HSBC NORTH AMERICA HOLDINGS INC.

2017-03-14

Coffeetown, PA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Chino Hills, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-13

Manhattan, NY

Rewards

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-13

Rockville, MD

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-13

Havana, FL

Communication tactics

Debt collection: Auto

Threatened to take legal action
Complaint: My father was called by a debt collection company and told that I had three counts of fraud against me and that I needed to contact their company immediately. They also told my father that they would " come out and arrest him at his job if they had to because he was responsible for the debt also. '' I called XXXX with the debt collection company back and they also told me that I had three counts of fraud against me and that I was going to be served with a lawsuit and detained by a process server under the authority of the U.S. Marshall 's Office. The company told me it was for an old auto loan that I had back in XX/XX/2006. They told me they would not come out and " detain '' me if I gave them payment over the phone right then or if I set up some sort of payoff with them. They told me I would be served at my job and that I was going to get fired because I was served papers at my job. Unfortunately, I did not get the name of the company and they would not give it to me. They just said that they were a debt collection company hired by a company that was suing me. I was however given a name of XXXX with the phone number XXXX and the name of the process server was XXXX and she called me from two different numbers, one from New Jersey and one from Fort Myers : XXXX and XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-13

Monterey, IN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have a current mortgage thru Beneficial Financial/HSBC. I have been trying to refinance it thru a local bank to get a lower APR. I have been going thru this process since XX/XX/2017. My local bank has been trying to get information from Beneficial about my mortgage and not getting anywhere. They asked me to contact them, hoping that me, the customer, would have a better chance. So on XX/XX/2017 I contacted Beneficial Financial/HSBC due to the current bank I am trying to refinance with being unable to get Beneficial to respond. Upon talking to a Beneficial customer service representative over the phone, I learned that they had received the request from my bank for the Mortgage Verification, but they would not process it for 30 days. While having them on the phone, I requested a copy of it be sent to my home address as well. The rep. let me know they would do that. Today, XX/XX/2017, my bank informed me that they contacted Beneficial to find out why they have not received the Mortgage verification. They were told it was rejected due to it being electronic submission and that they would have to mail a copy to them to be processed. It would take an additional XXXX. At this rate of response, it will be the middle to end of XX/XX/XXXX before I am able to have my refinance completed. My complaint is simple, how are consumers able to deal with this if they are in a financial situation and a financial institution is not responding, or responding slowly. In todays age of electronic means, this should be a simple request. This is putting unjust restraint on information that most financial institutions require from each other and could be causing further hardships on consumers. In my case, I am trying to refinance to lower my payments to avoid financial difficulty. I have also read over XXXX reviews from the Consumer Affairs website stating similar experiences and even Beneficial not signing off on the lein after payoff. This has me worried that I am heading down the same path as so many others have.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-11

Flushing, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-11

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I was working with my bank to get a loan modification. The reason was because my husband lost his job and became XXXX. I kept on giving them all the information and they kept on closing the application. I gave them all the paperwork needed and it took 6 years to get my payment to where I would be able to afford the payment. They also put on my credit report I was in forcloseure but not true. Now that will be a big problem to correct. Because of this my mortgage was increase by $ XXXX more.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-11

Clayton, MO

Account opening, closing, or management

Bank account or service: Checking account

Complaint: HSBC refuses to confirm the date my account was opened. Per their terms, there is no early closure fee to close the account after 180 days. I opened my account ( opening deposit processed ) on XX/XX/XXXX. I should be able to close the account on XX/XX/XXXX with no fee, yet I am being told I can not close it without a fee until XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-11

Boston, MA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: HSBC had a promotion where they would pay out {$350.00} to new checking account customers who made bill payments in 3 consecutive months to two different billers. Due to an error on HSBC 's part, my XXXX payment was not processed and I was advised that I could make a payment in XXXX and still qualify. After calling in XXXX, the CSR confirmed that I had met the requirements and I was told to wait 6-8 weeks from the qualifying transaction ( on XXXX XXXX ) for the bonus to post. The bonus still has not posted, and the customer service representative said they were still " working on it. ''
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-10

Airmont, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-10

Colma, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-10

MA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a checking account with HSBC bank in XX/XX/2016, and signed up with a promotional offer for a {$350.00} bonus upon meeting billpay criteria. I completed the requirements in early XXXX. The terms said that it may take 4-8 weeks after completion to receive the credit. I waited 8 weeks and contacted HSBC customer support. They keep saying to wait, or that they are investigating. I have now contacted them 5 times, over the course of 5 weeks, with no resolution in sight.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-10

Brooklyn, NY

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: XXXX is trying to collect on a debt that has reached the Statute of Limitations. In the letter that was mailed to me, the date of debt was purposefully obfuscated. I called absolute Solutions and I was told that the statue of limitations on the debt had expired. XXXX XXXX was rude and disrespectful when I called to resolve the debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-10

Queens, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a bank account with HSBC in XX/XX/XXXX and was told that I would get a promotion bonus as long as I did 2 bill pay over each billing period for the next three cycles. My month statements ends on the XXXX of each month. I did 2 bill pay on XX/XX/XXXX, 2 on XX/XX/XXXX and 2 on XX/XX/XXXX. When i messaged to ask about the bonus not posting, i was lied that the bonus was for bill pay over three different months, not three billing statements, which is clearly a lie, as I was told in person by the banker it would have been over the billing statements. I met the requirements as the bill pay i did fell in three different billing cycles, but HSBC refuses to pay the bonus. They should be ashamed by lying to people for fake bonuses, and then changing the requirements.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Charleston, SC

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Houston, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Charleston, SC

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Royal Palm Beach, FL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Cochranton, PA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-08

Bowens Corners, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Mineola, NY

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Stevenson, MD

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Got a collection from XXXX in the sum of {$2300.00} for a credit card issued by Household Bank, when I call the agency I was told it was for a credit card I opened in 2003 however never owned a credit card from this bank, I was told I also have a judgment against me and I was threatened with court action this is the first time I am even hearing about this debt after 14 years.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

Seattle, WA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I had signed up with an account at HSBC, which promised a {$350.00} promotional credit upon completing some easy requirements. The terms of this promotion are available online at : XXXX. I had asked if the bill pay requirement would be every calendar month or every statement cycle, and was told that it is based on statement cycle. I opened the account on XX/XX/2016 and completed XXXX bill pay transactions on three continuous statement cycles, however I did not receive any bonus. When I ask customer service about it, I keep getting the same canned response telling me the terms of the promotion.
Company Response: Closed with explanation

Disputed: No Timely Response