Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4493125
Complaint Overview
Complaint ID: 4493125
Company: HSBC North America Holdings INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Georgia
ZIP Code: 30294
Date Received: 2021-06-25T12:00:00-05:00
Date Sent to Company: 2021-06-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I purchased a hotel room through XXXX for {$690.00} for a quadruple room for 4 people at the XXXX XXXX XXXX XXXXn FL. Once i received my confirmation email I was booked for an private owner condo. I contacted the hotel number that was provided and found out that this was a XXXX XXXX XXXX XXXX and the owner did not have a room that can fit 4 people and does not list any rooms with zenhotels, doesnt even recognize the company. i contacted XXXX and emailed screenshots with the descrpency between what was booked and what was on the confirmation page. They recognized the mistake but stated that the room was non-refundable and that they would need to investigate to determine how to resolve the issue and could not refund me at that time. i then contacted my credit card company HSBC and disputed the charge, they initially refunded the money back to me but then charged it back due to the charge not being considered fraud.i then enetered another dispute and listed as billing error and provided the company with multiple emails. XXXX XXXX eventually agreed that i should be given a refund but stated that i would have to wait for my bank to grant the chargeback.Email provided. Since then HSBC has stated that XXXX has confirm the charge by providing my information ( duh since i made the charge ) and has granted XXXX the phone without looking at my proof of billing error. They have also charged me an additional {$690.00} on XX/XX/XXXX for the same charge. I know have almost {$1300.00} worht of charges from the one merchant for something that i did not book as well as did not use. No one from HSBC dispute department has given me a call or email me back
Frequently Asked Questions
What is Complaint #4493125 about?
Complaint #4493125 was filed against HSBC North America Holdings INC. regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2021-06-25T12:00:00-05:00.
How did HSBC North America Holdings INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against HSBC North America Holdings INC.?
Yes, visit the HSBC North America Holdings INC. company profile at readthecomplaint.com/company/hsbc-north-america-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.