation on his part got heated, still being confused about a credit card through XXXX XXXX that was dismissed 10 years ago through bankruptcy. His demeanor was consistently hostile. I stopped him and said my XXXX wouldn't allow the conversation to continue, he then proceeded to say i was too young to have XXXX and not being able to work. I then stated i had XXXX really bad and wont answer anymore questions until he's more pleasant. He then said XXXX has nothing to do with answering his questions. I then stated it has everything to do with the way you're talking to me. In fact, he said by you not answering my simple questions you are denying to make payments and ill note that on file. He also stated that he'll put a lein on my home that i own at the address on file. I said, what home? I don't own a house? He said, " you don't own a house with your husband? And he began to say my fathers name, i guess thinking he was my husband under my maiden name. I said no, thats my fathers name and he owns that house. He then in return said that, ok, well we'll put a lein on any future inheritance of property. I stopped him and said, listen to me, im not getting an inheritance and you are making stuff up. He then angrily said i was refusing to answer his SIMPLE questions that even someone with XXXX could answer and if i can't pay then he needed my husbands information or that other family members can pay my debt. I said you are getting rediculous here. I then said listen to what im telling you, he then proceeded to interrupt me angrily and said you are refusing to pay and we're going to put on record your blatantly disregarding and refusing to pay. He said we're going to sue you and good luck with that in court and he just hung up and ended the call at approximately XXXX hrs. For XXXX, none of the information he was giving me was correct, so if he was going to sue me the judge wouldn't waste his time with it. He was harassing and he made fun of my XXXX. When he was wrong about information he threatened on numerous occasions to call my employer to verify employment ( in which i haven't worked in 3 years ), put a lein on my parents home and sue me for non payment. I hope they record all their conversations cause they're not supposed to hang up on you. He never gave me a chance to talk. I was stuttering so bad with him because of my XXXX when he became threatening in the conversation. I advised him i had a mental XXXX and couldn't comprehend simple instructions or questions in a timely manner. He didn't care, just said i was too young to be XXXX. Im assuming there is a law protecting Americans with XXXX from threatening conversations from debt collectors. A month prior I did receive a letter stating that the debt is too old to sue me and sent me a payoff bill and if i chose to make a payment then it could be reported to credit bureaus and i could be sued for non payment. For one, the credit card was XXXX 10 years ago through bankruptcy so i ignored it because that debt was cleared. I tried to explain that to this disgruntled employee who likes mistreating people with XXXX and makes threats over the phone but he didn't want to here what i had to say. Companies and their employees like these need to be held accountable for their actions for being verbally abusive and belittling people. He said what he said because he wasnt being recorded nor did he think i would pursue his actions for accountability to his threats
Company Response: Closed with explanation

Timely Response

2019-03-31

WA

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
Complaint: HSBC USA Fraud Department denied my fraud claim without producing any evidence. I Traveled to XXXX XXXX from XX/XX/XXXX to XX/XX/2019. I lost my wallet and my HSBC credit card ending in XXXX ; the card was NOT in my possession when it was used fraudulently on XX/XX/XXXX. I don't know who used it. It was used on XX/XX/2019 at XXXX de XXXX XXXX XXXX ; The total fraudulent transaction amount was {$2700.00} I contacted HSBC Fraud Security Center immediately after I realized I had lost it. I waited for the investigation and on XX/XX/XXXX I received a letter from HSBC stating that the claim was denied. I contact the security center to receive an explanation of the investigation and proof of the purchase, and they were very secretive. I finally ask to speak with the investigator her name is XXXX XXXX. She wasn't available, requested to have her call me back, never received a call. After multiple times calling and calling to get the documentation involved in this transaction and the investigation paperwork. I was told that they had not received the credit card receipt that they had requested multiple times and that the company where the credit card was used at hadn't send the receipt yet. Then I asked why they are making me liable of charge that is fraudulent? the answer was because they feel the transaction wasn't fraud. I asked how they know I'm not telling the truth with no evidence backing that decision. They are avoiding to give answers and produce conclusive evidence of the investigation. I call and call and XXXX is never available. I really need help. I was hesitant to use HSBC as my primary bank and now I feel I was right. They are discriminating me and I feel without evidence accusing me of using the card for my benefit. I need help with this company. I'm accused and liable of a credit card charge I didn't commit. Attached is he police report. Thanks
Company Response: Closed with explanation

Timely Response

2019-03-31

Watkins, CO

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to sue you for very old debt
Complaint: In XXXX and XXXX I was at XXXX XXXX XXXX trying to the knowledge I needed to be a successful XXXX XXXX and because of the school regulations after my class was over I met after school to meet an instructor at his shop to help with homework and to help me understand how a business works at XXXX I was not an employee however a creditor started making calls there and I didnt appreciate being bothered while I was trying to learn. I went on from XXXX to go to XXXX XXXX after this creditor messed up my relationship I had with the instructor at XXXX .. Im still very XXXX this even happened and I lost XXXX dollars because I failed that semester and creditor took school funds. I told this creditor I was in school and it was on a legal document in XXXX XXXX however I was completely ignored While attending XXXX XXXX I was offered a chance to attend training and schooling at a body shop all was through XXXX XXXX in XXXX and it was not a job. In XXXX XXXX and XXXX started garnishments on student funds took XXXX creating problems with my tools then continued to take XXXX a week till XX/XX/XXXX when I was placed on medical leave Im furious that I was bothered while trying to pass a very hard course. Thanks to XXXX and XXXX my position was given to someone else and I lost the tools that where given to me XXXX from XXXX tools. My tools are now being repoed Im 13 weeks behind. So I spent 30 years trying to build a career only for XXXX up creditors to destroy everything I worked hard for. I filed many complaints on here and other agencies and was told that I was sent documents to exempt this yet no papers ever showed up at my address. I was completely taken advantage of if I knew everything about law I wouldnt be having to pay for an attorney constantly. Your a complete disgrace and hope your happy with completely destroying my life all over a debt I doubt I owed. I just had to freeze my credit do to fraud and identity theft
Company Response: Closed with explanation

Timely Response