HSBC NORTH AMERICA HOLDINGS INC

2016-10-20

Okc, OK

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-20

Santa Monica, CA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-20

San Carlos, CA

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: I HAVE SAVING, CHECKING, DEBIT CARD, CREDITCARD AT THE HSBC IN CALIFORNIA BRUNCH. 1-I CAN NOT USE MY ACOOUNT PROPERLY ON INTERNET BANKING WITH BIIL PAYMENT, BANK TO BANK TRANSFER, WIRE TRANSFER.DATA BASE PROGRAM INCOMPLETE, EACH TIME I REPORTED THE ON MY ACCOUNT WITH HSBC EMAIL SYSTEM .ALSO CHAT ROOM SUPPORT. HSBC STOP RECORDING CUSTOMER PROBLEMS ON EMAIL SYSTEM. 2-MY DEBIT CARD IS NOT FUNCTION ON MY ACCOUNT WITDROW MONEY AT ATM ON INTERNATIONAL BANKING XXXX XXXX.BECAUSE HSBC DOES NOT HAVE INTERNATIONAL BANKING IN XXXX. I HAVE TRAVELED HERE IN XXXX FOUR DAYS WITHOUT MONEY WITH HSBC. I CONTACTED HSBC CUSTOMER INTERNATIONAL SUPORT GROUP NY, XXXX, XXXX .I REPORTED ALL THESE PROBLEMS WITH PIN, CARDS PROBLEM AND SO MANY CHECKING TO DO WITH CUSTOMER SUPPORT .THEY ALL HIDE THE PROBLEMS OR THEY HAVE NO INFORMATION TO TELL ME AS CUSTOMER DIRECT. HSBC HAS VERY BIG PROBLEMS AND UNFAIR DEALING WITH AS CUSTOMER. ILLEGAL HOLDING MY BANK ACCOUNT AND I CAN NOT TO USE MY MONEY. I HAVE NOT BEEN TREATED FAIRLY.HSBC BANK IS VIOLATING BANKING REGULATION AND CONSUMER PROTECTIONA LAW. SINCERELY, XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-19

Manhattan, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-19

Battle Creek, MI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-19

Hon, HI

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-19

Hilltop Mall, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-19

La Jolla, CA

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: The XXXX ( founded 1988 ) is filing this public report to the CFPB as a result of the XXXX six-year campaign for the " modernization of telephone banking, '' for public record, and proof of the submission of the URGENT XXXX, " Safe Call, '' RECOMMENDATIONS : XXXX to your bank or financial institution. Over a XXXX people were killed in automobile accidents last year, with another XXXX seriously injured! The NHTSA states, " distracted driving is the number one cause of auto accidents and a deadly epidemic! '' XXXX has the cure, Eyes on the Road/Hands on the Wheel ... the science of road concentration! There are XXXX mobile phone users and over a XXXX vehicles on the road, so mobile phone use while driving is a worldwide constant urgently dictating remedial change to banking communications standard and practices. ALL BANKS AND FINANCIAL INSTITUTIONS NEED TO CONVERT THEIR PHONE SYSTEMS TO VOICE COMMAND TO ACCOMMODATE VOICE OPERATIVES FOR THOSE THAT CALL BANKS WHILE DRIVING! Once the XXXX road concentration mandate is realized by the driving public, the next step is for banks to curtail distraction temptations. Banks/credit card companies are the most called businesses in the world, and also the business with the dangerous request, " enter or read your ATM or credit card number. " This request is extremely hazardous to those on the road as it encourages people to text message, and or, read ATM or credit card information while driving! Furthermore, this telephone banking practice is rendered obsolete with the realization that ATM, and or, credit cards, are not effective for banking security as they can be lost, stolen, or even secretly copied, and there are modern and better securities protocols now available such as secret passwords, and voice biometrics. Since several banks such as XXXX XXXX, XXXX XXXX XXXX, XXXX Bank, and XXXX XXXX have acknowledged the importance of the XXXX Safe Call recommendations for voice command on their main telephone banking line by using them, XXXX now recommends that these same remedial corrections, and modern innovations, be applied by all financial institutions and their divisions, such as credit card, mortgage, brokerage, and loan departments as it is true ... Safe Call, good for one, good for all! The XXXX Safe Call recommendations improve banking security, safety, proficiency, and productivity ( customer satisfaction ) and cost little to implement. There are no legitimate arguments to oppose these urgent telecommunication advancements and improvements. Again, TELEPHONE ATM AND CARD ID REQUESTS ARE HAZARDOUS FOR DRIVING, AND INEFFECTIVE FOR ID SECURITY, AND CAUSE ACCIDENTS WORLDWIDE! XXXX MUST INSIST THAT ALL BANKS/ FINANCIAL INSTITUTIONS, CEASE AND DESIST TO USE ATM/C.C. CARDS FOR ID AS THEY ARE UNSAFE AND INSECURE! THIS DANGEROUS ATM/C.C.CARD ID PRACTICE IS NOT CURTAILED FORTHWITH, BANK SECURITY WILL CONTINUE TO BE COMPRISED, BANKS MAY BE HELD LIABLE FOR ACCIDENTS THAT ATM CARD/C.C. ID REQUESTS CAUSE! THIS CFPB COMPLAINT IS NOW PUBLIC RECORD THAT YOUR BANK/CREDIT CARD COMPANY WAS SERVED THIS ASF WARNING NOW IN THE CFPB COMPLAINT DATA BASE. Help Save Lives and Improve Banking Security! XXXX IS NOT REQUESTING PAYMENT FOR AUTO SAFETY RECOMMENDATIONS, BUT, DOES REQUEST PAYMENT FOR USE OF ANY ASF RECOMMENDATIONS THAT IMPROVE PROFICIENCY, SECURITY, AND OR, PRODUCTIVITY. ASF REQUIRES ALL BANKS, or COMPANIES, THAT UTILIZE ANY OF THE ASF " Safe Call '' RECOMMENDATIONS PAY XXXX FAIR MARKET RESEARCH COMPENSATION FOR THIS USE. If this proposal is agreed to, no response to the CFPB is necessary. Please send contract and payment to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. Thank you.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-10-19

Scottsdale, AZ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Please refer to Case number : XXXX. On XXXX XXXX 2016 I submitted the application to open the account and also deposited {$1500.00}. It took too much time to get this account open and getting the online access. Now I am seeing that almost after more than 5-6 weeks - they ( hsbc ) are reflecting as if they received the money just on XXXX/XXXX/2016. So where this money was for more than 5 weeks? Why HSBC should not pay interest to me as it 's all the delays from their side? either they should give interest rates from the day they got it or be efficient in terms of opening the account. Another problem is that all their process is very cumbersome and complex - not even folks like me whoa are just XXXX yrs old and in XXXX can follow it - others wo n't be able to do anything also ... .moreover customer service of HSBC is terrible ... yesterday i called ... it seems the call went to XXXX with so much back ground noise ... i said please keep the phone on mute ... i was told please bear with us ... we ca n't help ... that 's the overall standards.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-19

Northside, NC

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I have been long time client of HSBC Premier Banking in the US. Apparantly, starting in XXXX of 2016 HSBC started charging me {$50.00} a month for a checking account. I received no notice from HSBC about this change, either USPS or email. They only contacted me once they put the account into an overdrawn status.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-19

Warren, RI

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XXXX/XXXX/2016, I applied online for a checking account with HSBC and to date, as of XXXX/XXXX/2016 I have never received any confirmation of my account. An attempt to contact them via telephone proved futile as well. At the time of account opening I authorized a deduction from another personal checking account in order to open the account so these funds are now tied up. I passed all of their security questions and their web page indicated that I would receive a final " review '' within 72 hours, ( see below ). I believe that due to the fact that I listed income received from Social Security that they are delaying opening my account and hoping I forget about it especially given the fact that they offered an incentive to open the account and apparently are screening applicants by questioning if they will receive Social Security payments in their accounts as the question was posed multiple times. " Please note that online applications may take up to 72 hours to be reviewed. To ensure an optimal experience, please complete the application in full with accurate information. ''
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Katonah, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Manhattan, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Carson, MS

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Lynnewood Gardens, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Chula Vista, CA

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: I wired {$3000.00} to a brokerage firm 's business account with HSBC. Three weeks passed with multiple inquiries from my bank, HSBC refused to release the funds to the brokerage firm or respond to any inquiries on behalf of my bank or myself or the brokerage firm. On the 4th week, I submitted a request to reverse the wire transaction and retrieve the funds. After 10 days and multiple inquiries from bank, HSBC still did n't respond to any attempts to resolve the issue. Finally, I contacted the FBI field office to inquire about submitting a criminal complaint against HSBC, the FBI asked me to attempt to use a civil action and attempt to contact HSBC in the hopes of the resolving the matter at the lowest possible level. After explaining my attempt to contact law enforcement and the possibility of submitting a criminal complaint, HSBC wire department finally acknowledged the wire transaction and explained the the funds were within the compliance department. HSBC refused to provide any explanation regarding the reason why the funds were being withheld. I asked HSBC to respond to the request by my bank to reverse the wire. I am currently waiting on HSBC to reverse the wire.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Elmhurst, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-10-18

Coral Gables, FL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-17

South Florida, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-17

Castle Point, NJ

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-17

Far Rockaway, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-17

Great Neck, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-17

Nitta Yuma, MS

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-17

Darnestown, MD

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-17

Bedford Heights, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response