HSBC NORTH AMERICA HOLDINGS INC

Consumer Complaints

There are over 9237 complaints on file for HSBC NORTH AMERICA HOLDINGS INC. Dated between 2019-12-16 and 2011-12-01.

Complaints Page 11

2019-08-12

Greece, NY

Trouble during payment process

Mortgage: Other type of mortgage


Company Response: Closed with explanation

Timely Response

2019-08-12

Bridgeport, CT

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: My credit card was compromised on XX/XX/2019 when I was travelling to XXXX. On that day, there were three fraudulent charges on my card. First, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the amount of {$920.00}, yet this charge didn't get through as I received the alert email from the bank. Second, I got two charges from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX with the amounts of {$860.00} and {$43.00}. I call HSBC to reserve these two unauthorized charges but my claim was denied.
Company Response: Closed with explanation

Timely Response

2019-08-12

Washington, DC

Money was not available when promised

Money transfer, virtual currency, or money service: Domestic (US) money transfer


Company Response: Closed with explanation

Timely Response

2019-08-12

Cypress, CA

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-08-12

Bethesda, MD

Money was not available when promised

Money transfer, virtual currency, or money service: Domestic (US) money transfer


Company Response: Closed with explanation

Timely Response

2019-08-11

Tarzana, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-08-10

CA

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Complaint: Spam junk mail - I have opted out
Company Response: Closed with explanation

Timely Response

2019-08-10

Lewiston, NY

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit


Complaint: HSBC decided that all customers would be forced into taking electronic statements. There was no warning period. They just stopped. I received no emails that a bill was due. Nor did I opt in for electronic billing. My account went into non payment and late fees began occurring. Then they tell me they refuse to remove the fees. They tell me that its all my fault. I request to place the account in dispute, over late fees. They put the account in fraud mode and immediately closed it. I have contacted them multiple times and continue to be ignored. I have not received a bill in several months and do not agree with the charges, but Hsbc is doing nothing to remedy the problem. How is this legal?
Company Response: Closed with explanation

Timely Response

2019-08-09

Columbus, OH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Received a voice mail from XXXX on XX/XX/19 stating I had pending debt in their office and it was best interest for me or my attorney to contact them at XXXX. Called on XX/XX/19 and I spoke with XXXX XXXX I emailed her proof I no longer owe this debt and it was paid and she is still calling stating I do. Also, having this robo call as stated above calling my kids, husband, in-laws.
Company Response: Closed with explanation

Timely Response

2019-08-09

Auburn, NJ

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: Please allow me to respond to XXXX XXXX XXXX, XXXX ( XXXX ) XX/XX/XXXX response to CFPB ( XXXX ) and Beneficials ( HSBC ) XX/XX/XXXX response to CFPB ( XXXX ), as well as XXXX XX/XX/XXXX response to XXXX XXXX of the New York State Department of Financial Services . As the following will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC and XXXX continued and past unscrupulous actions. First, XXXX states, XXXX currently has the authority to process Assignment of Mortgage ( AOM ). XXXX is confident our processing of any AOMs is valid and compliant, and we find no merit to the claim of fraudulent AOMs. I disagree. Since XXXX failed to provide me a copy of the AOM, I obtained a copy myself. It lists XXXX as the assignor as Attorney In Fact for Beneficial Homeowner Service XXXX, yet no written power of attorney from Beneficial to XXXX is attached to the AOM. Does one exist? Has HSBC given XXXX Power of Attorney? The AOM was prepared and submitted by XXXX XXXX XXXX, not XXXX. XXXX XXXX XXXX is located in XXXX XXXX, MO and XXXX is located in XXXX XXXX XXXX, UT. How does that Notary process work? Did the Notary in UT fly to MO to notarize the document prior to XXXX XXXX XXXX submitting via simplifile? The Assignee is listed as Beneficial Homeowner Service Corporation, as indenture trustee, for the holders of the XXXX XXXX XXXX, yet the allonge to the note provided in XXXX response is XXXX XXXX XXXX XXXX. What about XXXX Validation of Debt Notice correspondence dated XX/XX/XXXX, stating XXXX was collecting debt on behalf of XXXX XXXX XXXX, the investor who currently owns your mortgage loan. Additionally, HSBC states they sold the loan to XXXX XXXX XXXX on numerous occasions, yet no documentation has been provided substantiating these transactions. The AOM states, For value received, the Assignor does hereby grant, sell, assign, transfer and convey, unto the above-named Assignee all interest under that certain Mortgage Dated XX/XX/XXXX, in the amount of {$32000.00}, executed by XXXX XXXX XXXX AND XXXX XXXX XXXX, Husband AND Wife to Beneficial Homeowner Service Corporation and Recorded XX/XX/XXXX, instrument # XXXX in XXXX XXXX, State of New York. It also contains the property address as XXXX XXXX, XXXX, NY XXXX and absolutely no legal description of the alleged security interest. My review of said recorded mortgage indicates the mortgage has an address of XXXX XXXX XXXX, XXXX NY XXXX in the amount of {$32000.00}, which are both inconsistent with the AOM XXXX allegedly legally recorded. It is my opinion, XXXX did not record the legal description because, as they have been informed, they know it neither matches the note or the mortgage making it void. However, in true XXXX fashion, they continue to misrepresent the facts in order to deceive and/or manipulate all interested parties to their benefit. They continue their Ponzi scheme in order to defraud the American public. Both the AOM and Allonge to the note is signed by XXXX XXXX, Document Control Officer. I am uncertain if this is a real individual or not. Secondly, XXXX states, Please be advised XXXX has requested all recorded assignments, and they will be sent under a separate cover. Ive never received, nor do I believe they even exist. Thirdly, XXXX states in its correspondence to the New York State Department of Financial Services, In the inquiry, Mr. XXXX requested an update on the foreclosure process on the account. Due to the status of the account, we will not be pursuing foreclosure. What is the status of the account then? Why does XXXX continue to send mortgage statements? Why has XXXX not filed a valid probate claim against the estate of XXXX XXXX XXXX? I surmise it is because there is no valid account, valid mortgage, or valid note. Additionally, this seems to be contrary to previous documentation I have received including a XX/XX/XXXX Mortgage Statement that states, XXXX has referred your account to an attorney for legal action. Fourthly, XXXX states in its response to the New York State Department of Financial Services regarding property inspections, There may be occasions when more than one inspection is required, such as when an account is delinquent with limited customer contact. Its remarkably ironic, XXXX stopped inspections, forced placed insurance and sent notice of closure of an escrow account shortly after my complaint being filed. However, this does not negate the past fraudulent inspections, BPOs, forced placed insurance and misc. fees erroneously charged to the alleged account during the time preceding this complaint for a property they have no security interest or standing to enforce. Lastly, it is evident both HSBC and XXXX continue conspire to defraud and prey on unaware private citizens as well as state and local governments/officials and continue to go unchecked or held accountable. My attachments provide my evidentiary documentation, and as the Fiduciary for the Estate of XXXX XXXX XXXX, I continue to dispute and reject any claims from HSBC or XXXX and affiliates. PS : CFPB website would not accept attachments, therefore, they have been sent to interested parties under separate cover.
Company Response: Closed with explanation

Timely Response

2019-08-09

Camp Springs, MD

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-08-09

Chicago, IL

Fraud or scam

Money transfer, virtual currency, or money service: International money transfer


Complaint: My online checking account at HSBC USA was fraudulently accessed ( hacked ). After getting access to my US account, the hacker was able to access my linked accounts in XXXX where I was living at the time. They transferred approximately {$30000.00} to the US accounts, and then attempted a transfer to another account. I notified HSBC USA of the fraud, and they were able to reverse the US transfer. However, I was charged about {$500.00} USD in currency exchange fees, which HSBC refused to reverse -- in fact, they didn't seem to even understand foreign exchange. In effect, HSBC USA profited from this criminal activity. It also took several weeks just to get my funds released, leaving me in XXXX with no money available. While I pursued the matter with every HSBC representative I could I reached a dead end and gave up.
Company Response: Closed with monetary relief

Timely Response

2019-08-08

Nyc, NY

Opening an account

Checking or savings account: Savings account

Unable to open an account
Complaint: HSBC Bait and Switch Operations This spring I received in the mail a solicitation from HSBC Bank to open an account online called an Advance Checking account. I called the information number on the solicitation to ask some questions I had. At that time I was also encouraged to open a Direct Savings account online that paid 2.3 % interest using the bulk of the money I initially put into Advance Checking. I went online in XX/XX/XXXX using the code number for a bonus that came with the mail solicitation. After providing all the requested information on the designated HSBC website, it rejected the application. An auto-generated email to me said my identity couldn't be verified. I had provided my valid New York State Driver 's License information and my own phone number, address, SSN, etc. I called their phone numbers for help, and after much time on the phone I was advised to try again. They could not tell me what exactly the problem was. I was also advised over the phone that after opening the account, I could open the online Direct Savings account paying 2.3 % interest and transfer most of the money to that account. After another failed attempt to open the account online, with the same result, I called back and was advised to go to a branch to open the account. This I did. I went to the branch at XXXX XXXX XXXX ( XXXX XXXX, NY XXXX ) and presented the coupon that came in the mail, which the bank officer took. At the branch, I was advised by the bank officer that they had a 5-month 2.3 % CD I could shift most of the money into once I funded the Advance Checking account. This was at the end of XX/XX/XXXX. A few days later I sent {$10000.00} to my new HSBC account ( # XXXX ) by ACH transfer from another bank. I then went back online to open the 2.3 % online savings account. After completing the application, it was refused. Once again, the emailed reason was could not verify identity- even though I now had an account at HSBC . I called their " help '' number, was given another number to call, and after taking my information and supposedly doing something to fix the issue, this person said to try again in 24 hours. I did that, and once again was refused- " unable to verify identity. '' I emailed the branch officer who opened the Advance Checking account and asked if she could do a transfer into the CD we'd discussed. She did not reply. Instead another officer responded, I presume the branch manager, and said it had to be new funds, which of course was NOT what the first officer had said. Then I asked if they could open the 2.3 % savings account, and was told No, that's online only. As the bank had my verified identity in its possession after I had opened the Advance Checking account, it was invalid to refuse to allow me to open the Direct Savings account on grounds of non-verification of identity. I am entitled to interest from the date I attempted to open the account in XX/XX/XXXX. As of now, this is the response from HSBC : I raised two issues in my complaint against HSBC Bank. One issue was completely ignored by HSBC bank in its response, and remains unaddressed, and the other issue was responded to with false information and misdirection. There was no explanation or even a reference to why HSBC blocked me from opening the online Direct Savings account with the automated claim " could not verify identity '' even AFTER I ALREADY HAD AN ACCOUNT with the bank! Their " customer service '' dept. just said try again in 24 hours, after supposedly making a fix. Same thing happened. This account was offered as a teaser over the phone to induce me to open the checking account. To avoid fees I have to lock up {$10000.00} for 6 months. As to the matter of the CD offered at the branch, I did NOT request it on XX/XX/XXXX, but on XX/XX/XXXX, as my dated email proves. And this business of missing an imaginary deadline of XX/XX/XXXX by a day for the money I had on deposit to be considered " new '' is spurious. No officer at the branch said anything about a deadline. And the only mention of " new '' money came later from the branch manager, who emailed that " new '' money was required for a CD. Again, nothing about missing an imaginary " deadline. '' I did some online research on HSBC and was shocked to discover a history of major criminality, as described in the following government announcements and news accounts : " HSBC Holdings Plc. and HSBC Bank USA N.A. Admit to Anti-Money Laundering and Sanctions Violations, Forfeit {$1.00} XXXX in Deferred Prosecution Agreement '' https : //www.justice.govXX/XX/XXXX" HSBC Bank Executives Face Charges in {$3.00} XXXX Currency Case '' - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " Investigation into Bank Uncovers Criminal Activity Dating Back to the XX/XX/XXXXs- Bank Violated U.S. Sanctions by Moving Hundreds of Millions of Dollars through the U.S. for XXXX, XXXX , XXXX , XXXX , and Other Sanctioned Clients- District Attorney XXXX Announces {$370.00} XXXX Settlement with HSBC Bank-XX/XX/XXXX . XXXX : XXXX HSBC Money-Laundering Case Yields {$110.00} XXXX Bounty for XXXX XXXX XXXX Updated XX/XX/XXXXhttp : XXXX Major criminal activity " dating back to the XX/XX/XXXXs! '' It would seem that this institution hasn't learned its lesson and needs to be kept under strict supervision.
Company Response: Closed with explanation

Timely Response

2019-08-08

Bohemia, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I had Fraud on my HSBC checking account. Several unauthorized ATM transactions were made on my account using my PIN. Now, prior to that, I had received several phone calls from people claiming to have been HSBC. I'm a XXXX veteran receiving XXXX compensation from VA. Literally the day, my VA XXXX check which was being direct deposited into HSBC, hit, just under {$600.00} of unauthorized ATM transactions hit my account. When I brought it to the banks attention, they stated that the transactions, however fraudulent, still put me over the daily ATM withdrawal limit for my relationship w them. I temporarily did not have access to my money, as it was past normal business hours for me to be able to go to a teller. I was ultimately able to go to the tellers the next day and use my other bank accounts/ credit card for transactions. But I feel like my accounts were spied on by the fraudster, as they knew exactly when my money hit this account, as well as I was told by the bank I was unable to access my money, fraud or not. I think HSBC, has an inability to safeguard their " Premier '' account holders information and do not recommend banking with them in the United States.
Company Response: Closed with explanation

Timely Response

2019-08-08

Santa Rosa, CA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-08-08

Chicago, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage


Company Response: Closed with explanation

Timely Response

2019-08-08

Federal Way, WA

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: Created an account via online systems ( dates not important, but occurred ~end of XX/XX/XXXX). Provided all information, identifying numbers ( dl #, etc ), and account was successfully opened. Since then, their fraud department has been contacting me via unsecured methods to request a copy of my Id - what seemed to be an obvious phishing attempt was actually their fraud department. They also claim to be unable to send the request via their online banking secure messaging. I've confirmed that these are actually valid requests through separate channels ( website chat, main banking contact numbers ), and not a phishing attempt.
Company Response: Closed with explanation

Timely Response

2019-08-08

Trouble during payment process

Mortgage: Conventional home mortgage


Company Response: Closed with explanation

Timely Response

2019-08-07

Manhattan, NY

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

2019-08-07

Carson, MS

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: Received original call from XXXX, left a recorded voice mail. I returned call and Spoke with a Mrs. XXXX stating she was from XXXX XXXX XXXX, XXXX and that I owed a debt from XX/XX/XXXX in the amount of {$940.00} and that I had stopped making payments in XX/XX/XXXX sometime. She asked for personal identification information and then asked if I recalled why I stopped making payments in XX/XX/XXXXand I stated that I did not because that was 7 years ago. She then begin to yell, demand and threaten that since I did not recall any of this they would go ahead and turn it over to the court systems and that I should receive a notification of my court date. I had to yell over her to explain that I she needed to provide me with some written proof of this debt and that I would verify it and then get in touch with her or the company to make arrangements. After a few minutes of yelling back and forth, she calmed down and said that she would have to make a request for someone to send me a copy of the letter that was sent to my address ( which I lived at 10-12 years ago ) and demanding that I call her and only her back that same day as soon as I received the letter in the email. Once I received the letter, It had a different phone number than she called me from and than what she gave me to call her back on. The website address is also not valid, because the entire web page is in XXXX. The address provided on the letter head is also the address of a XXXX Store in XXXX Georgia, but she originally called me from a Mississippi local number. I have not returned her call or made any payment arrangements as I am afraid this is a scam.
Company Response: Closed with explanation

Timely Response

2019-08-05

AZ

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: I received a call form XXXX XXXX regarding a HSBC credit card they allege I had. This is the second company, also based in GA, claiming I had an HSBC card that I defaulted on. The initial call came from a company called XXXX XXXX XXXX. I have never recieved any letters or notices from them. I was called by this company ( XXXX XXXX XXXX ) on XX/XX/XXXX at my place of employment, they left a rbo-call message with my name requesting a call back. I called them back and when I asked for their contact information, the representative hung up the phone. I called back several times and was hung up on. Later in the same day, I called a spoke to another woman who stated that I could pay them now or I could talk to the judge about it. She claimed that I owed {$770.00} and my last payment I made was in XXXX. I do not now, nor have I had in at least 15 yeas, an HSBC credit card. Literally. In AZ, the statute of limitation on credit card debt is 6 years. She emailed a letter to me, it has no information other than what I have stated. The letter claimed to be from " XXXX XXXX XXXX XXXX '' misspelled XXXX. Anyway, today I get a call from a place called XXXX XXXX, also based out of GA. She said that I now owe {$2700.00} and that I could pay or go to court. I asked when my last payment was made, she says XXXX. These people are scammers. I am ill, I have major XXXX XXXXr, XXXX and other mental XXXX that is probably killing me. These people are harrassing me and it needs to stop.
Company Response: Closed with explanation

Timely Response

2019-08-04

Bellevue, WA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage


Company Response: Closed with explanation

Timely Response

2019-08-03

NJ

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: HSBC : Account manipulation. They're running a promotion for {$750.00} " Welcome Deposit ''. To receive it the customer must make " Direct Deposits totaling at least {$5000.00} into your checking account for 3 consecutive calendar months from the second full calendar month after account opening. '' I applied to open the account on XX/XX/2019. They sat on their hands contriving excuses to delay the opening for two weeks until it was XX/XX/2019 so I wouldn't be eligible to start fufiling the requirements until XX/XX/2019. In the interim, I would've had to have kept a minimum {$75000.00} balance at all times to dodge the $ XXXX/mo maintenance fee. Completely deceptive, manipulative ripoff.
Company Response: Closed with explanation

Timely Response

2019-08-03

Sandy Hook, CT

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-02

Knoxville, TN

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not received from closed account
Company Response: Closed with explanation

Timely Response


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