ComplaintsforHSBC Finance Corp.

• Initial Complaint

  09/27/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not liable for this debt with U.S Auto Finance, I dont have a contract with HSBC Finance Corp.they didnt provide me with the original contract as I requested.

  Business response

  09/30/2024

  The concerns have been received and the **** case reference number is 1346509.
  
  We will review the points raised and follow-up directly with the consumer. If the consumer has any questions or concerns about the complaint, they may contact ********* *********** from our office directly at:
  
  *************, ********************
  Customer Relations ******
  PO Box 3448
  ****************
  
  Tel:************ or ************
  Fax:************
  *****************************************************************

• Initial Complaint

  09/19/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  In early March, 2024, **** opens a promotion for new account bonus. If I deposit more than ******* usd for more than 3 months, I'll receive 2000 usd bonus. After 4 months I don't receive any bonus and I call **** for the update. They don't provide any valid update until Sep 19th, 2024 they said I'm not eligible for the new account. Fine, I open the account with the link hang on **** US official website and follow all the instructions. I call them several times and there are no valid response at all. This is a clear scam to banking customers. Please treat this bank seriously since they're customed to cheat customers. I felt really disappointed about their business and decide to withdrawl all my money out.

  Business response

  09/23/2024

  
  The concerns have been received and the **** case reference number is 1345924.
  
  We will review the points raised and follow-up directly with the consumer. If the consumer has any questions or concerns about the complaint, they may contact ********* *********** from our office directly at:
  
  *************, ********************
  Customer Relations ******
  PO Box 3448
  ****************
  
  Tel:************ or ************
  Fax:************
  *****************************************************************

• Initial Complaint

  08/23/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I am filing a complaint against **** for failing to fulfill a promotional offer related to their Premier checking and **************************** accounts.I was informed by **** that I would qualify for the promotion as long as I applied on or before March 27th, 2024. Based on this information, I applied for an **** Premier checking account and an **** **************************** account on March 20th and March 27th, 2024, respectively. My accounts were opened on April 15th, 2024, and I promptly funded them as required by the promotion.Despite meeting all the promotional requirements, I have not received the promised $1,500 cash bonus. I have contacted **** multiple times and received conflicting responses. I was told that more time was needed to process my payment, and on another occasion, I was informed that I was not qualified because my accounts were opened after the March 27th deadline. These conflicting explanations are both confusing and frustrating, especially since I complied with all the terms and conditions of the promotion. I believe that **** has failed to honor their commitment, and I request the BBB's assistance in resolving this issue.Thank you for your attention to this matter. I look forward to your prompt assistance in ensuring that **** fulfills their promotional promise.

  Business response

  08/26/2024

  The concerns have been received and the **** case reference number is 1344641.
  
  We will review the points raised and follow-up directly with the consumer. If the consumer has any questions or concerns about the complaint, they may contact *************************** from our office directly at:
  
  **** Bank USA, National Association
  Customer Relations ******
  ***********
  ****************
  
  Tel:************ or ************
  Fax:************
  *********************************

  Customer response

  09/05/2024

  Complaint: 22186007
  
  I am rejecting this response because: Hi ******. Since I filed complaint, **** or you has Never contacted me on this matter. **** still owes me $1500 which was promised at the time of account opening. Please answer my question on when I will be paid.  
  
  Sincerely,
  
  *****************************;

  Business response

  09/06/2024

  The concerns are currently under review; case reference number is 1344641. Response will be sent directly to the consumer at resolution.

  If the consumer has any questions or concerns about the complaint, they may contact *************************** from our office directly at:
  
  HSBC Bank USA, National Association
  Customer Relations ******
  PO Box 3448
  *******,** 14240
  
  Tel:************ or ************
  Fax:************
  *********************************

• Initial Complaint

  08/19/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  **** employees, provided incorrect promotion info with advantages of **** to mislead customers making incorrect financial ***********************, as a result of financial lost.I visited **** Fremont branch on 1/12/2024 to close my **** account. But a branch stopped me and offered me 3 promotions that I was qualify after checking my account. So, based on the information she gave me, I decided to give up my original plan which will have $3,000+ earnings, keep my **** account, transferred more new money to **** and set up direct deposit with my employer.But, after all of above done, that branch assistant gave me a call said that she made a mistake, I am actually not qualifying for Offer 3. I filed a complaint the **** Fremont Branch manager. She honor me the offers.Therefore, I kpet the existing checking accout, brought in $100K new money to opened an 8-month ** with 5.4% interest with an online agent on 1/25/2024, and confirmed multiple times with that online agent before and after I opened the ** account, that I was qualify for the $1500 cash bonus if I kept the new money till 5/31/2024. And received $1500 cash bonus 8 weeks after 5/31/2024 which would be 7/31/2024.My Direct deposit started at 2/15/2024, ended at 6/7/2024. The $500 cash bonus would be deposited into my checking account withing 8 weeks which would be not later than 7/15/2024.Till 8/1/2024. I didnt receive any cash bonus. I called **** 8/5/2024 to check the status on my cash Bonus. They promised to get back to me in ********************************** as promised. I online chatted again today (8/19), the online agent told me that I didnt qualify for all the cash bonus even though the branch manager and the online agent who opened the ** promised that I do qualify for both cash bonus. I lost the $3,000+ earnings at the beginning and $2,000 cash bonus after I made all the required transactions.

  Business response

  08/21/2024

  We have received your complaint in our office and assigned case #*******. We will respond directly to the consumer at completion of our investigation. If you have any questions, please contact *************************** at ************ or *********************************. 

• Initial Complaint

  08/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Received a phone call today 08/08/2024 from a *******, who transferred me to a *********************, front desk for a Law firm called ********. Didnt provide much info just alleged that he was calling for a credit card from 2001. No documentation was provided, and the email given did not belong to me. No signature was provided and stated they were taking me to court to garnish wages. This past the statue of limitations in ***** and how can I go firm that the debt even belonged to me when I didn't even bank with *****

  Business response

  08/12/2024

  
  The concerns have been received and the **** case reference number is 1343871.
  
  We will review the points raised and follow-up directly with the consumer. If the consumer has any questions or concerns about the complaint, they may contact *********************** from our office directly at:
  
  **** Bank USA, National Association
  Customer Relations ******
  PO Box 3448
  *****************
  
  Tel: ************ or ************
  Fax: ************
  *********************************

• Initial Complaint

  07/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have a mortgage loan with **** and I have set up auto payment when I opened this **** premium checking account and put some money there.In the end of May, I don't want to put money in **** account anymore because **** is so hard to use so I paid my loan manually from **** of America, and I thought **** system would recognize this activity and stop automatic draw from **** shortly after in beginning of June ***** is how every other bank works like ************** **** system was dumb and still tried to draw my auto payment on June 1st therefore charged me insufficient balance fee of $20. I paid this $20 over phone and also manually deleted auto payment profile stored in **** in mid ************* **** tried again pulling auto payment in July and charged me another $20 insufficient fee. When I called **** on this, they said they can not address this and their system took 2-3 weeks to reflect my cancelling of auto payment and that was why system tried to withdraw money from my **** checking again.I am requesting **** to fix the legacy software system on their end, and fix software bugs if any. And refund me my 2 * $20 = $40 charges, since I didn't delay or miss any monthly payment.

  Business response

  07/23/2024

  Your complaint has been received in our office and assigned case #*******. We will complete a review and respond accordingly. If yo have any questions, please contact *************************** at ************.

• Initial Complaint

  07/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I called to apply for a business credit card. I know my credit because ** trying to rebuild my credit. Im also try to build my business credit. Before I allow anyone to pull my credit I always inform them, I have a bankruptcy that has been discharged and almost two years cleared. I always inform the representative that I have only been in business for 6months with the **** but in business before that. I always ask what are the qualifications with having these issues in my report of odds for getting approved? I was told everything was fine because I received a promotion. The promotion didnt indicate bankruptcy will keep me from getting approved or I would have never applied. The representative didnt even say, let me get someone that can better answer those questions. Now, I have missing point from my *********** account. I want a letter sent to me and ********** indicating to remove the inquiry and re-submit my points that was removed.

  Business response

  07/15/2024

  The concerns have been received and the **** case reference number is 1342525.
  
  We will review the points raised and follow-up directly with the consumer. If the consumer has any questions or concerns about the complaint, they may contact ***************************************** from our office directly at:
  
  **** Bank USA, National Association
  Customer Relations ******
  PO Box 3448
  ****************
  
  Tel:************ or ************
  Fax:************
  *********************************

• Initial Complaint

  06/19/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My account has been under review for 5 months and counting. I called in daily for any update. There has been zero progress, zero transparency, and I get the runaround from their internal team every time. Ive gone through several life emergencies in the meantime, while my entire life savings which *** worked hard for has been blocked from any access. Every time I call the answer is the same your account is still under investigation and theres no update.There is no reason resolution should take over 5 months. All I ask for is some updates, transparency and hopefully a timelier resolution.

  Business response

  06/20/2024

  We have responded to this consumers complaint as of June 14, 2024. Please allow 7-10 days for mailing. 

  Customer response

  06/21/2024

   
  Complaint: 21870735
  
  I am rejecting this response because:

  
  Upon reading response from the business **** as stated `We responded to this consumer complaint on June 14, 2024. Please allow 7-10 business days for receipt. ` I made a follow up call to the appropriate departments and had an emotional back and forth trying to see if there really was any progress or update made on June 14th. There has been no record or indication as such and I STILL cannot reach the internal department handling my case. Additionally, the address on file I have is changed but I am being blocked by their internal departments from updating. I have received zero calls, zero emails, and zero mail from **** during this 5 months. Please:

  1. Push for resolution of my account status. Either close with refund or allow me access.

  2. Clarify exactly what action was taken on June 14th, 2024. No calls or emails have been sent. If it is a mail, we need to update the address off which correspondences are being sent to.

  3. Provide updates on my account situation ASAP. It has been nearly 5 months since any progress, update or transparency has been provided.

  
  Sincerely,
  
  *******************

  Business response

  06/24/2024

  Our records confirm response was sent directly to the client on June 14, 2024. A copy of this response will be sent to the client via email within the next 2 business days. 

  Customer response

  06/26/2024

   
  Complaint: 21870735
  
  I am rejecting this response because:
  
  The response from **** to my original complaint stated that their records show that they sent a respond directly to the client on June 14th 2024. Which they double down on. The first time they confirmed this I called in immediately but their EFRAUD associate and supervisor have no record of this, an internal **** team that is the only one I can contact regarding my account. I got my hopes up and was disappointed. I want to know what method was used for this communication attempt because it is failing and could be the very core reason why my account has been stuck frozen for so long. 5 months and counting. 
  

  Lastly, in ****s 2nd follow up response they promised me an email with the same correspondence to ensure I get it this time. Which I have still not yet received. I want **** to confirm which email address they sent this to because I have checks my main inbox and spam folders and it has still not arrived. Either there is a bug in their system, some kind of misunderstanding, out of date or inaccurate contact information or they are not being truthful with me. I am in pain and agony for what I have been through due to this situation that has affected other aspects of my life. Please I ask kindly and respectfully, beg and implore **** team for who this concerns and who I am blocked from contacting directly, lets get to the bottom of this once and for all. 

  Sincerely,
  
  *******************

  Business response

  06/28/2024

  We have previously received these concerns and have an open case in our office, reference # 1341620

  Customer response

  07/04/2024

   
  Complaint: 21870735
  
  I am rejecting this response because:
  No progress after days. No communication. No updates. Still locked out of my account and funds without any information. 6 months approaching quick. My life support is locked up and **** has thrown away the keys without a care in the world. Please condemn this anti consumer company who live and breathe by anti consumer practices to the fullest degree. My life is in shambles due to **** horrible management of my situation and account. 
  
  
  Sincerely,
  
  *******************

  Business response

  08/14/2024

  ********************** #********. Case closed. 

  Customer received multiple responses. 

  HSBC will not share the outcome of the response due to the nature of the issues involved.

  Customer received final response and the case was closed on July 8, 2024. 

  Customer response

  08/14/2024

   
  Complaint: 21870735
  
  I am rejecting this response because:
  
  

  HSBC did not disclose where my $42,800 balance was sent to. There is a reference number YREJ-00301. Under California consume disclosure acts I exercise my right to demand where the allocation of these funds were sent to and to which beneficiaries. 

  Sincerely,
  
  *******************

  Business response

  09/24/2024

  Please be advised, ***, ******* #********. Case closed.  Customer received multiple responses.  Customer received final response and the case was closed on July 8, 2024.
   
  We then responded to ******* **** most recent complaint on September 9, 2024.  He was advised funds were returned to the originating parties. **** will not share the outcome of the response due to the nature of the issues involved. Please be assured that the complaint and our response were reviewed by our compliance teams.
   
  Let me know if you have further questions.
   
  Best,
   
  *****

• Initial Complaint

  04/25/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I am not liable for this debt with the ************** NA", I do not have a contract with ************* NA. They did not provide the original contract as I requested.

  Business response

  04/26/2024

  Your complaint has been received in our office and assigned case #*******. If you have any questions, please contact ***************************************** at *********************************. 

• Initial Complaint

  04/03/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I deposited a check in ********** Dec 1. 2023 is when I got incarnated and didnt get out until March 6 2023, When i got out i have ***** bucks. I told them about it, they gave me $7,000 and the mailed me $5,000 which the state put a lien on, no biggie. I still have ****** that they still own me they have gave me the run around for a year, I gave them all the documents they asked for twice, proof of incarection and my ID and my social. which is uncalled for. Now they are saying that I have to go to a branch with my ID they cant tell me anything else.They only have like one of two banks in a America. An the phone that i have had for years doesnt all of a sudden past the way they verify who I am.

  Business response

  04/04/2024

  
  The concerns have been received and the **** case reference number is 1337790.
  
  We will review the points raised and follow-up directly with the consumer. If the consumer has any questions or concerns about the complaint, they may contact ***************************************** from our office directly at:
  
  **** Bank USA, National Association
  Customer Relations ******
  PO Box 3448
  *******, ** 14240
  
  Tel: ************ or ************
  Fax: ************
  ***********************************

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩