HSBC NORTH AMERICA HOLDINGS INC

2019-10-15

Indianapolis, IN

Fraud or scam

Money transfer, virtual currency, or money service: International money transfer

Complaint: Wire transfer on XX/XX/2019 of XXXX. The international wire started at XXXX XXXX and went to hsbc bank of XXXX NY. HSBC bank will not send the money to the recipient at the XXXX XXXX XXXX XXXX XXXX. XXXX has tried to contact hsbc bank and do a trace and then recall with no luck or reply.. I keep getting told they can just keep my money and its out of XXXX hands. And if hsbc bank don't do the recall or reply they can just keep the money. I have been on the phone with XXXX everyday for since XX/XX/2019 with nothing. But I have been able to contact the hsbc bank that will not return the money .. Thanks
Company Response: Closed with explanation

Timely Response

2019-10-15

Atlanta, GA

Other features, terms, or problems

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

Problem with balance transfer
Complaint: HSBC approved my balance transfer request in the amount of {$5000.00} on XX/XX/2019, from a XXXX XXXX XXXX Mastercard. My outstanding account balance, including the fee for such transfer, was {$5200.00}, as of XX/XX/2019. The funds have not been received by XXXX XXXX XXXX, and HSBC was unable to provide any evidence that funds were sent to XXXX XXXX XXXX. It is deceptive and misleading to charge my account on XX/XX/2019, for funds that have not been transmitted as of XX/XX/2019. To the extent that HSBC requires processing time, my balance with HSBC should be held in a pending status, rather than being charged immediately.
Company Response: Closed with explanation

Timely Response

2019-10-15

Springwater, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-10-14

San Jacinto, CA

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, a balance transfer check was sent from HSBC bank to XXXX at my request, as HSBC was offering a 0 % balance transfer. Unfortunately, the payment address I provided was incorrect, due to the fact that HSBCs website asks for the provider address, not the providers payment address. I contacted HSBC by telephone on the XXXX to find out if I could stop payment if it had not already gone out. Instead of telling me that the payment had gone out, the agent stopped payment on the check. Once she finally told me that the check had already gone out but she went ahead and stopped the payment, I became irate and told her that that is not what I wanted.She then put in a request to have the stop payment canceled. I called back a couple of days later and was told that the payment address was irrelevant, because the balance transfer should be processed electronically. I received a communication from XXXX on XX/XX/XXXX stating that my payment had been returned by the shore. I was then charged an NSF fee, my payment transaction was reversed, and I have accrued interest on that balance. I made calls to HSBC every few days beginning on XX/XX/2019. Each time, I got a new customer service agent who could not tell me what was going on with the balance transfer. They all said that they had no idea where the funds were, as it showed that the transaction cleared on their end. My most recent call to them was XX/XX/2019. Each time I called, the agent assured me that they would have it looked into and someone would call me back. I have never once received a return phone call from HSBC. Further, there is no way to upload any documentation when sending a message to HSBC to show that their own transaction had been declined. I sent an online message on XX/XX/2019 indicating that I would be filing a complaint. When I logged in this morning, my balance now reflect that the transaction was reversed, but the date of the reversal is listed as XX/XX/2019, which is false. I have also been required to make the minimum payment on the balance including the balance transfer, rather than my very small purchase balance. This erroneous charge and length of time to find their own money has affected my credit in that it has shown to balances where only one existed. It is also cost me extra money in fees and interest, payments to two credit card companies ( when there should have only been one ), as well as my time and stress and trying to get the issue resolved.
Company Response: Closed with explanation

Timely Response

2019-10-13

Burlingame, CA

Managing, opening, or closing your mobile wallet account

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: CONSUMER FINANACIAL PROTECTION BUREAU. I am banking with HSBC in the California.XXXX.Brances. I have a Saving.checking, creditcars, debit card with HSBC. I can not use my I account properly on internet access the HSBC WEB SITE is BLOCKED for account transaction. My social security account in deposit it where I can not withdrow.My account is blocked by HSBC. HSBC web site, main address. Us.hsbc.com This web site used to before for transaction..Now I can not access with login pass words etc.HSBC web site blocked for login .Error Code is blow. Also HSBC is not provided XXXX pc compatible mobil software solution. LISTED ERRORS. 1-XXXX Cant Find the Server XXXX cant open the page https : //www.services.online-banking.us.hsbc.comXXXX XXXX because XXXX cant find the server www.services.online-banking.us.hsbc.com. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This site cant be reached www.services.online-banking.us.hsbc.coms server IP address could not be found. XX/XX/XXXX. I have reported problem to HSBC tech support on chat room technician-IT dept XXXXat XXXX, XX/XX/XXXX : This is the ticket number to reference, XXXX. and XXXX. I have filed a complaint for HSBC BANK in XX/XX/XXXX and XX/XX/XXXX to Consumer Financial Protection Bureau. I can not use my bank accounts. HSBC Bank is violating Banking Regulations and consumer protection law continuously. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-10-13

Detroit, MI

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: I opened an HSBC MasterCard. I requested paper statements over the phone. I never received a paper statement. I requested statements several times back in XXXX via my online HSBC account, and HSBC refused to provide a statement because allegedly one was not ready. I was never provided with a payment address to mail payments to. The online account didn't seem to have a way for me to link my bank account to the card for automatic payments. If it does it was not easy to find because I could not find it. I looked up the HSBC payment address on XXXX, and it was listed as HSBC Card Services, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Several weeks ago, in mid XXXX, I was aware, via my HSBC mobile app, that the first payment was going to be {$65.00}. I mailed a check for {$100.00} to the address I found. Yesterday, I received the check I sent back in the mail. The post office stamped on the envelope that the recipient moved and left no address, and also stamped on the envelope that the PO box was closed. I called HSBC, and discovered that I was now considered in default and behind on my payments. {$130.00} was due, of which a portion is a late fee. I paid this over the phone immediately. I tried calling an HSBC representative, but their office is closed right now.
Company Response: Closed with explanation

Timely Response

2019-10-12

San Jose, CA

Getting a line of credit

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: I opened saving account in HSBC on XX/XX/2019 at XXXX, CA. The HSBC worker suggested me to open overdraft protection. Actually, she opened Line of Credit for me. And it incurred a hard pull and new credit account which impacted me credit score a lot. I did need overdraft protection and she did NOT tell it would have credit score impact. I want to repair my credit score!!! Thanks.
Company Response: Closed with explanation

Timely Response

2019-10-11

Arco, CA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Around XXXX, XXXX XXXX, I have opened a checking account with HSBC bank an " Advance checking account '' after I have received an offer in my mail from HSBC with a personalized code which i have used that advertised the following : " you will receive {$400.00} bonus after you meet certain requirements .... ". I have used the code and met all requirements and one year later I did not receive nothing. I have sent a previous complaint regarding this issue and the bank responded to me by a letter on XX/XX/XXXX that claims that I was ineligible for the offer because I did not use the personalized code. Indeed, that is not true, they are clearly lying because I have used that personalized code and I have proof of doing so. The personalized code is " XXXX '' on my online application! and I have also mailed the code to the bank along with a check of {$10000.00} around XX/XX/XXXX. I also still have a copy of the code which I have attached to this complaint along with the bank 's response letter.
Company Response: Closed with explanation

Timely Response

2019-10-11

NC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: HSBC bank sent me to a collection agency 7 plus years ago. I was contacted by the collection agency and payment arrangements were made. They took out of my checking account the amount agreed upon for 3 years. After the 3 years was up another collection agency had taken over the first collection agency. I was told that my account was settled and paid in full. It was taken out every month from checking account. About 9 months later in XXXX I filed bankruptcy on my other credit cards. My attorney even said that my HSBC was paid for. So, today XXXX XXXX, XXXX 4 years after I had HSBC paid off I get a call saying that I have not paid HSBC off. I tried to explain to the woman on the phone that it was paid and she said that they were taking actions against me to get it paid because their office says it was never paid. I also told her I have had a bankruptcy since I paid it off and it was not owed at that time either. It was taken out of checking account. She wanted proof. That account was paid off over 4 years ago going through papers from that long ago is not feasible at this time for me. She got mad and hung up at me. I waited a few minutes to call back and they hung up on me again. This account was paid in full. It's not my fault they can't do the proper paper work on their end
Company Response: Closed with explanation

Timely Response

2019-10-11

WA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I received several phone calls from ( XXXX ) XXXX trying to collect on a HSBC account. I had an hsbc account but it was bought out by XXXX XXXX and included in my bankruptcy that successfully discharged. They are even calling relatives leaving messages for them. The lady claimed that shes going to file a judgment within 72 hours. This debt would be way beyond the statue of limitations. This seems to be a scam.
Company Response: Closed with explanation

Timely Response

2019-10-11

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: Company : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Original Creditor : HSBC BANK Company has attempted and continuously attempts to collect a debt that I have paid twice with two different debt collectors.
Company Response: Closed with explanation

Timely Response

2019-10-11

MN

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Hi i'm missing a XXXX $ sign up bonus for my checking account, its been past the 8 weeks after qualifying and still no bonus, i tried contacting them about the bonus and they gave me some bs excuse for it saying i had a checking account with them before when I've never banked with them ever in my life. If i don't receive the bonus i'm gon na close all of my accounts with you guys and let everyone know how bad of a bank this is. Here are the terms - Choice checking {$200.00} bonus requirements : Open new HSBC Choice checking account by XX/XX/2019 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 Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance
Company Response: Closed with explanation

Timely Response

2019-10-11

Staten Island, NY

Fees or interest

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

Problem with fees
Complaint: I opened an HSBC master card account and did a balance transfer online from another credit card to this card. As soon as the balance transfer was complete HSBC charged me a 4 % balance transfer fee that amounted to {$190.00} I had no idea I was goin to be charged. When I complained they said that the fee is disclosed! I can assure you if I knew there was 4 % fee I would never have done this transaction and I told them if the fee is disclosed it is definitely not in plain site it is definitely hidden and not in plain site at all! They said they would credit the fee back as one time courtesy that was on XX/XX/2019 it is now XX/XX/XXXX and the fee is still not credited back. I have called 5 times since and they keep telling me ... tomorrow then Tuesday then Friday then on Friday they say by the end of the business day and they will call me back or a supervisor will call me back and that never happens. I think HSBC is a very dishonest company and how they are handling this is absolutely outrageous! I want my fee back and then I am closing this account.
Company Response: Closed with explanation

Timely Response

2019-10-09

San Diego, CA

Managing an account

Checking or savings account: Checking account

Cashing a check
Complaint: Someone has been opening bank account without my knowledge or consent alot of bank accounts
Company Response: Closed with explanation

Timely Response

2019-10-09

Portland, OR

Confusing or missing disclosures

Money transfer, virtual currency, or money service: Debt settlement

Complaint: The purpose for recently contacting you is that I have been trying to get my adequate mutually agreed upon settlement from HSBC Bank. I was apart of the Class action against them in the XXXX case CIVIL ACTION NO : XXXX-XXXX however I did not receive a opt out notice from them so I could hire my own attorney. In addition to this I did not cash the settlement check I emailed them immediately after I received the settlement check which I did not cash stating that I did not agree to the amount of the settlement check. I later wrote the company that handled the disbursement of the settlement funds I wrote and sent them a letter certified return receipt mail receipt number XXXX before the final court agreements of settlement disbursement stating that I did not agree to the settlement amount and wanted more. I received no response, I then further filed complaints with several Senator XXXX XXXX office and Congressman XXXX XXXX office and with the Federal Trade commission complaint number XXXX, the Consumer Financial Protection Bureau Case No XXXX, the Commodity Futures Trading Commission complaint XXXX, and Securities and Exchange Commission complaint XXXX. Court documents indicate that the Attorneys on the case did not do do diligence so this confirmed my feelings that I did not get proper representation in court document 132 is a transcript of how the settlement is unfair and in the transcript the Attorneys for the class action state that there was not due diligence or very adequate discovery. Matters of res adjudicata do not apply because I did not receive a opt notice so I could hire my own Attorney, and I continued to write and solicit a proper settlement amount, both to HSBC Bank and Government Agencies. Since I dissented against the settlement amount I have never cashed the checked. By the latest at 36th and 37th 38th to 40th court documents the court had determined agreed that both parties should negotiate a settlement. Yet class action members like me our issues or concerns about the settlement amounts were not considered hence why I want to take the case to state court and sue HSBC Bank in State court. I have the complaint case both in the body of the email and in a attachment. My dealings with HSBC bank were that I took out a line of credit to trade in silver, and I took out a policy with HSBC Bank that I thought was to protect me from identity theft, and to protect me if I had any losses and was unable to pay back the line of credit. Which was the case and I thought the matter was settled but HSBC Bank continued to solicit funds for the insurance policy via the mail, and HSBC bank put a negative mark against my credit report even until recently as far as 2016, in fact I was even contacted last summer from a company saying that I owed HSBC money. Though I was told on the phone that the matter was settled and fine when I had first contacted HSBC Bank about the matter. At least I thought that was the case, and that was the type of policy I was taking out but in the class action it was indicated that is not the case and also do to HSBC negatively effecting my credit report. I still do not know what actually the insurance policy was that they actually sold me. It is my understanding that it is illegal for a insurance company to trick someone into taking out a insurance policy that they didn't want, you can't sell someone something telling them it is one thing and in fact it being another type of policy. That is illegal, the state deceptive trade practices acts were enacted by the various states following the passage of the Federal Trade Commission Act ( FTC Act ), which prohibits deceptive acts and practices in the sale of products to consumers. In this regard, the state laws in this area are modeled on the FTC Act, and, therefore, are highly similar in content. Please cconsider taking on this case on my behalf as your client against HSBC Bank. The case is pretty straight forward, and you just have to follow the general map set out in the Federal Case against HSBC Bank. HSBC Bank needs to be brought to Justice for what they have done and the amount they want to pay is pittances. HSBC bank has deep pockets and they want to get away with what they have done. During the time the law suit against HSBC Bank was before the Court HSBC Bank did not act in good faith the Plaintiffs and the Putative Class which I was apart of are and were also entitled to injunctive and declaratory relief including, without limitation, orders declaring HSBCs practices as alleged herein to be unlawful, unfair, unconscionable and/or deceptive, and enjoining HSBC Bank from undertaking any further unlawful, unfair, unconscionable, and/or deceptive acts or omissions. Which HSBC Bank continued to further break the law and were doing so during the time this case was before the court. HSBC Bank has and was during the time the case was before the court manipulating the libor rate, HSBC Bank has manipulated the price of Silver and Gold which directly effected my silver trading business. Which as a side note when I first was asked what I wanted to take out the line of credit for which I stated was to trade in silver I later found out that HSBC shortly after approving the line of credit started manipulating the Silver and Gold price course that would be very hard to prove but of course that isnt the crux of the issue here. The issue here is they sold me the wrong insurance policy. What I have asked for in regards to the settlement is shares in HSBC for them to transfer ownership of stock shares over to me. They can do a share buy back which it has been discussed in the press that HSBC bank was going to do that. HSBC bank can do a share buy back, and then transfer shares over to me, which would be a win win situation for HSBC Bank they strengthen the value of their stock shares by doing a stock share buy back and they can simply transfer some stock shares ownership over to me. So it would not be to difficult for them and if the amount is adequate then the matter is settled. So please help and consider taking this case it could be very lucrative for you, and it is so necessary because HSBC bank needs to be brought to justice and HSBC Bank needs to be stopped form doing this to other people. Also with the US. Senate Bill recently passing about not being able to sue banks which I would think is unconstitutional there is need to get this case done. I have also done some work on writing the case up my self but not being a lawyer and only being a XXXX XXXX XXXX I don't have all the complete nuances of how to write up the complaint. I could send you what I have written up and you can fill in the parts about the fact there was no due diligence in the case along with there being no adequate discovery, how matters of res adjudicata are not issues because the lack of the opt out notice, and HSBC continued to break the law while the case was before the court. Like I said the case is pretty straight forward and HSBC Bank settled rather quickly but HSBC Bank have been jerking me around about the settlement amount in the complaint with the Consumer Financial Protection Bureau HSBC Bank Acknowledges they owed me money and they state I did not agree to the amount and asked them for more, but that since I didn't cash the check they gave the money to a non profit organization. So since HSBC Bank has been jerking me around about the settlement amount I have found it necessary to take them into state court and finally settle the matter. So Please help me and consider taking my case this would be very lucrative for you and would bring about justice against HSBC Bank which has committed fraud and it would stop them from doing this to other people. I have put the original case complaint in a attachment in this email and also in the body of the email below the body of this email. Thank you for your time and consideration in regards to this matter and please help me and bring Justice against HSBC Bank.
Company Response: Closed with explanation

Timely Response

2019-10-09

Cooper, NY

Opening an account

Checking or savings account: Savings account

Confusing or missing disclosures
Company Response: Closed with explanation

Timely Response

2019-10-08

Auburn, NJ

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: Regarding complaint responses XXXX ( Beneficial/HSBC ) and XXXX ( XXXX XXXX XXXX, XXXX ( XXXX ). Beneficial responded, " As referenced in our XX/XX/2019 and prior response letters, HSBC is not seeking a judgment with respect to the outstanding loan nor did HSBC file the Assignment of Mortgage that Mr. XXXX references. Therefore, HSBC is unable to comment on the allegations that Mr. XXXX outlined in his correspondence regarding XXXX 's actions ''. If that is in case fact, then how do they explain why Beneficial is on both the Corporate Assignment of Mortgage and Allonge To The Note ( attached )? This could only mean 1 of 2 things, Beneficial continues to fabricate and is evading the truth, or XXXX has used Beneficial unknowingly/unwillingly/illegally! In addition, XXXX continues to refuse to answer my questions regarding the gross and misleading errors in the AOM which was erroneously filed ( as per my last complaint ). As fiduciary, I continue to reject any and all claims by XXXX and Beneficial ( HSBC ).
Company Response: Closed with explanation

Timely Response

2019-10-08

Bellevue, TX

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-10-07

Dexter Twp, MI

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-10-07

WA

Closing your account

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

Can't close your account
Complaint: Let, me start by asking you to review closed COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 HSBC is bank debt scam with no intention of activating the credit card they approved me for without I, 1st agreeing to pay an activation fee when speaking to their fraud division who makes it a habit of leaving customers on hold for an average of 5 hours before answering the call. This bank is phishing for business financial information with number 3. Number 1, is proof of address. Further more I will not again call or attempt do business with HSBC after being cursed out and remarks about my race being made. I applied for four different credit cards and was approved for all and can safely write HSBC is 100 % fake in every aspect of credit card activation, except fees & customer service does not exist. Please, tell HSBC to stop calling me as I have placed a security block with the credit reporting agencies to protect me from this type of bad banking practices. ( HSBC ) 1. Proof of Identification - acceptable forms of proof of identification are : a valid current Drivers License or passport. 2. Completed SSA89 Form ( attached ) The signature and date field must be handwritten for the document to be valid. Please include both pages when submitting back to us. 3. Proof of Address acceptable documents are : a. Utility bill from the last billing cycle b. Tuition bill c. SSA benefits letter d. An INS Notice of Action e. Letter from an Embassy or Consulate f. Mortgage statement g. Property tax bill h. College/University acceptance letter i. XXXX ( XXXX benefit acceptance letter ) j. Homeowners/Renters insurance bill/policy k. Account statement from a bank or brokerage, dated within the past three months l. Monthly statement of an established credit card from a major provider ( Visa/MasterCard/XXXX ) dated within the past three months. m. Lease Agreement n. Paystub.
Company Response: Closed with explanation

Timely Response

2019-10-07

Lewisville, TX

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Welcome bonus not posted XX/XX/2019 -- I saw the {$350.00} bonus promotion for the checking HSBC Advance account through website https : //www.us.hsbc.com/checking-accounts/campaigns/offers/ # advance-checking-details. -- I clicked the apply button from the page above and applied for the account on XX/XX/2019. I received the email ( email 3 ) from HSBC stating that the application is being reviewed. I will be reached out within 48 hours with futher instructions, with the application ID of XXXX. XX/XX/2019 -- I received an email from HSBC stating that the application is approved, but not able to complete the initial deposit. ( email 2 ) Application ID is still XXXX. XX/XX/2019 -- I received an email from HSBC stating the account has been approved, with additional details to sign up for online services with HSBC. Application ID is still XXXX. ( email 1 ) XX/XX/2019 -- I funded the Advance checking account with {$10000.00} from an external account of mine. XX/XX/2019 -- I transferred {$9900.00} from Advance checking account to my HSBC Direct Savings account. XXXX- XXXX. XXXX INTERNET BANKING. XXXX INTERNET BANKING. -- This transfer would still satisfy the " Deposit a minimum Qualifying Balance of {$10000.00} or more in New Money in COMBINED CHECKING AND SAVINGS accounts within 30 calendar days of account opening ''. ++The combined account balance on my checking and savings has been over {$10000.00} and has not changed since XX/XX/2019. XX/XX/2019 -- I contacted HSBC via chat because I did not see the welcome bonus posted to the account. This was now 154 days after the account is opened. Account balance has been over {$10000.00} and has not changed since XX/XX/2019. I requested of the case to be reviewed for the welcome bonus of {$350.00}. The case ID XXXX. XX/XX/2019 -- Called HSBC to provided additional information, which is the application ID XXXX for further investigation. Through the whole conversation with an agent, she was not able to find the original application from her system. Then she further searched in other system, but couldn't locate the application with ID XXXX.
Company Response: Closed with explanation

Timely Response

2019-10-06

Phoenix, AZ

Getting a credit card

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

Application denied
Complaint: I applied for a credit card from HSBC and was told I has to go through a process through the HSBC Fraud Operations Team, this is what they sent me. Dear XXXX, Thank you for your application. As we have informed you through the process, federal regulations and internal bank policies require us to obtain specific customer identification information. We want to make sure we gather the proper information so that you can start your HSBC relationship. during that time I was ask why I file a protection with the credit bureau and was ask when I filed it and why, I explain my purse was stolen and I filed a police report, in the process I had to get a new driver licenses, the company ask me to send a copy of my license and they will contact me in 48 hours of doing so, I never heard from them with in 7 days so I contact them and I was told they could not see the picture so resend it and I did and when I called them back they said the issue date on my license did not seem right. I believe they sent me through all this because of my color or race and then they sent me this letter. Dear XXXX, Thank you for applying for an HSBC Cash Rewards Mastercard credit card. Unfortunately, we are unable to approve your application, because we are unable to verify your identity. Please note, a credit check was not performed. why sent me through this and no check was done. I ask to speak to a supervisor and they said no supervisor is around to talk with so I ask who was in charge and I still was sent on a run around.
Company Response: Closed with explanation

Timely Response

2019-10-04

Irving, TX

Problem when making payments

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

Problem during payment process
Complaint: I have HSBC Mastercard Credit card. I had already made the automated payment setup from XXXX XXXX account ending in XXXX more than a month back. Problem with HSBC : They are so weird and strange. Very different from regular/normal banks or credit card Website is so overwhelming or confusing - all the global products and everything in one place that very simple stuff like seeing the credit card statement and making the payment is absolutely impossible. I got the call from them during morning at XXXX XXXX from XXXX who was stating that minimum payment is not done and make the payment. When i asked - i am on website and how to do that ... she stated she doesn't know. When i asked when the automated payment is already setup then why it is not working? She said that XXXX XXXX takes 1-2 billing cycles to go into effect, which would be why you're not seeing it working yet. Essentially this company is involved in some massive fraud out here. They are deliberately not providing the very basic service of automated pay and delaying it in order to make the customer miss the payment and thus they will earn hefty fees and charges from the customer for the missed payments for which customer is not at all responsible. Please investigate this fraud HSBC and save US customers.
Company Response: Closed with explanation

Timely Response

2019-10-04

Burlingame, CA

Unexpected or other fees

Money transfer, virtual currency, or money service: International money transfer

Complaint: I tried to wire {$290.00} from my HSBC checking account to an account in XXXX on XX/XX/2019. HSBC charged {$30.00} international wire fee on that same date. On XX/XX/XXXX, there was {$250.00} ( {$40.00} short of what I had sent ) returned to my account with the following notes : XXXX XXXX XXXX XXXX /BNF/RETURN OF YOUR PAYMENT REF XXXX XXXX VALUE XXXX FOR XXXX XXXXUSD AS ALL PYMTS DESTINED TOB /XXXX SHOULD BE RTN OR CNCL //IF THEY ARE NOT IN XXXX I called HSBC and was told they can not transfer money to that account. I had used the HSBC online transfer so if the transfer had to be specified in Pesos, that is not something their interface allowed me to do. When I asked for a refund of the fees ( $ XXXX {$40.00} ) I was told eventually by a supervisor named XXXX with ID XXXX that federal " Regulation E Subpart B does not allow HSBC to reverse fees on international wires. '' ( This is the culmination/summary of four calls and hours on hold. ) This was surprising to me so I asked the agent what this regulation is about. The agent did a XXXX search read portions of the regulation having to do with changing fees, and refunds. I looked through regulations myself and could not find anything relevant. I did ask for a pointer to something concrete, and the agent would neither send me anything ( not even via the HSBC messaging service ) nor put me in contact with anyone who could point to the relevant part of the regulation. His mantra was : you are not getting your money back. stop wasting your time. My complaint to them started with understanding why there were fees charged for services that they did not deliver and then a request for reversal of fees. However, at this point I am highly concerned t hat HSBC business practices include having agents inappropriately use consumer protection regulations to intimidate customers. I would like HSBC to reverse the fees but more importantly I would like an explain how federal regulation prevents HSBC from reversing a charge that they are choosing to impose on customers. My complaint number with HSBC is XXXX.
Company Response: Closed with monetary relief

Timely Response

2019-10-04

CA

Managing an account

Checking or savings account: Savings account

Problem accessing account
Complaint: My online banking account has been locked since XX/XX/2019 and after over 20 phone calls to HSBC, 5 non-responsive emails to their fraud prevention group, the issue has not been addressed. I have filed a formal complaint with HSBC on XX/XX/XXXX and they have not responded to my complaint nor addressed my issue. Since XXXX, I have not been able to log into my HSBC account and they also will not allow me to reset my password because they believe the account is fraudulent after I've had the account open since XX/XX/2019. I did not have any suspicious transactions into/out of the account but since it has been locked in XXXX, I am not able to close my account or access my funds. HSBC is literally the worst bank I have ever dealt with due to their poor customer service, lack of response, and lackluster compliance group
Company Response: Closed with explanation

Timely Response