Credit card or prepaid card -- Trouble using your card -- Complaint #4762167
Complaint Overview
Complaint ID: 4762167
Company: HSBC North America Holdings INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: Arizona
ZIP Code: 85297
Date Received: 2021-09-28T12:00:00-05:00
Date Sent to Company: 2021-09-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Last week I called HSBC Bank and advised that I would be making a high purchase, I advised I would need to get my medications and get a toilet, I advised the purchases were going to be around {$1000.00}. I have two cards. So it could be o n either card. On Monday, XX/XX/2021 I got my medications with no problem. On XX/XX/2021, I was making purchases on the cards that end in XXXX, and XXXX. I only purchased today roughly {$37.00}. I had not even got my toilet. I went to make another purchase for {$20.00} at the XXXX XXXX and the card was denied. I had to put everything back. I had gone to XXXX XXXX and tried to use my card for {$40.00} and it was declined, Again I had to put everything back. I went to XXXX XXXX and tried to use the other HSBC card for my groceries and the card was denied. I called and the boy said that department was closed. He advised to put the food away and call back in the morning. I only have these two cards. Thanks HSBC. I am current and I am not behind. The one card has a credit line of {$8000.00}. I only have {$1000.00} on it. This is absurd. This is a violation of the antitrust laws. I gave the bank over {$5700.00} in XXXX. This how that treat me.
Frequently Asked Questions
What is Complaint #4762167 about?
Complaint #4762167 was filed against HSBC North America Holdings INC. regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2021-09-28T12:00:00-05:00.
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.