HSBC NORTH AMERICA HOLDINGS INC

2019-08-02

Halyoke, MA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment. 2 ) That all correspondence take place in written form only. 3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period. 4 ) Your office will mail all correspondence to my home address or my email at XXXX. Thank you for your consideration in this matter. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-08-02

East Rockaway, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On the evening of XX/XX/2019 my credit and debit cards were stolen from my wallet out of the locked locker at my local gym. I realized this on my way home when I began receiving fraud alerts on my phone from the various card companies. I answered each fraud alert and cancelled the cards one by one. The thief managed to charge almost {$5000.00} worth of merchandise on one card, which the card company ( XXXX ) quickly rectified. My XXXX credit card, XXXX XXXX XXXX debit card and HSBC debit card were all used or attempted to be used. XXXX and XXXX XXXX XXXX quickly wiped out any fraudulent charges. I made a police report at the XXXX XXXX in XXXX County on the morning of XX/XX/XXXX. HSBC, despite sending me fraud alerts that something was amiss, cleared one charge, but not another transacted at the very same time for {$510.00}. I filed their Fraud Claim Report with them by mail as requested. They claimed they did not receive it. I then faxed it to the number given to me by one of the representatives in their Security & Fraud Risk Department, along with the evidence I will attach here. Repeated calls to the Fraud Department have been met with the same questions regarding the incident and promises to address the charge within 48 hours. I have also included an online chat with a representative who promises the funds would be duly credited. The risk officer assigned to my case is named XXXX XXXX at XXXX. Apparently it was this person who claimed the charge was authorized when it clearly was not. I have repeatedly requested a call back from Mr. XXXX. I have yet to receive one a month after the incident, and my account is still debited.
Company Response: Closed with explanation

Timely Response

2019-08-02

Omaha, NE

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Complaint: I opened a checking account with HSBC, I was told by phone the account needed to remain open for 120 to avoid early closure fees. I complied and then after the 120 days I called again to close the account. Conversation went well I was told the account was closed and I would be receiving confirmation in the mail. Never received anything and the account remained open. I did not want to acquire monthly maintenance fees which is why I was closing the account. Contacted the bank again and now they state the closure never processed and I would be charged a {$25.00} early closure fee. I stated that per my previous two conversation with their representatives it was 120 days and the account should already be closed. Bank will not close my account without the fee and now I will be getting a monthly maintenance fee on top of all of this due to the account remaining open without my knowledge.
Company Response: Closed with explanation

Timely Response

2019-08-01

Alhambra, CA

Getting a credit card

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

Delay in processing application
Company Response: Closed with explanation

Timely Response

2019-08-01

North Kortright, NY

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-08-01

Jamaica, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-01

Baychester, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-08-01

San Gabriel, CA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: I opened a checking account with HSBC based on the promotion offer I received. hsbc.com/XXXX The promotion is {$370.00} bonus if 1. ) I open the account by XX/XX/2019, 2. ) Keep {$10000.00} for 30 calendar days, and 3. ) maintain the balance for 90 calendar days. I even received a confirmation from HSBC online rep that I should receive the bonus. Attached in this complaint. I deposited {$10000.00} on XX/XX/XXXX, and maintained it for beyond 90 days. I did not receive my bonus. Since I fulfilled all requirements, i called HSBC and asked about why I have not received my bonus, they told me ( according to their " investigation team '' ) that because I had an account with them for the past three years, therefore, I am not eligible for the bonus. I did not have an account with HSBC for the past three years. I asked the representative on the phone to provide me documentation to prove I had an account with HSBC, they gave me the run around and said I need to request it online. I am filing this complaint because HSBC is deceptive in this marketing practice.
Company Response: Closed with explanation

Timely Response

2019-08-01

Simpsonville, SC

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-08-01

San Francisco, CA

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-07-31

Brooklyn, NY

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-07-31

CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: I receive several calls every day from XXXX XXXX XXXX. Calls have been coming in for several weeks without any information left in the automated voicemail message they leave. Today I spoke with a representative twice within a 30 minute period, and I believe they have violated several sections of the Fair Credit Reporting Act. This company is operating with suspended registration from the XXXX. The company called me trying to collect a debt that I defaulted on more than four years ago ( 2011 ) and therefore is past the Statute of Limitations for consumer debt collection in California - I have not done anything to trigger the restart of the Statute clock. The company could not provide me proof that they were authorized to represent the credit card company and they tried to get me to make a large payment immediately threatening that if I did not pay this would be handled publicly. When I told them I can not be called during business hours they claimed they were noting a refusal to pay. They would not note that I should not be called during business hours, and they threatened to damage my credit if I did not pay today. I have no ownership interest in this company. I have not consulted other federal departments or an attorney. There is no lawsuit or court action pending. The address information is from the former filings with the CA XXXX. I have filed a complaint with the CA Attorney General. I would like the company to be held accountable to the fullest extent of the law for operating a business in CA without registration and non-compliance with THE fair Credit Reporting Act ( in addition to Section 1788.14 of the CA Civil Code. Contacts : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Ext XXXX
Company Response: Closed with explanation

Timely Response

2019-07-31

Darbydale, OH

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-07-31

Queen Anne, WA

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-07-30

North Bergen, NJ

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: {$1800.00} was charged to my debit card and approved by HSBC through 3 transactions between XX/XX/2019 and XX/XX/2019. Other fraud was found between that time but declined and card was never blocked and I was not notified.
Company Response: Closed with explanation

Timely Response

2019-07-30

Hamden, 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

2019-07-30

Grandville, MI

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I had a total of 37 transaction dating back to XX/XX/2019 to XX/XX/2019 where I filed a dispute with HSBC because I never received the items I purchased. On XX/XX/XXXX of this year, I filed a dispute on all these transactions following the protocol HSBC advised me of. I was told the merchant has 45 days to respond to my dispute and if they haven't, I would be refunded my money. As of today 's date, which is the 50th day, I have not received my funds nor had the bank communicate to me as to why I haven't received it even though they have not responded.
Company Response: Closed with explanation

Timely Response

2019-07-29

Newport News, VA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2019-07-29

Interchange Square, FL

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-07-29

Primm Springs, TN

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-07-29

TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: I am victim of Identity Theft. Someone tried to open many credit card accounts with various banks. All accounts are closed and removed from my credit report except HSBC BANK. I had filed FTC complaint Report # XXXX providing details of HSBC bank along with account details. I had sent dispute letter to HSBC bank dated XX/XX/2018 stating I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). HSBC bank has not taken action to remove disputed credit card details from my credit report. Details of the account are as follows : Account Name HSBC BANK Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/2018 Credit Limit {$2700.00} Kindly ensure HSBC Bank gets all the details pertaining to my account removed from my credit reports.
Company Response: Closed with explanation

Timely Response

2019-07-29

New Milford, CT

Problem with fraud alerts or security freezes

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

Company Response: Closed with explanation

Timely Response

2019-07-28

Everett, WA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: XX/XX/XXXX XXXX mailed me a notice regarding an old debt I received it on XXXX stating I owed XXXX and last payment received was XXXX.After several calls from me to the junk debt buyer explaining this was originally a predatory loan that is expired beyond the statute of limitations according to XXXX XXXX on collecting a debt, also filing a complaint with XXXX. I wrote and sent via certified mail with signature from the debt buyers admin. a cease and desist letter on XXXX the debt collector answered my complaint with XXXX and agreed to cease and desist. Albeit this debt collector has continued to harass me with letters over and over ever since they agreed to cease and desist. I'm very very upset this debt collector is continuing with the harassment against me. The debt collector mailed notices on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX demanding I pay or face judgement. I'm unable to load images on this laptop but assure you I have the paper trail to back up my statement.
Company Response: Closed with explanation

Timely Response

2019-07-28

Tampa, FL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Had a previous complaint # XXXX concerning HSBC Bank whereas they were to have paid me a {$200.00} bonus due to a promotion. Received an email from the VP of Customer XXXX, XXXX XXXX confirming that they were to pay the bonus no longer than 30 days after XX/XX/XXXX. As of XX/XX/19 they have not conformed with the terms of our original complaint, which included this payment. Tried to contact them via phone and email per their instructions and they refuse to answer the calls and have not responded to my email. The terms of the original complaint are recorded under case # XXXX, thus making this a 2nd request and their 2nd attempt at chicanery.
Company Response: Closed with explanation

Timely Response

2019-07-28

Mc Kinney, TX

Opening an account

Checking or savings account: Checking account

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

Timely Response