HSBC NORTH AMERICA HOLDINGS INC
Consumer Complaints
There are over 9237 complaints on file for HSBC NORTH AMERICA HOLDINGS INC. Dated between 2019-12-16 and 2011-12-01.
Complaints Page 43
2018-09-25
Arco, CA
Closing an account
Checking or savings account: Checking account
Company closed your account
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 HSBC Bank USA, N.A Dear HSBC Bank, Basic Checking Account # XXXX HSBC PlatinUM Rewords Card XXXX Select Credit Account # XXXX I opened basic checking account on XXXX XXXX with proper documents and XXXX applied Credit card and XXXX Select credit account. ( Approval letters attached ) I spoke with XXXX XXXX Fraud Security Centre Today Your bank recommended to closer my account due to security concern.
I am so disappointed provide me hard time opening and closing accounts. I felt this is discrimination.
Please provide me all details why my account closing even I provided proper documents And also Please removed following my credit inquires on my credit profile at XXXX XXXX XXXX and XXXX XXXX - Removed my accounts all 3 credit be agencies.
- Refund my checking account balance Thank You ..
XXXX XXXX XXXX
Company Response: Closed with explanation
2018-09-24
Augusta, WI
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2018-09-24
Marina Del Rey, CA
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Closed with explanation
2018-09-24
Church Street, NY
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Company Response: Closed with explanation
2018-09-23
Dayt Bch Sh, FL
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: This complaint concerns HSBC.
A promotional offer by HSBC was made inXX/XX/2018, Open an HSBC Premier Checking account and deposit {$100000.00}, within a 30 day period of opening the account and leave the {$100000.00}, in that account for a period of 90 days and then HSBC would pay a {$750.00}, bonus within a 8 week period.
I opened a Premier Checking Account on XX/XX/2018, with a small deposit of {$10.00}, on XX/XX/2018, I deposited an additional {$100000.00}, in this account and the amount of {$100000.00}, plus a small amount of interest remained in this account until XX/XX/2018, when I withdrew {$100000.00}, well beyond the required 90 day period to qualify to receive the {$750.00} bonus, as of today, that is well beyond the 8 week period of time that HSBC said that the {$750.00}, bonus would be paid to me, I have not received the {$750.00}, bonus and I have invested more than 8 hours of my time on the HSBC chat room, emailing to my HSBC personal banker, and telephone conversations trying to resolve this matter, all I have been offered by HSBC is excuses and emails that said I did qualify for the {$750.00} bonus but they have only offered the excuses of it's a computer systems problem, to they don't know why and that the {$750.00} bonus would be deposited in my account no later than XX/XX/2018, as I said I have not received the {$750.00} bonus as of today, I have all of the direct emails, and the emails from the HSBC chat room are in my posession, the recorded telephone conversations with HSBC are stored on the HSBC recorded telephone conversation system database, I am willing to give these to any person that is qualified and authorised to see or hear them, and I have all of the names of all of the HSBC employees that I have been in communication with in an attempt to resolve this matter, I was contacted 12 days ago by a senior HSBC employee, XXXX XXXX, by email and she offered to discuss the situation with me if I desired that, I have contacted her numerous times by telephone and email and left voicemails and emails to talk to her but she has never contacted me back at all, other than the 1 email she sent to me 12 days ago, I went through a lot of aggravation and effort to scrape together the {$100000.00} so that I would be able to obtain the {$750.00} bonus offer and the people I received this money from have lost faith in me.
Company Response: Closed with explanation
2018-09-21
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: This complaint is to request the reimbursement of {$160.00} dollars, fraudulently charged on XX/XX/2018 to my HSBC XXXX XXXX XXXX XXXX Master Card No. XXXX at the VIP lounge located at terminal E in the XXXX airport ( XXXX XXXX XXXX ) Here is what happened ; On XX/XX/2018 I was flying with my son from XXXX to XXXX. While walking through the terminal E at the XXXX airport, I saw the Master Card logo at the VIP lounge, and decided to go and ask if I was eligible to access the lounge for FREE using my HSBC XXXX XXXX XXXX XXXX Master Card. The lady at the front desk asked me for credit card to check if I was eligible to access the lounge for FREE. In less than 10 seconds she confirmed that we were allowed to access for FREE and without providing me any voucher or receipt ticket she welcomed us ( my son and I ) to the lounge. We stayed at the Lounge for less than 15 minutes, since our flight was on time. Please note that my credit card requires an electronic signature ( PIN ) to process any payment, but in this case, I did not signed anything ( either on paper or electronic ) that is why I suspect this is a fraud. In XX/XX/XXXX when I received my Credit Card statement I noticed a {$160.00} charge by XXXX XXXX XXXX even though I was told it was for FREE and without me signing anything ( either on paper or electronic ) ; therefore I please request the {$160.00} dollars reimbursement. Please note that I have requested the reimbursement several times to HSBC Bank, and to XXXX XXXX XXXX without success.
Company Response: Closed with explanation
2018-09-21
Alexandria, VA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: On XX/XX/2018, I applied on line for an HSBC credit card HSBC Cash Rewards Mastercard credit card. On XX/XX/XXXX, I wanted to cancel, and got into an online chat at https : //www.us.hsbc.comXXXX and they assured me that my credit card application has been closed or abandoned and that no derogatory credit mark has been placed on my credit history because there was a problem verifying my identity. Today XX/XX/XXXX, to my horror, I was informed that my credit report had a derogatory credit inquiry. I started another chat on line, and they told me that they can not remove my credit inquiry and that my credit card application has been denied. Since I wanted to cancel my application yesterday, and since they told me it was unnecessary for me to do so because my application has been canceled because of an identity verification problem, I feel I have been unfairly damaged by HSBC. Moreover, throughout this entire process, I was never notified by email verifying that I filed an application for a credit card, and thus had no way to contact them or address this issue. You need to subpoena the chat logs from XX/XX/XXXX saying that my credit card application has been canceled and that I need not worry as no credit inquiry has or will be made!
Company Response: Closed with explanation
2018-09-21
IL
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Complaint: Started receiving several calls a day from several different telephones numbers leaving a call back number. In just a two day period I received a call from XXXX on XX/XX/XXXX at XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called the number back at XXXX XXXX and spoke with XXXX XXXX, ( spelling? ) who is with XXXX XXXX XXXX XXXX XXXX. He said he represents HSBC. I said I was trying to return a call to XXXX XXXX XXXX who had left several disturbing messages about taking legal action against me. He said that they worked or contracted for him. XXXX said that he represented HSBC and that I had a credit card with HSBC and was trying to collect a balance due. I told him that I did not recall having a credit card with HSBC and would like to have a number or address with HSBC so I could get something in writing from HSBC. He said HSBC no longer had any information because they closed my account in XX/XX/XXXX and the last payment I made was in XX/XX/XXXX. I also received a phone call from XXXX in regards to HSBC that stated I had 2 accounts with HSBC and that it was now a " felony '' because the balance was over a {$1000.00} but they could drop one of the balances and could change the other to {$300.00}. They sent an email but I only had an hour to make a decision once it was received and opened to respond. I kept telling them I wanted a letter. XXXX said they didnt send letters because they could be altered. The managers name there is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX.
I received a letter from XXXX XXXX XXXX XXXX XX/XX/XXXX stating current balance {$710.00} with a approved offer of amount dut {$520.00} with a due date of XX/XX/XXXX but I didn't receive the letter until XX/XX/XXXX. I have not made any further contact with either. I do believe there should be statute of limitations and I feel should be able to get a copy of the original contract with HSBC. But as stated above XXXX told me there was no longer any paper work since HSBC has closed the account.
Company Response: Closed with explanation
2018-09-21
Maiden Rock, WI
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2018-09-21
Greenwood, CA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: Last week I tried to apply for HSBC credit card and got denied because they can not verify my identity. I submitted all the information requested to no prevail.
Company Response: Closed with explanation
2018-09-20
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Closed with explanation
2018-09-20
Salem, MA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2018-09-20
Ny City, NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I was a victim of identity theft in 2017. the debt was cleaned from my record. But, yet a debt collector is trying to get money from me. I am not paying for this debt. It is not mine and it has been removed from my credit report. They are still trying to get money from me despite the debt not being mine.
Company Response: Closed with explanation
2018-09-20
Dickson City, PA
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2018-09-20
Tampa, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-09-20
Bellaire, TX
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Complaint: I received a call today, XX/XX/XXXX, stating that I owed {$1200.00} to XXXX XXXX XXXX from XX/XX/XXXX. My wife and I were both on the call. The lady on the phone, XXXX XXXX, claimed that we were on a recorded line and went on to state that I had two allegations against me and a complaint has been filed. She mentioned she worked for XXXX XXXX XXXX XXXX and that she was a mediator for XXXX XXXX, the attorney for XXXX XXXX XXXX. XXXX XXXX threatened that I would be served at my home or work. She had information like the last four digits of my social, my mothers name, the current company I work for and an old street name I used to live on. None of the dates coincide with what she was saying. She also mentioned someone by the name of XXXX XXXX, but when asked for clarification on who that was, she denied stating that name. When I asked for a recording of the call, she started getting upset and stated that the recording would be used against us in a court of law during the discovery period. She also mentioned that they had tried several attempts to get a hold of me and the company decided not to put this on my credit report, rather try and collect it from me through mediation and court.
While doing some research on XXXX XXXX, I came across this website also describing the exact call I received. XXXX XXXX XXXX While doing some research on XXXX XXXX , I came across this website also describing the exact call I received : XXXX XXXX XXXX The number they used to call from was a landline in XXXX, Texas. XXXX-XXXX-XXXX.
Company Response: Closed with explanation
2018-09-20
Brooklyn, NY
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Closed with explanation
2018-09-20
Bloomfield, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-09-20
Hollywood, FL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Company Response: Closed with explanation
2018-09-20
Albuquerque, NM
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Complaint: This complaint is based on HSBC Bank USA, N.A. refusal to award a {$200.00} incentive bonus for a new checking account applied to on XX/XX/XXXX and funded XX/XX/XXXX. Terms state {$1500.00} in new funds must be kept in account for 3 months and processing of promotion takes 8 weeks. Secure chat, secure messaging, and phone calls to customer support centers ( including unanswered messages to customer retention department ) have been made regarding the missing {$200.00}. All phone calls and secure messaging responses from HSBC Bank USA, N.A. have been recorded. The offer page was saved as a PDF before the application was submitted in XX/XX/XXXX. HSBC Bank USA, N.A. is refusing to honor the terms and conditions of a checking account campaign widely disseminated across the United States. HSBC Bank USA, N.A. refuses to accept evidence proving eligibility of the promotion. HSBC Bank USA, N.A. is stating the offer is invalidated because of a credit card that was opened in XX/XX/XXXX. This is not stated in the terms and condition, which explicitly define New Consumer Deposit Offers as checking accounts. HSBC Bank USA, N.A. is refusing to furnish terms stating ineligibility of the promotion due to a previous banking relationship in the past year. No consumer deposit account has ever been opened besides the choice checking account on XX/XX/XXXX. Below is the entire complaint that includes secure messages from HSBC Bank USA, N.A., web history screenshots, and account terms from https : //www.us.hsbc.com.
This complaint is based on HSBC Bank USA, N.A., hereafter HSBC, refusal to award a {$200.00} incentive bonus for a new checking account, which was applied to on XX/XX/XXXX and funded XX/XX/XXXX.
Summary of terms saved on day of account application, XX/XX/XXXX : Open your new HSBC Choice Checking account online by XX/XX/XXXX ; and Deposit a minimum Qualifying Balance of {$1500.00} or more in New Money in combined checking and savings accounts within 30 calendar days of account opening ; and Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance.
You will automatically receive the {$200.00} Welcome Deposit in your new HSBC Choice Checking account approximately eight weeks after completing all qualifying activities. It's that simple.
Two transactions were made to the checking account : {$1500.00} was deposited XX/XX/XXXX and {$100.00} was deposited XX/XX/XXXX. All calls to HSBC were recorded and I would be happy to provide a link if necessary to corroborate what is written below. Secure message replies from HSBC sent through secure chat are copied below.
A chat was initiated on XX/XX/XXXX inquiring about the bonus. The response is displayed below : XX/XX/XXXX Dear REDACTED : We are writing you in regard to the conversation you had with us via Live Chat.
Upon review, we show that you did not qualify for the promotion when opening your account. The reason for this, was due to the account not being opened through the promotional page. If you have proof that you followed the account opening process correctly for the promotion, please either utilize our Live Chat feature or call our Premier Customer Service line at XXXX ( toll free at XXXX ) to provide this proof.
If you have any further questions or concerns, please don't hesitate to contact us either via BankMail or Live Chat.
For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XX/XX/XXXX. All Rights Reserved.
I called the number listed in the secure message from HSBC and told the representative I had proof in my search results of clicking the offer link in addition to a saved PDF of the offer page from XX/XX/XXXX. I was told there was no mechanism for me to submit this proof. I then initiated a secure chat was was told the same thing. Finally, I sent a reply to the secure message above stating I had the evidence requested, but no HSBC agent had the means to accept it. Each time after contacting customer support I was told to wait 5-7 business days for the marketing and promotions team to respond since this was not a customer facing team.
The response from HSBC is below : XX/XX/XXXX Dear REDACTED : Thank you for contacting HSBC Bank USA, N.A.
We understand your concern with regards to the promotional bonus offer for {$200.00} Please be informed that my colleague has forwarded the concern to the online team please allow 2-3 business days to investigate on this.
However the offer link has to be from HSBC link.
We apologize for the inconvenience this may have caused.
If you have any further questions or concerns, please do not hesitate to contact us by calling XXXX, initiating a Live Chat on us.hsbc.com or by replying to this BankMail.
For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XX/XX/XXXX. All Rights Reserved.
Ten days later, on XX/XX/XXXX I received a reply from secure messaging stating a new reason why HSBC was refusing to award the promotion -- a credit card application that was approved XX/XX/XXXX. I responded to the secure message quoting the terms below, which do not include opening a line of credit as an exclusion to the checking account offer : Customers who held an HSBC consumer deposit or investment account from XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. All qualifying activities must be completed within the stated time frames in order to be eligible for the Welcome Deposit ... Eligible customers who take advantage of this offer can not receive any other New Consumer Deposit Offers provided by HSBC Bank USA, N.A. New Consumer Deposit Offers are defined as incentives in a form of merchandise and/or cash bonus that are offered to customers who open an eligible checking account and satisfy qualifying activities.
After no response through secure messaging I called the premier call center and asked to speak to a supervisor. Both I and the supervisor agreed that per the terms new consumer deposit offers clearly refer to checking accounts and not lines of credit. She made a new inquiry to the marketing and promotions department asking for clarification on what account was previously opened in the past year. She then said if the only previous account was a credit card I could expect to receive the {$200.00} bonus. The response via secure messaging was received XX/XX/XXXX : XX/XX/XXXX Dear REDACTED : Thank you for contacting HSBC Bank USA, N.A We thank you for your follow-up BankMail with regards to the account opening promotional bonus.
We regret to inform you that the account did not qualify for the promotional bonus as you had previous relationship in the last 1 year of campaign start date.
We regret for any inconvenience this may cause.
If you have any further questions or concerns, please do not hesitate to contact us. Alternatively, you may contact our Customer Relationship Center at XXXX for further assistance.
Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XX/XX/XXXX. All Rights Reserved.
After replying again and stating the terms do not define a line of credit as a new consumer account I received a response XX/XX/XXXX.
Note the link to the offer page in the reply from HSBC is for the advance checking instead of the choice checking : XX/XX/XXXX Dear REDACTED : Thank you for contacting HSBC Bank USA, N.A We thank you for your follow-up BankMail with regards to the account opening promotional bonus.
In order to get the bonus you have to be new to bank customer Upon review, we notice that your account did not qualify for the promotional bonus as you had previous relationship in the last 1 year of campaign start date. In order to know more details Please click on the below link.
https : //www.us.hsbc.comXXXX # advance-checking-details We appreciate you giving us the opportunity to service your account via this mode of communication. We encourage you to continue to use this service for your banking related inquiries.
If you have any further questions please do not hesitate to contact us by initiating a chat with us. Live Chat agents available 24 hours a day, 7 days a week to help with many of your banking needs. Log on to Personal Internet Banking and click the Live Chat button found on the right side of the screen to start chatting. or by replying to this Bank Mail. For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com alternatively you may also call our customer care at XXXX - XXXX Monday - Sunday XXXXXXXX XXXX - XXXXXXXX XXXX EST.
Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XX/XX/XXXX. All Rights Reserved.
New message from XX/XX/XXXX : XX/XX/XXXX Dear REDACTED : Thank you for contacting HSBC Bank USA, N.A.
We understand your concern with regards to the promotional bonus offer for {$200.00} Please be informed as per the investigation done by our Marketing and Campaign Team, your account is not qualified for the promotional offer.
As there was a past relationship with HSBC in last 1 year of campaign start date. However, please be informed we have forwarded your request again to the Campaign Team based on your BankMail to reconsider and consider your account.
Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XX/XX/XXXX. All Rights Reserved.
New message from XX/XX/XXXX : XX/XX/XXXX Dear REDACTED : Greetings from HSBC USA N.A.!
Hope this BankMail finds you well.
We are writing this BankMail with regards to the welcome bonus inquiry you had.
As we mention in our earlier correspondence BankMail, we regert to inform you after our Marketing and Campaign Team has reviewed your account, it has been concluded that you do not qualify for the offer as we notice that your account did not qualify for the promotional bonus as you had previous relationship in the last 1 year of campaign start date.
We regert any inconvinience this may have caused. However, as per the promotion offer of your account opening, customer who held any HSBC consumer account are not eligible for the offer.
Please be informed, we have log a complain number XXXX on your behalf so that our Management Team can review it.
We sincerely apologize for any inconvinience this may have caused.
Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XX/XX/XXXX. All Rights Reserved.
Company Response: Closed with explanation
2018-09-19
Tarzana, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was already discharged in bankruptcy and is no longer owed
Complaint: This all started in XX/XX/XXXX. I had a XXXX XXXX credit card that was financially backed by HSBC. I could no longer pay due to unemployment and it went to bad debt. Eventually HSBC discharged the debt ( was written off ) and the account was closed.
On XX/XX/XXXX I was notified by my bank, XXXX, that somehow the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had acquired my credit card account information and was requesting any payment information. Is that legitimate? I mean how did he get my credit card account number?
Does this go beyond the statute of limitations?
I was never sent a notice through mail of this subpoena.
Company Response: Closed with explanation
2018-09-19
Ft Lauderdale, FL
Lost or stolen check
Money transfer, virtual currency, or money service: Traveler's check or cashier's check
Complaint: Re : XXXX v HSBC Bank Case # XXXX Presiding : Judge XXXX This dispute comes from failure to to pay out proceeds from a class action and Iam requesting your assistance in recovering proceeds that was never received from the administrators of this class action which was ordered by Judge XXXX in XX/XX/XXXX.
After hurricanes Wilma and Katrina the roof of our Florida home was damaged. We attempted to claim via our insurance to replace our roof and complete interior repairs from water damage.
Unfortunately, we lost our insurance held with XXXX and were issued a forced insurance plan by HSBC Bank which made the repayment of our mortgage impossible to maintain.
On XX/XX/XXXX we were issued with a Writ of Possession and lost our home to foreclosure in XX/XX/XXXX.
I became a party to the XXXX v HSBC class action claim and in XX/XX/XXXX the defendant was ordered to pay us an award of {$7600.00}.
I never received the award and it has been impossible to communicate with the any one with the the contact numbers given. We were constantly advised it would be sent to us by mail. My partner suffered a XXXX in XX/XX/XXXX and circumstances took us away from this issue. In XX/XX/XXXX I attempted on numerous occasions to contact the numbers we had been given for the administrators of the fund but only received a voice message in return.
On XX/XX/XXXX I received in our mail box an envelope containing a check ; it was the check I had been promised back in XX/XX/XXXX. We were over the moon as situations were not so good financially since my partners XXXX. I persented the check to my bank who pointed out that the check was void. But how can this be we asked, the check although was written for XX/XX/XXXX did not arrive to us until XX/XX/XXXX my bank although sympathetic could not move forward with the deposit.
In XX/XX/XXXX I contacted the USA claims administrator number which were listed as c/o XXXX XXXX XXXX XXXX and received a voice mail. I contacted the courts by sending a letter to XXXX XXXX to get advice as to who to contact regarding the check because thus far no one could help. I contacted one of the law firms working on behalf of the defendant and they gave me the name of the law firm who where handling the administration for the Plaintiffs. Unfortunately they could not help but explained to us that the proceeds of our claim were in the hands of XXXX XXXX XXXX who are the defendants bank and is lodged as unclaimed. I tried on numerous occasions to track down the person or department handling such matters but got no recourse.
I am so upset that HSBC Bank and XXXX XXXX XXXX has not re issued my check. It has been of no fault of my own that the check was received late and it is now void but how can this bank hold our money and refuse to reissue us a check. XXXX XXXX XXXX did not earn this money and HSBC Bank have been ordered to pay me out of the class action case that we won. We lost our home and every cent that we invested into it and we believe that the heart and ill health and pain suffered we deserves every cent that we are owed. We have down sized our home as we enter retirement and pray you may be able to help.
I am asking if there is any assistance you could give to force XXXX XXXX XXXXXXXX to honor the pay out of our claim due to the unfortunate chain of event. I am prepare to take legal counsel for this claim to be re opened in the XXXX, Florida civil court.
Company Response: Closed with explanation
2018-09-19
Santa Monica, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-09-18
Phoenix, AZ
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: I opened up a checking account on XX/XX/XXXX with HSBC bank because they promised a {$200.00} bonus. They never paid this bonus out despite repeatedly telling me it would be a matter of weeks or months. As you can see from the attached screen shots of the current same promotion they're still offering, the {$200.00} bonus should have been in my account by XX/XX/XXXX because of the 8 week time frame they give. They kept moving back the date that the funds would be available. After the 2nd time of telling me the funds would be available at a later date, I demanded they fix this issue and deposit the funds by the end of the business day. They gave me continued run around about how this department couldn't do this or that, and that they would have some people investigate the issue. I refused to buy any more of their XXXX ( lies ), so I told them to transfer all of my money in the savings account to my other much better bank. They said the transfer would happen within 3-4 business days on Saturday XX/XX/XXXX, and I still don't have the money here on Monday XX/XX/XXXX. This is consistent with their pattern of lying and not honoring deadlines they have given me for what they would do.
Company Response: Closed with explanation
2018-09-18
Stilesville, IN
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: I opened an account with HSBC because of a promotion they were running with a bonus. Upon opening online, I arranged for a {$100000.00} deposit via transfer of funds ( which was required for the bonus ) from my account at XXXX bank. HSBC made multiple transfer requests for {$100000.00} instead of just one request, resulting in my account with XXXX to be overdrawn and causing {$72.00} in overdraft fees to be assessed by XXXX to me. Following is the first example of transfer requests from HSBC on the same date at the same time ( there were several other attempts by HSBC ) : XX/XX/2018 ACH WEBSINGLE XXXX HSBC ONLINE TRANSFER {$100000.00} - {$77000.00} XX/XX/2018 ACH WEBSINGLE XXXX HSBC BANK ACCT FUND {$100000.00} {$22000.00} You can see where these caused the balance to go into the negative of - {$77000.00}.
HSBC claims that XXXX must have made an error to cause these additional transfers, even after I have provided them copies of these online statements showing the multiple transfer attempts time and time again, as well as the overdraft NSF charges I was assessed as you can see below : XX/XX/2018 RETURNED ITEM FEE ( NSF ) Information Icon {$36.00} - {$78000.00} XX/XX/2018 RETURNED ITEM FEE ( NSF ) Information Icon {$36.00} - {$81000.00} XX/XX/2018 ACH WEBSINGLE XXXX HSBC ONLINE RETRY PYMT {$100000.00} - {$81000.00} HSBC continued to time and time again initiate bank transfers from my XXXX account even after they had received the initial {$100000.00} transfer and had deposited that amount in the new HSBC account.
This was clearly an error on the part of HSBC, but HSBC will not take responsibility. I have been harmed by their negligence and fraud, whether intentional or random. HSBC should refund the {$72.00} fee to me and can do so by depositing that amount into my account XXXX. It is irresponsible that HSBC will not simply fix the problem that they have caused.
Following is a excerpt from my CHAT with HSBC where I attempting, however futile, to resolve this issue with the company ; Why did HSBC continue to take transfer after transfer after they already had the {$100000.00} transfer completed?
XXXX at XXXX, XX/XX/XXXX : The initial transfers were not successful, so this would be why there were multiple transfers initiated.
XXXX XXXX at XXXX, XX/XX/XXXX : The initial transfer WAS SUCCESSFUL and {$100000.00} went to HSBC XXXX XXXX at XXXX, XX/XX/XXXX : HSBC had already received the {$100000.00} but continued to make withdraw attempts again and again XXXX at XXXX, XX/XX/XXXX : The initial transfer was not successful this is why there are multiple transactions.The transfer that was successful was the transfer on XX/XX/18. Which is the last transfer from the information of transactions you provided and the transfer that shows on the HSBC account transaction history.
XXXX XXXX at XXXX, XX/XX/XXXX : On my HSBC account Online information it shows the HSBC account was funded on XX/XX/XXXX XXXX at XXXX, XX/XX/XXXX : Again my apologies for the inconvenience.
XXXX XXXX at XXXX, XX/XX/XXXX : XX/XX/2018 ACH WEBSINGLE XXXX HSBC ONLINE TRANSFER {$100000.00} - {$77000.00} XX/XX/2018 ACH WEBSINGLE XXXX HSBC BANK ACCT FUND {$100000.00} {$22000.00} XXXX XXXX at XXXX, XX/XX/XXXX : Above shows HSBC taking 2 withdraws on the same date at the same time XXXX at XXXX, XX/XX/XXXX : The account was funded on XX/XX/18 and the only transaction in the transaction history is on XXXX. If you are referring to the XXXX account I would not be able to validate that. Again my apologies for your experience. Is there anything else I can assist with today?
Company Response: Closed with explanation