HSBC NORTH AMERICA HOLDINGS INC.

2019-07-17

Aspen Hill, MD

Managing an account

Checking or savings account: Savings account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-07-17

Discovery Bay, CA

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: HSBC closed my credit card ( acct # XXXX ) account because of inactivity without giving me reasonable time to respond and redeem my points prior to closing my account. They alleged that they send me a letter during the last week in XX/XX/XXXX. However I was out of the country and I even told them about my plans in early XX/XX/XXXXbefore I left so I can have access to my credit card and bank account while I was away in XXXX. During that phone call, they never mentioned about my credit card account will be closing soon and I would forfeit all my points if I don't redeem it before that date. Upon returning, I found out that my credit card account has been close and the reward points were all taken away.
Company Response: Closed with monetary relief

Timely Response

2019-07-16

Dayton, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-07-15

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Company Response: Closed with explanation

Timely Response

2019-07-12

Fort Lauderdale, FL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with monetary relief

Timely Response

2019-07-11

Brooklyn, NY

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-07-11

Hawthorne, CA

Other features, terms, or problems

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

Problem with balance transfer
Company Response: Closed with explanation

Timely Response

2019-07-10

Clementon, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-07-09

Little Rock, AR

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: I received a call on XX/XX/XXXX but it went to my voicemail. I decided to listen to the voicemail today XX/XX/XXXX. So, I called the company back not knowing any details besides a threat was left. I wanted to know what it was regarding. The man at first hesitated in telling me any information. He then verified the last 4 of my ss # and my old address. He rattles on and tells me that he is with HSBC ( collections for credit card ). He told me that since I did not respond litigation had been pursued against me. I advised him that I never received a letter because I no longer live at that address so I dont know how this is possible. I havent lived there since XX/XX/XXXX. He began to become very rude and said,, Well, Our attorney will see you in court. We can seize your car anything else. I informed him I have not worked since XX/XX/XXXX due to me having a XXXX XXXX XXXX XXXX and XXXX XXXX. I advised him that I was trying to get social security. He didnt care, no empathy, no compassion just rude and threatening to take my car which I dont pay the note. I dont even drive it due to me staring to have XXXX. I deal with XXXX, XXXX and XXXX. I have Medical documentation of my diagnosis. I told him I dont have a job and you can not get blood from a turnip. When I was working I paid all my bills, but Im not in a position to do so. Threatening me caused my XXXX to kick in and triggered a XXXX XXXX which I see 2 XXXX for. XXXX is a trigger. I have nothing. The amount could not be any more than 600.00. Just lie they want to sue me ; I want to sue them for harassment, emotional, mental abuse and threatening me. Its a way to talk to anyone. I have XXXX so I could not drive if I wanted to which is documented in my medical records. I dont have a one to bring me to court over 600.00 when Im fighting to survive the issues Im going through. So now they expect me to jeopardize my life and others never knowing when a seizure may come on. I take med daily that knock me out for the XXXX XXXX. I have them daily ( night, middle of the night and when I wake up. The agent was just really rude and hung up in my face. He said they were a credited with the credit bureaus which is a lie. I have nothing no money on the bank ... .NOTHING. If O could steal work I would and pay this debt but I cant. I wonder if he could feel what I feel would he treat me differently? XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-07-09

Germantown, TN

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2019-07-09

Houston, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-07-08

Bremen, GA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: XXXX XXXX contacted my husband whom I was not married to at the time that I had the credit card. I have paid this debt and it is over 10 years old. I have repeatedly told them this over an over. They are threatening me to come to my job and they are verbally abusive on the phone. I have told them over and over that this was taken care of years ago and now they are harassing my husband who I've only been married to for less then a year. They repeatedly call and make accusations. I am tired of trying to be nice with rude, disrespectful, XXXX ppl who yell and cuss at me. Please stop call me I have told them if they think its mine to send it to me in the mail but to not call me anymore. Yet, they call from multiple numbers and it's the same thing over and over.
Company Response: Closed with explanation

Timely Response

2019-07-05

Great Neck, NY

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 received an HSBC credit card and set up automatic payments from my XXXX brokerage account as well as e-statements this past spring. HSBC sent me an email saying automatic payments were scheduled. When I looked online I saw that the payment was made and they have been made monthly. Sunday XX/XX/XXXX I opened a paper statement that was sent to me from HSBC that said a payment for {$84.00} was made and a charge for {$84.00} was also made. I have not used the card and found the charge alarming since it was the same amount as my payment. I also thought it was odd to get a paper statement. When I went to log online to my account, I could not access anything and was further alarmed it may have been hacked. When I called customer service on back of my card, it was closed. So I began to chat with a rep online who told me my account was past due and it had been closed and sent to collections! I never received a notice my payments were not made, HSBC never called and only email I received regarding payments was that my XX/XX/XXXXpayment was scheduled. I called a number the customer rep in the chat room gave me and entered my routing and account number for XXXX and immediately paid the {$120.00} that was due. This routing and account number are the same ones used in my electronic payments. The {$120.00} payment went through and while my account is no longer past due, it is still with collections : who have never called nor emailed me and I can not get ahold of collections. Also, my credit report which has never had a missed payment in its 20+ years history now has delinquent account and account closed on it. All happening while I need to get financing for my son 's fall college tuition, and now I can't!!! I have mailed proof of payment to HSBC from XXXX. HSBC has said there is no way to expedite this, or connect them with XXXX. They do not have a fax number nor an email I could send proof of payment. Lastly, today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from HSBC that the account is closed and in collections with a number to contact, but the number is -again- customer service and they could not help me at all because it sits with collections who no one has any means of contacting. How can they process two payments but reject two all from the same account then say it is past due, close the account and send it to collections without any attempt to contact me via phone, email, or post ; nor marking online that the account is past due? The only emails I received on my account specifically were 1 ) confirming I was signed up for email alerts and notifications, 2 ) that a XX/XX/XXXXpayment was scheduled and 3 ) my XX/XX/XXXX statement ( XX/XX/XXXXand XX/XX/XXXXwere not emailed ). Today when I called HSBC -again- they further told me that I had to call them every month on the XX/XX/XXXXto find out what I owe because I set up electronic statements and the account is now closed they can not mail me statements. Ludicrous! HSBC clearly can not process direct debit payments from one of the world 's largest financial institutions, but their system error is marring my credit!
Company Response: Closed with explanation

Timely Response

2019-07-03

Lakewood, NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-03

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-07-03

Dr Martin Luther King Jr, FL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-07-03

Houston, TX

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: In regards to CFPB CASE # XXXX. I am yet to receive the check that was mentioned in the letter either by mailed or email. I have called the number on the letter, but no one is available to respond.
Company Response: Closed with explanation

Timely Response

2019-07-03

Jamaica, NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-07-02

Eight Mile, AL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-07-02

San Antonio, TX

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Closed with explanation

Timely Response

2019-07-02

Enfield, CT

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Company Response: Closed with explanation

Timely Response

2019-07-02

Miami, FL

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2019-06-30

Auburn, NJ

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: On XX/XX/XXXX, I received information XXXX XXXX, via XXXX XXXX XXXX , XXXX is attempting to fraudulently assign mortgages XXXX, XXXX and XXXX to XXXX XXXX and XXXX XXXX XXXX, Mortgage-Backed Notes Series XXXX. This assignment was electronically recorded by XXXX to the XXXX County Clerk in New York State on XX/XX/XXXX. How is it possible to assign a mortgage from two deceased persons? XXXX XXXX XXXX, my father, died on XX/XX/XXXX. XXXX XXXX XXXX, my mother, died on XX/XX/XXXX. My father 's estate is currently being probated and remains open, and is dated XXXX XXXX ( XXXX # XXXX ). Neither XXXX XX/XX/XXXX nor XXXX XXXX XXXX , XXXX has made a sufficient claim ; even after my numerous requests as the estate 's executor. Secondly, XXXX XX/XX/XXXX and XXXX XXXX , XXXX is attempting to foreclose on property in which they do not have a security interest in. On XXXX XXXX, HSBC ( Beneficial Mortgage ) stated they sold the loan to XXXX XX/XX/XXXXXXXX Effective XX/XX/XXXX, yet has failed to provide any proof of endorsement or assignment. I am seeking a cease and desist on all assignments and formally requesting a copy of all submitted assignments any any endorsements associated with this transaction. I will be providing a copy of this request to the New York State Attorney General as well as XXXX XXXX XXXX, Surrogate Acting Supreme Court Justice.
Company Response: Closed with explanation

Timely Response

2019-06-29

Alexandria, VA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: On XX/XX/19 I applied to open an HSBC Advance Checking account in order to qualify for the bonus offer of {$350.00} for opening and funding a new account. The terms stated that you could not have been an HSBC client already and that once you open the account you had to fund {$10000.00} in new money between checking and savings and keep it there for 90 days. After applying for the checking account and getting confirmation that the application was being reviewed, I also applied for a savings account on XX/XX/19 so that when I deposited {$10000.00} it would be able to sit in the savings account earning higher interest. The savings account application was approved immediately while the checking account application was not approved for more than two weeks. I deposited {$10000.00} into savings as was outlined I could. After not receiving the {$350.00} bonus offer in the timeframe that was promised, I have contacted HSBC multiple times and have been told that I did not qualify for the bonus because I already had a relationship with them because my savings account was opened before the checking account, despite the fact that I applied for the checking account first and the only reason that the savings account was opened first is because they pushed through the savings application and delayed the checking application. They are also saying that the money had to have been deposited directly into the checking account, despite the fact that the terms and conditions of the bonus offer simply state that you must deposit {$10000.00} in new money between checking and savings accounts. Nowhere did it state that the money had to be routed first into the checking account. When I kept pressing that I was not satisfied with these answers, they have come back and said I also don't qualify because I did not use the bonus offer link ( which I did ), even though my wife used the same link I did to open an account and received the bonus. They have not offered any evidence of this and there is no way for me to disprove it. I did everything to comply with the terms of the offer in good faith and they are denying that I qualify based on technicalities that they caused.
Company Response: Closed with explanation

Timely Response

2019-06-29

TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Was not notified of investigation status or results
Complaint: Recently, upon my return in late XXXX XXXX from XXXX ( XX/XX/XXXX to XX/XX/XXXX ), I received a statement to collect monies that were 90 days or more past due from HSBC Bank. I was surprised by this, having thought that my fraud claim with HSBC via telephone and subsequent re-issue of a new HSBC card had cleared up the situation. In response, I called the HSBC Bank both the Customer Service and the Fraud Alert Department. Per HSBC, I mentioned that the bank a fraud claim had been made and they re-issued the card, of which I have never received. During the conversation with the customer service representative, it was mentioned that the e-mail address didn't match the one I provided upon calling about this problem that had been unresolved, which was now seven months old. To date, I have received no status details about the fraud claim, but did receive a letter dated XX/XX/XXXX that there was a DATA breach. The letter stated that " XXXX became aware of online accounts being accessed by unauthorized users between XX/XX/XXXX and XX/XX/XXXX ''. This was a generic letter sent to all online account holders and was not specific to my particulars. My particular fraud problem revolves around a credit balance transfer of approx. {$5000.00} plus dollars between an XXXX XXXX XXXX and HSBC Bank XXXX XXXX, per HSBC. When reviewing one of the HSBC Bank statements dated XXXX XXXX-XXXX XXXX sent by paper mail, the balance was {$5500.00}, that I opened in late XX/XX/XXXX due to my extended overseas work assignment. In response, I called the HSBC bank, both customer service and the fraud service department. The HSBC representative apprised me that my original fraud claim found me liable for the transferred amount. I stated that I did not make a transfer. At this time, they informed me that there was a transfer from an XXXX XXXX Card to the XXXX credit card. I did not recall this event, so I called XXXX XXXX to investigate the situation. The XXXX XXXX representative, who was very helpful, tracked all my history with that company. He stated I had held one XXXX XXXX cards at two separate time periods ; one card which was never activated and the other card was closed in XXXX ). I called XXXX XXXX to see if my previous cancelled cards were used in this manner. This indicated that both the cards where inactivated before the time of the transfer in XX/XX/XXXX. He told me to call HSBC and request the 16 digit card XXXX XXXX from which the transfer was made and to call back XXXX XXXX to re-verify the origin of the transfer. So I called HSBC, and requested the information. They refused to provide the XXXX XXXX account number and the new re-issued HSBC card number. This new re-issued card was never received in the mail. I have carefully sorted and reviewed all the paper mail upon my return in XXXX /XXXX of XXXX. The HSBC bank stated I had previously made a fraud claim and that is why they re- issued a new card. The fraud representative repeated asked me details about the amount transferred, which of course, I did not know since I stated I was not aware of the activity in the first place. At the time, I was only looking a the most recent statement dated XX/XX/XXXX. I knew fees and other fines must have been added but I didn't know how to back calculate the sums in quick order upon interrogation. No details would be released, not the 16 digit number of the XXXX XXXX Card or my new HSBC card that they re-issued. They stated that the only way I can get further details regarding the the issue was not go to a only single branch in Texas, over 150 miles away, adjoining state or country and show a proof of identity before any information would be released. I need to know the next step in documentation, so I can resolve this issue as my credit score is being poorly effected.
Company Response: Closed with explanation

Timely Response