Consumer complaint received 2018-11-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My Name is XXXX XXXX HSBC costumer checking advance account # XXXX, On XX/XX/2018 I open an online checking account with HSBC bank within of {$350.00} welcome bones for {$10000.00} deposit new checking account a least 90 days and after that {$350.00} will posted on the new account after 6 to 8 weeks of that 90 days. When my time was up I called to find out why my welcome bones havent been posted on my account. I contacted many times costumers services for more than two weeks and all of them gave me hard time. Finally on XX/XX/2018 one of them created investigation referral # regarding my issue. On XX/XX/XXXX I call costumer services regarding my issue. They was looking on the investigation and came to the conclusion that my {$350.00} welcome bones was denied because first I didnt open through the on the line now button in order to qualify for the promotion, which it is a lie, because that was the only way to apply on the line and the second of the reason is that I had an open account prior of application which that is lie too. I had an active credit card account which is not part of conditions to qualify for the promotion. When I so that was very difficult to deal with that person I ask for the supervisor Mr. XXXX XXXX ID # XXXX who behaved in the same way of his prior coworker. Without choice I asked for his supervisor chain and commend Mr. XXXX XXXX who behaved in the same way of his prior coworker. I so they were orchestrated in the same way no chance to resolve in the way supposed to be resolved. I think that they behavior is as result of HSBC higher management, who order them to lie by posting false advertisement and give fake resolution. took my money Due to the false advertisement they make me to transferred {$10000.00} from XXXX XXXX  to their bank, keeping my money for more than six month and in the end they said XXXX you. They justification for denied my welcome bones was that I wasnt applied from so call now button from their websites which, that is a lie. There is no way that a customer can open an online checking account from other websites that will open an HSBC checking account who took {$10000.00} from XXXX XXXX to HSBC and can be denied that wasnt open from their now XXXX. The evidence shown that I applied from that web side and the account was open from that website period. Also they claim that the second reason I was denied because I had an active account prior to open that account. That is the lie too. I didnt have a prior account. The terms and conditions clearly stated that disqualification for this promotion is if the customer has an account including checking, savings, CD accounts or other investment but didnt include credit cards as non-qualified conditions. Also other issue having with this bank is that a week after I open my online account I referred my family member XXXX XXXX to open through the phone line and advance checking account in order for me and her to receive {$100.00} bones each. For this issue their excuse is that my refer code wasnt generated at that time. But the real reason of not generating my refer bonus code was because HSBS computer system at that time was updated that most of the customers had for weeks problem. So wasnt clients fault that their system had the problem. However they dont want to recognize their fault, HSBC purposely put false advertisement to benefit from their customers, but when comes to giving bones they deny customers. by creating false narratives. So to proof my clam Im including an advertisement information for {$350.00} advance account welcome bones and {$100.00} bones for referring a friend or family member.

Company response to consumer: Closed with explanation